2023年保险专业英语单词简单问题主要应对面试

1.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ｔｏpｒｏpoｓｅ2３.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．严禁反言eｓtoppel3９.弃权waivｅr40.解除协议disｓoluｔｉｏnofcｏntrａcｔ4１.保单钞票价值ｃashｖａlue42.不可抗辩条款ｉｎconｔesｔabｌeclａｕse43.年龄误告条款ｍisstaｔｅmentofage4４.宽限期条款graceperｉｏdprovision４5.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divide6６．加上ｐlｕｓ67.减去mｉnuｓ68.人身保险peｒsonaliｎｓｕrance69.团队人身保险groｕｐpersoｎalinｓuｒance70.机动车辆保险autoｍobｉleinsuraｎcｅ71.家庭财产保险ｉnｓｕｒanceofcontｅntｓ７1.公司火灾保险fireｉnsurancｅ72.公司工程保险ｅngｉｎeeｒinginsurance73.建筑工程保险coｎstructｉoninｓｕrance７4．安装工程保险eｒeｃtioｎｉnsuranｃe75.货品运送保险caｒgoｔｒａnｓpｏrtａｔioninsuｒance76.利润损失险lｏｓsofprofitiｎsurancｅ77.１.ｗｈat’ｓthｅdefiｎｉtionoｆriｓk?risｋmｅansuｎceｒtaｉnｔｙaboｕtfｕtureｌoｓsorｔheaｂｉlityｔopredｉcttｈeoccｕrｒeｎceｏrsｉzeoｆaloｓs．2．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．3）.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.wｈaｔａrｅｔhｅｄｉfferencesbeｔweenthｅcｏｍmｅrcｉａｌiｎsuｒanceaｎdthesociａliｎsｕrａnce?1)．tｈeapｐlicａntwhobuｙａcoｍmercialinｓuranceiｓvoｌunteer，ｂｕtｔheｓｏciａliｎsuranceｉsboｕｇhtbyacｏmpulsiveway.2).tｈepremｉumoftheｃommｅrcialinsuraｎｃｅispaiｄbytｈeaｐplicantonly,ｂutｔhepremiumｏfthesｏciaｌiｎsｕraｎcｅispaidbｙｔheaｐplicaｎｔ，thecｏｍpanythaｔthｅａｐplｉcantworkinandthegoveｒｎmeｎt.10.whataｒｅｔhecateｇoｒｉesoｆｉnsurance?1）.lｉｆeinsuraｎce２).healthinsurance3).accｉdｅntaｌｉnｓuｒance4)．properitｙiｎsuｒance5).lｉaｂilityinsurance6).credｉtiｎｓuｒａnｃe11．wｈａt’sthedefｉｎiｔionofreinsurａnce?reinｓｕrａnceｉｓanｅconomiｃａlbehａviorcａusｅdｂytheｉnsureｒtoｔransｆerｉngrisｋ,beｃａｕｓetheｉnsurercｏncernｓthelosswillｈaveａbadeffectonthesｔabiliｔｙofcｏmpaｎy.12.whａt’sthedefｉnｉtionｏfdｅductｉｖeclａuｓe?ｉnｓurａncｅprocｅedｓaｒepayabｌeｏnｌｙafteｒｔheinsuｒedhaspａidacerｔainamｏunｔofｔheｌoss.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?ｉnｓurancｅinterestclａusemeaｎsthaｔthｅappliｃaｎｔａｎdtheiｎsuｒeｄｍuｓthaveinteｒｅstofsubｊecｔ-ｍaｔｔeriｎsuｒed．1８.howtｏafｆirｍｔｈeｉnsuｒaｎｃeｉntｅrｅｓtintｈepropertｙｉｎｓuranｃe?ifaperｓonhasｓomｅｒiｇhtsofoｎetｈｉng，suchasownership,rｉghtsoｆpｏｓsｅsｓiｏn,rｉｇhｔtｏusｅ,cｒｅｄｉtor’sｒightsaｎdsoｏn,thepeｒsonｈastheｉｎsurａnｃeinterｅｓｔoftｈethiｎg.19.whａｔ’rethｅsｉgｎｉficanｃｅsofthepriｎcｉpｌeofinｓurａｎｃeiｎtｅrest？1).ｔoｐreventｔｈebehaｖiorofgamｂle２）．topreventmｏralｒisk３）.tolimｉttｈeｈighestsuｍofmｏneythatｔheiｎsurerpaysｔotｈeinsuｒeｄ２0.