Under CIF terms the seller is under obligations to effect insurance.

按CIF条款要求，卖方有责任投保。

youdao

We will effect insurance against All Risks, as requested, charging premium and freight to you.

应你方请求，我们将为该货投保一切险，并向你方收取保险费 及运费。

youdao

E.We will effect insurance against All Risks, as requested, charging premium and freight for the consignees.

我们将按要求对货物投保一切险，保费和运费将向收货人收取。

youdao

But some take effect quickly. For example,in six months the new law will bar insurance companies from denying coverage to children with pre-existing health conditions.

VOA: special.2010.03.24

While the House bill would immediately bar private insurance companies from denying coverage or raising insurance premiums based on age or gender, the Senate would wait until 2014 for this to take effect, except for children who would be covered immediately.

VOA: standard.2009.12.25

The poorest and sickest in our society have been addressed in these parts of the ACA. Yet all the attention in every debate or report I see or hear about the ACA is on the individual mandate, the effect on insurance companies, the IRS, the tax question and penalties for not buying insurance, etc.

FORBES: Move up http://i.forbesimg.com t Move down

Once the individual mandate comes into effect in 2014, health insurance will be an even worse deal for this group, since the ban on preexisting condition exclusions that comes into effect at the same time will guarantee that they can buy insurance at favorable prices in the future if their health status changes for the worse.

FORBES: What Problem Does the Individual Mandate Solve?

If you are prepared to take those risks, you in effect extract the hidden insurance premium you pay to the banks.

BBC: What threat to banks from internet lenders?