保险英语复习0811030302期中复习.doc

保险英语复习 Unit One Risk一、Text A The Meaning of Risk （一）Words and Expressions:1. hazard n. 风险因素2. uncertainty n.不确定性3. unpredictability n.不可预测性4. unfortunate adj. 不幸的5. favorable adj. 有利的6. outcome n.结果7. collapse vi. n.倒塌8. possibility n. 可能性（二）Say whether the following statements are true or false.1. Risk implies some form of uncertainty about an outcome which is favorable to us. F2. Risk is unpredictability the tendency that actual results may differ from predicted results. T3. Uncertainty is independent on being recognized as existing by people. T4. The child may escape free of injury when he was playing in the middle of a busy road, but it does not mean that there is no risk. T5. Uncertainty is connected more to the event itself, rather than to any personal perception of the existence of uncertainty. T（三）Translate the following sentences into English.1. 风险即为损失的不确定性。Risk is the uncertainty of loss.2. 如果运用保险，可以大大减轻可能造成的经济损失。If insurance is applied, the financial loss can be greatly alleviated. 3. 风险是损失的可能性。二、Text B The Classification of Risk（一）Words and Expressions:9. financial risk 财务风险10. non-financial risk 非财务风险11. pure risk 纯粹风险12. speculative risk 投机风险13. fundamental risk 基本风险14. particular risk 特定风险15. break-even adj.不赔不赚的16. gain n.利益17. personal adj.个人的18. impersonal adj.非个人的（二）Say whether the following statements are true or false.6. Personal injury cant be measured financially. F7. The choice of a new car is not a risky situation. F8. Pure risks are for loss situations only. F9. Investing money in share belongs to speculative risk because there is a chance of gain. T10. Fundamental risks involve not only natural disasters but also social change, political intervention and war. T（三）Put the following passage into Chinese.1. P12（四）Tran slate the following sentences into English.4. 风险可以被分成很多类别。Risks can be placed into many classes.5. 非财务风险就是指后果不能以金钱来衡量的风险。A non-financial risk is one where the outcome is not measurable financially.6. 他学保险不是因为他认为保险有趣，而是因为他毕业后想去保险公司工作。7. 纯粹风险的后果是对我们不利的。The outcome of pure risks is unfavorable to us.8. 财产的失窃会被看作特定风险。Theft of property is capable of being considered as particular risk.三、Text C The Management of Risk （一）Words and Expressions: 19. physical risk control 物质风险控制20. financial risk control 财务风险控制21. pre-loss risk reduction 防损22. post-loss risk reduction 减损23. risk retention 风险自留24. risk transfer 风险转移25. identification n.识别26. analysis n.分析27. frequency n.频率28. severity n.严重程度（二）Say whether the following statements are true or false.11. Risks must be identified after they are measured. F12. The principles of risk management are applicable both in the service sectors and in the manufacturing sectors. T13. We are only concerned with what can be insured when considering risk identification. F14. To measure a risk, we first analyze past experience and then gather information. F15. Post-loss risk control imagines that the risk has occurred and takes steps to reduce the effect of the loss to the smallest degree. T（三）Put the following passage into Chinese.2. P20（四）Tran slate the following sentences into English.9. 说太多我们为什么要学风险管理没有意义。There is no point no saying too much about why we learn risk management.10. 保险在我国跟在国外一样流行。Unit Two Risk and Insurance一、Text A The Attitude to Risk（一）Words and Expressions: 29. risk awareness 保险意识30. take out 购买,投保（四）Translate the following sentences into English.11. 影响人们对保险需求的主要因素是人们对风险的态度。12. 保险提供的主要服务是风险转嫁机制的服务。13. 被保险人交纳保险费，可将风险转嫁给保险人。二、Text B The Nature of Insurable Risk（一）Words and Expressions: 31. fortuitous n.偶然性32. financial value 经济价值33. insurable interest 保险利益34. homogeneous exposures/risks 同质风险35. public policy 公共道德36. the law of large numbers 大数法则37. premium n.保险费38. compensation n. 赔偿39. forecast v. 