保险专业英语(单词 简单问题)(主要应对面试)

1、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 cover note7.保险单 policy of insurance8.投保单 proposal form9.保单 certificate of insurance10.批单 rider11.简易保单（保险凭证）the slip12.除外条款 clause of exceptions13.免赔额条款 deductible clause14.共保条款 coinsurance clause15.责任条款 duty clause16.代

2、位求偿条款 subrogation clause17.偿付能力 insolvency 18.监管 regulate19.欺骗性的 deceptive20.保费 prepium21.投机 speculate22.投保 to propose23.保险利益 insurable interest24.人寿保单 life assurance policy25.债权人 creditor26.债务人 debtor 27.定期保单 time policy28.养老保险、年金保险 annuities insurance29.交税延期 tax-postpone30.巨灾 catastrophe31.欺诈行为 fr

3、aud32.养老基金 pension fund33.保险责任 coverage34.保险密度 insurance density35.保险深度 insurance penetration36.遗产 heritage37.准备金 reserves38.禁止反言 estoppel39.弃权 waiver40.解除合同 dissolution of contract41.保单现金价值 cash value42.不可抗辩条款 incontestable clause43.年龄误告条款 misstatement of age44.宽限期条款 grace period provision45.复效条款 r

4、einstatement provision46.自杀条款 suicide clause47.不丧失价值条款 non-forfeiture values and options48.保单贷款条款 policy loan clause49.自动垫缴保费条款 automatic premium loan clause50.保险金给付任选条款 settlement options51.定期寿险 term life insurance52.终身寿险 whole life insurance52.生存保险 pure endownment insurance53.两全保险 endowment insura

5、nce54.分红保险 participating life insurance55.万能寿险 universal life insurance56.投资连结保险 unit-link life insurance57.健康保险 health insurance58.疾病保险 disease insurance59.医疗保险 medical insurance 60.失能收入损失保险 disability income insurance61.长期护理保险 long-term care insurance62.意外伤害保险 accidental insurance63.等于 equal to64.

6、乘以 multiply by65.除以 divide66.加上 plus67.减去 minus68.人身保险 personal insurance69.团体人身保险 group personal insurance70.机动车辆保险 automobile insurance71.家庭财产保险 insurance of contents71.企业火灾保险 fire insurance72.企业工程保险 engineering insurance73.建筑工程保险 construction insurance74.安装工程保险 erection insurance75.货物运输保险 cargo t

7、ransportation insurance76.利润损失险 loss of profit insurance77.1.whats the definition of risk?risk means uncertainty about future loss or the ability to predict the occurrence or size of a loss.2.whatre the types of risks? pure risk and speculative risk 1).pure risk means that the risk can only suffer l

8、oss and have no chance to gain benefit. 2).speculative risk means that the risk is able to gain benefit while suffering loss.3.what are the ways of handing risks? 1).risk avoidance 2).risk dispersal 3).loss control 4).risk restraining 5).risk retention 6).risk transfer 4.whatre the kinds of hazards?

9、 1).physical hazards 2).adverse selection 3).moral hazard 4).psychological hazard5.whatre the differenes among risk,peril and hazard? 1).a peril is a cause of a loss. 2).a hazard is a condition that may creat or increase the chance of a loss due to a given peril. 3).a risk is used to indicate a cond

10、ition that there is a possibility of loss.6.whats the definition of insurance? 1).from the perspective of the legal,insurance is a kind of contract. 2).from the perspective of the economy,insurance is a system of transfering risk. 3).from the perspective of the society,insurance is a kind of behavio

11、r that helps each other.7.whatre the social functions of insurance? 1).spreading out risks 2).compensating for loss 3).investment and providing for a better utilization of capital 4).social management8.what are the characteristics of insurance? 1).from the perspective of the legal,insurance is legal

12、. 2).from the perspective of the economy,insurance is commercial. 3).from the perspective of the society,insurance is helpful.9.what are the differences between the commercial insurance and the social insurance? 1).the applicant who buy a commercial insurance is volunteer,but the social insurance is

13、 bought by a compulsive way. 2).the premium of the commercial insurance is paid by the applicant only,but the premium of the social insurance is paid by the applicant,the company that the applicant work in and the government.10.what are the categories of insurance? 1).life insurance 2).health insura

14、nce 3).accidental insurance 4).properity insurance 5).liability insurance 6).credit insurance11.whats the definition of reinsurance? reinsurance is an economical behavior caused by the insurer to transfering risk,because the insurer concerns the loss will have a bad effect on the stability of compan

15、y.12.whats the definition of deductive clause? insurance proceeds are payable only after the insured has paid a certain amount of the loss.13. whats the definition of coinsurance clause? coinsurance clause is used by judging if the sum of money compared with the insurance benefit is enough in proper

16、ty insurance,for example,there is an 80% coinsurance clause,if the sum of insurance has become 80% of the insurance benefit,the insurer will regard it as an enough sum proposal.14. whats the definition of duty clause? the parties to an insurance contract are obligated to perform the duties imposed b

