2018年6月大学英语六级听力常考时文：Business of Insurance Companies思维导图

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2018年6月大学英语六级听力常考时文：Business of Insurance Companies思维导图

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2018年6月大学英语六级听力常考时文：BusinessofInsuranceCompanies

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2018年6月大学英语六级听力常考时文：Business of Insurance Companies思维导图模板大纲

1.Whichtypeofbusinessdoeslifeinsurancebelongtoinsurance?

2.Whatisthedifferencebetweengeneralinsuranceandlifeinsurance?Theformerisbasedon…,butlatteron…

3.Whatdoesafinancialeconomistconsiderlifeinsuranceas?

BusinessofInsuranceCompanies

Insurancecompaniesdotwotypesofbusiness.Oneisgeneralinsuranceagainstvariousformsofrisk,andtheotherislong-terminsurancewhichismainlylifeinsurance.Generalinsurancewillagreetopayapersonoracompanyasumofmoneyintheeventofsomethinghappeningornothappening.It’sabigbusinesstoday.Iftheprojectsucceeds,shareholdersinyourcompanywillexpecttobepaidadividend.Ifyouaskaninsurertounderwriteyourproject,thenhewillrequireapaymentinadvance,apremium.Iftheprojectsucceeds,hekeepsthepremium,butyoudon’tpayhimanythingelse.Payingapremiumtoaninsurerorunderwriterisoftencheaperthanpayingadividenttoshareholders.Ifyourdividendsarepaidtoshareholders,thenmoremoneycanbekeptasretentiontofinancethecompany’snextproject.Anothertypeofinsurancebusinessisthelifeinsurance.Itdiffersbasicallyfromgeneralinsuranceinthatitisbasednotontheriskbutoncertainty.Thecertaintythateachofuswillonedaydie.Lifeinsuranceisthebasisofpensionfundswhichprovideforretirementandguardagainstothercontingencies,suchasill-health,butisbestseenbyafinancialeconomistasameansofcollectingmanysmallsavingstoputtogetherintolargeinvestments,inshort,asaformofintermediation.

Whydidthetwobrothersgrowcoldandoftenquarrelwitheachother?

Thedivisionoftheirfather’spropertytheirboneofcontention.