商务英语高级词汇保险.docx

1、商务英语高级词汇保险保险 - 高级accelerated benefits (noun phrase) = 提前给付amendment to a life insurance policy that allows the insured to collect benefits before death, usually in cases of extended or terminal illnessMy fathers accelerated benefits helped pay for his time in the hospital. 未提供注释。accidental death ben

2、efit (noun phrase) = 意外死亡保险金an agreement in a life insurance policy that the company will pay an additional amount if the insured dies an accidentMy aunts life insurance policy included an accidental death benefit, so her family received an additional $50,000 after she died in a car accident. 未提供注释。

3、act of God (noun phrase) = 不可抗力a natural event beyond human controlMy insurance policy didnt cover the water damage to my house because the flood was an act of God. 未提供注释。actual cash value (noun phrase) = 实际现金价值ACV; the cost to replace or repair a piece of property, taking into account its age and c

4、urrent conditionMy stereo was so old and worn out that the actual cash value was only ten percent of what I paid for it. 未提供注释。adhesion contract (noun phrase) = 定式合同a contract in which one party has almost no power to negotiate terms and conditionsWe do not plan to negotiate with you, so if you want

5、 this adhesion contract, you have to accept it as it is. 未提供注释。aggregate limit (noun phrase) = 总限额the maximum amount an insurer is responsible to pay for all covered lossesMost people never reach the aggregate limit of their policy. 未提供注释。all-risk insurance (noun phrase) = 全保险type of insurance polic

6、y covering every kind of loss except those specifically named as exclusionsWe are in a dangerous industry, so our company has all-risk insurance. 未提供注释。annuity due (noun phrase) = 期初应付年金an insurance contract that provides cash payments for a specified period of time, made at the beginning of each pe

7、riod rather than at the endWe wanted to receive our monthly payments in advance, so we chose an annuity due. 未提供注释。保险 - 高级 (2)arbitration clause (noun phrase) = 仲裁条款part of an insurance contract stating that claim disputes will be settled through a neutral third party rather than in a court of lawWe

8、 have an arbitration clause in our policies because it reduces the chance of expensive legal battles. 未提供注释。assignor (noun) = 让与人one who transfers property ownership or a legal right to anotherThe property will be ours once the assignor signs the agreement. 未提供注释。binder (noun) = 暂保单a temporary agree

9、ment providing insurance coverage until an official policy is issuedI needed immediate proof of insurance, so the insurance company gave me a binder while it processed my application. 未提供注释。blanket contract (noun phrase) = 一揽子合同a policy that covers property at more than one locationWe bought a blank

10、et contract because our company transports goods between four warehouses. 未提供注释。brand-name drug (noun phrase) = 品牌药a drug sold with a specific trade name by a manufacturer who, in most cases, owns the patentSome health insurance policies wont pay for a brand-name drug when a cheaper alternative is a

11、vailable. 未提供注释。cash value (noun phrase) = 现金价值cash surrender value; the cash amount that is available when the owner of a whole life insurance policy terminates it prematurelyI needed money, so I canceled my whole life policy and took the cash value. 未提供注释。ceding company (noun phrase) = 分出公司in a re

12、insurance transaction, the insurance company that is transferring the riskIn most reinsurance transactions, the ceding company decides how much risk to share with the other companies involved. 未提供注释。certificate of insurance (noun phrase) = 保险凭证a document that summarizes the coverage and terms of an

13、insurance policyMost companies accept a certificate of insurance as proof that a policy exists. 未提供注释。保险 - 高级 (3)claim expense (noun phrase) = 索赔费用the costs of adjusting a claim, such as attorney fees and investigation expenses, excluding the cost of the claimWhen there is a lawsuit about a claim, t

14、he claim expense can be more than the claim itself. 未提供注释。claims analyst (noun phrase) = 索赔分析员insurance professional who examines and evaluates claimsClaims analysts are very thorough and often find problems with claims that others have missed. 未提供注释。claims investigator (noun phrase) = 索赔调查员an insur

15、ance professional who examines claims for fraud or criminal activityThe insurance company manager thought the claim for the fire was suspicious, so he assigned a claims investigator to the case. 未提供注释。claims reserve (noun phrase) = 赔款准备金money set aside to pay claims that still need to be settledWe d

16、ont have much money in our claims reserve because we have very few claims pending. 未提供注释。co-insurance (noun) = 共同保险The portion of each claim that the policyholder must payMy insurance plan covers 80 percent of my medical expenses, so my co-insurance is 20 percent. 未提供注释。combined single limit (noun p

