| claims personnel |
理赔人员 |
| insurance penetration |
险深度 |
| without profits polices |
无利保单 |
| family income policy |
家庭收入保险 |
| scheduled premium policies |
表定保费型保单 |
| premium |
保险费 |
| paid-up policy |
缴清保单 |
| Provident Mutual Insurance Company |
普洛维登相互保险公司 |
| experience participation |
实际分红 |
| nonparticipating insurance policy |
非分红保单 |
| enhanced ordinary life policy |
优化型普通寿险 |
| policyowner |
保单所有人 |
| attachment point |
阀值、附保点 |
| retirement income policy |
退休收入保险 |
| semi—endowment policy |
半生死两全保险 |
| modified endowment policy |
修正的生命两全保险 |
| insurance policy |
保单 |
| level face amount policies |
水平保额保单 |
| participating insurance policies |
分红保单 |
| with profits policies |
附利保单 |
| single—premium endowment policies |
趸缴生死两全保险 |
| perils |
风险事故 |
| asymmetric information problems |
非对称信息问题 |
| adverse 0selection problem |
逆选择问题 |
| moral hazard problem |
道德风险问题 |
| principal |
委托人 |
| principal-agent problem |
委托代理问题 |
| mortality prefunding |
死亡费用预积累 |
|
|
| mathematical reserves |
精算准备金 |
| insurance agent |
保险代理人 |
| captive , exclusive , ortied agents |
专属代理人 |