预测40. material damage to property 财产的实质损坏（二）Say whether the following statements are true or false.16. It is not possible to insure against an event which will definitely occur. Since death of a person is inevitable, it cannot be insured. F17. Any loss or damage caused on purpose by other people cannot be considered fortuitous even if the insured does not know what will happen. F18. The essence of insurance is to remove the risk and provide financial compensation. F19. Traditionally, fundamental risks are not insurable because they are widespread and indiscriminate. T20. War, changing customs, inflation and terrorism are not usually insurable. T（三）Put the following passage into Chinese.3. P33（四）Translate the following sentences into English.14. 事件的发生必须是完全偶然的，这是保险中的一项普遍原则。Its a common principle in insurance that the happening of the event must be entirely fortuitous. 三、Text C The Classes of Life Insurance（一）Words and Expressions:41. term life insurance 定期寿险42. whole life insurance 终身寿险43. endowment insurance 两全保险44. more than one life 联合寿险45. group life insurance 团体寿险46. the sum/amount insured 保险金额47. a specified period 规定期间48. the maturity date 到期日49. survive v. 存活50. term of service 服务期51. insurance certificate n. 保险凭证52. in force 有效的，现行的53. contingent a.偶发的，意外的（二）Say whether the following statements are true or false.21. Term insurance is the simplest and oldest form of insurance. T22. The sum insured is payable as long as death occurs in whole life insurance. T23. The sum insured is payable in the event of death within 20years. F24. A contingent insurance provides for the sum insured on the death of all the lives insured. F25. Employers sometimes arrange group life insurance for their employees. T（三）Put the following passage into Chinese.4. P39（四）Translate the following sentences into English.15. 新的安全规则现已生效。The new safety regulations are now in force.16. 在我国，低收入的人买不起车。Unit Three An Introduction to Insurance 一、Text A Insurance（一）Words and Expressions:54. risk transfer mechanism 风险转移机制55. peace of mind 宁静的心境、平和心态、心理安慰56. exchangefor v. 交换57. recover v. 恢复58. passing interest 暂时的利益59. relieve v. 减轻，免除60. the primary function of insurance 保险的基本职能61. social benefit 社会效益（二）Say whether the following statements are true or false.26. If you insure your car against theft, it means the risk is removed. F27. A managing director can exchange his uncertainty for certainty and his premium can be looked upon as a certain loss to the business. T28. Insurers can not only enhance their own profit, but also contribute to a general reduction in the economic waste which follows from losses. T29. Insurance is generally concerned with the non-financial risks. F30. The owner of business has funds available to recover from a loss so that he can continue his business activity. T（三）Put the following passage into Chinese.5. P46（四）Translate the following sentences into English.17. 保险是一种风险转移机制。Insurance is a risk transfer mechanism.18. 保险本身并不能消除风险，保险只是为因遭受风险损失的人提供经济补偿。Insurance doesnt relieve itself from risk. What insurance can do is to provide financial compensation to those who suffer from the losses.19. 保户交纳保费，可将不确定性变为确定性。The insured can exchange his uncertainty for certainty by paying a certain premium.20. 保险的社会效应是，人们维持他们的工作，有收入来源。二、Text C Special Features of Life Insurance（一）Words and Expressions:62. the event (being) insured 保险事件，保险事故63. policy(insurance) period(term) 保险期限64. level premium均衡保费,risk premium （风险保费）,savings premium （储蓄保费），lump-sum premium趸交保费65. effect a policy(an insurance) 取得保单，投保66. policyholder n.保单持有人67. with-profit policy 分红保单participating policy 分红保单68. without-profit policy 不分红保单69. the basic sum/amount insured 基本保险金额70. reversionary bonus期末红利71. surrender value 退保金 cash value 现金价值72. issue v. 签发（保单） renew v.续保 renewal n.续保73. paid-up policy 缴清保单74. prior to 在之前（二）Say whether the following statements are true or false.31. In life assurance, the event assured is what is certain to happen. F32. Life assurance premiums can be paid once every month, every three month, every half-year or every year. The amounts paid are different during the period of the policy. F33. Those policyholders who have with-profits or participating policies will surely gain bonuses no matter whether the company has a surplus or not. F34. Some policies dont allow a surrender value and surrender within the first few years of any policy will not normally produce an amount for the policyholder. T35. For a paid-up policy, the premiums are not paid any longer and the policy still continues, but the sum paid to the policyholder will be smaller. T（三）Put the following passage into Chinese.6. P59（四）Translate the following sentences into English.21. 