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This is insurance that you pay each year for insurance in that year and it does not build a cash value.
为了这种保险可以持续生效,你每年都要缴纳保费,保费不产生现金价值
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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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Again, I'm repeating a theme that is in my book, New Financial Order, that financial innovation and insurance innovation is a succession of inventions and each invention propels the idea more forward.
我要再一次强调我的《金融新秩序》,这本著作的主题之一就是,金融创新与保险创新,是前后相继的一系列创新活动,每一步创新都推动着保险理论向前发展
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The real insurance industry, as I mentioned before, began in the 1600s with the invention of probability theory and with the invention of life tables for-- the invention of actuarial science; but, it grew slowly.
正如我刚才所提到的,真正的保险始于17世纪,这得益于概率论,寿命表以及,精算学的产生,但是,它的发展很缓慢
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She found that there was a lot of resistance to the purchase of life insurance in the nineteenth century.
她发现19世纪的人们,对购买寿险有很强的抵触情绪
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I was standing at the World Economic Forum at one of our lunch things and a young woman approached from Swiss Re, which is the Swiss Reinsurance Company, and she said she wanted my ideas on how to sell crop insurance in Africa.
有一次,在世界经济论坛的午餐会上,一位瑞士再保险的年轻女士找到了我,她公司的全称是瑞士再保险公司,她说她想知道我关于,如何在非洲出售农作物保险的意见
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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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Or the insurance company could be a mutual insurance company, in which case the insurance company is owned by the insured.
保险公司也可以是互助保险公司,也就是保险公司的股东就是被保险人
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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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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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What this did is it allowed banks to offer insurance or to ally and join in and merge with insurance companies.
这个法案允许了银行从事保险业务,或者与保险公司合作,整合,并购
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The whole city burned down, practically, in a terrible fire and fire insurance started to proliferate right after that in London.
大火几乎烧毁了整座城市,紧随着那场伦敦大火,火险订单的数量激增
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The percent of people who said yes to that was lower because they didn't put it in an insurance frame.
回答会签署的人占比极低,因为他们注意到框架效应的影响。
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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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