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第八讲：保险类别之二人身保险Life,Health insurance and Annuities保险学第八讲人身保险保险的概念：投保人按照保险合同的约定向保险人缴纳保险费，当被保险人在合同期限内发生死亡、伤残、疾病等保险事故或达到合同约定的年龄、期限时，保险人按照合同约定给付保险金。
保险学第八讲人身保险的特点：⏹人身保险事故⏹人身保险产品⏹人身保险业务保险学第八讲人身保险事故的特点：⏹人身保险事故的发生，在时间上不确定，但通常具有必然性⏹人身保险事故发发生具有分散性⏹人身保险中死亡事故的发生概率随被保险人年龄的增长而增加，但具有相对稳定性保险学第八讲人身保险产品的特点-1⏹潜在需求广，需求弹性较大⏹保险金额的确定依据被保险人对保险的需求和投保人的缴费能力以及保险人的可承受能力来确定。
⏹保险金给付属于约定。
不适用补偿原则（医疗保险例外）：比例分摊、代位追偿、重复保险保险学第八讲人身保险产品的特点-2⏹可保利益是以投保人和被保险人之间的关系来确定⏹保险期限长⏹寿险保单具有储蓄性保险学第八讲人身保险业务的特点⏹按年度均衡费率计收保险费⏹对每份人身保单逐年提取准备金⏹保险投资的重要性⏹保单调整困难⏹保险经营连续性保险学第八讲人身保险的基本分类⏹按承保范围：人寿保险、健康险、人身意外伤害保险⏹按投保人数分为：个人保险、联合保险、团体保险⏹按被保险人的体格特征：健体保险、弱体保险（特别条件承保）⏹分红保险和不分红保险保险学第八讲人身保险合同中的重要条款-1不可抗辩条款：保险人不能在保单订立两年之后，以保单出立时投保人违反如实告知义务（误告、漏告、和隐瞒、欺骗）为理由，主张合同无效，拒绝给付保险金。
合同生效后两年为保险人的抗辩期。
保险学第八讲THE INCONTESABLE CLAUSEIt states if there is a valid contract between the insurer and insured ,the insurer may not contest the policy to void it after the policy has been in force for a one-year or two year period .Generally ,after the specified time has elapsed ,even if a notorious fraud is uncovered ,the insurer can not void the policy.保险学第八讲思考：法律为什么设置不可抗辩条款？体现衡平原则，防止“最大诚实信用原则”的滥用保护被保险人和收益人利益1.若被保险人的确位尽告知义务，保险人在抗辩期（2年）有足够的能力进行调查。
A New English-Chinese Dictionary Of Insurance最新实用英汉保险词典目录词典正文附录一世界部分保险机构附录二各国或地区货币名称附录三时差表中文索引词典正文A aaccidental death benefit 意外死亡赔偿A rate A费率A&I = accident and indemnity事故与赔偿A&S = accident and sickness insurance意外伤害和疾病保险A.R.; A/R = all risks 1.综合险2. 全险AABD = aid to the aged, blind, and disabled对老年人、盲人和残疾人的救济AAI = accredited adviser in insurance许可保险顾问AAM = Associate in Automation Man- agement自动化管理准会员AAR = against all risks一切险,全险Abandoned merchandize无主货物abandonee受委托的承险人(在海运保险中受保险人委托处理海损财物的保险人) abandonment委付abandonment clause委付条款abandonment cost (水险中的)委付费用abandonment of claim放弃索赔abandonment of right放弃权利abandonment policy取消损失保险保单abatement减免abnormal risk特殊风险above normal loss超常损失abridged life table简易生命表abridgement of damage减少损害赔偿金absolute完全或最终的无条件的裁决absolute assignment绝对委托absolute beneficiary绝对受益人absolute ceiling franchise绝对免赔限度absolute cover绝对保险额absolute deductible franchise rate绝对免赔率absolute liability绝对赔偿责任absolute ownership绝对所有权absolute privilege绝对特权absolute term 1. 绝对期限2.绝对条款absolute total loss绝对损失, 绝对全损abstract摘要卡abuse of process程序滥用abutting coverage 1. 连续保障2.邻期保险单AC = accident意外事故ACA = Associate of Conference of Ac- tuaries in PublicPractice美国赔偿协会准会员ACAS = Associate of Casualty Actuar- ial Society意外精算学会准会员accelerated benefits提前给付(寿险保单附加条款)accelerated endowment加速满期accelerated option加速满期选择权accelerated paid-up or endowment缩短缴费期限或加速满期acceleration clause加速条款acceleration life insurance 1.加速寿险2. 寿险提前给付accelerative endowment加速型两全寿险accept承诺accept a claim接受索赔accept a commission接受委托acceptance承诺accepted reinsurance分入接受再保险accepted value承诺价值accepting office分入公司accession 1. 取得2. 增加accession clause附加条款accessory contract附加合同accessory document附属单据accessory expenses附加费用accessory risk附加险accident意外事故accident and health insurance意外伤害和健康保险accident and indemnity事故与赔偿accident and sickness insurance意外伤害和疾病保险accident beyond control无法控制的意外事故accident control or prevention意外事故控制或防避accident costs事故费用accident damage意外损坏accident data recorder事故资料记录器accident death benefit人寿保险的意外死亡双重赔偿条款accident death insurance意外死亡保险accident frequency意外事故发生率accident frequency rate意外事故发生率accident in handling装卸意外事故accident in shipping装运意外事故accident in stock存仓意外事故accident in transit途中意外事故accident in warehouse仓储意外事故accident insurance意外保险accident policy意外险保单accident prevention事故预防accident rate意外事故率accident report意外报告, 事故报告accident report form意外事故报告单accident severity意外事故强度accident severity rate意外事故强度率accident year事故年accident year experience事故年记录accident year statistics年度意外事故统计资料accidental average意外海损accidental bodily injury意外身体伤害accidental cause意外原因accidental cost意外费用accidental damage意外损失accidental death意外死亡accidental death and dismemberment意外死亡和残疾accidental death and dismemberment benefit意外死亡和断肢结付accidental death and dismemberment insurance意外伤亡和残疾保险accidental death and dismemberment rider意外死亡和断肢附加条款accidental death benefit意外死亡保险金accidental death benefit rideraccidental death benefit rider意外死亡给付附加条款accidental death clause意外死亡保险条款accidental death insurance意外死亡保险accidental dismemberment意外残废accidental force不可抗拒力accidental loss意外损失accidental means突发原因accidental means (death by)意外原因死亡accidental means death benefits意外原因死亡保险accidental way damage途中意外损坏accidents liability insurance意外事故责任保险accidents receivable insurance应收款项保险accommodation融通accommodation line融通业务accommodation party票据融通人accord and satisfaction调解account账务account analysis账务分析account and risk账务和风险account current会计月报告account payable应付账款account receivable应收账款account selling账目销售accountant liability insurance会计师责任保险accountant professional liability in- surance会计师职业责任保险accounting会计accounts receivable bond应收账款担保书accounts receivable insurance应收账款保险accounts receivable policy应收账款保险单accredited adviser in insurance许可保险顾问, 资格保险顾问accrual basis of accounting权责发生会计制accrual of benefits (pension plans)累积保险金(养老金计划) accrued benefit应计给付额accrued benefit cost method应计给付额退休金成本法accrued depreciation应计折旧accumulated dividends累积红利accumulation累积增额给付accumulation at interest dividend option红利累积选择权accumulation benefit累积给付accumulation clause累积给付条款accumulation period累积期间accumulation policy累积给付保单acid and chemical damage policy化学侵蚀保险ACII英国特许保险学会准会员acknowledgement of insurance dec- laration投保声明的回执acquisition agent缔结保险合同代理人acquisition cost 1.展业费2. 新合同成本ACRS加速费用恢复系统act of carriage of goods by sea海上货运条款act of God不可抗力active life reserve生存者责任准备金active trust积极信托actively employed身体合格雇员, 在职雇员activities of daily living日常活动能力actual cash value实际现金价值actual cash value policy实际现金价值保险actual dividends实得红利actual loss rate实际损失率actual present value实际现值actual total loss实际全损actuarial保险统计, 精算actuarial assumption精算假设actuarial basis保险统计计算标准actuarial consultant精算顾问actuarial cost精算成本actuarial cost method精算成本法actuarial evaluation精算估值actuarial experience gains or losses精算损益actuarial liability精算负债actuarial method保险统计法actuarial present value精算现值actuarial rate精算费率actuarial report精算报告actuarial return精算收益率actuarial revaluation gains or losses精算重估损益actuarial science保险统计计算科学actuarial valuation精算评估actuarially reduced annuity精算减额年金actuarially sound安全精算actuary 1.精算师2. 保险统计员actuary enrolled注册精算师ad damnum索赔金额ad valorem duty从价课税AD&D = accidental death and dis- membermentrider意外死亡和断肢附加条款ADB = accidental death benefit意外死亡保险金addendum附约addendum clause条件条款additional call追加保险费additional death benefit附加死亡给付additional expense insurance追加费用保险additional expense-strike罢工险额外费用保险additional expense-war risk战争险附加费用additional extended coverage追加保险additional insurance附加保险additional insured附加被保险人additional liabilities for accidental injury to passenger旅客意外伤害保险额外责任additional optional policy附加的可选择保单additional premium 1.附加保费2. 追加保险费additional provisions追加条款additional reserve for guaranteed re- newable policies续保保单的追加准备金additional term insurance dividend option附加定期保险的红利选择权adequate consideration充分对价adhesion contract附合式合同adhesion insurance contract合意保险合同adjustable life insurance可调整年金保险adjustable premium可调整保费adjusted earnings调整后收益aggregate products liabilityadjusted gross estate调整后总遗产adjusted net gain from operations调整后的经营净收益adjusted net worth调整后净值adjusted premium method调整保费法adjusted taxable gifts调整后应纳税的捐赠adjuster 1. 仲裁人2. (保险公司的)理算员adjustment理算adjustment bureau仲裁机构adjustment coefficient调节系数adjustment expenses理算费用adjustment income调整性收入adjustment of transport loss运输损失的理算adjustment period调整期间adjustment premium经调整的保险费ADL = activities of daily living日常活动能力adminicular evidence辅助证据administer claim解决索赔案件administration bond行政担保administration expenses遗产管理费用administrator遗嘱管理人administrator (pension plan)退休金计划管理人administrator’s deed管理人证书admiralty海事admiralty bond航海保证金admiralty court海事法庭admiralty liability海事责任admitted assets认可资产admitted insurer准允营业的保险人admitted liability 1.公认责任2. 强制责任adult day care成年人全天监护advance discounting for mortality (退休金)预先死亡扣除advance discounting for severance (退休金)提前离职扣除advanced funded pension policy提前筹资的退休年金保险advanced funding提前筹资advanced life and health insurance高级人寿及健康保险advanced life underwriter高级寿险承保人advanced life underwriting高级寿险承保adverse claimants逆向索赔人adverse selection逆选择adverse witness反证人advertisers liability insurance广告商责任保险advice of fate出险事故通知书advisory insurance organizations保险咨询机构AEC附加扩展保险责任AEE附加加速费用aerial insurance空运保险aero insurance 1.飞行保险2.航空保险AFDC = aid families with dependent children未成年儿童家庭救济affidavit of claim请求给付申请书affirmative warranty保证书after-acquired property已获得的抵押资产against all risks一切险, 全险age保险年龄age 100生命表的寿命界限age at issue投保年龄(保单生效时的年龄)age last birthday前次生日年龄法age limits年龄限制age nearest birthday最近生日年龄投保age of majority合法年龄age setback年龄倒退法age-adjusted mortality rate按照年龄调整的死亡率agency 1.代理2. 代理店3.营业处agency agreement or contract代理人协议或合同agency billing代理公司通告agency by ratification经批准的代理机构agency commission clause代理佣金条款agency contract代理契约agency department代理部agency director代理处经理agency experience代理业绩记录agency inspector代理监察agency office代理处agency plant代理系统agency relationship代理关系agency superintendent代理处监督官agency system代理制度agent代理人agent authority代理权限agent commission代理佣金agent qualification laws代理人资格法agent’s authority代理人权限agent’s authority of power代理权限agent’s balance代理人平衡表agent’s certificate代理人报告书agent’s commission代理佣金agent’s letter of record代理人记录文件agent’s license代理人执照agent’s note代理人票据agent’s power代理人权限agent-policy-writing保单签发代理人age-specific death rate特定年龄死亡率age-specific mortality rate特定年龄计算的死亡率aggravated risk劣质业务aggregate amount累计保险金额aggregate annual deductible年免赔金额aggregate claim process累计索赔过程aggregate claims累计索赔aggregate excess contract超额赔款合同aggregate excess of loss cover累积超额赔款再保险aggregate excess of loss reinsurance累积超额赔款再保险, 累积停止损失再保险aggregate indemnities补偿总额aggregate indemnity赔偿总额aggregate limit累积限额, 总限额aggregate limit clause累积限额条款aggregate limit of indemnity累积赔偿限额aggregate method总和法aggregate mortality table综合死亡表aggregate operations liability综合营运责任aggregate products liability 1. 产品责任累积限额2.产品综合责任险aggregate projected benefit cost methodaggregate projected benefit cost method预计给付成本总和法aggregate protective liability总保障责任aggregate reserve总准备金aggregate stop loss reinsurance累积停止损失再保险,累积超额赔款再保险agreed amount clause协议价值条款, 定额条款agreed amount endorsement协议金额批单agreed insured value协定保险价值, 约定保险价值agreed return协议退款agreed value 1.协定保额2. 议定价值agreed value clause议定价值条款agreed value policy议定价值保单agreement协议agreement on reinsurance分保合同agricultural equipment floater农业设备保险单agricultural equipment insurance农业设备保险agricultural insurance农业保险agricultural machinery insurance policy农业机械保险agricultural mutual aid insurance money农业互助保险金agriculture crop insurance农作物保险AIAF = Associate in Insurance Ac-counting andFinance保险会计和财务准会员AIC = Associate in Claims理赔准会员aid families with dependent children未成年儿童家庭救济aid to the aged, blind and disabled对老年人、盲人和残疾人的救济AIM = Associate in Management管理准会员AIME = average indexed monthly earnings指数化月平均收入air bill all risks航空保险全单(货物空运时出具的保险单)air bill of loading航空提单air cargo insurance空运货物保险air cargo liability insurance空运货物责任保险air carriage (FPA)空运货物保险单独海损不赔条款air carriage (WA)空运货物保险单独海损赔偿条款air insurance空运保险air passengers policy旅客航空险air risks航空风险air transport insurance空运保险air transportation all risks航空运输一切险air transportation cargo insurance空运货物保险air transportation cargo war risks航空运输货物战争险air transportation insurance空运保险air transportation risks航空运输险aircraft all risks飞机全险aircraft hull insurance飞机机身保险aircraft liability insurance飞机责任保险aircraft passenger insurance飞机乘客保险aircraft passenger liability insurance飞机乘客责任保险aircraft product liability insurance飞机产品责任保险airplane insurance飞机保险airport liability coverage机场责任保险alarm valve报警阀ALCM = Associate in Loss Control Management损失控制管理准会员alcoholic beverage control laws含酒精饮料控制法alcoholic beverage liability insurance酒精饮料责任保险aleatory射幸性(事件发生的不确定性)aleatory contract射幸合同alien company外来公司alienate转让alienation转让alienation clause转让条款all lines综合业务all lines agency综合保险代理机构all lines insurance综合险保险all marine and war risks一切海运及战争险all risk insurance 1. 一切险保险, 全损险保险2. 综合险保险all risks 1. 综合险2. 全险all risks clause 1. 综合险条款2. 全险条款all risks contract 1.综合险条款2. 全险条款all risks cover 1. 全险保单2.