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1、Chapter Twenty-Seven,Insurance Management in the U.S.,Learning objectives,After studying this chapter you should be able to: 1. Know the roles played by the various kinds of insurance companies 2. Tell the primary purpose of effective insurance management 3. Describe the tools used to achieve effect
2、ive insurance management,Notes,I. New Words 1. surety n. 担保=guaranty 2. screening n. 筛选 3. to speed vi. 超速驾驶to drive at excessive or illegal speed 4. speeding ticket(s) 超速驾车罚单 5. covenant n. 用契约保证/承诺a promise in deed 6. to rent vt. 租用to pay for the use of sth., e.g. renting motor scooters 租用低座小摩托车,N
3、otes,7. deductible n. 扣除 8. payoff n. 文中当“赔偿”讲compensation 9. grilling n. 严厉盘问to question severely and continuously 10. fraud n. 欺诈 11. provision(s) n. 条款a stipulation as a clause in a statute or contract made beforehand 12. afore-said a. 上述的above-mentioned 13. time-honored a. 由来已久的,Notes,II. Useful
4、 and Idiomatic Expressions 1. to screen out sth. from sth. else 经过筛选将与分开 2. to go through grilling 通过严格的盘问 3. to take blood and urine samples 取血样尿样作检查 4. to commit suicide 自杀 5. to rule out 排除，e.g. undesirable behavior 排除不受欢迎的行为 6. to stand to lose 一定遭受损失（美国用法，英国人用stand losing） 7. in line with 符合 8.
5、 to put in an alarm system 装上警报系统 9. to come out ahead 捞到好处/占上便宜,Notes,10. by contrast 与此相对比 11. to make insurance claims 提出保险索赔to file insurance claims 12. on the part of 就而言 13. to have an incentive to do sth. 有做某事的积极性 14. to allocate sb. to a risk class 将某人归划为一个风险等级 15. to lose money on sb. 在某人身上
6、亏损 16. at first glance 在第一眼就 17. to turn sb. down 拒绝接受某人to reject sb. 18. to sign up for 为而签约 19. to cancel a coverage 取消保险,Notes,III. Key Terms 1. adverse selection 相反选择，逆向选择=the problem created by asymmetric information before a transaction occurs: the people who are the most undesirable from the
7、other partys point of view are the ones who are most likely to want to engage in the financial transaction. 2. moral hazard 道德风险=the lack of any incentive to guard against a risk when you are protected against it (as by insurance) 3. life insurance 人寿（保）险（英国人常用life assurance来表达） 4. medical evaluatio
8、n 医学上的评估 5. insurance contract 保险合同（它是insurance policy保险单的根据）,Notes,6. insurance policy 保单=the instrument containing in writing the terms of insurance contract(whichs the basis of insurance policy) 7. coinsurance n. 共同保险（共保）=an insurance policy under which the policyholder bears a percentage of the
9、loss along with the insurance company 8. the amount of insurance 保险金额 9. administrative cost 管理成本 10. policyholder n. 保险单持有人,Main Text,The Roles of Insurance Companies 1. To Ensure Social Stability 2. To Promote the Development of Financial Markets,Main Text,The Purpose of Effective Insurance Manage
10、ment The primary objective of effective insurance management is to make sure that insurance companies can perform the two aforesaid functions in the financial system, thus being able to protect the interests of their customers (the insured) by making enough money to pay their claims.,Main Text,Commo
11、n Tools or Principles of Insurance Management 1. Screening 2. Risk-based Premium 3. Restrictive Provision 4. Prevention of Fraud 5. Cancellation of Insurance 6. Deductibles 7. Coinsurance 8. Limits on the Amount of Insurance,1. What role do insurance companies play in American economy? 2. What is the primary purpose of effective insurance management? 3. What are the commonly-used tools used in the U.S. for insurance management? 4. How can an insurance company prevent fraud? 5. What is meant by “grilling”?,Questions for Chapter 27,This is the end of Chapter 27,Thank you for your attention,