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In this article, through making an analysis and comparison on Insurable Interest Rule and Consent of Insured Rule, against our insurance market and objective surroundings, the writer argues that in our country the Life Insurance institutions should accord to the double rules, say, Consent of Insured Rule and Insurable Interest Rule. By these, the writer wishes to improve our legislation and execution in insurance field and to provide our life insurance market with necessary law support.

在本文中，笔者通过对保险利益原则和同意原则的分析对比，结合我国保险市场以及人文环境，提出了我国人身保险必须要坚持人身保险利益原则适用性和严格实行同意原则和保险利益原则双重约束的观点，以期进一步完善我国保险立法和执法环境，给我国人身保险市场发展提供必要的法律支持。

Japan's non-housing insurance earthquake insurance, earthquake insurance if the insurance need to pay.

日本的非住房保险地震保险，地震保险的保险，如果需要支付。

The China Insurance Regulatory Commission will encourage insurance companies to gradually develop catastrophe insurance business via such measures as incentive policies, excess loss reinsurance and catastrophe insurance funds, so as to establish catastrophe risk guarantee mechanisms with pooled risk.

中国保险监督管理委员会将通过政策优惠、超额损失再保险、巨灾保险基金等方式，鼓励保险公司逐步开展巨灾保险业务，逐步建立风险共担的巨灾风险保障机制。

Insurance company has partial risk to plant entrust a bank to deal with, the clerk exaggerates one-sidedly the earnings level of product of share out bonus insurance, even some depositor express already clearly to want deposit, bank clerk or insurance company clerk still do his utmost to market insurance to its.

保险公司有部分险种委托银行办理，业务员片面夸大分红型保险产品的收益水平，甚至有的储户已经明确表示要储蓄，银行工作人员或保险公司业务员还竭力向其推销保险。

Insurance enterprises covering personal insurance shall set aside reserve funds according to the total net value of all long-term life insurance policies and 50% of retained premiums of that years personal insurance policy commitments of one year or less.

人身保险准备金经营人身保险业务的保险企业，应当按照有效的长期人身保险单的全部净值加上一年及一年以内的人身保险业务当年自留保险费的 50％，提存准备金。

Then basic principle which fine calculated according to the life insurance, infers under these two kind of stochastic interest rates to survive the annuity, the life insurance, the balanced pure insurance premium and the loss variable, the pure insurance premium responsibility reserve fund model.

然后根据人寿保险精算的基本原理，推导出这两种随机利率下生存年金、寿险、均衡纯保费与损失变量、纯保费责任准备金的模型。

Insurance enterprises which cover all types of insurance other than long-term personal insurance must set aside from that years retained insurance premiums reserve funds for unrealised commitments.

未到期责任准备金经营人身保险以外的各种保险业务的保险企业，应当从当年自留保险费中提存未到期责任准备金，其提存和结转的总数应相当于当年自留保险费的 50％。

An insurance document, such as an insurance policy, an insurance certificate or a declaration under an open cover, must appear to be issued and signed by an insurance company, an underwriter or their agents or their proxies.

a。保险单据，例如保险单或预约保险项下的保险证明书或者声明书，必须看似由保险公司或承保人或其代理人或代表出具并签署。

An insurance document, suchnbsp;as an insurance policy, an insurance certificate or a declaration under an open cover, must appear to be issued and signed by an insurance company, an underwriter or their agents or their proxies.

保险单据，例如保险单或预约保险项下的保险证明书或者声明书，必须看似由保险公司或承保人或其代理人或代表出具并签署。

A . An insurance document, such as an insurance policy, an insurance certificate or a declarationunder an open cover, must appear to be issued and signedby an insurance company, an underwriter or their agents or their proxies.

a。 保险单据、例如保险单或预约保险项下的保险证明书或者声明书，必须看似由保险公司或承保人或其代理人或代表出具并签署。

I didn't watch TV last night, because it .

昨晚我没有看电视，因为电视机坏了。

Since this year, in a lot of villages of Beijing, TV of elevator liquid crystal was removed.

今年以来，在北京的很多小区里，电梯液晶电视被撤了下来。