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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Looks like a good idea to me, but she says, we're having a lot of trouble selling it.

这在我看来是个绝好的主意,但她说,她们的保险销售遇到很多问题

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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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Recognizing this problem, the insurance commissioners in the various states have decided to form an organization, that's the NAIC, and they hold regular conferences.

在意识到这个问题的时候,各州的保险监督官,就决定去建立一个组织,就是美国保险监督官协会,并定期开会

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I'm transferring this to the portfolio management problem and you can see it's the same idea.

如果将保险转化为投资组合管理的问题,你会发现原理是一样的。

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Then of course, there's the other problem that the insurance company-- how does the insurance company reasonably specify that it can come through on this policy?

之后，对保险公司来说,当然还存在其它问题-,保险公司怎样才能使一份保单上,载明的内容合理而有效被执行呢？

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They have to contend with something called moral hazard, which is the risk that people will be affected by the fact that they're insured and do something bad.

保险公司必须应对道德风险的问题,也就是说,有些人可能会因为购买了保险,而动了歪念来骗取保费

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The big problem life insurance had was people would buy it and they'd pay for several years and eventually they would think, well we didn't die, we're losing all this money, let's just cancel the insurance.

人寿保险的一个主要问题是,人们在购买了若干年保险后会突然觉得,我们并没有死,保费白花了,我们干脆把保险取消好了

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