Chapter 17 Insurance Policy and Its Lifetime
外贸函电-保险
第十章Insurance保险第一节T h e S t e p s o f W r i t i n g I n s u r a n c e L e t t e r s保险信的写作步骤保险的目的是使其货物遭受损失或损坏者得到赔偿。
换句话说,它是一种赔偿契约,给某人赔偿遭受损失的全部金额或按特定百分比赔偿所损失的一部分金额。
保险合同通常用保险单的形式,是承担风险的一方（承保人）和寻求防御风险的一方（投保人）两者之间的一种合同。
若投保的风险发生了,承保人为报偿投保人所付的保险费,同意付给投保人一笔规定的金额或一部分金额。
保险费是按投保金额的百分之几计算的,也就是投保人所付的钱。
按照中国人民保险公司海洋运输货物保险条款,该公司的基本保险单承保的海运主要险别有：a．平安险F r e e F r o m P a r t i c u l a r A v e r a g e F P Ab．水渍险W i t h P a r t i c u l a r A v e r a g e W P Ac．一切险A l l R i s k s保险金额的计算是；货物成本+运费+保险费+代表货物出售后的合理利润的总金额的百分之几。
对于C I F的交易,根据中国人民保险公司一九八一年八月一日厘定的海洋运输货物保险条款,我们通常按发票金额的110％投保X X险。
有时候买户要求投保的金额超过110％。
在这种情况下,额外保险费将由买户负担。
保险信函的写作步骤如下：1．提示合同、货物等；（M e n t i o n i n g t h e c o n t r a c t,g o o d s,e t c.）情景搭配用语：[U s e f u l e x p r e s s i o n s]●W e r e f e r y o u t o C o n t r a c t N o.（关于第……号合同）●R e f e r r i n g t o…（关于……）●W i t h r e g a r d t o（w i t h r e f e r e n c e t o）…o u r C o n t r a c t…（关于我们……合同）2．提出具体保险要求及理由；（S u g g e s t i n g t h e t e r m o f p a y m e n t a n d t h e r e a s o n）情景搭配用语：[U s e f u l e x p r e s s i o n s]●A s…w e s h a l l b e g l a d i f y o u…（因为……如果你……我将不胜感激）●A s y o u k n o w,…w e s u g g e s t…（你知道……我们建议……）●O w i n g t o…w e w o u l d a p p r e c i a t e i t i f y o u…（由于……如果……我们将不胜感激）3．希望对方同意并希望对方尽早发货。
英文保险条款
英文保险条款Insurance Policy Terms and Conditions1. Policy Coverage: This policy provides coverage for the insured party against specified risks as mentioned in the policy document.2. Insured Party: The party or individual named in the policy as the beneficiary of the insurance coverage.3. Premium Payment: The insured party is responsible for paying the agreed-upon premium in a timely manner. Failure to make payments may result in policy cancellation.4. Policy Limit: The maximum amount the insurer will pay out fora covered claim. The policy limit is determined at the time of policy issuance.5. Renewal: The policy may be renewable, subject to terms and conditions set forth by the insurer. The insured party must meet the requirements for renewal, including timely premium payments.6. Exclusions: Certain events or circumstances may be excluded from coverage. These exclusions will be clearly stated in the policy document.7. Deductible: The insured party may be required to pay a deductible amount before the insurance coverage takes effect for certain claims. The deductible is typically stated in the policy document.8. Claims Process: In the event of a covered loss or claim, the insured party must notify the insurer as soon as possible and follow the prescribed claims process outlined by the insurer.9. Policy Termination: This policy may be terminated by either the insured party or the insurer under certain circumstances, such as non-payment of premiums or material misrepresentation of facts.10. Policy Modifications: Any modifications or changes to the policy must be in writing and agreed upon by both the insured party and the insurer.It is important to carefully read and understand all the terms and conditions of your insurance policy. If you have any questions or need clarification, please contact your insurer.。
商务英语词汇保险(续) Insurance
deterioration 变质险
risk of packing breakage 包装破裂险
risk of inherent vice
内在缺陷险
risk of normal loss (natural loss)? 途耗或自然损耗险
risk of spontaneous
risk of bad odour(change of
flavour) 恶味险，变味险
risk of mould 发霉险
on deck risk 舱面险
（五）
We can serve you with a broad range of coverage against all kinks of risks
transportation insurance 运输保险
overland transportation insurance, land
transit insurance 陆上运输保险
insurance against air risk, air transportation
insurance 航空运输保险
那么，“一切海洋运输货物险”意味着比“一切险”范围小一些。
In the insurance business, the term
"average" simply means "loss" in most cases.