综合险保单all risks for shipment of frozen prod- ucts冷藏货物运输一切险all risks policy一切险保险单all risks whatsoever不论原因的一切险all usual risk一切通常险allegation断言allied lines附加保险all-in insurance全损保险All-Inclusive Trust Deed全括性信托契据all-loss insurance保全险allocated benefits划定给付allocated expenses可分配费用allocated funding instruments个人积存方式allocation分配allocation formula分配方式allocation of plan assets计划资产的分配allocation of plan assets on termination终止时计划资产的分配allowed asset认可资产alpha risk甲级风险alphabet broker字母经济人alphabet house字母公司ALR = actual loss rate实际损失率alteration bond变更保险alterations变更alternate beneficiary备选受益人alternate policy保险副单alternate valuation date备选估价日alternative minimum cost method选择最低成本法alternative minimum tax选择性最低税alternative optional policy替换选择性保险单alternative probability可更替概率always open持续有效amalgamation合并ambiguity含糊Associate in Premium Auditingambulatory可变更的AME = average monthly earnings平均月收入amendment修订American agency system美国代理人制度American Experience Table of Mor- tality美国经验生命表American Men’s Mortality Table美国男性生命表AMMINET = Automated Mortgage Market Information Network自动化抵押市场信息网(全美范围的电子报价系统) amortization分期偿付amortization fund分摊资金, 分期还款基金amortization quota分摊额, 分期偿还比例amortization schedule分期偿付表amortized value摊提价值amount at risk风险保额amount ceded (再保险)分出(保)额amount covered保障金额amount for which loss settled理赔金额amount insured保险金额amount of cession分保额amount of coverage保险金额amount of insurance保险金额amount of insurance in carried实保金额amount of insurance in force有效保险金额amount of insurance required应保金额amount of insurance to value保险金额与保险价值之比amount of loss保险金amount of reinsurance再保险金额amount required最低应保额amount retroceded转分保金额amount secured被保险金额amount subject标的金额AMT = alternative minimum tax选择性最低税AMW = average monthly wage月平均工资analysis分析analysis of property and casualty policy财产和意外保险分析analytic schedule分析表analytic system分析系统analytic system for the measurement of relative firehazard相关火灾风险衡量分析系统anamnesis既往病历anchor policy“锚”标志保单ancillary benefits辅助保险单angle of the V “V”角animal health insurance动物健康保险animal life insurance动物生命保险anniversary date签单周年日annual actuarial cost年精算费用annual aggregate limit年度总限额annual exclusion年除外责任annual expected dollar loss年预期损失额annual financial statement年度财务报表annual insurance policy一年期保险单annual insurance premium年度保险费annual mortgagor statement抵押人年度报表annual payment annuity年支付年金annual pension cost年养老金成本annual policy一年期保险单annual premium年度保险费annual premium annuity年缴保险费年金annual premium deferred annuity延期年缴保险费年金annual rate年费率annual renewable agreement年续保协议annual renewable term每年可续保保险annual report年度报告annual report summary年度报告摘要annual return年报告annual statement年度报表annual supplemental cost年附加成本annual transit insurance年度货物运输保险annualization年度化annualized年度化annually renewable term每年可续保条款annuitant年金领取人annuity 1. 年金2. 年金合同annuity age change变化年金年龄annuity analysis年金分析annuity assurance年金人寿保险annuity certain确定年金annuity consideration年金对价annuity contract年金保险合同annuity due首期年金annuity for life终身年金annuity forms年金形式annuity insurance年金保险annuity method 年金法annuity mortality table年金生命表annuity of life终身年金annuity period年金给付期间annuity purchase rate年金购买率annuity rate年金率annuity retirement退休年金annuity risk年金风险annuity table年金表Annuity Table for 1949 1949年年金表annuity tables年金生命表annuity units年金基数annuity with minimum period最短期限年金, 保证期限年金annul撤销, 宣告无效answer答辩antecedent先时的, 在前面的, 在……之先antedate提前日期anti-cancellation laws反注销法anticipated mortality死亡率预测anti-coercion laws反强制法anti-compact laws反协定法anti-discriminatory laws反差别法anti-rebate law(s)反保费回扣法anti-selection逆选择anti-trust laws反垄断法AP = additional premium 1. 附加保费2. 追加保险费AP = annual premium年度保险费APA = Associate in Premium Auditing保险费审计准会apartment package policy员apartment package policy公寓一揽子保险单apartment policy公寓保险单APBM累积计划给付方法APIP附加个人伤害保障APL自动垫缴保费app. = application申请, 投保apparent agency表面代理apparent authority表面代理权appeal bond上诉保证书appellant上诉人appellate court上诉法院Appleton Rule阿普莱顿规则applicant投保人applicant for insurance投保人application 1. 申请, 投保2.投保单application agent投保代理人application for insurance投保申请书application for marine insurance水险投保书application for open policy预约保险单申请书application form投保书appointment委托appointment of trustees for terminated plan指定终止计划受托人appointment papers委托文件apportionable annuity比例年金apportionment比例分配apportionment clause比例分配条款appraisal估价appraisal clause估价条款appraisal inventory估价财产清单appraisal of damage 1. 损失评估2. 损失赔偿评定appraisal surplus估价盈余appraisements估价appraiser估价人appreciation增值approach接近方法appropriated surplus特别公积金approval承保approved合格的approved roof合格屋顶appurtenant structures附属建筑物APS = attending physician’s statement主治医生报告arbitration clause仲裁条款arbitrator仲裁人architects and engineers professional liability insurance建筑师、工程师职业责任保险architects inspection certificate建筑师检验证书architectural specifications建筑计划书area of origin起源地ARM = Associate in Risk Management 风险管理准会员arm’s length transaction正常商业交易armored car and messenger insurance武装车辆及专送保险Armstrong investigation阿姆斯特朗调查ARP = Associate in Research and Planning调查和规划准会员arranged total loss协议全损arrears保费延滞arrears and advances滞缴与预缴arrest拘留arrest bond拘留保险arrived damaged value目的地毁损价值arrived sound value目的地完好价值arson纵火arson clause火险保单中关于自行纵火不予赔偿的条款arsonist纵火犯ART = annually renewable term每年可续保条款art glass policy美术玻璃保险单as expiry原样续保as interest may appear视可保利益出现而定as original同原保险as per original照原保险单率ascertainment of indemnity确定赔偿assailing thieves攻击性盗贼assce = assurance保险assessable insurance可估价保险assessable mutual可估价相互公司assessable premium insurance company 估价保费相互保险公司assessed value估定价值assessment追征金assessment clause保费追缴条款assessment company赋课型公司assessment insurance赋课型保险, 摊派保险assessment insurer赋课型保险人assessment of damage goods破损货物的估价assessment of loss损失的估价assessment of the amount of redemp- tion估算偿还额assessment of value估价assessment period保费追缴期assessment plan摊派保险assessment rolls摊派税款清册assessment society赋课型友爱社assessor财产估价人asset and liability matching资产负债配比asset and liability risk 资产负债风险asset share method资产份额法asset share values资产份额价值asset sufficiency or insufficiency资产充分或不充分asset valuation资产评估assets资产assets and valuation资产与评估assets insurance资产保险assets share资产份额assign转让assigned claims转让赔款assigned claims plan转让赔款计划assigned risk分派风险, 强制接受的业务assigned risk plan分派风险计划assignee受让人assignment转让assignment clause (life insurance)寿险转让条款assignment of benefits保险金转让assignment of life policy人寿保险的转让automobile insurance plansassignment of policy保险单转让assignor转让人assigns受让人assisted living facilities辅助生活设施associate captive协会自保associate degree in risk management风险管理助理Associate in Automation Management自动化管理准会员Associate in Claims理赔准会员Associate in Insurance Accounting and Finance保险会计和财务准会员Associate in Loss Control Management损失控制管理准会员Associate in Management管理准会员Associate in Premium Auditing保险费审计准会员Associate in Research and Planning调查和规划准会员Associate in Risk Management风险管理准会员Associate in Underwriting准承保会员Associate of Casualty Actuarial Society意外精算学会准会员Associate of Conference of Actuaries in Public Practice美国赔偿协会准会员association captive联合专属保险人association group协会集团association group plans协会集团计划association insurance协会团体保险assume接受, 承担assumed interest rate (人寿保险)预定利率assumed liability policy承担责任保险assumed loss ratio预定损失率assumed mortality rate (人寿保险)预计死亡率assumed reinsurance承继再保险assuming company分入公司assumption承担assumption agreement承担协议assumption certificate承担证明书assumption endorsement承担背书assumption fee承担费assumption of mortgage承担抵押assumption of risk风险承担assumption reinsurance承担再保险assumptions假设assurance保险assurance law保险法assurance on aviation航空保险assurance on death死亡保险assured被保险人assurer保险人at occupation职业事故atomic energy commission原子能佣金atomic energy reinsurance原子能再保险attach起保attachment 1. 附保2. 扣押attachment date责任开始日attachment of risk保险责任开始attained age达到年龄attained age conversion达到年龄转换attending physician’s report护理医生报告attending physician’s statement主治医生报告attestation clause证明条款attorney代理人, 律师attorney in fact委任代理人attorney-at-law律师auction拍卖auctioneer’s bond拍卖人保证audit审计audit bureau审计局audited premium审定保险费auditor审计员authority to terminate plan终止计划权authorization核准authorized company授权公司authorized insurer授权保险人auto tax汽车税Automated Mortgage Market Information Network自动化抵押市场信息网(全美范围的电子报价系统)automatic builders risk form自动船舶建造险保单automatic cost-of-living increase生活费自动增加automatic cover自动承保automatic coverage自动保障automatic increase in insurance en- dorsement保险批单的自动增加automatic non-proportional reinsurance自动非比例再保险automatic paid-up自动缴清automatic premium loan provision自动垫缴保费条款automatic proportional reinsurance自动比例再保险automatic reinstatement自动续保automatic reinstatement clause 1.保险金额自动恢复条款2. 自动续保条款automatic reinsurance自动再保险automatic reinsurance treaty自动再保险合同automatic restoration自动恢复automatic sprinkler自动喷淋灭火系统automatic sprinkler clause自动喷淋设备条款automatic termination clause自动终止条款automatic termination of cover clause自动销保条款automatic treaty自动再保险合同automobile assigned risk insurance plan汽车分派风险保险计划automobile assurance汽车保险automobile collision汽车碰撞automobile comprehensive汽车综合险automobile death and disability coverage汽车死亡和残疾保险automobile death indemnity coverage汽车死亡补偿保险automobile fleet汽车队automobile insurance汽车保险automobile insurance (comprehensive)汽车(综合)保险automobile insurance (drive other cars) (驾驶其他汽车的)汽车保险automobile insurance (hired cars) (租用)汽车保险automobile insurance (non-owner liability) (非所有权责任)汽车保险automobile insurance plans汽车保险计划automobile liabilityautomobile liability汽车责任automobile liability excess policy汽车责任超额保险automobile liability insurance汽车责任保险automobile liability insurance certifi- cate汽车责任保险证明书automobile liability policy汽车责任保险单automobile medical payment insur- ance汽车医疗给付保险automobile physical damage insurance汽车车身保险automobile reinsurance facility汽车再保险计划automobile shared market汽车共有市场automobile theft汽车盗窃automobile, boat and aircraft insur- ance汽车、船舶和飞机保险auxiliary fund辅助基金avail (of contract) (合同上的)利益avenues of fire spread火灾蔓延途径average海损average adjuster海损理算员, 海损理算师average adjustment海损理算average agent海损代理人average agreement财损协议书average blanket rate一揽子平均费率average bond共同海损承付保证书average claim size平均索赔额average clause 1. 海损条款2.水渍险条款average distribution clause平均分配条款average earnings clause平均收入条款B.D.I. = both days inclusive含生效日及到期日B/L = bill of lading提单b’lading = bill of lading提单back-date倒填日期back-end loaded期末费用backload撤离费bad debts policy坏账保险单bad odor恶味险bad risk风险大的保险baggage insurance行李保险bail保释金bailee (财物的)受托人bailee clause受托人条款bailee’s customers insurance受托人顾客保险bailees insurance受托人保险bailees liability insurance受托人责任保险bailer委托人, 寄托人bailment (财物的)委托人bailor寄托人bailor’s property insurance寄托人财产保险balance余额balance sheet资产负债表balance sheet reserves (退休金)平衡表准备金balance sheet reserves plan (退休金)平衡表准备金计划balanced security平衡保障balancing charge差额税balancing charge insurance差额税保险average indexed monthly earnings指数化月平均收入average loss clause平均损失条款average monthly earnings平均月收入average monthly wage月平均工资average net cost平均纯费用average pay plan平均工资基准型退休金计划average policy 1. 填补保险单2. 海损保险单average premium平均保费average rate平均费率average risk平均风险average semi-private rate平均半私人费率average statement海损理算书average weekly benefits平均周给付average weekly wage平均周工资aviation accident insurance航空意外事故保险aviation clause航空条款aviation exclusion航空险除外责任aviation hazard航空风险aviation hull insurance航空机体保险aviation insurance航空保险aviation passenger accident insurance航空乘客意外事故保险aviation personal accident insurance航空人身意外事故保险aviation trip life insurance航空航程人身保险avoidance防避avoidance policy保单无效award仲裁赔偿B bbank burglary and robbery insurance银行失窃及抢劫保险bank check plan银行支票计划bank loan insurance银行贷款保险bank loan plan银行贷款计划bank trusted retirement plan银行信托退休计划bankers blanket bond银行综合保证保险Banking Act of 1933 (美)1933年银行法bankrupt破产bankruptcy宣告破产BAP = business automobile policy商业汽车保单barge retention驳船险扣存保险费barratry不法行为, 故意损害行为base pay基本工资base premium基线保险费base rate基本费率baseline data基线数据basic auto policy基本汽车保险单basic benefits (basic hospital plan)基本住院福利计划basic insurance基本险basic limit基本限额basic limits of liability基本责任限额Basic Medical Insurance Plan基本医疗保险计划basic premium基本保费basic rate基础费率basic specification基本项目表basic split-dollar plan基本保费分摊计划branch office systembasic time frame基期basis for claim索赔依据basis rate基本费率batch clause整批条款Bayes’Theorem贝叶斯定理Bayesian approach 贝叶斯方法bearer policy持有人保险单beauty parlor public liability insurance美容院公共责任保险before-tax earnings税前所得beneficial interest受益权beneficiary受益人beneficiary change变更受益人beneficiary clause受益人条款beneficiary of trust信托受益人benefit 1.保险赔偿费2. 给付3. 利益, 津贴benefit for child of retired worker退休工人子女给付benefit for disabled child of deceased, disabled, or retiredworker已故、残废或退休工人的残疾子女年金给付benefit for disabled widow or widower-age 50~62 50~62岁残疾鳏寡年金给付benefit formula给付方式benefit of business life and health in- surance企业主管人员保险benefit of insurance保险利益benefit of insurance clause保险利益条款benefit of salvage保险利益条款benefit package福利范围benefit payable应付养恤金benefit period给付期限benefit planning保险给付计划benefit policy定额保单benefits department理赔部, 给付部bequest遗赠BERI = Business Environment Risk Index企业环境风险指数betterment insurance改良保险bid bond投标押金, 投标保证金bilateral contract双边合同, 双边契约bill of lading提单billed claims保户医疗账单binder 1.暂保单2. 暂时契约3. 承保协议binding authority限制权限binding clause限制条款binding receipt承保收据binding slip暂保单binomial distribution二项分布biometric functions生命函数birth rate出生率blackout period福利脱接期blank rate总括保险费率blanket accident medical expense总括意外医疗费用blanket bond总括保证保险blanket contract一揽子合同blanket coverage总括保险blanket crime endorsement总括犯罪保单blanket crime policy总括犯罪保单blanket fidelity bond总括忠诚保证保险blanket form一揽子保险blanket honesty bond总括诚实保险blanket insurance总括保险blanket limit总限额blanket medical expense insurance总括医疗费用保险blanket policy统保单, 总括保险单blanket position bond一揽子职业保险blanket rate总括保险费率blanket retrocession总括转分保blind treaty全权委任合约blinder暂保单block insurance (多批相同货)统保block limit地段限额block policy统保单, 综合保单Blue Cross, Blue Shield subscriber蓝十字、蓝盾计划加入者blue list蓝表Blue Plan蓝十字保险计划board insurer委员会保险人bobtail liability insurance短尾巴责任保险bodily injury人身伤害bodily injury insurance人身伤害保险bodily injury liability insurance人身伤害责任保险boiler and machinery insurance锅炉及机器保险boiler insurance锅炉保险bond 1. 保证2. 保证会bond insurance 1.保证保险2. 债券保险bonding company 1.保证公司2. 担保公司bonding insurance保税保险bonds保证保险bonus certificate保险公司给予保险人的红利证明书bonus funding额外所得基金bonus loading附加保险费book debts insurance应收账款保险book of business保户总账册book value账面价值book value per common share普通股每股账面价值BOP = business owners policy企业所有人保险bordereau业务报表borderline risk临界危险borrowing authority of pension benefit guaranty。
