保险专业英语(单词+简单问题)(主要应对面试)

1/161.再保险reinsurance2.投保人applicant3.保险人insurer4.被保险人insured5.受益人beneficiary6.暂保单covernote7.保险单policyofinsurance8.投保单proposalform9.保单certificateofinsurance10.批单rider11.简易保单（保险凭证）theslip12.除外条款clauseofexceptions13.免赔额条款deductibleclause14.共保条款coinsuranceclause15.责任条款dutyclause16.代位求偿条款subrogationclause17.偿付能力insolvency18.监管regulate19.欺骗性的deceptive20.保费prepium21.投机speculate22.投保topropose2/1623.保险利益insurableinterest24.人寿保单lifeassurancepolicy25.债权人creditor26.债务人debtor27.定期保单timepolicy28.养老保险、年金保险annuitiesinsurance29.交税延期tax-postpone30.巨灾catastrophe31.欺诈行为fraud32.养老基金pensionfund33.保险责任coverage34.保险密度insurancedensity35.保险深度insurancepenetration36.遗产heritage37.准备金reserves38.禁止反言estoppel39.弃权waiver40.解除合同dissolutionofcontract41.保单现金价值cashvalue42.不可抗辩条款incontestableclause43.年龄误告条款misstatementofage44.宽限期条款graceperiodprovision3/1645.复效条款reinstatementprovision46.自杀条款suicideclause47.不丧失价值条款non-forfeiturevaluesandoptions48.保单贷款条款policyloanclause49.自动垫缴保费条款automaticpremiumloanclause50.保险金给付任选条款settlementoptions51.定期寿险termlifeinsurance52.终身寿险wholelifeinsurance52.生存保险pureendownmentinsurance53.两全保险endowmentinsurance54.分红保险participatinglifeinsurance55.万能寿险universallifeinsurance56.投资连结保险unit-linklifeinsurance57.健康保险healthinsurance58.疾病保险diseaseinsurance59.医疗保险medicalinsurance60.失能收入损失保险disabilityincomeinsurance61.长期护理保险long-termcareinsurance62.意外伤害保险accidentalinsurance63.等于equalto64.乘以multiplyby65.除以divide4/1666.加上plus67.减去minus68.人身保险personalinsurance69.团体人身保险grouppersonalinsurance70.机动车辆保险automobileinsurance71.家庭财产保险insuranceofcontents71.企业火灾保险fireinsurance72.企业工程保险engineeringinsurance73.建筑工程保险constructioninsurance74.安装工程保险erectioninsurance75.货物运输保险cargotransportationinsurance76.利润损失险lossofprofitinsurance77.1.what’sthedefinitionofrisk?riskmeansuncertaintyaboutfuturelossortheabilitytopredicttheoccurrenceorsizeofaloss.5/162.what’rethetypesofrisks?pureriskandspeculativerisk1).pureriskmeansthattheriskcanonlysufferlossandhavenochancetogainbenefit.2).speculativeriskmeansthattheriskisabletogainbenefitwhilesufferingloss.3.whatarethewaysofhandingrisks?1).riskavoidance2).riskdispersal3).losscontrol4).riskrestraining5).riskretention6).risktransfer4.what’rethekindsofhazards?1).physicalhazards2).adverseselection3).moralhazard4).psychologicalhazard5.what’rethedifferenesamongrisk,perilandhazard?1).aperilisacauseofaloss.2).ahazardisaconditionthatmaycreatorincreasethechanceofalossduetoagivenperil.6/163).ariskisusedtoindicateaconditionthatthereisapossibilityofloss.6.what’sthedefinitionofinsurance?1).fromtheperspectiveofthelegal,insuranceisakindofcontract.2).fromtheperspectiveoftheeconomy,insuranceisasystemoftransferingrisk.3).fromtheperspectiveofthesociety,insuranceisakindofbehaviorthathelpseachother.7.what’rethesocialfunctionsofinsurance?1).spreadingoutrisks2).compensatingforloss3).investmentandprovidingforabetterutilizationofcapital4).socialmanagement8.whatarethecharacteristicsofinsurance?1).fromtheperspectiveofthelegal,insuranceislegal.2).fromtheperspectiveoftheeconomy,insuranceiscommercial.3).fromtheperspectiveofthesociety,insuranceishelpful.9.whatarethedifferencesbetweenthecommercial7/16insuranceandthesocialinsurance?1).theapplicantwhobuyacommercialinsuranceisvolunteer,butthesocialinsuranceisboughtbyacompulsiveway.2).thepremiumofthecommercialinsuranceispaidbytheapplicantonly,butthepremiumofthesocialinsuranceispaidbytheapplicant,thecompanythattheapplicantworkinandthegovernment.10.whatarethecategoriesofinsurance?1).lifeinsurance2).healthinsurance3).accidentalinsurance4).properityinsurance5).liabilityinsurance6).creditinsurance11.what’sthedefinitionofreinsurance?reinsuranceisaneconomicalbehaviorcausedbytheinsurertotransferingrisk,becausetheinsurerconcernsthelosswillhaveabadeffectonthestabilityofcompany.12.what’sthedefinitionofdeductiveclause?insuranceproceedsarepayableonlyafterthe8/16insuredhaspaidacertainamountoftheloss.13.what’sthedefinitionofcoinsuranceclause?coinsuranceclauseisusedbyjudgingifthesumofmoneycomparedwiththeinsurancebenefitisenoughinpropertyinsurance,forexample,thereisan80%coinsuranceclause,ifthesumofinsurancehasbecome80%oftheinsurancebenefit,theinsurerwillregarditasanenoughsumproposal.14.what’sthedefinitionofdutyclause?thepartiestoaninsurancecontractareobligatedtoperformthedutiesimposedbythecontract.15.what’sthedefinitionofsubrogationclause?ifaninsurancecompanypaysaclaimtoaninsuredforliabilityorpropertydamagecausedbyathirdparty,theinsurersucceedstotherightoftheinsuredtorecoverfromathirdparty.16.what’sthedefinitionofinsurancecontract?insurancecontractisanagreementwhichstipulatesrightsandobligationsofapplicantsandinsurers.17.what’sthedefinitionoftheprincipleofinsuranceinterest?insuranceinterestclausemeansthattheapplicant9/16andtheinsuredmusthaveinterestofsubject-matterinsured.18.howtoaffirmtheinsuranceinterestinthepropertyinsurance?ifapersonhassomerightsofonething,suchasownership,rightsofpossession,righttouse,creditor’srightsandsoon,thepersonhastheinsuranceinterestofthething.19.what’rethesignificancesoftheprincipleofinsuranceint