在保险业中“average”一词一般是“海损”的意思。
Are there any other clauses in marine policies?
combustion 自然险
risk of contingent import duty 进口关税险
农业保险政策 英文
农业保险政策英文Agricultural Insurance PoliciesAgriculture is a crucial sector for many countries, and it plays a significant role in global food security. However, farmers face various risks, including natural disasters, pests and diseases, and market volatility. Agricultural insurance policies are designed to mitigate such risks and provide financial protection to farmers and their families.The primary aim of agricultural insurance policies is to provide compensation to farmers for any losses incurred due to unforeseen events. Such events may include droughts, floods, storms, hail, fire, and pests and diseases. The insurance policies cover different types of crops, livestock, and aquaculture. Farmers can choose the type of coverage that suits their needs, depending on the level of risk they face.In addition to mitigating risks, agricultural insurance policies can also encourage farmers to adopt more sustainable farming practices. For example, insurance companies may offer lower premiums to farmers who use environmentally friendly practices such as crop rotation, organic farming, and conservation tillage. This can incentivize farmers to adopt more sustainable practices and reduce their environmentalimpact.Governments often play a crucial role in promoting agricultural insurance policies. They may provide subsidies to farmers to reduce the cost of insurance premiums. In some countries, governments have established national agricultural insurance programs to ensure that farmers have access to affordable insurance coverage. Such programs can be particularly beneficial for small-scale farmers who may not have the resources to purchase insurance on their own.Overall, agricultural insurance policies are an essential tool for promoting sustainable agriculture and ensuring food security. By providing financial protection against unforeseen events, such policies can help farmers to manage risks and invest in their businesses with confidence.。
Insurance Law 保险法英文版
Insurance Law of the People's Republicof ChinaOctober 28, 2002(Adopted at the 14th meeting of the Standing Committee of the Eighth National People's Congress on June 30, 1995, Amended in accordance with the Decision on Modifying the Insurance Law of the People's Republic of China adopted at the 30th Meeting of the Standing Committee of the Ninth People's Congress)ContentChapter I General ProvisionsChapter II Insurance ContractSection 1 General ProvisionsSection 2 Property Insurance ContractSection 3 Life Insurance ContractChapter III Insurance CompanyChapter IV Insurance Operational RulesChapter V Supervision and Administration of the Insurance BusinessChapter VI Insurance Agents and Insurance BrokersChapter VII Legal LiabilityChapter VIII Supplementary ProvisionsChapter I General ProvisionsArticle 1 This law has been formulated with a view to standardizing the insurance activities, protecting the legitimate rights and interests of parties to insurance activities, strengthening the supervision and administration of the insurance business and promoting its healthy development.Article 2 Insurance used in this law refers to the act of payment of premiums by the insurants to insurers and the responsibility of the insurers to give indemnity to the insurants in case of losses to property of the insurants caused by a specific contingency or perils of death, injury, sickness of the insured upon the stipulated age according to terms as set in the contracts.Article 3 All insurance activities within the territory of the People's Republic of China shall be governed by this law.Article 4 Insurance activities shall be subject to the rule of laws and administrative regulations, be in compliance with the social ethics and the principle of free will.Article 5 The parties concerned in insurance activities shall abide by the principle of good faith in the exercise of rights and performance of obligations. Article 6 Insurance companies shall be set up according to this law to engage in commercial insurance business. No other entity or individual is allowed to engage in such business.Article 7 Legal persons and other organizations which want to be insured within the territory of the People's Republic of China shall enter into insurance policy documents with the insurance companies within the territory of the People's Republic of China.Article 8 In carrying out business, insurance companies shall follow the principle of fair competition. Illicit competition is not allowed.Article 9 Insurance supervisory and regulatory body under the State Council shallexercise supervision and administration of the insurance business according to the provisions of this law.Chapter II Insurance ContractSection 1 General ProvisionsArticle 10 An insurance contract is an agreement for defining insurance rights and obligations of the insurants and the insurers.An insurant refers to a person who has signed insurance contract with an insurer and undertakes the obligation of paying insurance premiums according to the amount stipulated in the insurance contract.An insurer refers to an insurance company which has signed insurance contracts with the insurant and undertakes the responsibility to pay indemnity or insurance money to the latter.Article 11 In signing an insurance contract, the insurant and the insurer shall observe the principle of fairness, mutual benefit, reaching agreements through consultation and free will without harming the public interest.Insurance companies or other entities are not allowed to sign insurance contracts with others by coercion except otherwise provided by law or administrative