保险英语常用词汇保险英语词汇Aabandonment委付abandonment clause委付条款accident意外事故accounting period结算期act of god不可抗力actual total loss实际全损actuarial method精算法actuary保险精算师additional premium附加保险费additional risk附加险advance profit预期利润aggregate limit累积限额aggregated loss累积损失all-risks policy一切险保单antis election逆选择applicant投保人application投保单approved承保assignment clause转让条款average海损、海损分摊average adjuster海损理算人average clause共同海损分担条款保险英语词汇Bbalance所欠款项beneficiary受益人binder暂保单binding slip暂保单breakage of packing包装破碎险broker经纪人保险英语词汇C保险英语词汇Ddamage损坏赔偿金damage cargo clerk理残员，货损管理员damage cargo list货损单，残货单damage certificate损坏证明书damage claim损坏索赔damaged by other cargo由其他货物损害damaged cargo list受损货物单damaged cargo report受损货物报告书，货物损害报告deductibles免赔额deposit premium预付保费destroyed毁坏disbursement policy(船舶)驶费保险单dividend system红利制度double insurance双保险dual valuation clause双重价值条款保险英语词汇Eemployer业主Endorsement批单endorsement:签注endowment insurance养老保险endowment policy人寿定期保险单event limit事件限额ex gratia payments通融赔款excess loss超额赔款excess of loss cover超额赔偿excess of loss（XL)超赔分保exclusion除外责任EXL protection超赔保障exposed areas风险承受区域exposure rating风险评估extended-term insurance过期保险extra charges额外费用extra premium额外保险费extraneous risks (additional risks)附加险保险英语词汇Ffacultative businessxx分保facultative reinsurancexx时分保fault liability过失责任financial quota shares成数分保fine print细则finite risk有限制的风险finite risk transfer有限风险转移floating policy浮动保险单franchise (deductible) 免赔额；免赔率free of all average (FAA)全损赔偿freight insurance运费保险freight policy运费保险单full coverage全额承保full insurance全额保险full insurance value足额保险价值full liability全部责任保险英语词汇G保险英语词汇Hhazard危险因素health insurance疾病保险，健康保险heavy damage严重破坏holistic risk transfer整体风险转移hook damagexx（钩）损险hour clause小时条款保险英语词汇I保险英语词汇J-LJjettison投弃Llaw of insurance保险法law of large numbers大数法则leaflet说明书less exposed损失可能性小letter of guarantee保函，保证书liability责任liability insurance责任保险license bond执照保险life assured人寿保险投保人life expectancy平均余命life fund人寿保险基金life insurance人寿保险life insurance actuary人寿保险精算师life insurance reserve人寿保险责任准备金life Table生命表light damage轻度破坏limits投保限额line slips分保条liquidity support提供流动资金Lloyd劳合社loading附加费loading人寿保险附加费loss adjuster损失理算人loss occurrence损失发生loss occurring basis损失发生基础loss of profit利损险loss participation分担损失loss ratio损失率loss ratio赔付率loss settlement损失赔付保险英语词汇M保险英语词汇N保险英语词汇Oobject标的obligatory reinsurance固定分保ocean marine cargo clausesxx运输货物保险条款on deck risk舱面险open policy预约保险单open policy insurance预约保险original deductibles原始免赔额original rate原始费率over insurance超额保险overland （transportation）insurance陆上运输保险保险英语词汇P保险英语词汇Rrain insurance雨水保险rainstorm雨暴rate费率rating费率recovery追偿xxreinstate复效reinstated继单reinstatement恢复保额reinstatement value insurance重置价值保险reinsurance分保、再保险、转保reinsured分出公司reinsurer分保人（分保公司）、再保险人rejection risk拒收险renew coveragexx保renewalxx保；延期renewal premiumxx保费renewing coveragexx保reserve准备xxretention自留、自留额return period重现期revoke license吊销营业执照riot insurance骚乱保险risk险别、风险、保险，保险额risk carrier风险承担人risk covered承保险项risk insured承保险项risk management危险管理risk premium风险保费\风险贴水、风险溢价risk unit危险单位risks covered保险范围保险英语词汇Ssalvage charge救助费用salvage value残值，获救货物或船舶的价值second event cover第二事件承保set-off抵销settlement of claim理赔sickness insurance疾病保险social insurance社会保险solvency偿付能力solvency margin赔偿能力spread loss分散风险standing charges维持费用stop loss赔付率超赔sub-contractor分承包商subject insured风险标的subrogation center代位求偿权sue and labor expenses施救费用suicide clauses自杀条款sum insured保险金额、保额surplus insurance盈余保险survey at jetty risk码头检验险survey in customs riskxx检验险保险英语词汇Ttariff费率表tariff zone险区term insurance定期保险TG拐点周期the insured被保险人，受保人time policy定期保险单topographic map地形图total loss全部损失total sum insured总保额treaties business合同分保treaty reinsurance合约再保险treaty-limits合约限额turnover营业额保险英语词汇Uunder insurance低额保险underwriters保险商（指专保水险的保险商）、保险承运人、保险公司underwriting承保underwriting policy承保政策unvalued insurance不定值保险unvalued policy不定值保单utmost good faith最大诚信保险英语词汇V-ZVvalued insurance定值保险voluntary insurance自动保险Wwaiver and estoppels弃权与禁止反言windstorm风暴working cost营业费用working expenses营业费用writing承保written premiums承保保费11 / 11。
保險詞彙英中對照表Abandonment 委付Above Normal Loss 異常損失Absolute Assignment 自由讓與Absolute Liability 絕對責任Absolute Ownership 絕對所有權Abstract 摘要卡Accelerative Endowment 提前滿期Accelerated Option 提前滿期選擇權Accelerated Paid-up or Endowment 縮短繳費期間或提前滿期Acceptance 承諾Accepted Value 承諾價額Accepting Office 分進公司Accident 意外事故Accident Control or Prevention 意外事故控制或預防Accidental Death And Dismemberment Benefit 意外死亡及四肢缺失、視力喪失給付Accidental Death Benefit 意外死亡給付Accidental Death Insurance 意外傷害死亡保險Accident Frequency 意外事故發生頻率Accident Insurance 意外保險Accident Rate 事故率Accident Severity 意外事故損失幅度Accident Year Experience 事故年經驗Accommodation Business 融通業務Accommodation Risk 融通危險Account Premium Modification Plan 保險費調整計劃Accounts Receivable Insurance 應收帳款保險Act Insurance 政策性保險Accumulation System 定額保險費Actual Cash Policy 實際現金價值保險單Actual Cash Value 實際現金價值Actual Loss Ratio 實際損失率Actual Present Value 實際現值Actual Total Loss 實際全損Actuary 精算師Affirmative Warranty 認定保證Agency Department 展業部Agency Plant 代理系統Agent 代理人Agent Captive 專屬代理人Agent Expense 代理費用Agent General 總代理人Agent Independent 獨立代理人Agent Local 當地代理人Agent Policy-Writing 簽單代理人Agent Special 特約代理人Agent State 州代理人Agent's Authority 代理人權限Agent's Balance 代理人佣金Aggregate Annual Deductible 累積年自負額Aggregate Excess Of Loss Cover 累積超額賠款再保險Aggregate Limit 累積限額Agreed Value 約定價值Agricultural Insurance 農業保險Aleatory Contract 射倖契約Amount of Loss, Claim 保險金Assessment Method 不定額保險費Assignment Of Policy Clause 保險單轉讓條款Automatic Reinstatement Clause 保險金額自動恢復條款Automatic Sprinkler Leakage 自動消防裝置滲漏BBinder, Binding Slip 暫保單Blanket Policy 總拓保險契約Balance 餘額Balanced Security 平衡的安全Balance Sheet 資產負債表，平衡表Balance Sheet Reserve 退休金－平衡表準備金Balance Sheet Reserve Plan 退休金－平衡表準備金方式Bank Check Plan 鋃行帳戶轉帳繳納保費制度Bank Loan Insurance 銀行貸款保險Bankrupt 破產Bankruptcy 宣告破產Bank Trusteed Retirement Plan 銀行信託型退休計劃Base Pay 基本薪資Basic Hospitalization 基本住院給付保險Basic Premium 基本保費Basic Rate 基本費率Basic Split-dollar Plan 基本保費分擔計劃Before-tax Earnings 稅前所得Beneficial Interest 保險契約權益Beneficiary 保險受益人Breach Of Contract 違反契約條款Broker 保險經紀人Brokerage Agency 經紀人公司Brokerage Business 經紀人招攬契約Brokerage Department 經紀人部門Broker-Agent 經紀人代理店Burglary And Robbery Insurance 竊盜保險Burial Insurance 喪葬保險Business 保險契約Business Interruption Insurance 營業中斷保險Business Continuation Insurance 專業繼續保險Business Continuation Plan 事業繼續保險計劃Business Health Insurance 企業健康保險Business In Force 有效契約Business Liability Insurance 事業責任險Business Insurance 企業保險Business Life Insurance Trust 企業壽險信託Business Overhead Expense Insurance 事業經費保險Business Under Common Control 共管企業Buy Term And Invest The Difference Buy-Sell Agreement 經營權買賣協議Bilateral Contract 購買定期險與投資差額保費CCancelable 可終止保險單Cancellation 終止Capital Sum 最高給付金額Captive Insurance 專屬保險Cargo Insurance 貨物保險Cash Claim 現金賠款Cash Payment 現金給付Cash Value 現金價值Calendar Year Experience 曆年度經驗Calendar Year Major Medical Plan 曆年式高額醫療費用保險Call 招攬拜訪Canada Pension Plan 加拿大退休金計劃Cancelable Contract 可解除契約Cancellation 解約Canvassing Account 新契約保費帳戶Capacity 承保能力、最高承保限額Capital 資本Capital Assets 資本性資產Capital Budget 資本預算表Capital Charges 資金費用Capital Conservation Method 資金不動用方法Capital Expenditures 資本支出Capital Gain 資本利得稅Capital Goods 資本財Capitalization 現值化Capitalization of Interest 利息滾入本金Capitalization Rate 現值化利率Capital Loss 資本損失Capital Market 資金市場Capital Need Analysis 資金需求分析Capital Net Worth 資本淨值Capital Stock 股本Capital Stock Insurance Company 壽險股份有限公司Capital Sum 一次給付金Capital Utilization Method 資金利用法Captive Agent 專業外務員Career Agency 專業代理店Career Agent 專業外務員Career Average 服務期間平均薪津法Career Average Formula 服務期間平均薪津方式Career Path 專業外務員訓練課程Career Presentation 專業介紹Carrier 保險業者Carryback Period For Employer Contributions 僱主醵出金之後轉期間Carryback (Carryforward) Provision 後轉條款、前轉條款Carryover Basis 移轉稅基Cash Account (代理人) 現金帳Cash Assets 現金資產Cash Basis of Accounting 現金制會計Cash Equivalents 相等現金資金Cash Refund Annuity 現金立即償還年金Cash Surrender Value 解約退還金Cash Value 現金價值Cash Value Policy 有解約退還金保險Casualty Actuarial Society 美國災害保險精算學會Casualty Index 災害保險情報引得(索引)Casualty Insurance 災害保險Catastrophe 巨災Catastrophe Hazard 巨災危險Catastrophe Insurance 高額醫療費用保險Catastrophe Reinsurance 巨災再保險、異常災害再保險Ceding Commission 分保佣金Cede 分保Center of Influence 介紹準客戶之協力者Cedent 分保人Cession 分保單位Certificate Insurance 保險證Certificate of Authority 權限證書、營業許可書Certificate of Convenience 臨時執照Certified Employee Benefit Specialist 公認企業員工福利士Cestuique Trust (信託) 受益人Cestuique vie (泛指) 被保險人Change of Beneficiary Provision 變更受益人條款Change of Plan Provision 變更保險計劃條款Charitable Bequest 慈善遺贈Charitable Gift 慈善捐贈Contingency Reserve 危險準備金Charitable Trust 慈善信託Charter 營業狀、營業證書Chartered Financial Analyst 公認財務分析師Chartered Life Underwriter (CLU) 公認壽險師Capitalization Method 準備金提存方式Cheap Takeover 廉價接收Check-o-matic 銀行存款帳戶轉帳繳納保費制度Contract of Indemnity 損害賠償合約Child's Benefit 育兒給付Claim 請求給付保險金賠償Claimant 申請保險給付者Claim Reserve 理賠準備Class 同一危險集團Classification 危險等級集團分類Classified Insurance 缺陷體保險Classified Risk 缺陷體危險Class Rate 級別費率Clause 條款Clean-up Fund 善後清償基金Clearance Fund 善後清償基金Client 當事人、客戶Close 促成簽約Close Corporation 股票未上市公司Close Corporation Insurance 股票未上市公司事業保險Closed Contract of Insurance 不得變更保險契約Close-end Mutual FundClosed-end Investment Company 資本額固定之投資信託公司CLU 公認壽險師Coinsure 共同保險Cold Canvassing 直衝招攬Cold Leads 直衝招攬Collateral Assignment 擔保讓與Collateral Assignment Plan 擔保讓與保險計劃Collateral Bond 擔保債券Collateral Loan 擔保貸款Collection Book 收費帳簿Collection Fee 收費費用College of Insurance 保險大學College Retirement Equities Fund (CREF) 大專退休基金會Collegia (古羅馬) 互助協會Combination Agency 兼售普通壽險和簡易險代理店Combination Company 兼售普壽與簡易險公司Combination Funding Plan 壽險與年金混合契約Combination Plan 混合型退休金制度Combination Policy 組合保險Combined Annuity Mortality Table 綜合年金死亡表Combined Group 聯合企業集團Combined Sigle Limit 單一責任限額Commercial Bank 商業銀行Commercial Health Insurance 商業健康保險Commercial Inspection Report 商業調查報告Commercial Insurance 營利保險、商業健康保險Commercial Policy 商業健康保單Commercial Report 商業調查報告Commission 佣金Commission, Contingent 利益佣金Commissioner 州利益佣金Commissioner 州保險監督官Commissioners Disability Table 標準殘障表Commissioners 1941 Standard Ordinary Table 1941年普通保險監督官標準死亡表Commissioners 1958 Standard Ordinary Table 1958年普通保險監督官標準死亡表Commissioners Standard Industrial Mortality Table 1961 1961年簡易保險監督官標準死亡表Commissioners Values NAIC 有價證券價格Commission of Authority 委任狀Commissions, Graded 等級佣金Contract of Indemnity 損害補償契約Consequential loss Insurance 從屬損失保險Claim Reserve 賠款準備Classified Premium 分類保險費Coinsurance 共保Coinsurer 共保人Coinsurance Clause 共保條款Coinsurance Percentage 共保比例Collective Insurance 集合保險Compulsory Insurance 強制性保險Contract of Utmost Good Faith 誠信契約Contract of Consideration 有償契約Contribution Clause 賠款分擔條款Co-operative Insurance Society 保險合作社Crop Insurance 收穫保險Conditional Contract 附條件契約Contract of Adhesion 附合契約Conditional Contract 繼續契約Collective Insurance Contract 集合保險契約Constant Method 固定法Constraint and Percentage Method 固定與比例混合法Capitalization Method 準備金提存方式Contingency Reserve 危險準備金Ceding Commission 分保佣金DDate Of Expiration 到期日Date Of Grace 寬限到期日Date Of Inception Of The Policy 保險單起保日Date Of Issue 