ｗｈａt’ｓtheｄefiｎitioｎｏftｈeprｉncipｌeofutmostgooｄfａｉth?theprｉncｉｐｌeofutmostgoodfaiｔhｍeansｔhaｔｔheｔwopａrtiｅｓoftheｃｏntracｔshoｕldtoldtheotherallimpｏrtａntdetaiｌswhｉｃｈcａnａfｆｅcttｈeiｎsurerwheｔherｔoacceptainsuｒanceａndtｏincｒeaseｔｈepremiｕm，andtheyｃan’tdoanyspurｉｏusbehａｖior.21.wｈat’sthedefinｉｔionoftheobligationofnotｉｆiｃａtｉon?thｅtｗｏpartiesｏfthecontｒactshouｌdnotifｙｔheｏtｈeraｌlimｐｏrｔantｄeｔaiｌsｉnwrｉｔtenfoｒmoｒbyｖerbalwaybｅｆoｒesｉgｎingthｅconｔract．22.what’sｔheapplｉcant’sｏｂｌigationofnotificatｉｏｎ?1).befｏresｉgnｉngthecｏnｔrａｃt,theaｐplicantshouldaｎswerｔheinsurer’ｓｑuesｔionsａccoｒdiｎｇｔｏthefacts2).ａｆtersiｇｎｉnｇthｅｃｏntractａnｄinｔｈepｅriodoｆｖalｉdｉtｙ,iｆthelevelofriskincreａsｅs,ｔhｅａpplicantsｈouｌdnotiｆytｈeiｎsurｅｒ.3).ifthesｕbject-mａttｅrinsuredｈａsbeｅntrａｎsferreｄoｒthedｅｔailsoｆcontraｃthasbeｅｎchaｎｇed，ｔheａpplicａntshｏuldnotiｆyｔheiｎsｕrer．４).ａｆtertｈeperｉl,tｈeapplicaｎｔshouｌdｎotiｆythecondiｔionofsuｂjet-ｍａtterｉnｓuredｔｏthｅｉnsureriｎtime.2３.whaｔ’stｈedeｆｉｎｉtiｏnofｐlｅｄge？ｐledgｅmeanｓｔhattheappｌiｃantshouldguａraｎteewhｅtｈerｔoｄoｓomeｔhinｇandwhｅtｈersomeｔhingｅxitsornot.24．whaｔ’rethｅｄｅfinｉtiｏｎｓofｗａiverandｅstoｐｐel?1）.waivermeanｓthａtｏnｅpartyoｆtｈecoｎtracｔnｏｔｉｆiｅｓorindiｃａtesｔhaｔｈewillｇiｖｅuｐcertaiｎrｉgｈt.2).esｔoｐpelmeanｓthaｔifonepartyofthecoｎtｒacｔｈaｓgｉvenｕｐcｅrｔainｒighｔ,heｃoｕlｄｎ’tａskforｔherｉghｔａｇain.25.wｈat’stheｄｅｆiniｔｉoｎoｆｔheprｉncipｌeoflｏsscompeｎsation?ｔｈｅprinｃipleoflｏsｓcｏmｐensationmeansthａtｉｆthｅperilthattｈecontｒacｔrｅcorｄsｈappens,theiｎsureｄmaｙａsｋfｏrcompensａtionｆrｏｍtheiｎsｕreraｃcoｒdｉｎgtoｔｈecontracｔ,buttheinsuｒedcｏuldｎ’tgaiｎextｒabeｎefit.26.what’sｔhedefｉnitiｏnoftｈeprｉncipleof

ｐroｘimatｅcauｓｅ？tｈeｐｒｉncｉｐleofproximatecausemeansthatiｆａcaｕsｅwhiｃｈmａkesapｅｒｉｌｈappensisｉnｔｈerangeofiｎsurａnceobligation,ｔheｉnsurershouｌdcompenｓateforｔheloｓsoｆｔheiｎｓured.27.whaｔ’sｔhｅｄeｆｉnｉｔｉonofｉnｃontestabｌｅcｌａuｓe?incontesｔabｌeclaｕsemeａnsｔhaｔifａcontracthａstａkｅneffeｃtfｏr２years,ｔheinsｕrercouｌdn’ｔrelievｅthecoｎtractbytheｒｅasontｈattheiｎsurｅｄdiｄn’tpｅrfoｒmｔhｅobｌｉgａｔｉonofnotifying.２8.what’sthedｅfiniｔioｎofthemisstateｍentｏｆaｇe？iftheapｐlicanｔnｏtifieｓawroｎｇaｇewｈｅnheｐroposｅdtｈｅｉnsuｒance，hispｒeｍｉuｍorcｏｍpeｎsａtionmｏｎeyｗouｌdbeadjustedaccordｉngtｏtｈetｕreaｇe．２９．ｗhaｔ’sthedｅfｉniｔｉoｎofthegraceｐerｉｏdｐrovision?thisprovｉsionmｅａnｓｔhatevｅｎtheａｐｐｌicantdoesn’tpayｔhepｒｅpium，tｈecontrａctisｓtilｌｏneffectinｔheｇraceperｉｏd.3０.what’ｓthedeｆinitionｏftheｒeinstatemｅntproｖisioｎ?tｈiｓprovisionmeａnstｈatifaｐolicyloｓsesefficａcybeｃausethｅａpplicanｔdoesn’ｔpａｙｔhｅｐrｅiｕmiｎtime,ｔhｅappｌｉcａnｔmａｙａpplｙfｏｒrｅinstatｅmenｔduｒiｎｇａcｅｒtainpeｒioｄ．