decrees or regulations.Article 12 An insurant shall own the insurable interest in the objects of insurance.If an insurant has no insurable interest in the objects of insurance, the insurance contract shall be invalid.Insurable interest refers to the interest of the insurant in the objects of insurance recognized by law.Objects of insurance refer to property or related interest insured or life and health of a person insured.Article 13 An insurance contract shall hold after the insurant applies for insurance and the insurer agrees to underwrite the insurance and the two sides have reached agreement on the clauses of the contract.The insurer shall issue insurance policies or other insurance certificates to the insurant in a timely manner and specify on the insurance policies or other insurance documents the contents of the contracts agreed by the two sides. The insurant and the insurer, upon agreement, may also conclude insurance contracts in the form of written agreement other than those provided for in the preceding paragraph.Article 14 After an insurance contract is concluded, the insurant shall pay premium as agreed upon in the contract and the insurer shall start to undertake insurance liabilities at the time agreed upon.Article 15 The insurant may terminate the insurance contract after the contract is signed except otherwise provided for by this law or by the insurance contract. Article 16 The insurer is not allowed to terminate the insurance contract after the contract is signed except otherwise provided for by this law or by the insurance contract.Article 17 In concluding an insurance contract, the insurer should explain the contents of the clauses of the insurance contract and may raise inquiries on matters concerning the objects of insurance or the insurant, and the insurant shall make true representations.If the insurant conceals facts deliberately and refuses to perform the obligations of making true representations or fails to perform the obligations ofinsurer from making the decision of whether or not to agree to accept the insurance or raise the insurance premium, the insurer has the right to terminate the insurance contract.If the insurant deliberately refuses to perform the obligations of making true representations, the insurer shall not undertake to pay indemnity or insurance money for insured risks that occurs before the contract is terminated and shall not return the insurance premium.If the insurant fails to perform the obligations of making representations due to negligence, thereby seriously affecting the occurrence of insured risks, the insurer shall not undertake to pay indemnity or insurance money for contingency that occurs before the contract terminates but may return the insurance premium.Insured risks refer to the contingencies or perils covered by the insurance as agreed upon in the insurance contract.Article 18 If an insurance contract provides for the exemption of liabilities for the insurer, the insure shall clearly state in before signing the insurance contract. If no clear statement is made about it, the clause shall not be binding.Article 19 An insurance contract shall contain the following:1. Name and domicile of the insurer;2. Names and residences of the insurant and the insured and the name and residence of the beneficiaries of life insurance.3. Objects of insurance;4. Insurance liability and liability exemption;5. Insurance term and the starting time of insurance liabilities;6. Insured value;7. Insured amount;8. Premium and the method of payment;9. The method of payment of insurance indemnity or insurance money;10. Liabilities for breach of contract and the handling of disputes;11. The year, month and date in which the contract is signed.Article 20 The insurant and the insurer may reach agreement on related matters other than those stated in the preceding paragraph.Article 21 The insurant and the insurer, after consultation, may alter the contents of the insurance contract within the valid period of the insurance contract.In altering the contents of an insurance contract, the insurer shall take notes on the original insurance policies or other insurance documents or attach a rider or a written agreement on the alteration signed by the insurant and the insurer.Article 22 The insurant, the insured or beneficiaries shall notify the insurer of the occurrence of the insured risks in time after they have learned about them.The insured refers to a person who is protected by the property or life insurance contract and who enjoys the right to insurance claims. An insurant may be an insured.A beneficiary refers to a person who has been designated by the insured or the insurant to enjoy the right to insurance claims. The insurant or the insured may be the beneficiary.Article 23 In claiming for indemnity or payment according to an insurance contract after an insured risk occurs, the insurant, the insured or the beneficiaries are obliged to provide evidence or materials to prove the nature and causes of the contingency and losses caused by it.to the agreement in the insurance contract, the insurer shall notify the insurant, the insured or the beneficiaries and demand for additional evidence or materials.Article 24 After receiving the claim by the insured or beneficiaries for compensation or payment of insurance money, the insurer shall make a timely verification and notify the insured or beneficiary of the verification results; perform the obligations of compensation or payment within ten days after reaching an agreement on the compensation or payment with the insured or beneficiaries if the case is of insured liability. The insurer shall make compensation or payment according to the insured amount and according to