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It's like an insurance where people imagine they're insuring people's lives and they think that their deaths are all independent.
或许这有点像保险,在人寿保险中,每个人的死都被假定为相互独立的。
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Whole life" is more complicated because it builds a cash value according to a schedule and there is both non-participating and participating.
终身人寿保险则更为复杂,因为它会按照购买计划产生现金价值,其中又分为非参与式分红保险和,参与式分红保险两种
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If you didn't really believe you were going to die, that is undergo bodily death, why would you take out life insurance?
如果人们不相信自己会死，不相信肉体的消亡，那为什么买人寿保险？
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Ideally, life insurance is insuring people-- or fire insurance is insuring people-- against independent events, so it's not the fire of London.
理想状态下,人寿保险,或者是火灾险,承保的对象都是独立事件,伦敦大火的例子不在讨论范围
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Another kind of monoline insurance is health insurance company that merely insures people against health costs, and another important category is life insurance.
另一类单线保险公司是健康保险公司,它们专门为人们的医疗费用提供保险,另外一个重要的分类是人寿保险公司
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People, for example, take out life insurance so that-- well, here's what seems to be the explanation.
比如人们，为自己买人寿保险-,这个行为的理由可能就是。
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In the case of life insurance, they developed actuarial tables that require a collecting of statistics.
就人寿保险来说，还需要开发出精准的表格,这需要收集很多统计数据。
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An insurance policy--the concept is very simple, we could talk about fire insurance or life insurance.
保单的概念其实很简单，我们可以谈谈火灾保险，或者人寿保险。
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Life insurance is actually an insurance against one of you dying; it's a very unpleasant topic.
人寿保险实际上是为死亡投保,这是个让人极度不快的话题
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If someone comes to your home and says, I would like to sell you life insurance.
如果有个人敲开你家的门并对你说,我是来向您出售人寿保险的
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We have to exclude certain causes, like suicide, in the case of life insurance.
我们得排除某些特定情况，例如在人寿保险中自杀为除外责任。
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There's something called "universal life"-- these are all explained in Fabozzi, et al.
还有一种叫做综合性人寿保险,在法博齐的著作中有所提及
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That's what you need to know if you're going to do life insurance.
如果你想从事人寿保险,你必须对它有所了解
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The simplest form of life insurance is called "term insurance."
最简单的寿险保单形式叫做定期人寿保险
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And for all I know, Ivan Ilyich had life insurance.
而且也有买人寿保险。
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And he buys life insurance accordingly.
而他也因此购买人寿保险。
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The big problem life insurance had was people would buy it and they'd pay for several years and eventually they would think, well we didn't die, we're losing all this money, let's just cancel the insurance.
人寿保险的一个主要问题是,人们在购买了若干年保险后会突然觉得,我们并没有死,保费白花了,我们干脆把保险取消好了
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