寿险的特点与其他种类保险的特点不同。The features of life insurance are different from the features of other types of insurance.22. 对一个公司来说，跟上市场的要求是很重要的。It is very important for a company to keep pace with the demands of market.23. 在最后期限这前，这保单是有效的。Prior to the maturity date, this policy is in force.Unit Four Insurance Practice一、Text A The Task of the Underwriter（一）Words and Expressions:75. peril 风险事故76. physical hazard物质风险因素 moral hazard心理风险因素77. underwriter 承保人78. common pool 共同基金79. the subject-matter of insurance 保险标的80. slip 承保条（二）Say whether the following statements are true or false.36. The person carrying the risk is known as an insurer. T37. Assessing the risk which people brings to the pool is one of the tasks of the underwriter. T38. Moral hazard is the hazard attaching to what is being insured. N39. The nature of construction of a building is a kind of peril. N40. The underwriter must attempt not only to identify physical hazard but also moral hazard. T（三）Put the following passage into Chinese.7. P65（四）Translate the following sentences into English.24. 道德风险因素涉及人的态度和行为。Moral hazard is concerned with the attitude and the conduct of people.25. 他常将小汽车投保第三者责任险。He usually has his car insured against the third party liability.26. 他的保险单为他提供了火灾保险。His policy gives him the protection against fire.27. 危险事故是指给事物本身造成损失的事件。The peril is the event giving risk to the loss itself.二、Text B Handling Claims（一）Words and Expressions:81. claim department 理赔部82. claim form 索赔单83. loss adjustor 损失理算师84. broker 经纪人（二）Say whether the following statements are true or false.41. Brokers do not have authority to handle claims. F42. The majority of claims are often dealt with by someone other than the insurance company. F43. The insured can make a claim for lost or damaged item with a proof. T44. The cost for the level of expertise required would be huge. T45. The insured has the duty to take reasonable steps to minimize the lost. T（三）Put the following passage into Chinese.8. P72（四）Translate the following sentences into English.28. 赔款的最终费用取决于损失的程度和保险单承保的责任范围。The eventual cost of the claim will depend on the severity/extent of loss and on the cover afforded by the policy.29. 这个公司的赔付率上升了50%。30. 当损失发生时，被保险人要填写索赔单，证明损失金额。When loss and damage happened, the insured must fill in the claim form and prove the value /sum/amount of loss.Unit Five Policies and Insurance 一、Text A Insurance Regulation（一）Words and Expressions:85. compulsory insurance 强制保险86. surveyor 检查员（二）Say whether the following statements are true or false.46. The existence of insurance eliminates the states burden. T47. The insurance is for liability against injury, including that of nuclear sites. F48. It is of value in awarding damages to someone if there is money to meet the award. T49. It is for national concern that insurance has been made compulsory. T50. All the expertise available from insurers may not improve the risk. F（四）Translate the following sentences into English.31. 第三者责任险是指人身伤亡和财产损失。32. 每个雇主都必须投保其雇员的责任保险。Every employer has to insure against his liability for his employees. 33. 从法律角度来看，保险保障的重点放在伤害上。Insurance emphasizes the importance placed upon injury in the eyes of the law.二、Text B Financial Policies and Insurance（一）Words and Expressions:87. total demand in the economy 经济总需求 88. interest rates 利率 89. exchange rates 汇率 90. taxation system 税制 91. financial policy 金融政策92. expansionary (contractionary) monetary policy 扩张性(收缩性)货币政策93. expansionary (contractionary) fiscal policy扩张性(收缩性)财政政策（二）Say whether the following statements are true or false.51. A contractionary policy will increase the demand for insurance. F52. People will want more insurance cover for their additional assets. T53. The higher the rates of interest will be, the more profit the insurer will get. T54. Monetary and fiscal policy can affect interest rates, but not exchange rates. F55. Changes in the rate of income tax affect the insurance company. T（四）Translate the following sentences into English.34. 