应四+Unit+8b.ppt

1、1,Focus2 content,Dialogue: purchasing insurance,Pair work: Talking about health insurance,Text: Life insurance process flow,Working with words,Research project,Listening-based writing,Highlights,Table of Contents,Part 2 Language in Use,上海交通大学出版社,2,focus2highlights,Highlights R&L: Dialogue: purchasin

2、g insurance S: Talking about health insurance Language for talking about health insurance R: Life insurance process flow Research project: Searching for information on insurance L&W: Summarizing and commenting on the US governments actions to save US banks,Part 2 Language in Use,上海交通大学出版社,3,Agent: M

3、rs. Simpson, have you planned for (1) ? Mrs. Simpson:Are you joking? Im still young, and retirement seems so far away. Agent: As one serves long enough in a company and gains more experience, his or her (2) . However, at the retiring age of sixty, income usually drops, or there might be no income at

4、 all if one doesnt work. Retirement doesnt mean the end of living. On the contrary, it is the (3) to enjoy life, like traveling and engaging in hobbies. This plan can enable you to have a retirement fund in the future.,focus2dialogue,1. Dialogue: purchasing insurance,上海交通大学出版社,The following conversa

5、tion is between an insurance agent and Mrs. Simpson, a potential customer. The agent emphasizes the necessity of an insurance plan and talks Mrs. Simpson into buying insurance. Listen to the dialogue and fill in the blanks with the words or phrases you have heard. Then read it aloud.,your retirement

6、,income increases,golden time,4,focus2dialogue,上海交通大学出版社,Mrs. Simpson: My company has offered me a (4) . Agent: Even if you participate in a pension scheme, it would be better to have another scheme of your own, no matter who you work for and where you are in the future. Mrs. Simpson: That (5) . Wha

7、t does the plan cover? Agent: The plan basically serves the following purposes: family protection, education fund, personal savings, emergency cash, and retirement fund. Is there a particular area that (6) ? Mrs. Simpson: Im interested in family protection. As my two sons are living far away in Hawa

8、ii, my husband and I need (7) after our retirement.,pension scheme,sounds reasonable,solid financial protection,concerns you most,1. Dialogue: purchasing insurance,5,Agent: For family protection, you can start your coverage at $100,000. Then, every other year for the next ten years, you will have th

9、e opportunity to increase your coverage in increments of $50,000 to a maximum of $500,000. Mrs. Simpson: Do I need to (8) now if I want to take this plan? Agent: Yes, but first, Mrs. Simpson, I need some basic information about you. When were you born? Do you smoke? How much money do you intend to (

10、9) each month or year? And fill in this form please so that I can take it into (10) when I design a proposal for you, which usually takes two days. Shall I meet you again Wednesday afternoon at two oclock?,focus2dialogue,上海交通大学出版社,fill in the policy,put aside,further consideration,1. Dialogue: purch

11、asing insurance,6,focus2 dialogue,Notes to the dialogue,1. Mrs. Simpson, have you planned for your retirement? 辛普森太太，您有没有考虑过退休后的计划？ Note that in the USA, the full retirement age (also called “normal retirement age”) was 65 for many years. However, beginning with people born in 1938 or later, that ag

12、e gradually increases until it reaches 67 for people born after 1959. According to law in China, men retire at 60, female cadres at 55 and other women at 50. Statistics have shown that the average life expectancy of Chinese people has risen by more than 20 years since the founding of the Peoples Rep

13、ublic of China, while their retirement age has not changed for more than 50 years. Chinese scholars recently proposed that China should not only delay peoples retirement age to 65 or even older, but also shorten the retirement age gap between males and females.,上海交通大学出版社,1. Dialogue: purchasing insu

14、rance,7,focus2 dialogue,2. My company has offered me a pension scheme. 我们公司已经提供了一项退休金计划。 pension scheme: 退休金计划 In general, a pension is an arrangement to provide people with an income when they are no longer earning a regular income from employment. A pension created by an employer for the benefit o

15、f an employee is commonly referred to as an occupational or employer pension. A recipient of a retirement pension is known as a pensioner or retiree. Types of pensions generally include employment-based pensions (retirement plans), social / state pensions and disability pensions. Note that the so-ca

16、lled retirement plans in the USA are more commonly known as pension schemes in the UK and Ireland, and superannuation plans in Australia. Retirement pensions are typically in the form of a guaranteed annuity (年金).,上海交通大学出版社,1. Dialogue: purchasing insurance,8,focus2 dialogue,3. For family protection

17、, you can start your coverage at $100,000. 对于家庭保障，您可以从十万美元的保额做起。 Note that family protection insurance is for families that anticipate growing needs. Here the agent is suggesting that his client increase the coverage under this policy. With term life insurance, rates increase as one gets older. With