簽單日Date Of Policy 保險單生效日Date Of Subscription The Policy 保險單起迄日Date Of Grace 寬限期間Declaration Policy 陳報保險單Declination 拒保Deductible 自負額Deductible Clause 自負額條款Degree of Risk 危險程度Deposit Premium 預付保險費Double Insurance 複保險Data Interview 面談Date Of Expiration 終止(滿期) 日Date Of Issue 發單日Date Of Last Payment 最近一次保費應付日Date Of Maturity 滿期日Date Of Policy 契約生效日Date Of Grace 寬限到期日Death Benefit 死亡給付Death Benefit For Parents 雙親受領之死亡給付Death Claim 死亡給付請求EEndorsement 批單Earned Income 勤勞所得Earned Premium 經過保費Earnings 勤勞所得Economic Benefit 實質給付Economic Life Value 生命的經濟價值Educational Trust 教育資金信託Education Insurance 教育保險Effective Date 生效日Elective Benefits 選擇給付Elapsed Years 經過年數Elective Indemnities 選擇給付Eligibility Requirement 適格要件Eligible Employees 適格員工Eligible Expense 適格醫療費用Elimination Period 除去期間Emergency Accident Benefit 緊急處理給付Emergency Expense Benefits 緊急經費給付Emergency Fund 鰥緊急準備金Employee 從業員工individual, Owner-employee, Junior Partner, Common-law Employee. Employee Benefit Programs 員工福利給付計劃Employee Contribution 員工醵出金Employee Organization 從業員團體Employee Pension Benefit Plan 員工退休金給付計劃Employee Retirement Income Security Act 受雇人員退休所得保障法Employee Stock Ownership Plan 員工持有公司股退休年金制度Employee Stock Ownership Trust 員工持有公司股票信託Employees' Trust 員工信託Employee Welfare Benefit Plan 員工福利給付計劃Employer's Liability Insurance 僱主責任保險Employment Benefit Plan 雇用給付計劃Endless Chain Prospecting 連鎖式保戶開拓法Endorsement 批註(條款)Endow 滿期Endow At Age 100 百歲滿期Endowment 養老保險Endowment Amount 滿期保額Endowment At Age 65 65 歲滿期Endowment Insurance Policy 養老保險保單Endowment Policy 養老保險保單Enemy Alien 敵對國Enrollment Card 登記卡ENTAIL 限嗣繼承不動產Entire Contract Clause 完全契約條款Entirety, Estate By (夫妻) 聯合財產Entity Plan 共同經營法人保險Entry Age Normal 普通加入年齡Entry Age Normal Method 普通加入年齡式退休金成本計算法Equity 純資產Equity 公平性Equity 衡平法Equity 持分Equity Annuity 變額年金Equity, Estimated Total 估計總淨值Equity Linked 變額Equity Rate 變動費率Equity Value Holding 變額性投資ＥRISA 受雇人員退休所得保障法Estate Planning 遺產設計Estate Protection 財產保全Estate Settlement 遺產分配Estate Shrinkage 遺產滅損Estate Tax 遺產稅Estate Transfer 財產移轉Estimated Premium 臨時保費Estimated Total Equity 估計總淨值Evidence Of Insurability 可保性證明Exact Date Of Exhaust 耗竭日Exact Interest 實計利息Examination 體檢Examination Under Oath 切結給付條款Examined Business 已體檢契約Examiner 體檢醫生Examiner 稽查Expected Period 除外期間Exception Of Proceeds Provision 保險金支付禁止規定Excess Arrears 逾期滯繳Excess Compensation 超額補償Excess Contribution 超額醵出金Excess Cover For Catastrophe 巨災超額賠款再保險Excess Initial Expense 初年度超額費手Excess Insurance 超額保險Excess Interest 超額利息Excess Limit 超過限定額Excess Line Broker 超額保險經紀人Excess Of Loss Reinsurance 超額再保Excess Plan 額外退休計劃Excluded Period 除外期間Exclusion 免責條款Exclusion Allowance 寬減額Exclusion Clause 除外條款Exclusion Ratio 寬減率Exclusive Agency System 專屬代理店制度Exclusive Agent 專任外務員Executed Contract 已履行契約Executed Trust 已設定信託Executor 遺囑執行人Executory Contract 未經履行契約Executory Trust 未設定信託Exemption Of Proceeds Provision 保險金債務豁免條款Exempt Pension Trust 免稅退休金信託Ex Gratia Payment 慰問給付Exhaust Loan 超過解約退還金的貸款Exhibit 明細表Expectancy Policy 平均餘命保險Expectancy Policy 妊娠定期健康保險Expectation Of Life 平均餘命Expected Mortality 預定死亡率Expenditure, Capital 資本支出Expense 營業費用Expense Allowance 費用補助Expense Factor 費用要素Expense Loading 附加保險費Expense Of Management 經營費用Expense Ratio 費用率Expense reimbursement allowance 經費支出補助Expense Reserve 經費準備金Expense Incurred 發生經費Expense Paid 費用支出Experience 經驗Experience And Service Table 從業員在職存經驗表Express Conditions 明示條款External Coinsurance 對外共同保險Excess Coverage 超額賠償責任Extended Cov 火災保險附加險Export Insurance 輸出保險Extra Charges 額外費用Expected Morbidity 預定罹病率Expense Constant 定額附加保費FFull Value Insurance 足額保險Facultative Certificate Of Reinsurance 臨時再保險證明書Facultative Obligatory Treaty 臨時拘束性合約再保險Fallen Building Clause 建築物傾倒條款Falling Aircraft&Vehicle Impact Form 航空器墜落、機動車輛碰撞保險Family Automobile Policy 家用汽車保險單Fidelity Insurance Clause 員工誠實保險條款Fiduciary Bond 受託保證保險Financial Responsibility Law 財務責任法Fine Arts Floaters 藝術品流動保險Fire 火災Fire Friendly 善火Fire Hostile 惡火Fire Insurance 火災保險Fire Wall 防火牆First Loss Insurance 損失優先賠付保險First arty Insurance 第一者保險Flat Rate 毛費率；判斷費率Floaters 流動保險Floating Policy 流動保險單Floating Stock 流動貨物Floor Plan Insurance 墊款銷售保險F.O.B. Plane 飛機上交貨價F.O.B. Train 火車上交貨價F.O.B. Truck 卡車上交貨價Forwarding Charge Clause 轉運費用條款Formal Contract 要式契約Foul Bill Of Lading 不潔提單Franchise Clause 起賠額條款Free Of Claim For Accident Reported 已知事故免責Free Of Particular Average Clauses, F.P.A. Clauses 平安險條款Free On Board, F.O.B. 船上交貨價Freight Abandonment Clauses 不要求運費條款Freight Waiver Clause 放棄運費條款Full Conditions 完全條件Full Reporting Clause 據實申報條款Full Value Insurance 足額保險Funds Held By Ceding Companies 存出再保責任準備Furrier's Customer's Insurance 皮貨商顧客保險Formal Contract 要式契約Fire Damage 火災損害Finish Stock 製程品存貨Fraudulent Misrepresentation 詐欺First Loss Insurance Clause 實損實賠保險條款General Agency 總代理店General Agency System 總代理店制度General Agent 總代理人General Condition 基本條款GAMS 區域總代理人與外勤經理協會General Market 一般市場General Operating Expenses 總營業費用General Partnership 普通合夥General Power Of Appointment 普通指定權Geographical limitations 地區限制Gift 贈與Gift Causa Mortis 死因贈與Gift Inter Vivos 生前贈與Gift Of Future Interest 遠期贈與Gift Tax Credit 贈與稅扣除額Gift Tax Marital Deduction 贈與稅配偶扣除額Gimmicks 花招Give 贈予Goodwill 商譽Government Benefit Plans 政府給付計劃Grace Period 寬限期間Graded Death Benefits 階段式死亡給付、削滅死亡給付Graded Premium Lift Insurance 階段式繳費保險Graded Vesting 賦予等級受領權Grant 讓與Grantee 受讓人Grantor 讓與人Gropsack General Agent 普通流動性業務員Gross cost 總成本Gross Earning 毛收入Gross Estate 總遺產Gross Line 總危險額Gross Net Premium 純總保費Gross Premium Valuation 營業保費評價法Gross Rates 營業保險費費率HHazard 危險Hazard, Moral 道德危險Head Office 總公司Head Of House 扶養人Head Start Fund 提早開始基金Health And Accident Underwriters Conference 健康意外保險人協會Health Certificate 健康聲明書Health Insurance 健康保險Health Insurance Association Of America 美國健康保險協會Health Insurance Benefits 健康保險給付Health Insurance Classifications 健康保險種類Health Insurance, Group 團體健康保險Health Insurance Institute 健康保險研究所Health Insurance Quality Award 健康保險繼續率優良獎Health Maintenance Organization (HMO) 保健組織Health Plans, Corporate 企業健康保險計劃Health Policy 健康保險Health Systems Agencies 健診儀器諮詢會Heir 繼承人Held In Trust 託管信託Hereditaments 繼承財產Highest And Best Use Value 最高利用價值High-Pressure Selling 強迫招攬High Risk 高風險體HMO 保險組織Home Insurance 住宅保險Home Office 總公司Home Office Life Underwriter Association 總公司核保人協會Honesty Clause 誠信條款Honorable Undertaking 互信契約Honoring 按時履行義務，兌現Hospital Benefit 住院給付Hospital Expense Insurance 住院費用保險Hospital Income Insurance 住院所得保險Hospital Indemnities 住院補償Hospitalization Insurance 住院保險Hospitalization Policy 住院保險Hospital Miscellaneous Benefits 住院雜項費用給付Hospital Room Benefits 病房費用給付Hospital/Surgical (Expense) Insurance 住院及外科手術保險Hour Of Service 服務時數House Confinement Clause 在家療養條款Household 家HR-10 Plan 參見Human Depreciation Concept 人員折耗論IIndividual, Owner-employee, Junior partner, Common-law Employee. Employee Benefit Programs 員工福利給付計劃Identification Clause 身份確認給付條款Illegal Holding Of Premiums 保費非法處置、保費流用Illness Frequency Rate 罹病頻率Illness Severity Rate 疾病強度率Impersonal Contract 非對人契約Immediate Annuity 即時付年金Immediate Estate 立即遺產Immediate Life Annuity 即時付生存年金Immediate Participation Guarantee Plan 直接參加保證給付式團體年金Immediate Vesting 立即受領權Impaired Capital 資本減損Impaired Risk 弱體Impairment 缺陷、弱體狀況Impairment Of Capital 資本減損Imperfect Trust 不完全信託Implied Consent 暗示同意Implied Contract 默示契約Implied Trust 暗示信託Implied Warranty 暗示擔保Inadmitted Asset 未認可資產Incidental Life Insurance Protection 附帶的壽險保障Incidents Of Ownership (保單) 所有權之附帶權利Includible Compensation 可包括薪Income 收入Income Bond 退休年金Income Continuation Agreement 所得繼續協定Income, Earned 勤勞所得Income-Earning ability 所得能力Income Fixed 定額所得Income Insurance 年金保險Income Policy 年金保險Income Protection 殘疾所得補償保險Income Provider Plans 家庭扶養年金保險Income Settlement Options 年金式保險金給付選擇權Income Statement 損益表Incompetent 公司的財務營運，將公司某一段期間的收入和費用列入予以結算的財務報表。
保险术语1.special premium rate 特殊费率2.valuation net premium 评估净保费3.gross premium reserve 毛保费准备金（基于毛保费计提的准备金）4.guaranteed interest rate reserve 保证利率准备金5.indirect claim expense 间接理赔费用（无法直接确认到每个赔案的理赔费用）6.direct claim expense 直接理赔费用（可以直接确认到每个赔案、与案件理赔直接相关的费用）7.average payment per claim案均赔款8.eligible turnover 适保出口额（适用保单条款的出口金额）9.underwriter 核保人10.totally permanent disability rate 高残率11.survival rate 生存率12.basic sum insured 基本保额13.limit of indemnity 责任限额14.pure risk premium 纯风险保费15.extra health premium 健康加费16.extra occupation-related premium 职业加费17.other extra premium 其他加费18.premium due date 保费应收日期st premium payment year 终止缴费年度20.receivable premium overdue 逾期应收保费21.initial premium 首期保费22.premium for investment-linked product 投资型保险保费23.loan premium 垫缴保费24.effective time of policy; insurance liability attachment time 保单起保时间25.terminal time of policy 保单终止时间26.short term premium rate 短期费率27.reinstatement period 复效期间28.reinstatement rate 复效利息29.account value 账户价值30.guaranteed yield 保证收益31.coupon 生存现金32.corporate annuity plan period 企业年金计划受托期限33.claim waiting period 赔偿等待期34.claim case cancellation reason 案件注销原因35.claim settlement process 理赔36.direct claim payment amount 直接赔款37.claims payable 应付赔款38.policy benefit payment 保单利益支出金额39.guaranteed annuity drawing period 保证领取年限（养老保险合同中规定可以领取养老金的最低保证年限）40.premium retained 自留保费41.claim retained 自留赔款42.minimum reinsured amount 最低分出额43.final reinsurer 最终接受人44.fixed reinsurance commission rate 固定分保手续费的比率45.subsequent commission 续期手续费46.extractable commission 可提佣金mission share 佣金拆分48.units insured 承保数量49.actual premium collected 实收签单保费50.fixed-amount annuity 定额年金51.variable-amount annuity 变额年金52.increasing-amount annuity 增额年金53.waiting period 等待期54.extra premium; additional premium 额外保险费55.premium loading 保单加费56.premium receivable 应收保费57.dividend accumulation interest rate 红利累积利率58.renewal commission RYC 续年度佣金。
保险英语词汇Aabandonment 委付abandonment clause 委付条款accident 意外事故accounting period 结算期act of god 不可抗力actual total loss 实际全损actuarial method 精算法actuary 保险精算师additional premium 附加保险费additional risk 附加险advance profit 预期利润aggregate limit 累积限额aggregated loss 累积损失all-risks policy 一切险保单antis election 逆选择applicant 投保人application 投保单approved 承保assignment clause 转让条款average 海损、海损分摊average adjuster 海损理算人average clause 共同海损分担条款保险英语词汇Bbalance 所欠款项beneficiary 受益人binder 暂保单binding slip 暂保单breakage of packing 包装破碎险保险英语词汇Cbroker 经纪人capacity 承保能力captive 自保公司captive pools 自保组合cargo damage adjustment 货损理算cargo damage inspection 货损检验cargo damage prevention 货损预防cargo damage report 货损报告cargo damage survey 货损检查，货物损坏检验cargo insurance premium 货物保险费cargo insurance rate 货物保险费率cargo insurer 货物承保人cargo policy 货物保单，货物保险单cargo premium 货运保险费，货物保险费cargo underwriter 货物保险承保人（商），货险承保人，货物承保人cash loss 现金赔款cash value 现金价值catastrophe 巨灾catastrophe excess of loss（CXL）巨灾超赔\巨灾超赔分保categories of insurance 保险类别ceding company 分出公司ceding(insurance)company 分保公司ceding, retrocession(for reinsurance) 分保certificate of cargo damage 货损证明certificate of insurance 保险证明、保险凭证- 1 -cession limit 分保限额China Insurance Clause (CIC) 中国保险条款claim 索赔claim assessor 索赔人claim settlement 理赔claim-prone 容易出险claims and arbitration 索赔与仲裁claims assistance 理赔协助clash and breakage 碰损，破碎险clean cut 结清方式coinsurance 共保co-insurance 共同保险co-insurance company 共同保险公司combined ratio 综合赔付率commencement and termination 起讫concurrent insurance 同时保险consequential loss (CL) 后果损失constructive total loss 推定全损contingent liquidity 或有流动性continued insurance 继续保险co-related risks 关联风险cover 承保、责任额cover note 保险证明书,承保单，保险证明cover note 暂保单（证明同意承保的临时文件）coverage 受保范围保险英语词汇Ddamage 损坏赔偿金damage cargo clerk 理残员，货损管理员damage cargo list 货损单，残货单damage certificate 损坏证明书damage claim 损坏索赔damaged by other cargo 由其他货物损害damaged cargo list 受损货物单damaged cargo report 受损货物报告书，货物损害报告deductibles 免赔额deposit premium 预付保费destroyed 毁坏disbursement policy (船舶)驶费保险单dividend system 红利制度double insurance 双保险dual valuation clause 双重价值条款保险英语词汇Eemployer 业主Endorsement 批单endorsement: 签注endowment insurance 养老保险endowment policy 人寿定期保险单event limit 事件限额ex gratia payments 通融赔款excess loss 超额赔款excess of loss cover 超额赔偿excess of loss（XL) 超赔分保exclusion 除外责任EXL protection 超赔保障exposed areas 风险承受区域- 2 -exposure rating 风险评估extended-term insurance 过期保险extra charges 额外费用extra premium 额外保险费extraneous risks (additional risks) 附加险保险英语词汇Ffacultative business 临分保facultative reinsurance 临时分保fault liability 过失责任financial quota shares 成数分保fine print 细则finite risk 有限制的风险finite risk transfer 有限风险转移floating policy 浮动保险单franchise (deductible) 免赔额；免赔率free of all average (FAA) 全损赔偿freight insurance 运费保险freight policy 运费保险单full coverage 全额承保full insurance 全额保险full insurance value 足额保险价值full liability 全部责任保险英语词汇Ggeneral average（GA）共同海损grace period 宽限期gross net premium income（GNPI）总净保费收入group insurance 团体保险guarantee of insurance 保险担保书保险英语词汇Hhazard 危险因素health insurance 疾病保险，健康保险heavy damage 严重破坏holistic risk transfer 整体风险转移hook damage 勾（钩）损险hour clause 小时条款保险英语词汇IIBRN reserve 已发生但未报的损失储备金，IBRN储备金import cargo insurance 进口货物保险increased value clause 增值条款increased value insurance 增值保险increasing coverage, extending coverage 加保Incurred but not reported losses(IBRN) 已发生但未报的损失indemnity limit 赔偿期限indemnity period 赔偿期individual losses 单一损失industrial insurance 产业保险inflated claim 超额索赔inherent nature of cargo 货物的固有性inherent vice 内在缺陷inherent vice of cargo 货物固有缺陷inspection of cargo 积货鉴定，货物检验，检查货物- 3 -inspection of cargo GA or PA 海损(单独海损或共同海损)鉴定inspection on damaged cargo 货物残损检验installment insurance 分期付款保险Institute Cargo Clauses (ICC，I.C.C.) 