3１.ｗｈat’sthedeｆinitｉonoｆreinstatｅmenｔ?reｉｎstateｍenｔmeａｎsthaｔalltherighｔsandoｂｌibａtｉｏnｓrecordeｄinthepolicｙａremainｔaiｎｅd,suｃhas:ｉnsｕraｎｃecoveｒage，insｕranｃeｄeaｄlinｅ,andsoｏｎ.３2．what’sｔｈedefinｉtionｏfsuｉciｄecｌause?sｕiｃｉdeclausｅｍeａｎsthａttheｉnｓurerpaｙstheinsuｒｅdcompｅnｓaｔionduｅtｏsｕicｉdeonlｙａfterthｅpolｉcｙｈasｂeenoneffectfｏr2yｅars.３3.ｗhat’stｈｅｄefiｎiｔionofｔhenoｎ-forfeiturevalｕesandoptions？ｎon－forfｅitureｖaluesandoptｉｏnsmeansthaｔtheapplｉｃantｓhaverｉghｔｓtｏcｈoｏｓediｆfeｒｅｎtwaystｏusethｅcａshｖalｕｅｏftheｐoliｃy.34．whａt’stｈeｄｅfiniｔｉoｎoｆｔhｅpolicyloａｎｃｌauｓe？pｏlicyloａnclａuｓemeaｎsｔhaｔtｈeａpplicａntmayｐledｇehiｓlｉfeaｓsuｒａｎcｅpoliｃyｔoｔｈｅｉnsurertoａｐplｙfｏrａｌｏan.35.wｈａt’stheｄeｆinitionofｔｈeａutoｍaticpremｉｕmｌoanclausｅ?auｔomａtiｃpremiumloａｎclａusemeａnsthatｉfoｎeappｌicaｎｔcoｕldｎ’tｐayｈisｐremiｕmintｉme,ｔheinsurｅrｃｏｕlｄuseｔhecasｈｖaｌｕeofthepoｌicytoreｐlacetheｐrｅmium.36.ｗｈat’rethetyｐeｓoｆlifeinsurance?１).termｌifｅinsｕｒａｎcetermｌifeｉｎsuranceiｓthａtonlyiｆtheinsｕred’sliｆｅisend,tｈeｉnsuｒｅrｗouldpayinsｕｒancemoney，andｉｔsｔermisfixed．2）．whｏleｌifｅinsuranｃeｗholｅliｆｅinsuranceisｔhａtonlyifthｅｉnｓured’sliｆｅｉseｎd,tｈｅinｓureｒｗouldpaｙiｎｓurancemｏnｅy,andit’ｓtｅｒｍistｈeｉnsuｒed’ｓwholｅｌife.3).pｕｒeｅndoｗｍentinsuraｎｃepureenｄowmentｉnsurancｅiｓtｈatonlｙｉftheiｎｓｕredisaliveduringtheruledperｉod，ｔheinｓｕreｒcoｕlｄpayinsuraｎｃｅｍoney.4).ｅnｄｏwmentiｎsｕｒanceｅnｄoｗmeｎtiｎｓuｒanｃeiｓthaｔｒegａrdｌessoｆｔheinsuredisalivｅｏrｄeaｄ,theiｎsurerwｏｕldｐaｙiｎｓuraｎceｍｏney.5）．parｔicｉpaｔinｇlifeiｎsuraｎｃepartｉciｐａtｉnglifeinsuranceｉsｔhattｈｅinsurancecoｍｐａｎywillaｌｌoｔｂonｕswｈｉcｈｉｓfｒｏmlastacｃouｎtinｇｙeartotheclｉeｎtｓｉnacertainpropoｒtioｎ.6)．uｎiversallifeｉｎsurａｎceunｉverｓalｌifｅinsｕranceistｈatiｔｓmｅthｏdtｏpａｙprepiｕmｉｓflexibｌeaｎditsinｓuranｃeｍonｅymａyｂｅadjusteｄ．7）.uｎｉt-linklifeｉnsuｒanceunｉｔ-ｌinkｌifeiｎsuｒａnceproｔectsｔｈeinsurｅdanｄattｈesameｔｉｍeｉｔｐｏssessesatｌeaｓtonｅｉｎｖestｍentｃountwｈiｃhowｎssomeｐrｏｐertｙ.37．ｗhat’sthedeｆｉｎitiｏnｏftheａnnuiｔiesiｎsurance？annuitiesｉnsuranceiｓthａtonlyiftheｉnsｕrediｓalivetｈeinｓurerwouｌｄｐayinｓurａncｅｍoｎey,anｄｔhetimeofpａyingcycleｉsnomｏrethanｏneyear．3８.ｗhaｔ’ｓtheｄenifｉｔiｏｎｏfｔｈehｅａlthｉnsurance?healthｉnsuｒanｃeiｓｔhatonlyiftheiｎsureｄisiｌlorsufｆersａccidentｓtｈｅiｎsurerwoｕlypａycoｍ