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Or the insurance company could be a mutual insurance company, in which case the insurance company is owned by the insured.
保险公司也可以是互助保险公司,也就是保险公司的股东就是被保险人
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So they--in other words, the insurance company--doesn't trust the insurance companies to do the calculations like I showed with the binomial theorem.
因此他们...也就是说,他们不放心让保险公司按照二项式定理,自己计算准备金要求
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Moreover, beyond that, how does one know, in taking out an insurance policy, that the insurance company is going to be sound?
除此之外，在人们购买保险时，该如何得知保险公司，会严格按照保单言而守信呢？
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There's the insurance company, could be a corporation and it could be either a non-profit corporation or a for-profit corporation owned by shareholders.
一个保险公司,可以是,非盈利性股份公司,也可以是以盈利为目的的股份公司
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It has to have a contract design; that would be a document, which is a contract between the insured and the insurance company.
它必须有合同设计,那是一个文件,也就是被保险人和保险公司签订的合同
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There have to be regulators that are at least verifying that the insurance company is doing what it says it's going to do.
还必须有监管机构,以确保保险公司将会,履行承诺
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With non-participating--with participating, you are participating in the portfolio outcome that the insurance company is experiencing, so you have some uncertainty about your cash value.
所谓参与式分红保险,是指你的收益来自某个投资组合收益,而这个投资组合是由保险公司来管理的,所以保单的现金价值是不确定的
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The insurance company has to have some way of demonstrating its soundness to the public.
保险公司必须通过一些方法,来证明其偿还能力。
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Then of course, there's the other problem that the insurance company-- how does the insurance company reasonably specify that it can come through on this policy?
之后，对保险公司来说,当然还存在其它问题-,保险公司怎样才能使一份保单上,载明的内容合理而有效被执行呢？
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Now, how can the insurance company ever evaluate every house properly to avoid that?
如今，保险公司是如何准确评估,每一个房屋的价值而避免那种情况呢？
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So, the insurance company with one hundred policies would have still substantial risk.
所以签了100份保单的保险公司,仍然面临一定的风险
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You have to have the insurance company set up with a structure itself that guarantees that they have enough reserves to meet the losses that they might incur.
你得保证保险公司的设立是基于以下前提,即它能保证拥有足够的储存资金,以便用来拟补有可能发生的损失。
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If the insurance company has risk, it's because they've made a mistake.
如果说保险公司有风险的话，那是因为他们犯了一个错误。
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It's not just taking what's given by the insurance company.
而不局限于保险公司的既定投资计划
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They said, it's not going to work because you have to decide how much the house is insured for and then anybody--If you ever make a mistake and you insure it for too much, then the people who realize they've got one on the insurance company-- they've insured the house for more than it's worth-- they'll burn down their house and collect the money.
他们说，火险根本无法实施,因为你必须判断,这房子的保价是多少,一旦你出现了一些失误,保价评估得过高，那些意识到他们可能会从,保险公司赚利的人们-,即保险公司的保价高于房子的实际价值-,他们就会烧掉自己的房子来赚钱。
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It's very hard to start an insurance company because you've got to meet the requirements of all fifty regulators.
开办保险公司是非常不容易的,因为你必须同时满足五十个州的监管要求
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An insurance company must hold the reserves; it can hold more and that's called the statutory surplus.
保险公司必须持有准备金,可以提取更多准备金,这叫做法定盈余
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In order to devise an insurance contact that does this job, we have to have a contract between an insurance company and the insured.
要想设计一个保险合约,要想做这项工作，我们得在保险公司和,被保险人之间建立一个合约。
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Some of the things I said--you'd probably say, well I should have known that an insurance company would have to do that, but it isn't.
对于我说的一些东西，你可能会说，我早就知道,保险公司会如此操作，但事实并非如此。
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The theory of insurance is that ideally an insurance company wants to insure independent events.
保险理论就是在理想状态下,保险公司为独立事件承保
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