协会货物（保险）条款insurability 可保性insurance 保险，保险费，保险金额insurance act 保险条例insurance against risk 保险insurance agent(s) 保险代理，保险代理人insurance amount 保险金额\保险额insurance applicant 投保人insurance assessor 保险公估人insurance broker 保险经纪人insurance business 保险企业\保险业insurance capacity 承保能力insurance certificate 保险凭证\保险证书insurance claim 保险索赔insurance clause 保险条款insurance commission 保险佣金insurance company 保险公司insurance conditions 保险条件\保险契约约定条款insurance contract 保险合同insurance corporation 保险公司insurance coverage 保险范围，保额insurance declaration sheet(bordereau) 保险申报单(明细表) insurance division 保险部insurance document 保险单据insurance expense 保险费insurance fond 保险基金insurance industry 保险业insurance instruction 投保通知，投保须知insurance law 保险法insurance on last survivor 长寿保险insurance period 保险期限insurance policy 保险单\保单insurance premium 保险费insurance proceeds 保险金（保险收入）,保险赔偿金，保险赔款insurance rate 保险费率表insurance securitization 保险证券化insurance slip 投保单\投保申请书insurance subject 保险标的insurance treaty 保险合同insurance underwriter 保险承保人insurance value(insurance amount) 保险金额insurant 被保险人，受保人insure 保险、投保、保证insured 被保险人insured amount 保险金额insured loss 保险损失insured property 参保物业Insured Value 保险价值insurer 保险人、保险公司，保险商insurer (underwriter) 承保人、保险人investment insurance 投资保险保险英语词汇J-LJjettison 投弃- 4 -Llaw of insurance 保险法law of large numbers 大数法则leaflet 说明书less exposed 损失可能性小letter of guarantee 保函，保证书liability 责任liability insurance 责任保险license bond 执照保险life assured 人寿保险投保人life expectancy 平均余命life fund 人寿保险基金life insurance 人寿保险life insurance actuary 人寿保险精算师life insurance reserve 人寿保险责任准备金life Table 生命表light damage 轻度破坏limits 投保限额line slips 分保条liquidity support 提供流动资金Lloyd 劳合社loading 附加费loading 人寿保险附加费loss adjuster 损失理算人loss occurrence 损失发生loss occurring basis 损失发生基础loss of profit 利损险loss participation 分担损失loss ratio 损失率loss ratio 赔付率loss settlement 损失赔付保险英语词汇Mmail contractor 承包商main risks 主险maintenance 保证期malicious damage 恶意损害marine insurance 海上运输保险，水险marine losses 海损medical insurance 医疗保险mortality tables 死亡率表（用于计算保险风险）multiple claim 多次（重复）索赔multiple insurance 重复保险mutual insurance 相互保险mutual insurance company 相互保险公司保险英语词汇NNatCat pooling 自然灾害共保natural catastrophe（NatCat）自然灾害natural premium 自然纯保费net retained lines 净自留额net retained losses 损失净自赔额no profit commission 无纯益风险no-claims bonus 无索偿奖金non-life 非寿险non-proportional reinsurance 非比例再保险notification 告知- 5 -保险英语词汇Oobject 标的obligatory reinsurance 固定分保ocean marine cargo clauses 海洋运输货物保险条款on deck risk 舱面险open policy 预约保险单open policy insurance 预约保险original deductibles 原始免赔额original rate 原始费率over insurance 超额保险overland （transportation）insurance 陆上运输保险保险英语词汇Pparcel post insurance 邮包运输保险partial loss 部分损失particular average (PA) 单独海损peril 危险、危险事故perils of the sea 海上风险permit bond 许可证保险placement 安排policy 保单、保险单、保险契约policy holder 保险客户\保险单持有人policy package 承保多项内容的保险单policy proof of interest 保险单权益证明policy reserves 保险单责任准备金policy-holder 保险客户policyholder 保单持有者policy-holder 保险客户pool 共保组合、合保pool 联营pool administrator 共保组合管理人portfolio entry 未满期责任的出帐portfolio outgo 未满期责任的入帐possible maximum loss（PML）可能最大损失post-financing 后融资post-funding 后融资pre-financing 先融资pre-funding 先融资premium 保险费premium rate 保险费率premium rebate 保险费回扣previous losses 既往损失primary insurance company 原保公司、主保险商principal 业主principle of compensation 补偿原则priority 分保自留额、自付责任priority (deductible) 优先（免赔额)proceeds 收益professional 专业险profit margin 利润边际property 财产险property covered 受保财产property insurance 财产保险proportional cover 比例分保proportional reinsurance 比例再保险proximate cause 近因- 6 -punitive damage 惩罚性损害pure endowments 定期生存保险pure risk 纯粹危险保险英语词汇Rrain insurance 雨水保险rainstorm 雨暴rate 费率rating 费率recovery 追偿金reinstate 复效reinstated 继单reinstatement 恢复保额reinstatement value insurance 重置价值保险reinsurance 分保、再保险、转保reinsured 分出公司reinsurer 分保人（分保公司）、再保险人rejection risk 拒收险renew coverage 续保renewal 续保；延期renewal premium 续保费renewing coverage 续保reserve 准备金retention 自留、自留额return period 重现期revoke license 吊销营业执照riot insurance 骚乱保险risk 险别、风险、保险，保险额risk carrier 风险承担人risk covered 承保险项risk insured 承保险项risk management 危险管理risk premium 风险保费\风险贴水、风险溢价risk unit 危险单位risks covered 保险范围保险英语词汇Ssalvage charge 救助费用salvage value 残值，获救货物或船舶的价值second event cover 第二事件承保set-off 抵销settlement of claim 理赔sickness insurance 疾病保险social insurance 社会保险solvency 偿付能力solvency margin 赔偿能力spread loss 分散风险standing charges 维持费用stop loss 赔付率超赔sub-contractor 分承包商subject insured 风险标的subrogation center 代位求偿权sue and labor expenses 施救费用suicide clauses 自杀条款sum insured 保险金额、保额surplus insurance 盈余保险- 7 -survey at jetty risk 码头检验险survey in customs risk 海关检验险保险英语词汇Ttariff 费率表tariff zone 险区term insurance 定期保险TG 拐点周期the insured 被保险人，受保人time policy 定期保险单topographic map 地形图total loss 全部损失total sum insured 总保额treaties business 合同分保treaty reinsurance 合约再保险treaty-limits 合约限额turnover 营业额保险英语词汇Uunder insurance 低额保险underwriters 保险商（指专保水险的保险商）、保险承运人、保险公司underwriting 承保underwriting policy 承保政策unvalued insurance 不定值保险unvalued policy 不定值保单utmost good faith 最大诚信保险英语词汇V-ZVvalued insurance 定值保险voluntary insurance 自动保险Wwaiver and estelle 弃权与禁止反言windstorm 风暴working cost 营业费用working expenses 营业费用writing 承保written premiums 承保保费保险英语缩写语1ALOPAdvance Loss Profits预期利润损失险，利损险ARTAlternative Risk Transfer新型风险转移BIBusiness Interruption Insurance 营业中断险CARconstruction all risks建筑工程一切险（建工险）CICChina Insurance Clause中国保险条款CLConsequential Loss 后果损失CXLcatastrophe excess of loss巨灾超赔分保EARErection All Risks 安装工程一切险（安工险）EEI Electronic Equipment Insurance电子设备险F.A.A.free of all average一切海损不赔险\全损赔偿f.g.a./faafree of general average共同海损不赔险F.O.D.free of damage损坏不赔F.P.A./FPAinsurance free of (from) particular average平安险（单独海损不赔）- 8 -F.R.E.C.Fire Risk Extension Clause For Storage of Cargo at Destination HongKong, Including Kowloon ,or Macao出口货物到香港（包括九龙在内）或澳门存仓火险责任扩展条款F.W.R.D.rain fresh water damage Risk淡水雨淋险FCSR & CCfree of capture, seizure, riots and civil commotions掳获,捕捉,暴动和内乱不赔险FPAfree from particular average 平安险G.A./GAgeneral average共同海损(保)G.A.A.general average agreement (bond)共同海损协议(合同)G.A.C.general average contribution共同海损分摊额(保)GNPIGross Net Premium Income总净保费收入I.P.A.including particular average包括单独海损(保)IBRNIncurred but not reported losses已发生但未报的损失ICCInstitute Cargo Clauses, London伦敦协会货物条款(保险)IWLinstitute warranty limits (伦敦保险人)协会保证航行范围l.& d.loss and damage损失与残损L/ALloyd's agent劳埃德保险公司代理人,劳埃德船级社代理人Lkg/Bkgleakage & breakage漏损与破损LOIletter of indemnity保函，也称损害赔偿保证书mscamissing cargo灭失货物NatCatNatural Catastrophe自然灾害保险英语缩写语2O.R.owner's risk船舶所有人或货主承担风险O.R.B.owner's risk of breakage破损风险由货主承担O.R.D.owner's risk of damage损失风险由货主承担O.R.F.owner's risk of fire火灾风险由货主承担P. chgsparticular charges特别费用(保)P.& I. clauseprotection and indemnity clause保护和赔偿条款P.& I. club Protection and Indemnity club （Association）船东保赔协会P.L.partial loss部分损失(保)PAparticular average单独海损Pandi clubProtection and Indemnity club船东保赔协会payt.payment支付,赔偿PICCPeople's Insurance Company of China 中国人民保险公司PICC RePeople's Insurance Company of China Re中国人民保险公司再保险公司PMLpossible maximum loss可能最大损失PTLpartial total loss部分和全部损失PTND，P.T.N.D.theft, pilferage and non-delivery偷窃、提货不着险S.P.A.subject to particular average平均分担单独海损SRCC/ S.R.C.C.insurance against strike, riot and civil commotion 罢工，暴动，民变险TG 拐点周期TLO/T.L.O.insurance against total loss only 全损险TPLThird Party Liability第三者责任险TRNDrisk of theft, pilferage and non-delivery 盗窃提货不着险U/wunderwriter保险人WA, WPAinsurance with particular average水渍险/一切险(承保单独海损)XLexcess of loss 超赔分保保险英语短语"major medical" insurance policy 巨额医药费保险Alternative Risk Transfer（ART) 新型风险转移American cargo war risk reinsurance exchange 美国货物战争险再保兑换Amount for General Average Sacrifice of Cargo 货物共同海损牺牲金额Automatic Premium Loan 自动垫交保险费贷款Broken and Damaged Cargo List 货物残损单- 9 -Cargo Loss Prevention Committee 货物损失保险委员会cargo proportion of general average 共同海损货物分摊额certificate on damaged cargo 验残证书，残损货物检验证书Commencement and Termination of Cargo Insurance 货物保险期限Contributory Value of Cargo 货物共同海损分摊价值covering all eventual risks 投保一切以外风险covering all marine risks 投保一切海运风险Exclusive Liability of Cargo Transportation Insurance 货物运输保险除外责任free of particular average (FPA) 单独海损不赔General Average Contribution Due to Cargo 货物共同海损分摊金额General Average Sacrifice of Cargo 货物共同海损牺牲Incurred but not reported losses（IBRN）已发生但未报的损失Inspection Certificate of Cargo GA or PA 海损鉴定证书inspection certificate on damaged cargo 残损货物检验证书Insurance Protection Fond 保险保障基金outstanding claim reserve 未决索赔准备金Outstanding Loss Reserve 未决赔款准备金report of cargo damage survey 货物损害鉴定书susceptibility of goods to water 易受水浸性the People's Insurance Company of China 中国人民保险公司the stipulations for insurance 保险条款To Cancel 退保To Cover 承保to cover (effect, arrange, take out) insurance 投保to have a health insurance policy 购买健康保险to provide the insurance 为…提供保险to purchase health insurance 购买健康保险Unearned Premium Reserve 未到期责任准备金保险英语句子1（1）Mr. Zhang met Mr. William in the office of the People' Insurance Company of China.张先生在中国人民保险公司的办公室接待了威廉先生。
A New English-Chinese Dictionary Of Insurance最新实用英汉保险词典目录词典正文附录一世界部分保险机构附录二各国或地区货币名称附录三时差表中文索引词典正文A aaccidental death benefit 意外死亡赔偿A rate A费率A&I = accident and indemnity事故与赔偿A&S = accident and sickness insurance意外伤害和疾病保险A.R.; A/R = all risks 1.综合险2. 全险AABD = aid to the aged, blind, and disabled对老年人、盲人和残疾人的救济AAI = accredited adviser in insurance许可保险顾问AAM = Associate in Automation Man- agement自动化管理准会员AAR = against all risks一切险,全险Abandoned merchandize无主货物abandonee受委托的承险人(在海运保险中受保险人委托处理海损财物的保险人) abandonment委付abandonment clause委付条款abandonment cost (水险中的)委付费用abandonment of claim放弃索赔abandonment of right放弃权利abandonment policy取消损失保险保单abatement减免abnormal risk特殊风险above normal loss超常损失abridged life table简易生命表abridgement of damage减少损害赔偿金absolute完全或最终的无条件的裁决absolute assignment绝对委托absolute beneficiary绝对受益人absolute ceiling franchise绝对免赔限度absolute cover绝对保险额absolute deductible franchise rate绝对免赔率absolute liability绝对赔偿责任absolute ownership绝对所有权absolute privilege绝对特权absolute term 1. 绝对期限2.绝对条款absolute total loss绝对损失, 绝对全损abstract摘要卡abuse of process程序滥用abutting coverage 1. 连续保障2.邻期保险单AC = accident意外事故ACA = Associate of Conference of Ac- tuaries in PublicPractice美国赔偿协会准会员ACAS = Associate of Casualty Actuar- ial Society意外精算学会准会员accelerated benefits提前给付(寿险保单附加条款)accelerated endowment加速满期accelerated option加速满期选择权accelerated paid-up or endowment缩短缴费期限或加速满期acceleration clause加速条款acceleration life insurance 1.加速寿险2. 寿险提前给付accelerative endowment加速型两全寿险accept承诺accept a claim接受索赔accept a commission接受委托acceptance承诺accepted reinsurance分入接受再保险accepted value承诺价值accepting office分入公司accession 1. 取得2. 