投保人

投保人是否曾进行和竞争者产品的直接产品比较？

Does applicant ever do direct product comparisons against competitor products ?

保险投保人告知义务研究

The Research on the Obligation of the Applicant 's Disclosure of Insurance

投保人一旦死亡，该项保险将给其家属支付相当可观的保险金。

The insurance plan will provide substantial cash benefits to your family in case of your death .

这项基金将在保险公司不能偿付的情况下对投保人进行赔付。

The funds are supposed to reimburse policyholders in the event of insurer failure .

第一笔10%的法律费用将由投保人支付。

The first 10 per cent of legal fees will be paid by the policy-holder .

这些收益不够支付投保人每年分得的红利。

These returns will not be enough to meet the payment of annual bonuses to policyholders .

AIG陨落的最大受害者除了购买了AIG所发行债券的投资者，还有投保人。深刻的教训让我们不得不对保险公司财务实力重新审视。

Besides bond investors , the biggest victims of the fall are the policyholders .

然而，即使投保人自身出现了过失，只要不是像安然（enron）事件中那样彻头彻尾的欺诈，该保险都会予以赔付。

Yet , other than in Enron-style cases of outright fraud , this insurance pays out even if the insured has messed up .

相反，这些计划都旨在利用联邦医疗保险（medicare，老年人的公共医疗计划）的巨额储蓄来为医改买单，许多medicare的投保人不太相信对他们所享服务不会因此变差的保证。

Instead , the plans all aim to cover costs with big savings on Medicare , the public programme for the elderly and many Medicare recipients doubt the assurance that their services will not worsen as a result .

本文以社会福利为衡量保险市场效率的标准，分析了在处于R-S均衡的保险市场中，如果有部分投保人低估自身风险，实施强制保险是否有助于保险市场效率的提高。

Using social welfare as an index of market efficiency , the paper tries to analyze whether compulsory insurance can improve efficiency of the insurance market in R-S equilibrium with misinformation .

他们的意图是：剥夺投保人采取法律行动的权利；邀请法官兼会计师彭乐时勋爵（LordPenrose）记录发生的事件来拖延，而且这些记录也依然没有把责任归咎于监管方；还有就是混淆视听。

They aimed to expunge policyholders ' rights to take legal action ; to delay by inviting Lord Penrose , a judge and accountant , to write a history of what had happened , which did not apportion blame to the regulator ; and to obfuscate .

直到目前，国际精算文献中研究的最优BMS，只考虑投保人上一年的索赔次数，没有考虑索赔额的大小，也即对于小额损失和大额损失的惩罚是一样的。

Up to now , the optimal BMS in the international actuarial literature only consider the frequency of the claims in a year and ignore the amount of the claim , which means the punishment for small and large claims are treated equally .

所保风险一定不能同时危及所有投保人。

The peril must be unlikely to affect all insured simultaneously .

投保人：谢谢你的建议，还有其它问题吗？

Insurant : thank you for your proposal , anything else ?

因此，这些产品的预期回报率在很大程度上取决于投保人的预期寿命。

Their projected returns therefore rely heavily on life expectancy estimates .

保险法是关于投保人和保险人之间关系的法律。

Insurance law is concerned with the relationship between two persons .

第二个因素就是投保人自愿退保。

The second factor is that the insured voluntarily surrender .

退保金的申请人是投保人。

The policy holder is the applicant for termination benefit .

保险法内容包括投保人和保险人之间的合同。

Insurance law involves a contract between the insurer and the insured .

四星期前，投保人在买画。

Four weeks ago when our client bought the Rembrandt .

投保人是否提供健美、桑拿浴设施？

Does the applicant provide gym , sauna or steams baths facilities ?

投保人是否曾从直接竞争者处聘用重要雇员？

Has applicant ever hired key employees from direct competitors ?

欺骗投保人、被保险人或者受益人；

Deceiving the applicant , the insured or the beneficiary ;

投保人：你能否说的具体一点呢？

Insurant : can you say it in detailed way .

伤者签署（如非投保人）

Signature of Injured Person ( if not the Insured )

寿险新产品应根据需求差异采取差异化定价法定价。按照不同的价格，直接把同种寿险产品卖给不同的投保人，即二级价格歧视；

The life insurance products should take differential pricing to set down prices .

遏制投保人逆向选择的不完美信息动态博弈分析

Dynamic game analysis of imperfect information of restraining the insured 's adverse selection

投保人是否有书面的产品回收计划？

Does applicant have a written product recall plan ?

法律允许投保人向一个或多个保险人索赔。

The law permits the insured to claim form one or more insurers .

第一因素是投保人死亡即死亡风险。

The first factor is the death of the insured risk of death .