17、y the contract.15. whats the definition of subrogation clause? if an insurance company pays a claim to an insured for liability or property damage caused by a third party,the insurer succeeds to the right of the insured to recover from a third party.16.whats the definition of insurance contract? ins

18、urance contract is an agreement which stipulates rights and obligations of applicants and insurers.17.whats the definition of the principle of insurance interest? insurance interest clause means that the applicant and the insured must have interest of subject-matter insured.18.how to affirm the insu

19、rance interest in the property insurance? if a person has some rights of one thing,such as ownership,rights of possession,right to use,creditors rights and so on,the person has the insurance interest of the thing.19.whatre the significances of the principle of insurance interest ? 1).to prevent the

20、behavior of gamble 2).to prevent moral risk 3).to limit the highest sum of money that the insurer pays to the insured20.whats the definition of the principle of utmost good faith? the principle of utmost good faith means that the two parties of the contract should told the other all important detail

21、s which can affect the insurer whether to accept a insurance and to increase the premium ,and they cant do any spurious behavior.21.whats the definition of the obligation of notification? the two parties of the contract should notify the other all important details in written form or by verbal way b

22、efore signing the contract .22.whats the applicants obligation of notification? 1).before signing the contract,the applicant should answer the insurers questions according to the facts 2).after signing the contract and in the period of validity,if the level of risk increases,the applicant should not

23、ify the insurer. 3).if the subject-matter insured has been transferred or the details of contract has been changed,the applicant should notify the insurer.4).after the peril,the applicant should notify the condition of subjet-matter insured to the insurer in time.23.whats the definition of pledge?pl

24、edge means that the applicant should guarantee whether to do something and whether something exits or not.24.whatre the definitions of waiver and estoppel? 1).waiver means that one party of the contract notifies or indicates that he will give up certain right. 2).estoppel means that if one party of

25、the contract has given up certain right ,he couldnt ask for the right again.25.whats the definition of the principle of loss compensation?the principle of loss compensation means that if the peril that the contract records happens,the insured may ask for compensation from the insurer according to th

26、e contract,but the insured couldnt gain extra benefit.26.whats the definition of the principle of proximate cause?the principle of proximate cause means that if a cause which makes a peril happens is in the range of insurance obligation,the insurer should compensate for the loss of the insured.27.wh

27、ats the definition of incontestable clause? incontestable clause means that if a contract has taken effect for 2 years,the insurer couldnt relieve the contract by the reason that the insured didnt perform the obligation of notifying.28.whats the definition of the misstatement of age?if the applicant

28、 notifies a wrong age when he proposed the insurance,his premium or compensation money would be adjusted according to the ture age.29.whats the definition of the grace period provision?this provision means that even the applicant doesnt pay the prepium,the contract is still on effect in the grace pe

29、riod.30.whats the definition of the reinstatement provision?this provision means that if a policy losses efficacy because the applicant doesnt pay the preium in time, the applicant may apply for reinstatement during a certain period. 31.whats the definition of reinstatement?reinstatement means that

30、all the rights and oblibations recorded in the policy are maintained,such as :insurance coverage,insurance deadline,and so on.32.whats the definition of suicide clause?suicide clause means that the insurer pays the insured compensation due to suicide only after the policy has been on effect for 2 ye

31、ars.33.whats the definition of the non-forfeiture values and options?non-forfeiture values and options means that the applicants have rights to choose different ways to use the cash value of the policy.34.whats the definition of the policy loan clause?policy loan clause means that the applicant may

32、pledge his life assurance policy to the insurer to apply for a loan.35.whats the definition of the automatic premium loan clause?automatic premium loan clause means that if one applicant couldnt pay his premium in time,the insurer could use the cash value of the policy to replace the premium.36.what

33、re the types of life insurance? 1).term life insurance term life insurance is that only if the insureds life is end,the insurer would pay insurance money,and its term is fixed. 2).whole life insurance whole life insurance is that only if the insureds life is end,the insurer would pay insurance money

34、,and its term is the insureds whole life. 3).pure endowment insurance pure endowment insurance is that only if the insured is alive during the ruled period,the insurer could pay insurance money. 4).endowment insuranceendowment insurance is that regardless of the insured is alive or dead,the insurer

35、would pay insurance money. 5).participating life insurance participating life insurance is that the insurance company will allot bonus which is from last accounting year to the clients in a certain proportion. 6).universal life insuranceuniversal life insurance is that its method to pay prepium is f

36、lexible and its insurance money may be adjusted. 7).unit-link life insuranceunit-link life insurance protects the insured and at the same time it possesses at least one investment count which owns some property.37.whats the definition of the annuities insurance?annuities insurance is that only if the insured is alive the insurer would pay insurance money,and the time of paying cycle is no more than one year.38.whats the denifition of the health insurance?health insurance is that only if the insured is ill or suffers accidents the insurer wouly pay compe