the time limit for compensation or payment as agreed in the insurance contract.If an insurer has failed to perform the obligations provided for in the preceding paragraph, the insurer shall compensate for the losses arising therefrom in addition to the payment of insurance money.No entity or individual is allowed to illegally interfere in the performance by the insurer of the liabilities to compensation or payment; nor shall it limit the right of the insured or beneficiaries from obtaining the insurance money.The insured amount refers to the maximum amount for compensation or insurance money payment to be paid by the insurer.Article 25 If the insurer does not deem a contingency as insured liability after receiving the claims for compensation or insurance money from the insured or beneficiaries, the insurer shall issue a notice to insured or beneficiaries of the refusal of the claim.Article 26 The insurer shall pay in advance according to the minimum amount determined by the evidence or materials if the amount for compensation or payment cannot be determined within 60 days starting from the date of receiving the insurance claims and related evidence and materials. The differences shall be made up for after the insurer finally determines the amount of compensation or payment.Article 27 The right to claims for compensation or insurance payment by the insured or beneficiaries covered by insurance other than life insurance shall cease to exist if it is not exercised within two years starting from the date when the insured risk is known.The right to claims for compensation or insurance payment by the insured or beneficiaries covered by life insurance shall cease to exist if it is not exercised within five years starting from the date of the occurrence of the insured risks.Article 28 If the insured or beneficiaries falsify the occurrence of insured risks which have not occurred and claim for compensation or insurance payment, the insurer has the right to terminate the insurance contract, with the insurance premiums not to be returned.If the insurant, the insured or beneficiaries deliberately fabricate the occurrence of the insured risks, the insurer has the right to terminate the insurance contract and shall refuse to perform the obligations of compensation or insurance payment, except otherwise provided for in the first paragraph of Article 64 of this law, with the insurance premiums not to be returned.If, after an insured contingency occurs, the insurant, the insured or beneficiaries are found to have forged or fabricated related certificates, materials or other evidence to prove the causes of the insured risks or for exaggerating the losses, the insurer shall not compensate or pay for the part falsified.If the insurant, the insured or beneficiaries are found to have committed oneto pay the insurance money or other expenses, the payment shall be returned or compensated for.Article 29 If an insurer transfers part of a liability assumed to another insurer, it is re-insurance.At the request of the re-insurance underwriter, the re-insurer shall make representations of its own liabilities or the related information of the original insurance to the re-insurance underwriter.Article 30 The re-insurance underwriter shall not claim for the payment of premium from the insurant of the original insurance contract.The insured or beneficiaries of the original insurance contract shall not claim for compensation or insurance money from the re-insurance underwriters.The re-insurer shall not refuse to perform or delay the performance of the originally insured liability on the pretext of non-performance of the re-insurance liability by the re-insurance underwriter.Article 31 If the clauses of an insurance contract are in dispute among the insurer and the insurant, the insured or beneficiaries, the people's court or arbitration organizations shall make interpretations favorable to the insured and beneficiaries.Article 32 The insurer or re-insurance underwriter shall be obliged to keep confidential the information about the operations and property as well as the privacy of the insurant, the insured, the beneficiary or the re-insurer it has got to know in handling the insurance business.Section 2 Property Insurance ContractArticle 33 A property insurance contract is an insurance contract with the property or related interests as the object of insurance.The property insurance contract that appears in this section is called "contract" for short, except otherwise specified.Article 34 The insurer shall be notified of the transfer of the objects of insurance and the insurance contract shall be altered with the consent of the insurer to continue to underwrite the policy. But the transport insurance contracts and contracts with otherwise agreements are exceptions.Article 35 When the insured liability starts for the transport insurance contract and the voyage insurance for means of transport, the parties to the contract may not terminate the contract.Article 36 The insured shall observe the relevant regulations on fire, safety, production operations and labor protection and protect the objects insured.According to the contract, the insurer may carry out safety checks of the objects insured and timely put forward written proposals to the insurant or the insured to eliminate unsafe factors or hidden dangers.If the insurant or the insured has failed to perform its due obligations concerning the safety of the objects insured, the insurer has the right to demand additional insurance premiums or terminate the contract.The insurer may, with the consent of the insured, adopt precautionary measures in order to safeguard the objects insured.Article 37 If within the validity period of