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Of course, the problems are not damning; they're problems that reflect the progress yet needed to be made in insurance.
当然,这些问题并不是非常糟糕的,这些问题反映了,保险行业中还有待改进之处
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and we help businesses that are doing business in other countries get insurance in those countries, so.
我们帮助在外国经营的公司在那些国家得到保险，就这样。
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Well, in insurance there's a similar list of inventions.
在保险学的发展中也有一系列类似的突破
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When they invented fire insurance, in the 1600s, there was a lot of skepticism because anyone can burn down their house.
十七世纪时，人们发明了火险，当时存在很多质疑,因为任何人都可以烧毁他们的房子。
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We had deposit insurance starting in The Great Depression and that's been very important; it's now in every country.
存款保险始于大萧条时期,一直发挥着重要作用,现在遍布各个国家
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Notably, we saw Hurricane Katrina that caused huge property damage in--a couple of years ago-- that, kind of, tested insurance companies again.
尤其是卡特里娜飓风,在几年前它导致了巨大的财产损失,这又是一个对保险公司的考验
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Moreover, beyond that, how does one know, in taking out an insurance policy, that the insurance company is going to be sound?
除此之外，在人们购买保险时，该如何得知保险公司，会严格按照保单言而守信呢？
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So they--in other words, the insurance company--doesn't trust the insurance companies to do the calculations like I showed with the binomial theorem.
因此他们...也就是说,他们不放心让保险公司按照二项式定理,自己计算准备金要求
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Insurance now, in the United States, is regulated not by the federal government but by insurance regulators in each of the fifty states.
如今,美国的保险业,并不是由联邦政府直接监管,而是由各个州的监管机构监管
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The same question was rephrased in another way, without mentioning the word insurance-- they just described it.
同样的问题，但另一种提问方式，没有提到保险这个字眼-,而仅仅是对保险做了描述。
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What this means in the insurance context is that if you offer insurance policies you will tend to attract people who are higher risk.
保险中选择性偏差的意思是,如果你提供某个险种,吸引的是承受该险种风险较大的人群
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The third thing I was going to report was that sociologist Viviana Zelizer wrote a book about life insurance sales in the nineteenth century.
我要讲的第三件事是,社会学家维维安娜·泽利泽写的一部关于,19世纪寿险销售情况的著作
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In order to devise an insurance contact that does this job, we have to have a contract between an insurance company and the insured.
要想设计一个保险合约,要想做这项工作，我们得在保险公司和,被保险人之间建立一个合约。
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I think it's the most important theoretical concept that underlies finance and insurance, which we'll also talk about a little bit in this course.
我认为,这是构成金融学和保险学,最重要的理论核心概念,而这些我们在以后的课程中,还会再提到
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In the case of life insurance, they developed actuarial tables that require a collecting of statistics.
就人寿保险来说，还需要开发出精准的表格,这需要收集很多统计数据。
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With non-participating--with participating, you are participating in the portfolio outcome that the insurance company is experiencing, so you have some uncertainty about your cash value.
所谓参与式分红保险,是指你的收益来自某个投资组合收益,而这个投资组合是由保险公司来管理的,所以保单的现金价值是不确定的
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