增加accession clause附加条款accessory contract附加合同accessory document附属单据accessory expenses附加费用accessory risk附加险accident意外事故accident and health insurance意外伤害和健康保险accident and indemnity事故与赔偿accident and sickness insurance意外伤害和疾病保险accident beyond control无法控制的意外事故accident control or prevention意外事故控制或防避accident costs事故费用accident damage意外损坏accident data recorder事故资料记录器accident death benefit人寿保险的意外死亡双重赔偿条款accident death insurance意外死亡保险accident frequency意外事故发生率accident frequency rate意外事故发生率accident in handling装卸意外事故accident in shipping装运意外事故accident in stock存仓意外事故accident in transit途中意外事故accident in warehouse仓储意外事故accident insurance意外保险accident policy意外险保单accident prevention事故预防accident rate意外事故率accident report意外报告, 事故报告accident report form意外事故报告单accident severity意外事故强度accident severity rate意外事故强度率accident year事故年accident year experience事故年记录accident year statistics年度意外事故统计资料accidental average意外海损accidental bodily injury意外身体伤害accidental cause意外原因accidental cost意外费用accidental damage意外损失accidental death意外死亡accidental death and dismemberment意外死亡和残疾accidental death and dismemberment benefit意外死亡和断肢结付accidental death and dismemberment insurance意外伤亡和残疾保险accidental death and dismemberment rider意外死亡和断肢附加条款accidental death benefit意外死亡保险金accidental death benefit rideraccidental death benefit rider意外死亡给付附加条款accidental death clause意外死亡保险条款accidental death insurance意外死亡保险accidental dismemberment意外残废accidental force不可抗拒力accidental loss意外损失accidental means突发原因accidental means (death by)意外原因死亡accidental means death benefits意外原因死亡保险accidental way damage途中意外损坏accidents liability insurance意外事故责任保险accidents receivable insurance应收款项保险accommodation融通accommodation line融通业务accommodation party票据融通人accord and satisfaction调解account账务account analysis账务分析account and risk账务和风险account current会计月报告account payable应付账款account receivable应收账款account selling账目销售accountant liability insurance会计师责任保险accountant professional liability in- surance会计师职业责任保险accounting会计accounts receivable bond应收账款担保书accounts receivable insurance应收账款保险accounts receivable policy应收账款保险单accredited adviser in insurance许可保险顾问, 资格保险顾问accrual basis of accounting权责发生会计制accrual of benefits (pension plans)累积保险金(养老金计划) accrued benefit应计给付额accrued benefit cost method应计给付额退休金成本法accrued depreciation应计折旧accumulated dividends累积红利accumulation累积增额给付accumulation at interest dividend option红利累积选择权accumulation benefit累积给付accumulation clause累积给付条款accumulation period累积期间accumulation policy累积给付保单acid and chemical damage policy化学侵蚀保险ACII英国特许保险学会准会员acknowledgement of insurance dec- laration投保声明的回执acquisition agent缔结保险合同代理人acquisition cost 1.展业费2. 新合同成本ACRS加速费用恢复系统act of carriage of goods by sea海上货运条款act of God不可抗力active life reserve生存者责任准备金active trust积极信托actively employed身体合格雇员, 在职雇员activities of daily living日常活动能力actual cash value实际现金价值actual cash value policy实际现金价值保险actual dividends实得红利actual loss rate实际损失率actual present value实际现值actual total loss实际全损actuarial保险统计, 精算actuarial assumption精算假设actuarial basis保险统计计算标准actuarial consultant精算顾问actuarial cost精算成本actuarial cost method精算成本法actuarial evaluation精算估值actuarial experience gains or losses精算损益actuarial liability精算负债actuarial method保险统计法actuarial present value精算现值actuarial rate精算费率actuarial report精算报告actuarial return精算收益率actuarial revaluation gains or losses精算重估损益actuarial science保险统计计算科学actuarial valuation精算评估actuarially reduced annuity精算减额年金actuarially sound安全精算actuary 1.精算师2. 保险统计员actuary enrolled注册精算师ad damnum索赔金额ad valorem duty从价课税AD&D = accidental death and dis- membermentrider意外死亡和断肢附加条款ADB = accidental death benefit意外死亡保险金addendum附约addendum clause条件条款additional call追加保险费additional death benefit附加死亡给付additional expense insurance追加费用保险additional expense-strike罢工险额外费用保险additional expense-war risk战争险附加费用additional extended coverage追加保险additional insurance附加保险additional insured附加被保险人additional liabilities for accidental injury to passenger旅客意外伤害保险额外责任additional optional policy附加的可选择保单additional premium 1.附加保费2. 追加保险费additional provisions追加条款additional reserve for guaranteed re- newable policies续保保单的追加准备金additional term insurance dividend option附加定期保险的红利选择权adequate consideration充分对价adhesion contract附合式合同adhesion insurance contract合意保险合同adjustable life insurance可调整年金保险adjustable premium可调整保费adjusted earnings调整后收益aggregate products liabilityadjusted gross estate调整后总遗产adjusted net gain from operations调整后的经营净收益adjusted net worth调整后净值adjusted premium method调整保费法adjusted taxable gifts调整后应纳税的捐赠adjuster 1. 仲裁人2. (保险公司的)理算员adjustment理算adjustment bureau仲裁机构adjustment coefficient调节系数adjustment expenses理算费用adjustment income调整性收入adjustment of transport loss运输损失的理算adjustment period调整期间adjustment premium经调整的保险费ADL = activities of daily living日常活动能力adminicular evidence辅助证据administer claim解决索赔案件administration bond行政担保administration expenses遗产管理费用administrator遗嘱管理人administrator (pension plan)退休金计划管理人administrator’s deed管理人证书admiralty海事admiralty bond航海保证金admiralty court海事法庭admiralty liability海事责任admitted assets认可资产admitted insurer准允营业的保险人admitted liability 1.公认责任2. 强制责任adult day care成年人全天监护advance discounting for mortality (退休金)预先死亡扣除advance discounting for severance (退休金)提前离职扣除advanced funded pension policy提前筹资的退休年金保险advanced funding提前筹资advanced life and health insurance高级人寿及健康保险advanced life underwriter高级寿险承保人advanced life underwriting高级寿险承保adverse claimants逆向索赔人adverse selection逆选择adverse witness反证人advertisers liability insurance广告商责任保险advice of fate出险事故通知书advisory insurance organizations保险咨询机构AEC附加扩展保险责任AEE附加加速费用aerial insurance空运保险aero insurance 1.飞行保险2.航空保险AFDC = aid families with dependent children未成年儿童家庭救济affidavit of claim请求给付申请书affirmative warranty保证书after-acquired property已获得的抵押资产against all risks一切险, 全险age保险年龄age 100生命表的寿命界限age at issue投保年龄(保单生效时的年龄)age last birthday前次生日年龄法age limits年龄限制age nearest birthday最近生日年龄投保age of majority合法年龄age setback年龄倒退法age-adjusted mortality rate按照年龄调整的死亡率agency 1.代理2. 代理店3.营业处agency agreement or contract代理人协议或合同agency billing代理公司通告agency by ratification经批准的代理机构agency commission clause代理佣金条款agency contract代理契约agency department代理部agency director代理处经理agency experience代理业绩记录agency inspector代理监察agency office代理处agency plant代理系统agency relationship代理关系agency superintendent代理处监督官agency system代理制度agent代理人agent authority代理权限agent commission代理佣金agent qualification laws代理人资格法agent’s authority代理人权限agent’s authority of power代理权限agent’s balance代理人平衡表agent’s certificate代理人报告书agent’s commission代理佣金agent’s letter of record代理人记录文件agent’s license代理人执照agent’s note代理人票据agent’s power代理人权限agent-policy-writing保单签发代理人age-specific death rate特定年龄死亡率age-specific mortality rate特定年龄计算的死亡率aggravated risk劣质业务aggregate amount累计保险金额aggregate annual deductible年免赔金额aggregate claim process累计索赔过程aggregate claims累计索赔aggregate excess contract超额赔款合同aggregate excess of loss cover累积超额赔款再保险aggregate excess of loss reinsurance累积超额赔款再保险, 累积停止损失再保险aggregate indemnities补偿总额aggregate indemnity赔偿总额aggregate limit累积限额, 总限额aggregate limit clause累积限额条款aggregate limit of indemnity累积赔偿限额aggregate method总和法aggregate mortality table综合死亡表aggregate operations liability综合营运责任aggregate products liability 1. 产品责任累积限额2.产品综合责任险aggregate projected benefit cost methodaggregate projected benefit cost method预计给付成本总和法aggregate protective liability总保障责任aggregate reserve总准备金aggregate stop loss reinsurance累积停止损失再保险,累积超额赔款再保险agreed amount clause协议价值条款, 定额条款agreed amount endorsement协议金额批单agreed insured value协定保险价值, 约定保险价值agreed return协议退款agreed value 1.协定保额2. 议定价值agreed value clause议定价值条款agreed value policy议定价值保单agreement协议agreement on reinsurance分保合同agricultural equipment floater农业设备保险单agricultural equipment insurance农业设备保险agricultural insurance农业保险agricultural machinery insurance policy农业机械保险agricultural mutual aid insurance money农业互助保险金agriculture crop insurance农作物保险AIAF = Associate in Insurance Ac-counting andFinance保险会计和财务准会员AIC = Associate in Claims理赔准会员aid families with dependent children未成年儿童家庭救济aid to the aged, blind and disabled对老年人、盲人和残疾人的救济AIM = Associate in Management管理准会员AIME = average indexed monthly earnings指数化月平均收入air bill all risks航空保险全单(货物空运时出具的保险单)air bill of loading航空提单air cargo insurance空运货物保险air cargo liability insurance空运货物责任保险air carriage (FPA)空运货物保险单独海损不赔条款air carriage (WA)空运货物保险单独海损赔偿条款air insurance空运保险air passengers policy旅客航空险air risks航空风险air transport insurance空运保险air transportation all risks航空运输一切险air transportation cargo insurance空运货物保险air transportation cargo war risks航空运输货物战争险air transportation insurance空运保险air transportation risks航空运输险aircraft all risks飞机全险aircraft hull insurance飞机机身保险aircraft liability insurance飞机责任保险aircraft passenger insurance飞机乘客保险aircraft passenger liability insurance飞机乘客责任保险aircraft product liability insurance飞机产品责任保险airplane insurance飞机保险airport liability coverage机场责任保险alarm valve报警阀ALCM = Associate in Loss Control Management损失控制管理准会员alcoholic beverage control laws含酒精饮料控制法alcoholic beverage liability insurance酒精饮料责任保险aleatory射幸性(事件发生的不确定性)aleatory contract射幸合同alien company外来公司alienate转让alienation转让alienation clause转让条款all lines综合业务all lines agency综合保险代理机构all lines insurance综合险保险all marine and war risks一切海运及战争险all risk insurance 1. 一切险保险, 全损险保险2. 综合险保险all risks 1. 综合险2. 全险all risks clause 1. 综合险条款2. 全险条款all risks contract 1.综合险条款2. 全险条款all risks cover 1. 全险保单2.综合险保单all risks for shipment of frozen prod- ucts冷藏货物运输一切险all risks policy一切险保险单all risks whatsoever不论原因的一切险all usual risk一切通常险allegation断言allied lines附加保险all-in insurance全损保险All-Inclusive Trust Deed全括性信托契据all-loss insurance保全险allocated benefits划定给付allocated expenses可分配费用allocated funding instruments个人积存方式allocation分配allocation formula分配方式allocation of plan assets计划资产的分配allocation of plan assets on termination终止时计划资产的分配allowed asset认可资产alpha risk甲级风险alphabet broker字母经济人alphabet house字母公司ALR = actual loss rate实际损失率alteration bond变更保险alterations变更alternate beneficiary备选受益人alternate policy保险副单alternate valuation date备选估价日alternative minimum cost method选择最低成本法alternative minimum tax选择性最低税alternative optional policy替换选择性保险单alternative probability可更替概率always open持续有效amalgamation合并ambiguity含糊Associate in Premium Auditingambulatory可变更的AME = average monthly earnings平均月收入amendment修订American agency system美国代理人制度American Experience Table of Mor- tality美国经验生命表American Men’s Mortality Table美国男性生命表AMMINET = Automated Mortgage Market Information Network自动化抵押市场信息网(全美范围的电子报价系统) amortization分期偿付amortization fund分摊资金, 分期还款基金amortization quota分摊额, 分期偿还比例amortization schedule分期偿付表amortized value摊提价值amount at risk风险保额amount ceded (再保险)分出(保)额amount covered保障金额amount for which loss settled理赔金额amount insured保险金额amount of cession分保额amount of coverage保险金额amount of insurance保险金额amount of insurance in carried实保金额amount of insurance in force有效保险金额amount of insurance required应保金额amount of insurance to value保险金额与保险价值之比amount of loss保险金amount of reinsurance再保险金额amount required最低应保额amount retroceded转分保金额amount secured被保险金额amount subject标的金额AMT = alternative minimum tax选择性最低税AMW = average monthly wage月平均工资analysis分析analysis of property and casualty policy财产和意外保险分析analytic schedule分析表analytic system分析系统analytic system for the measurement of relative firehazard相关火灾风险衡量分析系统anamnesis既往病历anchor policy“锚”标志保单ancillary benefits辅助保险单angle of the V “V”角animal health insurance动物健康保险animal life insurance动物生命保险anniversary date签单周年日annual actuarial cost年精算费用annual aggregate limit年度总限额annual exclusion年除外责任annual expected dollar loss年预期损失额annual financial statement年度财务报表annual insurance policy一年期保险单annual insurance premium年度保险费annual mortgagor statement抵押人年度报表annual payment annuity年支付年金annual pension cost年养老金成本annual policy一年期保险单annual premium年度保险费annual premium annuity年缴保险费年金annual premium deferred annuity延期年缴保险费年金annual rate年费率annual renewable agreement年续保协议annual renewable term每年可续保保险annual report年度报告annual report summary年度报告摘要annual return年报告annual statement年度报表annual supplemental cost年附加成本annual transit insurance年度货物运输保险annualization年度化annualized年度化annually renewable term每年可续保条款annuitant年金领取人annuity 1. 年金2. 年金合同annuity age change变化年金年龄annuity analysis年金分析annuity assurance年金人寿保险annuity certain确定年金annuity consideration年金对价annuity contract年金保险合同annuity due首期年金annuity for life终身年金annuity forms年金形式annuity insurance年金保险annuity method 年金法annuity mortality table年金生命表annuity of life终身年金annuity period年金给付期间annuity purchase rate年金购买率annuity rate年金率annuity retirement退休年金annuity risk年金风险annuity table年金表Annuity Table for 1949 1949年年金表annuity tables年金生命表annuity units年金基数annuity with minimum period最短期限年金, 保证期限年金annul撤销, 宣告无效answer答辩antecedent先时的, 在前面的, 在……之先antedate提前日期anti-cancellation laws反注销法anticipated mortality死亡率预测anti-coercion laws反强制法anti-compact laws反协定法anti-discriminatory laws反差别法anti-rebate law(s)反保费回扣法anti-selection逆选择anti-trust laws反垄断法AP = additional premium 1. 附加保费2. 追加保险费AP = annual premium年度保险费APA = Associate in Premium Auditing保险费审计准会apartment package policy员apartment package policy公寓一揽子保险单apartment policy公寓保险单APBM累积计划给付方法APIP附加个人伤害保障APL自动垫缴保费app. = application申请, 投保apparent agency表面代理apparent authority表面代理权appeal bond上诉保证书appellant上诉人appellate court上诉法院Appleton Rule阿普莱顿规则applicant投保人applicant for insurance投保人application 1. 申请, 投保2.投保单application agent投保代理人application for insurance投保申请书application for marine insurance水险投保书application for open policy预约保险单申请书application form投保书appointment委托appointment of trustees for terminated plan指定终止计划受托人appointment papers委托文件apportionable annuity比例年金apportionment比例分配apportionment clause比例分配条款appraisal估价appraisal clause估价条款appraisal inventory估价财产清单appraisal of damage 1. 