《保险英语》复习资料

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《保险英语》复习保险英语复习概要（不保证一定考，也不保证不考）

保险利益原则----- principle of insurable interest

损失补偿原则----- principle of indemnity

代位求偿原则----- principle of subrogation

最大诚信原则----- principle of utmost good faith

近因原则----- principle of proximity

--------------------------------------------------------------------------- 风险分担----- risk-sharing/risk-pooling

分散风险----- spreading risk

保险人----- insurer/ underwriter

投保人-----insurance applicant

被保险人-----Insured

受益人----- beneficiary

保险代理人-----insurance agent

保险经纪人-----insurance broker

保险公估人-----insurance surveyor/ adjuster/appraiser

保险条款----- insurance clause/ treatment

不可抗辩条款----- incontestable clause

保费----- premium

保险标的----- subject –matter of insurance

保险价值----- insured value// （1）

保险索赔----- claim

告知----- representation

声明----- declaration

误告----- misrepresentation

死亡表----- life table/ mortality table

Rate-making -----费力厘定

Occupancy ----- 用途

Construction ----- 构造

Protection ----- 防护

Location ----- 位置

大数法则----- law of large numbers

效应理论----- utility theory

毛保费----- gross premium

纯保费----- net premium

附加保费----- loading premium

均衡保费----- level premium

趸缴保费----- lump sum premium/single premium

准备金----- reserve

现金价值----- cash value

附加条款----- rider

保险期间----- insurance period

保额----- amount of insurance

保险索赔----- claim

保险责任（受保范围）------ coverage

除外责任------ exclusion

保证----- warranty

隐瞒----- concealment

要约----- offer

反要约----- counteroffer

保单不丧失权益-----nonforfeiture benefits

延期定期寿险----- deferred term life insurance

两全保险----- endowment life insurance

万能寿险----- universal life insurance

分红寿险-----participating life insurance

红利---- dividend

养老金----- pension

联合人寿-----joint life

投连险----- unit-linked life insurance

定期寿险----- term life insurance

终身寿险----- whole life insurance

变额万能寿险----- variable universal life insurance

年金寿险----- annuity life insurance

财产保险----- Property & casualty insurance

巨灾保险----- catastrophe insurance /Act of God insurance

重大疾病保险-----critical illness/dreadful illness insurance

意外保险----- accidental insurance

重复保险------double insurance

投保单----- application form/proposal form

保单----- insurance policy

暂保单----- binding slip/cover note

批单------ endorsement

保险凭证（小保单）-----certificate of insurance

保单持有人----- policyholder/policyowner

再保险-----Reinsurance

分出公司----- ceding company

分入公司------ceded company

国有保险公司-----state-owned insurance company

股份制保险公司---- stock-based insurance company

自保公司----- captive company

相互保险公司----- mutual company

合作保险公司------ cooperative company

互助保险公司------ fraternal company

------------------------------------------------------------------------------------------------------- Risk -----a measure of possible variation of economic outcomes.

Hazard ----- a condition that increases the chance of loss due to a peril

Peril ----- risk event or risk incident which refers to a possible cause of loss.