the contract, the risks of the objects of insurance have increased, the insured shall notify the insurer in good time according to the contract and the insurer has the right to claim for additional insurance premiums or terminate the contract.If the insured fails to perform the obligation of notifying the insurer of the increased risks, the insurer shall not undertake to compensation for the occurrence of the insured contingencies that occur due to the increase in therisks of the objects insured.Article 38 The insurer shall reduce insurance premiums and return the corresponding premiums on the daily basis if any of the following cases occurs, except otherwise provided for:1. The circumstances on which the premium rating is based have changed and the risks concerning the objects insured have markedly been reduced.2. The insured value of the objects of insurance has markedly been reduced. Article 39 If, before the insured liability starts, the insurant demands termination of the contract, the insurant shall pay commissions to the insurer and the insurer shall return the premiums paid. If, after the insured liability starts, the insurant demands the termination of the contract, the insurer may collect the insurance premiums due for the period from the date when the insured liability starts to the date of the termination of the contract, with the remaining returned to the insurant.Article 40 The insured value of the objects insured shall be agreed upon between the insurant and the insurer and specified in the contract or determined according to the actual value of the objects of insurance at the time when the insured risks occur.The insured amount shall not exceed the insured value. If it exceeds the insured value, the part in excess shall be invalid.If the insured amount is less than the insured value, except otherwise provided for, the insurer shall undertake to compensation according to the proportion between the insured amount and the insured value.Article 41 The insurant of double insurance shall notify all the insurers of the double insurance.If the insured amount of double insurance exceeds the insured value, the total amount of compensation made by all insurers shall not exceed the insured value. Except otherwise provided for in the contract, each insurer shall undertake to compensation according to the proportion of its insured amount in the total insured amount.Double insurance refers to insurance contracts signed by an insurant with more than two insurers for the same objects of insurance, the same insurable interest and the same insured risks.Article 42 When an insured risk occurs, the insured shall be obliged to adopt all necessary measures to prevent or mitigate losses.After an insured risk occurs, all the necessary and reasonable cost paid by the insured to prevent or mitigate the losses of the objects insured shall be covered by the insurer. The amount undertaken by the insurer shall be calculated separately from the compensation for the losses of the objects insured, with the maximum amount not exceeding the insured amount.Article 43 If part of the objects insured sustains losses, the insurant may terminate the contract within 30 days after the insurer pays the indemnities. Except otherwise provided for, the insurer may also terminate the contract. In the case in which the insurer terminates the contract, the insurer shall notify the insured 15 days in advance and return the premiums on the part not sustaining losses to the insured after deducting the part receivable from the date when the insured liability starts to the date when the contract is terminated.Article 44 If, after an insured risk occurs, the insurer has paid up all the insured amount and the insured amount is equal to the insured value, all the rights of the objects insured sustaining losses shall be in the possession of the insurer. If the insured amount is less than the insured value, the insurer shall retain part of the rights according to the proportion between the insured amountArticle 45 If an insured risk occurs due to the damage of the objects insured by a third party, the insurer shall, starting from the date of paying the indemnities, subrogate the insured to exercise the right to indemnities from the liable third party.If, after the insured risk occurs as provided for in the preceding paragraph, the insured has already obtained indemnities from the third party, the insurers may pay the indemnities in the amount after the indemnities paid by the third party to the insured are deducted.The subrogation of the insurer to exercise the right to claim for indemnities according to the provisions of the first paragraph of this article shall not affect the right of the insured to claim for indemnity from the third party on the part not compensated for.Article 46 If, after an insured risk occurs, the insured has forfeited the right to claim for indemnities from the third party before the insurer pays the insurance money, the insurer shall not undertake to indemnities.If, after the insurer has paid indemnities to the insured, the insured forfeits the right to indemnities from the third party, without the insurer's consent, the act is invalid.If, due to the fault of the insured, the insurer cannot subrogate the insured to exercise the right to claim for indemnities, the insurer shall reduce the payment of insurance money correspondingly.Article 47 Except the family members or other members of the insured deliberately cause the insured risk to occur as provided for in the first paragraph of Article 44 of this law, the insurer shall not subrogate the family members or other members of the insured to exercise the right to indemnity claims.Article 48 When the insurer