损失评估2. 损失赔偿评定appraisal surplus估价盈余appraisements估价appraiser估价人appreciation增值approach接近方法appropriated surplus特别公积金approval承保approved合格的approved roof合格屋顶appurtenant structures附属建筑物APS = attending physician’s statement主治医生报告arbitration clause仲裁条款arbitrator仲裁人architects and engineers professional liability insurance建筑师、工程师职业责任保险architects inspection certificate建筑师检验证书architectural specifications建筑计划书area of origin起源地ARM = Associate in Risk Management 风险管理准会员arm’s length transaction正常商业交易armored car and messenger insurance武装车辆及专送保险Armstrong investigation阿姆斯特朗调查ARP = Associate in Research and Planning调查和规划准会员arranged total loss协议全损arrears保费延滞arrears and advances滞缴与预缴arrest拘留arrest bond拘留保险arrived damaged value目的地毁损价值arrived sound value目的地完好价值arson纵火arson clause火险保单中关于自行纵火不予赔偿的条款arsonist纵火犯ART = annually renewable term每年可续保条款art glass policy美术玻璃保险单as expiry原样续保as interest may appear视可保利益出现而定as original同原保险as per original照原保险单率ascertainment of indemnity确定赔偿assailing thieves攻击性盗贼assce = assurance保险assessable insurance可估价保险assessable mutual可估价相互公司assessable premium insurance company 估价保费相互保险公司assessed value估定价值assessment追征金assessment clause保费追缴条款assessment company赋课型公司assessment insurance赋课型保险, 摊派保险assessment insurer赋课型保险人assessment of damage goods破损货物的估价assessment of loss损失的估价assessment of the amount of redemp- tion估算偿还额assessment of value估价assessment period保费追缴期assessment plan摊派保险assessment rolls摊派税款清册assessment society赋课型友爱社assessor财产估价人asset and liability matching资产负债配比asset and liability risk 资产负债风险asset share method资产份额法asset share values资产份额价值asset sufficiency or insufficiency资产充分或不充分asset valuation资产评估assets资产assets and valuation资产与评估assets insurance资产保险assets share资产份额assign转让assigned claims转让赔款assigned claims plan转让赔款计划assigned risk分派风险, 强制接受的业务assigned risk plan分派风险计划assignee受让人assignment转让assignment clause (life insurance)寿险转让条款assignment of benefits保险金转让assignment of life policy人寿保险的转让automobile insurance plansassignment of policy保险单转让assignor转让人assigns受让人assisted living facilities辅助生活设施associate captive协会自保associate degree in risk management风险管理助理Associate in Automation Management自动化管理准会员Associate in Claims理赔准会员Associate in Insurance Accounting and Finance保险会计和财务准会员Associate in Loss Control Management损失控制管理准会员Associate in Management管理准会员Associate in Premium Auditing保险费审计准会员Associate in Research and Planning调查和规划准会员Associate in Risk Management风险管理准会员Associate in Underwriting准承保会员Associate of Casualty Actuarial Society意外精算学会准会员Associate of Conference of Actuaries in Public Practice美国赔偿协会准会员association captive联合专属保险人association group协会集团association group plans协会集团计划association insurance协会团体保险assume接受, 承担assumed interest rate (人寿保险)预定利率assumed liability policy承担责任保险assumed loss ratio预定损失率assumed mortality rate (人寿保险)预计死亡率assumed reinsurance承继再保险assuming company分入公司assumption承担assumption agreement承担协议assumption certificate承担证明书assumption endorsement承担背书assumption fee承担费assumption of mortgage承担抵押assumption of risk风险承担assumption reinsurance承担再保险assumptions假设assurance保险assurance law保险法assurance on aviation航空保险assurance on death死亡保险assured被保险人assurer保险人at occupation职业事故atomic energy commission原子能佣金atomic energy reinsurance原子能再保险attach起保attachment 1. 附保2. 扣押attachment date责任开始日attachment of risk保险责任开始attained age达到年龄attained age conversion达到年龄转换attending physician’s report护理医生报告attending physician’s statement主治医生报告attestation clause证明条款attorney代理人, 律师attorney in fact委任代理人attorney-at-law律师auction拍卖auctioneer’s bond拍卖人保证audit审计audit bureau审计局audited premium审定保险费auditor审计员authority to terminate plan终止计划权authorization核准authorized company授权公司authorized insurer授权保险人auto tax汽车税Automated Mortgage Market Information Network自动化抵押市场信息网(全美范围的电子报价系统)automatic builders risk form自动船舶建造险保单automatic cost-of-living increase生活费自动增加automatic cover自动承保automatic coverage自动保障automatic increase in insurance en- dorsement保险批单的自动增加automatic non-proportional reinsurance自动非比例再保险automatic paid-up自动缴清automatic premium loan provision自动垫缴保费条款automatic proportional reinsurance自动比例再保险automatic reinstatement自动续保automatic reinstatement clause 1.保险金额自动恢复条款2. 自动续保条款automatic reinsurance自动再保险automatic reinsurance treaty自动再保险合同automatic restoration自动恢复automatic sprinkler自动喷淋灭火系统automatic sprinkler clause自动喷淋设备条款automatic termination clause自动终止条款automatic termination of cover clause自动销保条款automatic treaty自动再保险合同automobile assigned risk insurance plan汽车分派风险保险计划automobile assurance汽车保险automobile collision汽车碰撞automobile comprehensive汽车综合险automobile death and disability coverage汽车死亡和残疾保险automobile death indemnity coverage汽车死亡补偿保险automobile fleet汽车队automobile insurance汽车保险automobile insurance (comprehensive)汽车(综合)保险automobile insurance (drive other cars) (驾驶其他汽车的)汽车保险automobile insurance (hired cars) (租用)汽车保险automobile insurance (non-owner liability) (非所有权责任)汽车保险automobile insurance plans汽车保险计划automobile liabilityautomobile liability汽车责任automobile liability excess policy汽车责任超额保险automobile liability insurance汽车责任保险automobile liability insurance certifi- cate汽车责任保险证明书automobile liability policy汽车责任保险单automobile medical payment insur- ance汽车医疗给付保险automobile physical damage insurance汽车车身保险automobile reinsurance facility汽车再保险计划automobile shared market汽车共有市场automobile theft汽车盗窃automobile, boat and aircraft insur- ance汽车、船舶和飞机保险auxiliary fund辅助基金avail (of contract) (合同上的)利益avenues of fire spread火灾蔓延途径average海损average adjuster海损理算员, 海损理算师average adjustment海损理算average agent海损代理人average agreement财损协议书average blanket rate一揽子平均费率average bond共同海损承付保证书average claim size平均索赔额average clause 1. 海损条款2.水渍险条款average distribution clause平均分配条款average earnings clause平均收入条款B.D.I. = both days inclusive含生效日及到期日B/L = bill of lading提单b’lading = bill of lading提单back-date倒填日期back-end loaded期末费用backload撤离费bad debts policy坏账保险单bad odor恶味险bad risk风险大的保险baggage insurance行李保险bail保释金bailee (财物的)受托人bailee clause受托人条款bailee’s customers insurance受托人顾客保险bailees insurance受托人保险bailees liability insurance受托人责任保险bailer委托人, 寄托人bailment (财物的)委托人bailor寄托人bailor’s property insurance寄托人财产保险balance余额balance sheet资产负债表balance sheet reserves (退休金)平衡表准备金balance sheet reserves plan (退休金)平衡表准备金计划balanced security平衡保障balancing charge差额税balancing charge insurance差额税保险average indexed monthly earnings指数化月平均收入average loss clause平均损失条款average monthly earnings平均月收入average monthly wage月平均工资average net cost平均纯费用average pay plan平均工资基准型退休金计划average policy 1. 填补保险单2. 海损保险单average premium平均保费average rate平均费率average risk平均风险average semi-private rate平均半私人费率average statement海损理算书average weekly benefits平均周给付average weekly wage平均周工资aviation accident insurance航空意外事故保险aviation clause航空条款aviation exclusion航空险除外责任aviation hazard航空风险aviation hull insurance航空机体保险aviation insurance航空保险aviation passenger accident insurance航空乘客意外事故保险aviation personal accident insurance航空人身意外事故保险aviation trip life insurance航空航程人身保险avoidance防避avoidance policy保单无效award仲裁赔偿B bbank burglary and robbery insurance银行失窃及抢劫保险bank check plan银行支票计划bank loan insurance银行贷款保险bank loan plan银行贷款计划bank trusted retirement plan银行信托退休计划bankers blanket bond银行综合保证保险Banking Act of 1933 (美)1933年银行法bankrupt破产bankruptcy宣告破产BAP = business automobile policy商业汽车保单barge retention驳船险扣存保险费barratry不法行为, 故意损害行为base pay基本工资base premium基线保险费base rate基本费率baseline data基线数据basic auto policy基本汽车保险单basic benefits (basic hospital plan)基本住院福利计划basic insurance基本险basic limit基本限额basic limits of liability基本责任限额Basic Medical Insurance Plan基本医疗保险计划basic premium基本保费basic rate基础费率basic specification基本项目表basic split-dollar plan基本保费分摊计划branch office systembasic time frame基期basis for claim索赔依据basis rate基本费率batch clause整批条款Bayes’Theorem贝叶斯定理Bayesian approach 贝叶斯方法bearer policy持有人保险单beauty parlor public liability insurance美容院公共责任保险before-tax earnings税前所得beneficial interest受益权beneficiary受益人beneficiary change变更受益人beneficiary clause受益人条款beneficiary of trust信托受益人benefit 1.保险赔偿费2. 给付3. 利益, 津贴benefit for child of retired worker退休工人子女给付benefit for disabled child of deceased, disabled, or retiredworker已故、残废或退休工人的残疾子女年金给付benefit for disabled widow or widower-age 50~62 50~62岁残疾鳏寡年金给付benefit formula给付方式benefit of business life and health in- surance企业主管人员保险benefit of insurance保险利益benefit of insurance clause保险利益条款benefit of salvage保险利益条款benefit package福利范围benefit payable应付养恤金benefit period给付期限benefit planning保险给付计划benefit policy定额保单benefits department理赔部, 给付部bequest遗赠BERI = Business Environment Risk Index企业环境风险指数betterment insurance改良保险bid bond投标押金, 投标保证金bilateral contract双边合同, 双边契约bill of lading提单billed claims保户医疗账单binder 1.暂保单2. 暂时契约3. 承保协议binding authority限制权限binding clause限制条款binding receipt承保收据binding slip暂保单binomial distribution二项分布biometric functions生命函数birth rate出生率blackout period福利脱接期blank rate总括保险费率blanket accident medical expense总括意外医疗费用blanket bond总括保证保险blanket contract一揽子合同blanket coverage总括保险blanket crime endorsement总括犯罪保单blanket crime policy总括犯罪保单blanket fidelity bond总括忠诚保证保险blanket form一揽子保险blanket honesty bond总括诚实保险blanket insurance总括保险blanket limit总限额blanket medical expense insurance总括医疗费用保险blanket policy统保单, 总括保险单blanket position bond一揽子职业保险blanket rate总括保险费率blanket retrocession总括转分保blind treaty全权委任合约blinder暂保单block insurance (多批相同货)统保block limit地段限额block policy统保单, 综合保单Blue Cross, Blue Shield subscriber蓝十字、蓝盾计划加入者blue list蓝表Blue Plan蓝十字保险计划board insurer委员会保险人bobtail liability insurance短尾巴责任保险bodily injury人身伤害bodily injury insurance人身伤害保险bodily injury liability insurance人身伤害责任保险boiler and machinery insurance锅炉及机器保险boiler insurance锅炉保险bond 1. 保证2. 保证会bond insurance 1.保证保险2. 债券保险bonding company 1.保证公司2. 担保公司bonding insurance保税保险bonds保证保险bonus certificate保险公司给予保险人的红利证明书bonus funding额外所得基金bonus loading附加保险费book debts insurance应收账款保险book of business保户总账册book value账面价值book value per common share普通股每股账面价值BOP = business owners policy企业所有人保险bordereau业务报表borderline risk临界危险borrowing authority of pension benefit guaranty。
安装工程第三者责任保险erector’s third party liability insurance 安装工程一切险erection all risks insurance按账面价值投保cover on account value暗示投保implied warranty暗中同意implied consent罢工、暴动和民变不变条款free from strike riot and civil common 包装破裂险risk of breakage of packing damage保单持有人policy holder保单贷款部policy loan department保单基本条款warranty primary clause保单满期expiration of policy保单所有人policy owner保单限额maximum liability of policy保额递减定期寿险decreasing term life insurance保额确定insured amount ascertained保费计算基础basis for premium computation保费缴付方式the kinds of premium payment保险卡premium card保费领收证certificate of premium保费调整方式premium adjustment form保费退还特约条款premium return warranties保费协议书premium agreement保费准备金premium reserve保费自动垫缴premium automatically advance保险保障insurance coverage保险保障基金insurance hedge-type fund保险标的subject-matter insured保险财务分析insurance financial analysis保险财务管理financial management of insurance保险查勘员insurance surveyor保险差盈gains and losses of insurance保险超市insurance supermarket保险承保insurance underwriting保险代理人insurance agent保单标准化policy standardization保险担保书insurance guaranty保险当事人party concerned in the insurance保险费insurance premium保险费率insurance rate保险费率表insurance tariff保险公司的解散disband insurance company保险公司的破产bankruptcy of insurance company保险公司的整顿housecleaning of insurance company保险供给insurance supply保险供给弹性insurance supply elasticity保险估价insurance assessment保险股份有限公司capital stock insurance company保险管理现代化modernization of insurance management 保险行业管理management of insurance industry保险合同insurance contract保险合同的变更amendment of insurance contract保险合同的废止annulment of insurance contract保险合同的恢复resumption of insurance contract保险合同的解除cancellation of insurance contract保险合同的中止interruption of insurance contract保险合同的终止termination of insurance contract保险合同法insurance contract law保险合同纠纷仲裁dispute arbitration of insurance contract 保险核保insurance underwriting control保险红利insurance bonus保险基金insurance funds保险兼并insurance company annexation保险观察期quarantine period of insurance保险金额amount insured保险金给付方式distribution plan保险金请求书application for premium payment保险经纪人insurance broker保险经济效益economic benefit of insurance保险经营insurance operation保险会计insurance accounting保险会计报表insurance accounting statements保险会计方法accounting method of insurance保险会计科目accounting item of insurance保险会计凭证insurance accounting documents保险会计账簿insurance accounting book保险理赔insurance claim settlement保险利益insurance interests保险密度insurance density保险年度决算insurance annual final account保险赔偿insurance compensation保险凭证insurance certificate保险期间insurance period保险期限policy term保险欺诈insurance fraud保险企业文化culture of insurance company保险人insurer , underwriter保险人的代位权insurer’s subrogation保险融资insurance financing保险商品insurance goods保险深度insurance intensity保险市场机制insurance market保险市场主体insurance market’s subject保险事故insurance accident保险受益人insurance beneficiary保险条款insurance clauses保险投资insurance investment保险学insurance science保险要素assurance elements保险责任insurance liability保险展业canvass for insurance被保危险insured risks被保险人insurant ,the insured比例分摊条款prorate clause比例赔偿方式prorate liability indemnity method比例在保险proportional reinsurance变额保险variable insurance变额年金variable annuity变额人寿保险variable life insurance变更受益人changing beneficiary变更受益人条款change of beneficiary provision标准保单standard policy补偿损失义务obligation to compensate for losses不保事项declined risk不重复给付non-duplication of payments不定值保险unvalued insurance不可抗辩条款incontestable clause不实告知misreprenstation部分全损partial total loss部分损失partial loss财产保险property insurance财产保险附加条款additional clause of property insurance 财产保险基本条款the basic clause of property insurance 残废程度degree of disability差别费率deviated rate。