人寿保险单时间越长，积累的现金价值就越大。The longer the life insurance policy is, the more amount of cash value will be.35. 货币政策不仅影响汇率，而且还影响着保险业。36. 货币与财政政策能用来增加或减少经济的需求。The monetary policy and fiscal policy can be used to increase or decrease the total demand in economy.Unit Six Contract and Law一、Text A Offer and Acceptance（一）Words and Expressions:94. invitations to treat 要约邀请 95. offer 要约 counter-offer 反要约96. acceptance 承诺 （二）Say whether the following statements are true or false.56. The display of price-marked goods in a shop is an invitation. F57. A person will win a reward for returning the lost goods if he has already learned of the reward before returning them to the owner. T58. Since an acceptance must be unqualified, the offeree cant vary any single insignificant conditions. F59. An acceptance is not effective until it is communicated by the offeree themselves. F60. If an offer has been made and then accepted, a contract will come into existence. F（四）Translate the following sentences into English.37. 在英国法律中，协议的订立通过要约和承诺过程。38. 一般认为，商店里标价商品的陈列也只是要约邀请。It is generally accepted that the display of price-marked goods in a shop is merely an invitation to treat.39. 关键的一点是承诺必须是无条件的，也就是必须完全符合要约的条款。The key point is that the acceptance must be unqualified, in other words is must exactly match the terms of the offer.二、Offer and Acceptance in Insurance（一）Words and Expressions:97. prospectus 保险计划书、保险建议书98. standard premium rate 标准费率99. proposer 投保人 insurer 保险人 insured 被保险人 beneficiary 受益人100. proposal form 投保单101. intermediary 中间人（二）Say whether the following statements are true or false.61. A prospectus containing details of cover and standard rates published by an insurer is an offer. F62. Only the proposer can make an offer. F63. Often there is always long negotiation before an insurance contract is concluded. T64. Generally speaking, an acceptance must be communicated to the offeror unless unnecessary. T65. If the proposer acts in reliance on an offer made by insurer, this means that the proposer will accept the offer. T（四）Translate the following sentences into English.40. 任何合同都有要约和承诺。Any contract includes offer and acceptance.41. 保险人在办公室将寿险保单交给了被保险人袁军。The insurer submitted the life insurance policy to the insured Yuan Jun in the office.Unit Seven Insurable Interest and Utmost Good Faith一、Text A Insurable Interest（一）Words and Expressions:102. insurable interest 保险利益103. the type of insurance 险种104. full disclosure 完全告知105. by way of indemnity 以损害补偿的方式 （四）Translate the following sentences into English.42. 从最坏处讲，拥有为某些并不具有保险利益的财产投保的权利，有可能诱惑投保人实施纵火罪。At worst, a right to insure property in which one has no interest may(might) tempt the policyholder to commit arson.43. 法律通过要求保险利益来遏制将保险用作赌博的做法。The laws sought to discourage the practice that insurance policies were used as gambling by imposing a need for insurable interest.二、Application of Insurable Interest（一）Words and Expressions:106. mortgagee 受抵押人mortgagor抵押人107. trustee 受托人108. bailee 保管人109. part owner 共有人 joint owner 合伙人三、Text C Utmost Good Faith（一）Words and Expressions:110. principle of utmost good faith 最大诚信原则111. material facts 重要事实112. misrepresentation 虚假陈述113. non-disclosure 不告知（四）Translate the following sentences into English.44. 最大诚信原则在保险合同中是十分重要的。45. 被保险人有义务向保险人公开所有相关的事实，不管问及与否。It is the duty of the insured to make a full disclosure of all the material facts to the insurer whether he is asked or not.46. 在寿险保单中，被保险人应公开以前的医疗史。In life insurance, the insured must disclose his previous medical history.Unit Eight Proximate Cause一、Text A Definition of Proximate Cause（一）Words and Expressions:114. proximate cause 近因115. active, efficient cause 能动的，有效的原因116. dominant cause