exercises the right of subrogation to indemnity claims, the insured shall provide the insurer with necessary documents and the related information in its knowledge.Article 49 The necessary and reasonable expenses paid by the insurer and the insured for investigating and establishing the nature and the causes of the insured risks and the losses of the objects of insurance shall be covered by the insurer.Article 50 The insurer shall, according to the provisions of law or the agreement in the contract, directly pay insurance money to the third party if damages are caused by the insured covered by the liability insurance.Liability insurance refers to insurance that makes the liability to indemnities of the insured to the third party as the object.Article 51 If the insured risk that has caused harm to the third party due to the insured is brought for arbitration or before the court, the necessary and reasonable expenses as arbitration fees or the litigation expenses paid by the insured shall be covered by the insurer.Section 3 Life Insurance ContractArticle 52 A life insurance contract is an insurance contract that takes the life and body of persons as the objects of insurance.The life insurance contract is called "contract" for short except otherwise specified.Article 53 An insurant shall have the insurable interest for the following people:1. The insurant himself;2. Spouse, children and parents;3. Other members of the family or blood relatives other than those specified in the preceding paragraph for whom the insurant has or shares the obligations ofsupport.Except the provisions of the preceding paragraph, if the insured agrees to let the insurant to sign the contract for him, the case shall be regarded as the insurant having insurable interest in the insured.Article 54 If the age of the insured stated by the insurant is not true and the true age does not conform to the age limit agreed in the contract, the insurer may void the contract and return the insurance premium after deducting the commissions, except when the time has exceeded two years starting from the date of the conclusion of the contract.If the insurance premium paid by the insurant is less than what is payable due to the misstatement of age on the part of the insurant, the insurer has the right to correct and demand retroactive payment of premiums from the insured or pay the insurance money according to the proportion of the premiums actually paid and the premiums payable.If the insurance premium paid by the insurant is more than what is payable due to the misstatement of age on the part of the insurant, the insurer shall return the premiums in excess of the due amount.Article 55 The insurant is not allowed to take out the whole life policies for people incapable of civil acts; neither shall the insurer underwrite such policies.But the cases in which parents take out life insurance policies for their children not coming of age are not limited by the preceding provisions. But the lump sum settlement upon the death of the insured shall not exceed the limit set by the insurance supervision and administration department.Article 56 A contract that makes death as the conditions for payment of proceeds shall be invalid without the written approval of the insured for the contract and the insured amount.The insurance policies issued according to the contract that makes death as the conditions for payment of proceeds shall not be transferred or used as mortgage without the written approval of the insured.But the life insurance taken by parents for their children not coming of age is not limited by the provisions in the first paragraph of this article.Article 57 After a contract comes into effect, the insurant may pay the insurance premium by a lump sum or by installments as agreed upon in the contract.If a contract provides for the payment of premium in installments, the insurant shall pay the first payment of premiums at the time when the contract is signed and pay the rest according to the time limit set in the contract.Article 58 After the insurant pays the first payment of premiums according to contract that provides for premium payment in installments, but the insurant fails to pay the premium of the period within 60 days of the prescribed period, the contract shall become void or the insurer shall reduce the insured amount according to the conditions provided for in the contract.Article 59 In the case of the void of the contract as provided for in the preceding article, the effect of the contract may be restored after the insurer and the insured reach agreement through consultation and the insurant pays the premium retroactively. However, in the case when the two sides fail to reach agreement within two years after the termination of the contract, the insurer has the right to terminate the contract.If the contract is terminated as provided for in the preceding paragraph, the insurer shall return the cash value of the insurance policies as agreed upon in the contract if the insurant has paid up insurance premium for more than two full years. If the insurant has not paid up the premium for two years, the insurerArticle 60 The insurer shall not demand payment of premiums for life insurance by taking legal actions.Article 61 The beneficiaries of life insurance shall be designated by the insured or the insurant.In appointing beneficiaries, the insurant shall get the approval of the insured.If the insured is a person incapable of civil acts or whose capability of civil acts is restricted, the guardian shall appoint the beneficiaries.Article 62 The insured or the insurant may appoint one or several persons as beneficiaries.In the case of several beneficiaries, the insured or the insurant may