目前，本财年新保单的销售量仅为前一年的五分之一。
So far this fiscal year sales of new policies are down by a fifth or so on the previous year.
一年有限的工厂保单。
有前条第二款情事发生，其保险费已付足一年以上者，保险人应将其保单价值准备金给付与应得之人。
Where subparagraph 2 of Article 20 applies and the premium has been paid for over one year, the insurer shall make the policy value reserve payable to whomsoever is so entitled.
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