保险专业英语单词+简单问题主要应对面试Word文档下载推荐.docx

保险专业英语单词+简单问题主要应对面试Word文档下载推荐.docx

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13.免赔额条款deductibleclause

14.共保条款coinsuranceclause

15.责任条款dutyclause

16.代位求偿条款subrogationclause

17.偿付能力insolvency

18.监管regulate

19.欺骗性的deceptive

20.保费prepium

21.投机speculate

22.投保topropose

23.保险利益insurableinterest

24.人寿保单lifeassurancepolicy

25.债权人creditor

26.债务人debtor

27.定期保单timepolicy

28.养老保险、年金保险annuitiesinsurance

29.交税延期tax-postpone

30.巨灾catastrophe

31.欺诈行为fraud

32.养老基金pensionfund

33.保险责任coverage

34.保险密度insurancedensity

35.保险深度insurancepenetration

36.遗产heritage

37.准备金reserves

38.禁止反言estoppel

39.弃权waiver

40.解除合同dissolutionofcontract

41.保单现金价值cashvalue

42.不可抗辩条款incontestableclause

43.年龄误告条款misstatementofage

44.宽限期条款graceperiodprovision

45.复效条款reinstatementprovision

46.自杀条款suicideclause

47.不丧失价值条款non-forfeiturevaluesandoptions

48.保单贷款条款policyloanclause

49.自动垫缴保费条款automaticpremiumloanclause

50.保险金给付任选条款settlementoptions

51.定期寿险termlifeinsurance

52.终身寿险wholelifeinsurance

52.生存保险pureendownmentinsurance

53.两全保险endowmentinsurance

54.分红保险participatinglifeinsurance

55.万能寿险universallifeinsurance

56.投资连结保险unit-linklifeinsurance

57.健康保险healthinsurance

58.疾病保险diseaseinsurance

59.医疗保险medicalinsurance

60.失能收入损失保险disabilityincomeinsurance

61.长期护理保险long-termcareinsurance

62.意外伤害保险accidentalinsurance

63.等于equalto

64.乘以multiplyby

65.除以divide

66.加上plus

67.减去minus

68.人身保险personalinsurance

69.团体人身保险grouppersonalinsurance

70.机动车辆保险automobileinsurance

71.家庭财产保险insuranceofcontents

71.企业火灾保险fireinsurance

72.企业工程保险engineeringinsurance

73.建筑工程保险constructioninsurance

74.安装工程保险erectioninsurance

75.货物运输保险cargotransportationinsurance

76.利润损失险lossofprofitinsurance

77.

1.what’sthedefinitionofrisk?

riskmeansuncertaintyaboutfuturelossortheabilitytopredicttheoccurrenceorsizeofaloss.

2.what’rethetypesofrisks?

pureriskandspeculativerisk

1）.pureriskmeansthattheriskcanonlysufferlossandhavenochancetogainbenefit.

2）.speculativeriskmeansthattheriskisabletogainbenefitwhilesufferingloss.

3.whatarethewaysofhandingrisks?

1）.riskavoidance

2）.riskdispersal

3）.losscontrol

4）.riskrestraining

5）.riskretention

6）.risktransfer

4.what’rethekindsofhazards?

1）.physicalhazards

2）.adverseselection

3）.moralhazard

4）.psychologicalhazard

5.what’rethedifferenesamongrisk,perilandhazard?

1）.aperilisacauseofaloss.

2）.ahazardisaconditionthatmaycreatorincreasethechanceofalossduetoagivenperil.

3）.ariskisusedtoindicateaconditionthatthereisapossibilityofloss.

6.what’sthedefinitionofinsurance?

1）.fromtheperspectiveofthelegal,insuranceisakindofcontract.

2）.fromtheperspectiveoftheeconomy,insuranceisasystemoftransferingrisk.

3）.fromtheperspectiveofthesociety,insuranceisakindofbehaviorthathelpseachother.

7.what’rethesocialfunctionsofinsurance?

1）.spreadingoutrisks

2）.compensatingforloss

3）.investmentandprovidingforabetterutilizationofcapital

4）.socialmanagement

8.whatarethecharacteristicsofinsurance?

1）.fromtheperspectiveofthelegal,insuranceislegal.

2）.fromtheperspectiveoftheeconomy,insuranceiscommercial.

3）.fromtheperspectiveofthesociety,insuranceishelpful.

9.whatarethedifferencesbetweenthecommercialinsuranceandthesocialinsurance?

1）.theapplicantwhobuyacommercialinsuranceisvolunteer,butthesocialinsuranceisboughtbyacompulsiveway.

2）.thepremiumofthecommercialinsuranceispaidbytheapplicantonly,butthepremiumofthesocialinsuranceispaidbytheapplicant,thecompanythattheapplicantworkinandthegovernment.

10.whatarethecategoriesofinsurance?

1）.lifeinsurance

2）.healthinsurance

3）.accidentalinsurance

4）.properityinsurance

5）.liabilityinsurance

6）.creditinsurance

11.what’sthedefinitionofreinsurance?

reinsuranceisaneconomicalbehaviorcausedbytheinsurertotransferingrisk,becausetheinsurerconcernsthelosswillhaveabadeffectonthestabilityofcompany.

12.what’sthedefinitionofdeductiveclause?

insuranceproceedsarepayableonlyaftertheinsuredhaspaidacertainamountoftheloss.

13.what’sthedefinitionofcoinsuranceclause?

coinsuranceclauseisusedbyjudgingifthesumofmoneycomparedwiththeinsurancebenefitisenoughinpropertyinsurance,forexample,thereisan80%coinsuranceclause,ifthesumofinsurancehasbecome80%oftheinsurancebenefit,theinsurerwillregarditasanenoughsumproposal.

14.what’sthedefinitiono