主题：〖Life Insurance －人寿保险〗

随着保险业在中国的迅速发展, 保险从业人员也越来越多, 而对此的谈论也成为人们茶余饭后的一大时尚! 为此,我们特为您收集了有关Life Insurance即人寿保险的有关内容，好让您在英语交流晚会，英语沙龙等活动场所一展所长！或者可以跟老外谈谈这方面的内容,他/她一定会觉得很有意思。因为他们碰上的大多数中国英语学习者总是问他们：What do you think of China?! 说到不如做到，请火速行动, 彻底将它们“私有化”！

Life polices( 人寿保险单）differ from other forms of insurance in several ways. They are not contracts of indemnity( 损失金额），so there is theoretically no limit to the amount of cover( 保险金额），or the number of policies, that may be taken out on a particular life. Furthermore, unlike fire, marine and accident policies, life polices always result in a claim( 索赔）。

An endowment policy( 养老保险单）is a useful way of saving. It is an asset( 财产 ) that may be used as security against a loan, and after a few years it acquires a surrender value( 退保金额）：in other words you can cancel the policy and get back a substantial amount of the premiums(保费）you have paid.

Participating, or with-profits endowment policies（分红保单）are even more attractive,since the sum assured is increased every year by a bonus（红利）based on the profits made by the company. The bonus can be paid as a lump sum(一次全部地）at the end of the insurance, or used to reduce the annual premium. It can even be filed sum agreed in advance , without regard to actual profits.

Another special type of life policy, often taken out by people without dependants, is the annuity（年金保险）. In the simplest form you pay a lump sum to the insurance company, and then receive a fixed annual payment until your death. Clearly this is something of a gamble, but the gambling element may be removed if the company engages to pay a fixed sum either to you or your heirs for a fixed number of years.

Other forms are the deferred annuity（递延年金）, when payment does not start until so many years after the premium is paid, and the reversionary annuity（抚恤年金）， which is payable on the death of a third party. All annuities, however, must be considered somewhat speculative in a place of inflation and declining money values.

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相关词组：

accident insurance
意外伤害保险 burglary insurance
盗窃保险 casualty insurance
不幸事故保险
fire insurance
火灾保险 employment insurance
就业保险 education insurance
教育保险
petty insurance
小额保险 group life insurance
团体人身保险 personal insurance
人身保险
health insurance
健康保险 hospitalization insurance
医疗保险 labor insurance
劳动保险
term insurance
定期保险 property insurance
财产保险 insurance policy
保险单
cargo transportation insurance
货物运输保险 individual accident insurance
个人伤害保险

comprehensive insurance / all-risk policy insurance
综合保险
unemployment / jobless insurance / insurance for unemployment
失业保险

Well done. Thank you very much.