In pricing the premium, insurance companies need to estimate insurance loss, especially its maximum value.

保险公司在保险费定价时，需要估计保险损失费，特别是保险损失费的最大可能值。

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We estimate a premium of about 1%.

但溢价水平并不高，大概在1%左右。

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Our new price estimate is at a premium of about 10% to current market prices.

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Intel is already a best-in-class performer, underscored by our price estimate which implies a healthy premium to the market price.

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After adjusting for these factors, the authors argue that the best estimate of the equity risk premium worldwide in future is 4-5 percentage points.

ECONOMIST: Stockmarket valuations