An insurance company has reserves and it has enough reserves to cover them for a certain number of accidents.

保险公司一般都有准备金,准备金的数量一般保持在,刚刚够赔偿一定数量的保单

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He is more likely to think like an actuary or a CPA or an insurance agent, always calculating the odds and finding ways to cover the damages.

他们更可能做保险员，注册会计师,或是保险代理人，因为这样的人更容易把握事情胜负的几率,以及时有效地找到补救之法。

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They have to pay--the premium has to cover the costs, so it was tough to get someone to buy life insurance even though they really needed it--it was such a good idea for them.

因为保费必须要超过保险公司的成本,因此,尽管寿险很好,人们也需要它,但是真正要说服人们购买,却是很困难的

耶鲁公开课 - 金融市场课程节选