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1、Chapter Twenty-SevenInsurance Management in the U.S.Learning objectivesAfter studying this chapter you should be able to:1.Know the roles played by the various kinds of insurance companies2.Tell the primary purpose of effective insurance management3.Describe the tools used to achieve effective insur
2、ance managementNotesI. New Words1.surety n. 担保=guaranty2.screening n. 筛选3.to speed vi. 超速驾驶to drive at excessive or illegal speed4.speeding ticket(s) 超速驾车罚单5.covenant n. 用契约保证/承诺a promise in deed6.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Notes7.deductible n. 扣除8.
3、payoff n. 文中当“赔偿”讲compensation9.grilling n. 严厉盘问to question severely and continuously10. fraud n. 欺诈11. provision(s) n. 条款a stipulation as a clause in a statute or contract made beforehand12. afore-said a. 上述的above-mentioned 13. time-honored a. 由来已久的NotesII. Useful and Idiomatic Expressions1.to scre
4、en 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.to put in an alarm system 装上警报系统9.to come out ahea
5、d 捞到好处/占上便宜Notes10. by contrast 与此相对比11. to make insurance claims 提出保险索赔to file insurance claims12. 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. 在某人身上亏损16. at first glance 在第一眼就17. to turn sb. down 拒绝接受某人to rej
6、ect sb.18. to sign up for 为而签约19. to cancel a coverage 取消保险NotesIII. Key Terms1.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 other partys point of view are the ones who are most likely to want
7、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 evaluation 医学上的评估5.insurance contract 保险合同（它是insurance policy保险单的根据）Notes6.insuranc
8、e 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 loss along with the insurance company8.the amount of insurance 保险金额9.administrati
9、ve cost 管理成本10. policyholder n. 保险单持有人Main TextThe Roles of Insurance Companies1. To Ensure Social Stability2. To Promote the Development of Financial MarketsMain TextThe Purpose of Effective Insurance ManagementThe primary objective of effective insurance management is to make sure that insurance c
10、ompanies 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 TextCommon Tools or Principles of Insurance Management1. Screening2. Risk-based Premium3. Restrictive Pr
11、ovision4. Prevention of Fraud5. Cancellation of Insurance6. Deductibles7. Coinsurance8. Limits on the Amount of Insurance1. 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 27This is the end of Chapter 27Thank you for your attention
