1.再保险 reinsurance
2.投保人 applicant
3.保险人 insurer
4.被保险人 insured
5.受益人 beneficiary
6.暂保单 cover note
7.保险单 policy of insurance
8.投保单 proposal form
9.保单 certificate of insurance
10.批单 rider
11.简易保单（保险凭证）the slip
12.除外条款 clause of exceptions
13.免赔额条款 deductible clause
14.共保条款 coinsurance clause
15.责任条款 duty clause
16.代位求偿条款 subrogation clause
17.偿付能力 insolvency
18.监管 regulate
19.欺骗性的 deceptive
20.保费 prepium
21.投机 speculate
22.投保 to propose
23.保险利益 insurable interest
24.人寿保单 life assurance policy
25.债权人 creditor
26.债务人 debtor
27.定期保单 time policy
28.养老保险、年金保险 annuities insurance
29.交税延期 tax-postpone
30.巨灾 catastrophe
31.欺诈行为 fraud
32.养老基金 pension fund
33.保险责任 coverage
34.保险密度 insurance density
35.保险深度 insurance penetration
36.遗产 heritage
37.准备金 reserves
38.禁止反言 estoppel
39.弃权 waiver
40.解除合同 dissolution of contract
41.保单现金价值 cash value
42.不可抗辩条款 incontestable clause
43.年龄误告条款 misstatement of age
44.宽限期条款 grace period provision
45.复效条款 reinstatement provision
46.自杀条款 suicide clause
47.不丧失价值条款 non-forfeiture values and options
48.保单贷款条款 policy loan clause
49.自动垫缴保费条款 automatic premium loan clause
50.保险金给付任选条款 settlement options
51.定期寿险 term life insurance
52.终身寿险 whole life insurance
52.生存保险 pure endownment insurance
53.两全保险 endowment insurance
54.分红保险 participating life insurance
55.万能寿险 universal life insurance
56.投资连结保险 unit-link life insurance
57.健康保险 health insurance
58.疾病保险 disease insurance
59.医疗保险 medical insurance
60.失能收入损失保险 disability income insurance
61.长期护理保险 long-term care insurance
62.意外伤害保险 accidental insurance
63.等于 equal to
64.乘以 multiply by
65.除以 divide
66.加上 plus
67.减去 minus
68.人身保险 personal insurance
69.团体人身保险 group personal insurance
70.机动车辆保险 automobile insurance
71.家庭财产保险 insurance of contents
71.企业火灾保险 fire insurance
72.企业工程保险 engineering insurance
73.建筑工程保险 construction insurance
74.安装工程保险 erection insurance
75.货物运输保险 cargo transportation insurance
76.利润损失险 loss of profit insurance
77.
1.what’s the definition of risk?
risk means uncertainty about future loss or the ability to predict the occurrence or size of a loss.
2.what’re the types of risks?
  pure risk and speculative risk
  1).pure risk means that the risk can only suffer loss 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 deductible
5).risk retention
  6).risk transfer
4.what’re the kinds of hazards?
  1).physical hazards
  2).adverse selection
  3).moral hazard
  4).psychological hazard
5.what’re 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 condition that there is a possibility of loss.
6.what’s 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 behavior that helps each other.
7.what’re the social functions of insurance?
  1).spreading out risks
  2)pensating for loss
  3).investment and providing for a better utilization of capital
  4).social management