determine the order and shares of the benefit among them. If the share of benefit is not determined, the beneficiaries shall share the benefit equally.Article 63 The insured or the insurant may change the beneficiaries and notify the insurer in writing.The insurer shall take notes on the insurance policies after receiving the written notice on the change of the beneficiaries. In changing the beneficiaries, the insurant shall get the consent of the insured.Article 64 After the death of the insured, the insurance money shall be treated as the legacy of the insured and the insurant shall perform the obligation of paying the insurance money to the inheritors of the insured if any of the following cases occurs:1. Beneficiaries are not appointed;2. The beneficiaries die before the insured and there are no other appointed beneficiaries;3. The beneficiaries lose the right to the insurance benefit according to law or forfeit the right to benefit and there are no other beneficiaries.Article 65 If the insurant or the beneficiaries deliberately cause the death, injury or sickness of the insured, the insurer shall not undertake to pay the insurance money.If the insurant has paid up insurance premiums for more than two full years, the insurer shall, according to the provisions of the contract, return the cash value of the policies to the other beneficiaries enjoying the right to benefit. If a beneficiary deliberately causes the death or injury of the insured or deliberately and unsuccessfully murders the insured, the beneficiary shall lose the right to the benefit.Article 66 If the insured to the contract that takes the death of the insured as the condition of payment commits suicide, the insurer shall not undertake to pay the insurance, except the cases provided for in the second paragraph of this article, but the insurer shall return the insurance premiums paid by the insurant according to the cash value of the policy.If the insured commits suicide two years after the contract that takes death as the condition of payment is signed, the insurer shall pay the insurance according to contract.Article 67 If the insured deliberately commits crimes that lead to its own injury or death, the insurer shall not undertake to insurance payment. If the insurance premium has been paid for more than two full years, the insurer may return the cash value according to the policy.Article 68 If a person covered by life insurance dies, is injured or sick due to the acts of any third party, the insurer shall not be entitled to recover from the third party after paying insurance to the insured or beneficiaries. But the insured or the beneficiaries shall have the right to claim compensation against。
关于保险的英语口语
关于保险的英语口语一我买了份人身保险AIve just taken out an insurance policy. Are you insured我刚买了份保险。
你买保险了吗BYes, I am. I have life insurance and my home and its contents are also insured.嗯，买了。
我有人身保险，我家人还有家里的东西也都有保险。
AI took out a life insurance policy and made my wife the beneficiary.我买了份人身保险，我的妻子是受益人。
BThat a good idea. You are a fireman and it can be dangerous job.好主意。
你们干消防的一定很危险。
AI need to make sure that my wife will be financially secure if I die.如果我出了事，我要确保我妻子得到经济上的保障。
BI can terminate my life insurance policy when I retire and use the money as a pension.我退休后可以停止给我妻子交保险，可以把这部分钱做养老金。
AThats one of the conditions of my police too. It covers you if you die before you retire and when you retire.这也是我的保险的条件之一。
如果你在退休之前就去世了，那么就会的到赔付。
BDid you have to take a medical before you could take out the police在拿到保险之前你体检了吗AYes, I did. It was one of the conditions of the insurance police. The insurance companies need to assess the risk.是的。
保险英文术语
保险英文术语Insurance Policy （or Certificate）保险单（或凭证)1。
Risks ＆Coverage险别(1）free from particular average (F.P。
A。
)平安险(2)with particular average （W.A.）水渍险(基本险）(3）all risk一切险(综合险)(4)total loss only (T。
L。
O。
）全损险(5）war risk战争险(6）cargo（extended cover)clauses货物(扩展）条款（7)additional risk附加险(8）from warehouse to warehouse clauses仓至仓条款（9)theft，pilferage and nondelivery （T.P。
N。
D.)盗窃提货不着险(10）rain fresh water damage淡水雨淋险(11）risk of shortage短量险(12）risk of contamination沾污险（13）risk of leakage渗漏险（14）risk of clashing ＆breakage碰损破碎险（15）risk of odour串味险(16)damage caused by sweating and/or heating受潮受热险（17)hook damage钩损险(18）loss and/or damage caused by breakage of packing包装破裂险(19）risk of rusting锈损险(20）risk of mould发霉险（21）strike，riots and civel commotion (S。
R。
C。
C.）罢工、暴动、民变险(22）risk of spontaneous combustion自燃险（23）deterioration risk腐烂变质险（24)inherent vice risk内在缺陷险（25）risk of natural loss or normal loss途耗或自然损耗险（26）special additional risk特别附加险(27)failure to delivery交货不到险（28)import duty进口关税险(29)on deck仓面险（30）rejection拒收险（31）aflatoxin黄曲霉素险(32)fire risk extension clause-for storage of cargo at destination Hongkong，including Kowloon，or Macao出口货物到香港（包括九龙在内）或澳门存仓火险责任扩展条款（33）survey in customs risk海关检验险（34)survey at jetty risk码头检验险（35）institute war risk学会战争险（36)overland transportation risks陆运险（37)overland transportation all risks陆运综合险(38）air transportation risk航空运输险(39）air transportation all risk航空运输综合险(40）air transportation war risk航空运输战争险(41)parcel post risk邮包险（42）parcel post all risk邮包综合险(43)parcel post war risk邮包战争险（44）investment insurance（political risks)投资保险（政治风险）(45)property insurance财产保险（46)erection all risks安装工程一切险（47）contractors all risks建筑工程一切险2.the stipulations for insurance保险条款（1）marine insurance policy海运保险单（2）specific policy单独保险单(3）voyage policy航程保险单（4）time policy期限保险单(5）floating policy (or open policy)流动保险单（6)ocean marine cargo clauses海洋运输货物保险条款（7）ocean marine insurance clauses （frozen products)海洋运输冷藏货物保险条款(8）ocean marine cargo war clauses海洋运输货物战争险条款（9)ocean marine insurance clauses (woodoil in bulk）海洋运输散装桐油保险条款（10）overland transportation insurance clauses （train，trucks）陆上运输货物保险条款（火车、汽车)（11）overland transportation insurance clauses （frozen products）陆上运输冷藏货物保险条款(12）air transportation cargo insurance clauses航空运输货物保险条款(13)air transportation cargo war risk clauses航空运输货物战争险条款(14）parcel post insurance clauses邮包保险条款（15）parcel post war risk insurance clauses邮包战争保险条款(16）livestock ＆poultry insurance clauses （by sea，land or air）活牲畜、家禽的海上、陆上、航空保险条款(17)…risks clauses of the P。