18、 this policy, however, these automatic increase offers let people buy additional coverage at their original age rate.,上海交通大学出版社,1. Dialogue: purchasing insurance,9,Focus2 pairwork,上海交通大学出版社,As an insurance agent, you (Student A) are going to convince a potential customer (Student B) that buying heal

19、th insurance is very important. How can you explain health insurance clearly to this person and turn him / her into your client? Please with a partner, work out a dialogue concerning this issue.,2. Pair work: talking about health insurance,10,Focus2 pairwork,上海交通大学出版社,Learning,2. Pair work: talking

20、about health insurance,11,Focus2 pairwork,上海交通大学出版社,2. Pair work: talking about health insurance,12,寿险投保流程 1 以下是最简单的寿险业务流程： 2 投保人通过保险代理人将投保书交予保险公司。投保书包含个人详细资料、收入情况、病历、保险产品（产品描述了保险公司提供的险种特点，诸如到期分红、索赔范围等。,Focus2 text,Translation,1 The simplest life insurance business cycle looks like this. 2 The clien

21、t approaches the insurer through an agent with a proposal containing his personal details, income details, medical history, products (the product describes the features provided by the insurer like maturity bonus, claims allowed, etc. (To be continued),上海交通大学出版社,3. Text: Life Insurance Process Flow,

22、life insurance (人寿保险): protection against financial loss resulting from death. It is an insurance companys promise to pay your beneficiary a specific amount of money when you die in exchange for payment of premiums. Other insurance programs include: social insurance (社会保险), health insurance (健康保险),

23、property insurance (财产保险).,maturity: n. U 到期（应付款） Note that maturity bonus is also called terminal bonus, referring to an additional bonus or additional sum of money paid at the maturity of the policy or death of the insured prior to the maturity to indicate the overall performance (投资情况) of a with-

24、profits life insurance policy. In simple words, the maturity bonus is the sum added to the policy at the time of its maturity.,13,每种产品有各自的特色）、保额（投保人获保金额）、保期（投保人参保年限）以及保费（投保人以分期付款方式向保险公司缴纳的金额）。代为拟定该投保书的中介人称作该投保书的代理人或者服务代理。,Focus2 text,Translation,These features vary from product to product), sum assu

25、red (the amount for which the client is covered), term (number of years for which the client is to be covered), and premium amount (installment amount to be paid by the client to the insurer). The agent who brings this proposal is termed the base / servicing agent for the proposal.,上海交通大学出版社,3. Text

26、: Life Insurance Process Flow,Questions about Para. 2,premium: n. C（定期缴纳的）保险费 Note that an insurance premium is the actual amount of money charged by insurance companies for the coverage, and it can vary widely among insurance providers for the same service. An insurance premium is generally collect

27、ed in monthly or semi-yearly payments. If the policy holder fails to make a scheduled payment, the insurance company can choose to cancel the policy entirely.,14,Focus2 text,上海交通大学出版社,1. What information should be included in a proposal?,The clients personal details, income details, medical history,

28、 products, sum assured, term and premium amount, etc. should be included in a proposal.,2. What does “premium amount” mean when we talk about insurance?,“Premium amount” refers to the installment amount to be paid by the client to the insurer.,3. Text: Life Insurance Process Flow,15,3 投保书要经过保险公司的中央处

29、理中心对各个环节的审批和风险评估。一旦终审通过，保险公司会准备一份与投保人的法律合约，即保险合同。保险公司依据此保单承保投保人所投保金额。(待续),Focus2 text,Translation,3 The proposal will go through various stages of approval and risk evaluation by the insurance companys central processing center. Upon final approval, a legal agreement, termed a policy, between the in

30、surer and the client is prepared whereby the insurer covers the client for the sum assured. (To be continued),上海交通大学出版社,3. Text: Life Insurance Process Flow,16,依据保险合同所签定险种的特点，如果该险种还有额外利益的话，投保人还有权享受相应的额外收益。保险代理人可从保单中获取提成。 4 投保人定期交付保费，此后的保费称为续保费。代理人从续保费里也能获得提成。,Focus2 text,Translation,The client is al

31、so entitled to some additional benefits, if any, depending on the features of the product taken in the policy. The base agent gets a commission for the policy. 4 The client pays a premium at regular intervals. These subsequent premiums are termed renewal premiums. The base agent gets a commission on

32、 the renewal premium also.,上海交通大学出版社,Question about Paras. 3-4,if any: 假若有；即使有 e.g. Please correct my mistakes, if any. (Please correct my mistakes if there are any mistakes.) Thereislittlewater,ifany.,3. Text: Life Insurance Process Flow,17,Focus2 text,上海交通大学出版社,3. Who gets a commission when an ins

