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Whole life" is more complicated because it builds a cash value according to a schedule and there is both non-participating and participating.
终身人寿保险则更为复杂,因为它会按照购买计划产生现金价值,其中又分为非参与式分红保险和,参与式分红保险两种
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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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And he buys life insurance accordingly.
而他也因此购买人寿保险。
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You need insurance on both parents because both parents are contributing to the success of the children.
之所以父母双方都要购买保险,是因为父母双方都对,孩子的成长起着重要的作用
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So, wouldn't you think that farmers would want to buy crop insurance from this Swiss company?
难道你们不认为农民应该希望从,瑞士再保险那里购买农作物保险吗
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You should think that people would really want life insurance but they were not buying it.
你可以想象当时的人们是多么需要寿险,但他们却不去购买保险
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People in a profession over the years learn more and more about how to manage the public's expectations and get them to actually purchase insurance.
随着时间的推移,从事这一行的人们,掌握了越来越多的迎合公众期望的方法,并最终说服他们购买保险
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One of them was, would you buy insurance against such and such a risk?
其中一个问的是，你会通过购买保险来避险吗？
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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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You would buy life insurance on both the husband and the wife -you might do different amounts; it's done by families with young children to protect them against the economic cost of the death of one of their parents.
夫妻双方都应该购买寿险,但两份保险的金额可以有所不同,这适用于有小孩子的家庭以弥补,因父亲或母亲去世而带来的经济损失
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