退保服务指南英语 英文
退保服务指南英语英文Surrender Policy Guide.Introduction.Surrendering an insurance policy is the process of terminating the policy before its maturity date. This may be done for a variety of reasons, such as a change in financial circumstances, a change in insurance needs, or dissatisfaction with the policy.Steps to Surrender a Policy.The steps to surrender a policy will vary depending on the insurance company and the type of policy. However, the following general steps are typically involved:1. Contact your insurance company. You can do this by phone, email, or in person.2. Request a surrender form. The surrender form will ask for information such as your policy number, the date you want the policy to be surrendered, and the reason for surrendering the policy.3. Complete and return the surrender form. Once you have completed the surrender form, return it to your insurance company.4. Receive your surrender value. The surrender value is the amount of money that you will receive from the insurance company when you surrender your policy. The surrender value will be calculated based on the terms of your policy.Factors to Consider Before Surrendering a Policy.There are a few factors to consider before surrendering an insurance policy. These include:The surrender value. The surrender value is the amount of money that you will receive from the insurance companywhen you surrender your policy. The surrender value will be calculated based on the terms of your policy.The tax implications. Surrendering an insurance policy may have tax implications. You should consult with a tax advisor to determine the tax consequences of surrendering your policy.The impact on your financial plan. Surrendering an insurance policy may have an impact on your financial plan. You should consider how the surrender of the policy will affect your overall financial goals.Alternatives to Surrendering a Policy.If you are considering surrendering your insurance policy, there are a few alternatives that you may want to consider. These include:Reducing the coverage. You may be able to reduce the coverage on your policy instead of surrendering it. This will lower your premiums and keep your policy in force.Taking a loan against the policy. You may be able to take a loan against the cash value of your policy. Thiswill allow you to access some of the money in your policy without surrendering it.Selling the policy. You may be able to sell yourpolicy to a third party. This will allow you to get some money for your policy without surrendering it.Conclusion.Surrendering an insurance policy is a serious decision. There are a number of factors to consider before surrendering a policy. You should weigh the benefits and drawbacks of surrendering your policy before making a decision.。
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II. Teaching Plan
This chapter will cover 3 hours. 2 hours for the
introduction of background information and explanations of terms and the texts. And the other 1 hour for discussion and practice.
永久保险是将类似于定期人寿保险的死亡抚恤 金与免税的存款安排结合在一起的总险种。永 久保险是根据受保人的生命期限而支付的。因 此，建立此险种也需要很多费用，出了这些费 用之外，税收优势也使得永久保险能够成为长 期的有价值的投资。
Policy limit 保单限额
the overall amount of money an insurance company will pay for a specific insurance coverage is called your policy limit. Your premium will be based on what limits you choose. You will have to pay for any damages over your policy limit so it is important to set your limits high enough to protect your finances.
III. Teaching Methods
Translation of key sentences Paraphrasing of key words and expressions Explanation of new terms Summarizing of key passages Discussion of important issues Questions and answers: interaction between teachers and students
IV. Background
In the previous chapter, we have learned the history of insurance, which must be helpful for the study of insurance policy. In the modern society, insurance, as a charged welfare for the public, has become a systematic industry. Nearly everyone makes contact with insurance. Consequently, it is necessary and beneficial to comprehend and be familiar with insurance policy, its related components and the process of operation.
Chapter 17 Insurance Policy and Its Lifetime
I. Open Questions
1. What are the terminologies related with insurance policy? 2. What are the necessary conditions and ways to choose the most suitable insurance policy 3. What are the lifespan of insurance policy and the process of policy’s operation?
V. Special TermsPolicy tFra bibliotekrm 保险周期
it refers to the length of time that the policy is in force. Most companies offer annual and semi-annual policies.
保险周期是指保单的有效期，大多数公司 都提供年度或者半年度的保单。
保单限额是指保险公司为特定险种而支付 的保费总额。抚恤金将基于受保人的保单 限额。如果超出保单限额，受保人就要自 己支付额外费用，因此应该设置足够高的 限额以保护自己的资金。
Insurance policy 保险单
it is a contract of insurance, describing the term, coverage, premiums and deductibles.
Permanent life insurance 永久保险
it is an umbrella term for a variety of plans that combine a death benefit similar to a term life insurance plan with tax-sheltered savings arrangements. Permanent life policies, as their name implies, are meant to be held and paid into for the duration of the insured’s life. Because of this, there are significant fees associated with setting up the policy. Despite these fees, the tax advantages can make permanent life a valuable investment over a long period of time.