保险术语

1.specialpremiumrate特殊费率2.valuationnetpremium评估净保费3.grosspremiumreserve毛保费准备金（基于毛保费计提的准备金）4.guaranteedinterestratereserve保证利率准备金5.indirectclaimexpense间接理赔费用（无法直接确认到每个赔案的理赔费用）6.directclaimexpense直接理赔费用（可以直接确认到每个赔案、与案件理赔直接相关的费用）7.averagepaymentperclaim案均赔款8.eligibleturnover适保出口额（适用保单条款的出口金额）9.underwriter核保人10.totallypermanentdisabilityrate高残率11.survivalrate生存率12.basicsuminsured基本保额13.limitofindemnity责任限额14.pureriskpremium纯风险保费15.extrahealthpremium健康加费16.extraoccupation-relatedpremium职业加费17.otherextrapremium其他加费18.premiumduedate保费应收日期19.lastpremiumpaymentyear终止缴费年度20.receivablepremiumoverdue逾期应收保费21.initialpremium首期保费22.premiumforinvestment-linkedproduct投资型保险保费23.loanpremium垫缴保费24.effectivetimeofpolicy;insuranceliabilityattachmenttime保单起保时间25.terminaltimeofpolicy保单终止时间26.shorttermpremiumrate短期费率27.reinstatementperiod复效期间28.reinstatementrate复效利息29.accountvalue账户价值30.guaranteedyield保证收益31.coupon生存现金32.corporateannuityplanperiod企业年金计划受托期限33.claimwaitingperiod赔偿等待期34.claimcasecancellationreason案件注销原因35.claimsettlementprocess理赔36.directclaimpaymentamount直接赔款37.claimspayable应付赔款38.policybenefitpayment保单利益支出金额39.guaranteedannuitydrawingperiod保证领取年限（养老保险合同中规定可以领取养老金的最低保证年限）40.premiumretained自留保费41.claimretained自留赔款42.minimumreinsuredamount最低分出额43.finalreinsurer最终接受人44.fixedreinsurancecommissionrate固定分保手续费的比率45.subsequentcommission续期手续费46.extractablecommission可提佣金47.commissionshare佣金拆分48.unitsinsured承保数量49.actualpremiumcollected实收签单保费50.fixed-amountannuity定额年金51.variable-amountannuity变额年金52.increasing-amountannuity增额年金53.waitingperiod等待期54.extrapremium;additionalpremium额外保险费55.premiumloading保单加费56.premiumreceivable应收保费57.dividendaccumulationinterestrate红利累积利率58.renewalcommissionRYC续年度佣金