17、hrase) = 综合单一责任限额the maximum amount payable on all property damage related to a single eventThe tornado destroyed four of our buildings, but because of our policys combined single limit, we got only enough money to rebuild three of them. 未提供注释。commercial lines (noun phrase) = 商业险insurance for busine

18、sses, professionals, and professional organizationsSome insurance companies handle only commercial lines of insurance and dont write policies for individuals. 未提供注释。commission (noun phrase) = 佣金the part of a policy premium paid to an agent or insurance salesperson as compensation for servicesCompani

19、es retain their best salespeople by offering large commissions. 未提供注释。保险 - 高级 (4)comprehensive policy (noun) = 综合保险单auto insurance that covers several kinds of damage, including theft and vandalismSomebody broke all the windows on my car, so my comprehensive policy paid for the repairs. 未提供注释。compul

20、sory insurance (noun phrase) = 强制保险insurance coverage that is required by lawCompulsory insurance makes certain that everyone takes responsibility for the damage they cause. 未提供注释。concealment (noun) = 隐瞒the withholding of relevant information on an insurance applicationThe company terminated my frie

21、nds health insurance policy because of his concealment of his heart condition. 未提供注释。consequential loss (noun phrase) = 间接损失loss that results from another loss, such as a reduction in property value due to property damageThe storm destroyed our rental property and the consequential loss of rental in

22、come made our finances very tight. 未提供注释。constructive total loss (noun phrase) = 推定全损a circumstance in which damaged property can be repaired but the cost to do so is more than the property is worthEven though my car still worked after the accident, the insurance company called it a constructive tot

23、al loss because the repair costs were so high. 未提供注释。coordination of benefits (noun phrase) = 保险赔偿金协调in cases where an insured is covered by two or more plans at the same time, the policy statement that defines the order in which each insurance company will pay benefits on the same claimCoordination

24、 of benefits ensures that a policyholder doesnt get paid twice for the same claim. 未提供注释。cost-of-living rider (noun phrase) = 生活费附加条款a life insurance benefit that allows for increases in the benefit payments if the insured becomes disabledOur cost-of-living rider helped us pay the mortgage while my

25、husband was recovering from an injury. 未提供注释。保险 - 高级 (5)covered loss (noun phrase) = 隐蔽损失the specific kinds of damage or destruction for which the insurance company has agreed to payI made sure the damage to my house was a covered loss before I contacted my insurance company. 未提供注释。creditable covera

26、ge (noun phrase) = 可抵免保险an insurance applicants previous coverage, which may be credited to the new policy in order to waive certain exclusions and limitationsYou can apply your creditable coverage to your new policy and avoid the waiting period for pre-existing conditions. 未提供注释。death benefit (noun

27、 phrase) = 死亡保险金the money paid or payable to a life insurance policy beneficiary after the insured person diesThe death benefit from our fathers life insurance policy was enough to cover the funeral. 未提供注释。duplication of coverage (noun phrase) = 保险重复a circumstance in which an insured person has two

28、policies that provide the same coverage at the same timeYou cannot receive payments from multiple policies for the same loss, so duplication of coverage means you are paying for coverage youll never use. 未提供注释。earned premium (noun phrase) = 实收保险费an insurance accounting principle; the portion of the

29、payment for an insurance policy that has been applied to coverage as opposed to the portion that applies to future coverageYou cannot get a refund of an earned premium because the insurance company applied that money to your past coverage. 未提供注释。elimination period (noun phrase) = 剔除期间the period of t

30、ime that certain types of insurance recipient must wait before payments beginMy insurance has a 30-day elimination period, so I may have to borrow some money until I start getting paid. 未提供注释。endorsement (noun) = 背书part of an insurance policy that states the addition or deletion of coverage from the

31、 standard policyMy renters insurance has an endorsement that will cover my rent for six months if Im unemployed. 未提供注释。保险 - 高级 (6)endowment insurance (noun phrase) = 养老保险a type of life insurance whose value becomes payable on a specified date or when the insured diesMany people buy endowment insuran

32、ce as part of a retirement plan. 未提供注释。evidence of insurability (noun phrase) = 可保性证明proof that a health or life insurance applicant meets an insurance companys requirements for physical fitnessMost insurance companies wont issue a policy until an applicant has submitted evidence of insurability. 未提供注释。expecte