The bonds can be viewed as a kind of catastrophe insurance for which a premium is received in return for a small chance of a big loss.
债券可以被看做是一种可能带来灾难的保险，因为它可以获得报酬，同时遭受严重损失的概率又很小。
The organization agrees to pay a fixed premium, in return, the insurance company agrees to meet any losses which fall within the terms of the policy.
企业同意支付一定数额的保费，反过来，保险公司同意承担保单条款范围内的任何损失。
The most popular life-insurance products tend to be simple: pay a premium for 10-15 years and get a return, plus protection for your family in the case of death.
最受欢迎的人寿产品往往十分简单：在10到15年中缴纳保费，就能获得收益，万一遭遇不幸，家庭还能获得额外的赔偿。
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