被保险人insured理赔claimsettlement
承保利润微薄underwritingprofitis
承保能力insurancecapacity
承保业务underwritingoperation
未决赔款储备金reserveIBRN
大数法则LawofLargeNumbers营业额turnover
市场缺陷marketimperfections社会保险socialinsurance
个人代理人personalagent
银行保险bankinsurance
直销straightpin
佣金brokerage
手续费commissioncharges
再保险reinsurance
2、财产保险
财产保险propertyinsurance长尾long－tail长期护理保险long—termcareinsurance
短尾short－tail综合赔付率combinedratio
自留retention
车险autoinsurance
财产保险propertyinsurance
责任保险liabilityinsurance
农业保险agriculturalinsurance
巨灾保险catastropheinsurance
意外伤害保险casualtyaccidentinsurance
3、寿险词汇变额寿险variablelifeinsurance长寿保险insuranceonlastsurvivor定期寿险terminsurance合同储蓄机构contractualsavinginstitutions红利dividend疾病保险sicknessinsurance简易险industrialinsurance健康保险healthinsurance巨额医药费保险majormedical"insurancepolicy可变保费寿险flexible—premiumlifeinsurance利差损interestspreadrisk
利率敏感型产品interest—sensitivewholelife赔期/期限indemnityperiod/limit普通寿险ordinarylifeinsurance人寿保险lifeinsurance预定利率市场化
Market-basedAssumedInterestRate团险groupinsurance限期缴费终身寿险limited—paymentwholelifeinsurance养老保险endowmentinsurance
医疗保险insuranceformedicalcare医疗费用保险medicalexpenseinsurance终身寿险wholelifeinsurance准备金reserve
伤残收入保险disabilityincomeinsurance失能incapacity
可变万能寿险Variable-universallifeinsurance
可变年金Variableannuity
评估价值AppraisalValue
内含价值EmbededValue
新业务价值ValueofNewBusiness
税收优惠taxbreak
税收递延型养老保险Deferredtaxendowmentinsurance
大病医疗保险Largequantitymedicalinsurance
分红保险ParticipatingInsurance
传统保险traditionalinsurance
理财型保险financialplanningorientedinsurance
投资连结寿险unit—linkedlifeinsurance
4、保险偿付能力
风险资本要求risk—basedcapital
固定最低成本要求fixedminimumcapitalrequirement
保险偿付能力监管insurancesolvencyregulation
保险监管信息系统InsuranceRegulatoryInformation
System
财务分析跟踪系统FinancialAnalysisTrackingSystem
偿付能力Solvency
偿付能力不足insolvent
认可资产admissibleassets
第二部分保险资产管理
1、行业主体和监管
保险资产管理insuranceassetmanagement
保险法insurancelaw
保险资产管理公司insuranceassetmanagementcompany
中国人保集团People'slnsuraneeCompanyofChina（简称PICC）中国人保资产管理公