InsuranceGlossary[三]保险词汇表

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 selection 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