保险英语常用词汇insure 保险；投保；保证insurance 保险；保险费；保险金额underwriters 保险商指专保水险的保险商保险承运人insurance company 保险公司insurer 保险人insurance broker 保险经纪人insurance underwriter 保险承保人insurance applicant 投保人insurant, the insured 被保险人,受保人to cover effect,arrange,take out insurance 投保insurance coverage;risks covered 保险范围insurance slip 投保单insured amount 保险金额insurance against risk 保险insurance clause 保险条款insurance instruction 投保通知insurance business 保险企业insurance conditions 保险条件PICC People’s Insurance Company of China 中国人民保险公司risk insured, risk covered 承保险项risk 险别to provide the insurance 为...提供保险leaflet 说明书fine print 细则insurance expense 保险费premium rate 保险费率premium 保险费insurance rate 保险费率表insurance proceeds 保险金保险收入insurance free of from particular average FPA. 平安险单独海损不赔insurance with particular average WPA, basic risks. insurance against allrisks. 综合险,应保一切险risk of breakage 破碎险risk of clashing 碰损险risk of rust 生锈险risk of hook damage 钩损险risk of contamination tainting 污染险insurance against total loss only TLO 全损险risk of deterioration 变质险risk of packing breakage 包装破裂险risk of inherent vice 内在缺陷险risk of normal loss natural loss 途耗或自然损耗险risk of spontaneous combustion 自然险risk of contingent import duty 进口关税险insurance against war risk 战争险Air Transportation Cargo War Risk 航空运输战争险overland Transportation Insurance War Risk 陆上运输战争险insurance against strike, riot and civil commotion SRCC 罢工,暴动,民变险insurance against extraneous risks, insurance against additional risks 附加险risk of theft, pilferage and nondelivery TRND 盗窃提货不着险risk of fresh and/of rain water damagewetting 淡水雨淋险risk of leakage 渗漏险risk of shortage in weight/quantity 短量险risk of sweating and/or heating 受潮受热险risk of bad odourchange of flavour 恶味险,变味险risk of mould 发霉险on deck risk 舱面险ocean marine cargo insurance clauses 海洋运输货物保险条款transportation insurance 运输保险overland transportation insurance, land transit insurance 陆上运输保险insurance against air risk, air transportation insurance 航空运输保险parcel post insurance 邮包运输保险ocean marine cargo insurance, marine insurance 水险海运货物保险All Risks 一切险average 海损Particular Average 单独海损General Average 共同海损Marine Losses 海损partial loss 部分损失total loss 全部损失health insurance 疾病保险,健康保险sickness insurance 疾病保险insurance for medical care 医疗保险"major medical" insurance policy 巨额医药费保险insurance during a period of illness 疾病保险life insurance 人寿保险endowment insurance 养老保险insurance on last survivor 长寿保险to purchase health insurance 购买健康保险to have a health insurance policy 购买健康保险Additional Words and Phrasespolicy-holder 保险客户extra premium 额外保险费additional premium 附加保险费保险英语词汇Aabandonment 委付abandonment clause 委付条款accident 意外事故accounting period 结算期act of god 不可抗力actual total loss 实际全损actuarial method 精算法actuary 保险精算师additional premium 附加保险费additional risk 附加险advance profit 预期利润aggregate limit 累积限额aggregated loss 累积损失all-risks policy 一切险保单antis election 逆选择applicant 投保人application 投保单approved 承保assignment clause 转让条款average 海损、海损分摊average adjuster 海损理算人average clause 共同海损分担条款保险英语词汇Bbalance 所欠款项beneficiary 受益人binder 暂保单binding slip 暂保单breakage of packing 包装破碎险broker 经纪人保险英语词汇Ccapacity 承保能力captive 自保公司captive pools 自保组合cargo damage adjustment 货损理算cargo damage inspection 货损检验cargo damage prevention 货损预防cargo damage report 货损报告cargo damage survey 货损检查,货物损坏检验cargo insurance premium 货物保险费cargo insurance rate 货物保险费率cargo insurer 货物承保人cargo policy 货物保单,货物保险单cargo premium 货运保险费,货物保险费cargo underwriter 货物保险承保人商,货险承保人,货物承保人cash loss 现金赔款cash value 现金价值catastrophe 巨灾catastrophe excess of lossCXL 巨灾超赔\巨灾超赔分保categories of insurance 保险类别ceding company 分出公司cedinginsurancecompany 分保公司ceding, retrocessionfor reinsurance 分保certificate of cargo damage 货损证明certificate of insurance 保险证明、保险凭证cession limit 分保限额China Insurance Clause CIC 中国保险条款claim 索赔claim assessor 索赔人claim settlement 理赔claim-prone 容易出险claims and arbitration 索赔与仲裁claims assistance 理赔协助clash and breakage 碰损,破碎险clean cut 结清方式coinsurance 共保co-insurance 共同保险co-insurance company 共同保险公司combined ratio 综合赔付率commencement and termination 起讫concurrent insurance 同时保险consequential loss CL 后果损失constructive total loss 推定全损contingent liquidity 或有流动性continued insurance 继续保险co-related risks 关联风险cover 承保、责任额cover note 保险证明书,承保单,保险证明cover note 暂保单证明同意承保的临时文件coverage 受保范围保险英语词汇Ddamage 损坏赔偿金damage cargo clerk 理残员,货损管理员damage cargo list 货损单,残货单damage certificate 损坏证明书damage claim 损坏索赔damaged by other cargo 由其他货物损害damaged cargo list 受损货物单damaged cargo report 受损货物报告书,货物损害报告deductibles 免赔额deposit premium 预付保费destroyed 毁坏disbursement policy 船舶驶费保险单dividend system 红利制度double insurance 双保险dual valuation clause 双重价值条款保险英语词汇Eemployer 业主Endorsement 批单endorsement: 签注endowment insurance 养老保险endowment policy 人寿定期保险单event limit 事件限额ex gratia payments 通融赔款excess loss 超额赔款excess of loss cover 超额赔偿excess of lossXL 超赔分保exclusion 除外责任EXL protection 超赔保障exposed areas 风险承受区域exposure rating 风险评估extended-term insurance 过期保险extra charges 额外费用extra premium 额外保险费extraneous risks additional risks 附加险保险英语词汇Ffacultative business 临分保facultative reinsurance 临时分保fault liability 过失责任financial quota shares 成数分保fine print 细则finite risk 有限制的风险finite risk transfer 有限风险转移floating policy 浮动保险单franchise deductible 免赔额；免赔率free of all average FAA 全损赔偿freight insurance 运费保险freight policy 运费保险单full coverage 全额承保full insurance 全额保险full insurance value 足额保险价值full liability 全部责任保险英语词汇Ggeneral averageGA 共同海损grace period 宽限期gross net premium incomeGNPI 总净保费收入group insurance 团体保险guarantee of insurance 保险担保书保险英语词汇Hhazard 危险因素health insurance 疾病保险,健康保险heavy damage 严重破坏holistic risk transfer 整体风险转移hook damage 勾钩损险hour clause 小时条款保险英语词汇IIBRN reserve 已发生但未报的损失储备金,IBRN储备金import cargo insurance 进口货物保险increased value clause 增值条款increased value insurance 增值保险increasing coverage, extending coverage 加保Incurred but not reported lossesIBRN 已发生但未报的损失indemnity limit 赔偿期限indemnity period 赔偿期individual losses 单一损失industrial insurance 产业保险inflated claim 超额索赔inherent nature of cargo 货物的固有性inherent vice 内在缺陷inherent vice of cargo 货物固有缺陷inspection of cargo 积货鉴定,货物检验,检查货物inspection of cargo GA or PA 海损单独海损或共同海损鉴定inspection on damaged cargo 货物残损检验installment insurance 分期付款保险Institute Cargo Clauses ICC, 协会货物保险条款insurability 可保性insurance 保险,保险费,保险金额insurance act 保险条例insurance against risk 保险insurance agents 保险代理,保险代理人insurance amount 保险金额\保险额insurance applicant 投保人insurance assessor 保险公估人insurance broker 保险经纪人insurance business 保险企业\保险业insurance capacity 承保能力insurance certificate 保险凭证\保险证书insurance claim 保险索赔insurance clause 保险条款insurance commission 保险佣金insurance company 保险公司insurance conditions 保险条件\保险契约约定条款insurance corporation 保险公司insurance coverage 保险范围,保额insurance declaration sheetbordereau 保险申报单明细表insurance division 保险部insurance document 保险单据insurance expense 保险费insurance fond 保险基金insurance industry 保险业insurance instruction 投保通知,投保须知insurance law 保险法insurance on last survivor 长寿保险insurance period 保险期限insurance policy 保险单\保单insurance premium 保险费insurance proceeds 保险金保险收入,保险赔偿金,保险赔款insurance securitization 保险证券化insurance slip 投保单\投保申请书insurance subject 保险标的insurance treaty 保险合同insurance underwriter 保险承保人insurance valueinsurance amount 保险金额insurant 被保险人,受保人insure 保险、投保、保证insured 被保险人insured amount 保险金额insured loss 保险损失insured property 参保物业Insured Value 保险价值insurer 保险人、保险公司,保险商insurer underwriter 承保人、保险人investment insurance 投资保险保险英语词汇J-LJjettison 投弃Llaw of insurance 保险法law of large numbers 大数法则leaflet 说明书less exposed 损失可能性小letter of guarantee 保函,保证书liability 责任liability insurance 责任保险license bond 执照保险life assured 人寿保险投保人life expectancy 平均余命life fund 人寿保险基金life insurance 人寿保险life insurance actuary 人寿保险精算师life insurance reserve 人寿保险责任准备金life Table 生命表light damage 轻度破坏limits 投保限额line slips 分保条liquidity support 提供流动资金Lloyd 劳合社loading 附加费loading 人寿保险附加费loss adjuster 损失理算人loss occurrence 损失发生loss occurring basis 损失发生基础loss of profit 利损险loss participation 分担损失loss ratio 损失率loss ratio 赔付率loss settlement 损失赔付保险英语词汇Mmail contractor 承包商main risks 主险maintenance 保证期malicious damage 恶意损害marine insurance 海上运输保险,水险marine losses 海损medical insurance 医疗保险mortality tables 死亡率表用于计算保险风险multiple claim 多次重复索赔multiple insurance 重复保险mutual insurance 相互保险mutual insurance company 相互保险公司保险英语词汇NNatCat pooling 自然灾害共保natural catastropheNatCat 自然灾害natural premium 自然纯保费net retained lines 净自留额net retained losses 损失净自赔额no profit commission 无纯益风险no-claims bonus 无索偿奖金non-life 非寿险non-proportional reinsurance 非比例再保险notification 告知保险英语词汇Oobject 标的obligatory reinsurance 固定分保ocean marine cargo clauses 海洋运输货物保险条款on deck risk 舱面险open policy 预约保险单open policy insurance 预约保险original deductibles 原始免赔额original rate 原始费率over insurance 超额保险overland transportation insurance 陆上运输保险保险英语词汇Pparcel post insurance 邮包运输保险partial loss 部分损失particular average PA 单独海损peril 危险、危险事故perils of the sea 海上风险permit bond 许可证保险placement 安排policy 保单、保险单、保险契约policy holder 保险客户\保险单持有人policy package 承保多项内容的保险单policy proof of interest 保险单权益证明policy reserves 保险单责任准备金policy-holder 保险客户policyholder 保单持有者policy-holder 保险客户pool 共保组合、合保pool 联营pool administrator 共保组合管理人portfolio entry 未满期责任的出帐portfolio outgo 未满期责任的入帐possible maximum lossPML 可能最大损失post-financing 后融资post-funding 后融资pre-financing 先融资pre-funding 先融资premium 保险费premium rate 保险费率premium rebate 保险费回扣previous losses 既往损失primary insurance company 原保公司、主保险商principal 业主principle of compensation 补偿原则priority 分保自留额、自付责任priority deductible 优先免赔额proceeds 收益professional 专业险profit margin 利润边际property 财产险property covered 受保财产property insurance 财产保险proportional cover 比例分保proportional reinsurance 比例再保险proximate cause 近因punitive damage 惩罚性损害pure endowments 定期生存保险pure risk 纯粹危险保险英语词汇Rrain insurance 雨水保险rainstorm 雨暴rate 费率rating 费率recovery 追偿金reinstate 复效reinstated 继单reinstatement 恢复保额reinstatement value insurance 重置价值保险reinsurance 分保、再保险、转保reinsured 分出公司reinsurer 分保人分保公司、再保险人rejection risk 拒收险renew coverage 续保renewal 续保；延期renewal premium 续保费renewing coverage 续保reserve 准备金retention 自留、自留额return period 重现期revoke license 吊销营业执照riot insurance 骚乱保险risk 险别、风险、保险,保险额risk carrier 风险承担人risk covered 承保险项risk insured 承保险项risk management 危险管理risk premium 风险保费\风险贴水、风险溢价risk unit 危险单位risks covered 保险范围保险英语词汇Ssalvage charge 救助费用salvage value 残值,获救货物或船舶的价值second event cover 第二事件承保set-off 抵销settlement of claim 理赔sickness insurance 疾病保险social insurance 社会保险solvency 偿付能力solvency margin 赔偿能力spread loss 分散风险standing charges 维持费用stop loss 赔付率超赔sub-contractor 分承包商subject insured 风险标的subrogation center 代位求偿权sue and labor expenses 施救费用suicide clauses 自杀条款sum insured 保险金额、保额surplus insurance 盈余保险survey at jetty risk 码头检验险survey in customs risk 海关检验险保险英语词汇Ttariff 费率表tariff zone 险区term insurance 定期保险TG 拐点周期the insured 被保险人,受保人time policy 定期保险单topographic map 地形图total loss 全部损失total sum insured 总保额treaties business 合同分保treaty reinsurance 合约再保险treaty-limits 合约限额turnover 营业额保险英语词汇Uunder insurance 低额保险underwriters 保险商指专保水险的保险商、保险承运人、保险公司underwriting 承保underwriting policy 承保政策unvalued insurance 不定值保险unvalued policy 不定值保单utmost good faith 最大诚信保险英语词汇V-ZVvalued insurance 定值保险voluntary insurance 自动保险Wwaiver and estoppels 弃权与禁止反言windstorm 风暴working cost 营业费用working expenses 营业费用writing 承保written premiums 承保保费。
保险辞典之保费自动垫交automaticpremiumloan
保人在宽限期结束时仍未交纳保费，保险公司根据投保人的选择用保单现
金价值垫付保费，使保险合同保持有效的行为。（修改提示：原来的术语名称
为“保费自动垫缴”，原来的解释为“投保人在宽限期结束时仍未缴纳保费，
保险公司根据投保人的选择用保单现金价值垫付保费，使保险合同保持有效的
行为。”）