33、urance policy is signed or when the policy holder pays a renewal premium?,The base agent (or the servicing agent) of the proposal.,3. Text: Life Insurance Process Flow,18,5 投保人可以回头对保单进行更改，即增加或减少保额、延长或缩短保期等。保险公司将对保单做出相应变更，并发布备注信息，声明此项变更及其对保单的影响。,Focus2 text,Translation,5 The client may come back with

34、 some alterations to the policy viz. increase / decrease in sum assured, increase / decrease of the term of policy, etc. The insurer will make the relevant changes to the policy and will issue endorsements stating the alterations made and their effect on the policy.,上海交通大学出版社,viz.: 即，就是 注意其后的点“.”不可省

35、略。,3. Text: Life Insurance Process Flow,19,6 在保险期限内，投保人可以索赔。保险公司在核实后会理赔，并根据赔付类型决定保单是否终止或依然有效。,Focus2 text,Translation,6 During the term of the policy, the client can submit claims. The insurer makes payment against the claim after verification. Depending on the type of claim the policy is either ter

36、minated or is kept in force.,上海交通大学出版社,submit claims: 索赔 Note that after a client submits his or her claim, the insurer first confirms whether it is true and then pays against the claim if so.,3. Text: Life Insurance Process Flow,20,7 保单期满时，依据寿险条款，保额是期满收益的一部分，投保人可以获得保额。除此以外，根据该险种的具体特点，投保人还将获得相应的到期分红

37、以及其它利润。,Focus2 text,Translation,7 At the end of the term of the policy, the client gets the sum assured as part of the maturity benefit under life insurance policies. In addition to this the client will get the maturity bonus and any other benefits, depending on the products features.,上海交通大学出版社,Ques

38、tions about Paras. 5-7,3. Text: Life Insurance Process Flow,21,Focus2 text,上海交通大学出版社,4. What are included in the endorsements of the policy?,The endorsements will state the alterations made and their effect on the policy.,5. Will the insurer make payment immediately after the client submits the clai

39、ms?,No. The insurer makes payment against the claims only after verification.,6. When can the client get the sum assured?,At the end of the term of the policy.,3. Text: Life Insurance Process Flow,22,Focus2 working with words,4. Working with words,A. Match the terms (15) in the text with their defin

40、itions (ae).,上海交通大学出版社,( ) 1. insurer a. coverage ( ) 2. product b. duration of insurance ( ) 3. policy c. insurance contract ( ) 4.term d. insurance costs ( ) 5.premium e. insurance company,e,a,b,d,c,23,Focus2 working with words,4. Working with words,B. Match the Chinese insurance terms with their

41、English counterparts.,上海交通大学出版社,( ) 1. 人寿保险 a. renewal premium ( ) 2. 到期红利 b. commission ( ) 3. 索赔 c. life insurance ( ) 4. 风险评估 d. risk evaluation ( ) 5. 佣金 e. maturity bonus ( ) 6. 续保费 f. claim,c,e,f,d,b,a,24,Focus2 research project,5. Research project,上海交通大学出版社,Issue/Event/Context: Suppose you ar

42、e getting interested in the variety of insurance, especially in life insurance. Find out the types of insurance, then summarize the differences between term life insurance and whole life insurance in about 120 words. Research Goal: Find out the types of insurance and the differences between term lif

43、e insurance and whole life insurance. Research Method & Route: Search for information about insurance, especially life insurance, via the Internet. Result: Produce a chart and a one-paragraph statement.,25,Focus2 research project,5. Research project,上海交通大学出版社,To be continued,26,Focus2 research proje

44、ct,5. Research project,上海交通大学出版社,To be continued,27,Focus2 research project,5. Research project,上海交通大学出版社,Differences between term life insurance and whole life insurance: Term life insurance is life insurance which provides coverage at a fixed rate of payments for a limited period of time. After th

45、at period expires coverage at the previous rate of premiums is no longer guaranteed and the client must either forgo coverage or potentially obtain further coverage with different payments and / or conditions. If the insured dies during the term, the death benefit will be paid to the beneficiary. Te

46、rm insurance is often the most inexpensive way to purchase a substantial death benefit on a coverage amount per premium dollar basis. Whole life insurance is a life insurance policy that remains in force for the insureds whole life and requires (in most cases) premiums to be paid every year into the policy.,28,Focus2 L&W,6. Listening-based writing,上海交通大学出版社,Listen to an economic report twice and summarize how the US government is going to save US banks, then com