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The paper presented the author′s interpretation and comments on this clause and put forth suggestions on how to enhance applicability and effectiveness of this clause to further improve on the reinstatement clause of life insurance contract in China′s Insurance Law. Such undertaking is expected to better balance relationship among the insurer, the applicant, the insured and the beneficiary.

摘要］复效是人寿保险合同的一项特有规定，本文通过阐述对复效条款的理解和见解，提出增强复效条款的适用性和实效性，进一步完善我国《保险法》人寿保险合同中复效制度的建议，以期能有助于更好地平衡保险人、投保人、被保险人和受益人的利益关系。

Apart from legal exemption, insurer will set other exemption clauses in insurance contract, like exemption period, deductible and exemption terms in interpretation clause.

当然，除了法定免责外，保险人还会在保险合同中设置其他一些免责条款，如免责期、免赔额以及释义条款中的免赔事项。

Where the insurance indemnity obtained by the insured can not make up all the losses caused by a third party, the insurer and the insured may, as joint plaintiffs, demand indemnity from the third party.

被保险人取得的保险赔偿不能弥补第三人造成的全部损失的，保险人和被保险人可以作为共同原告向第三人请求赔偿。

If damages are awarded at first instance by a court of competent jurisdiction in Hong Kong (or on appeal therefrom either to a superior court in Hong Kong or to the Final Court of Appeal ) in respect of death or bodily injury arising out of the use of a motor vehicle on a road in circumstances where the liability is required to be covered by insurance under the Motor Vehicles Insurance Ordinance, and such damages, or any part of them, remain unpaid twenty-eight days after the judgment becomes enforceable for any reason other than an insurance becoming ineffective due to insolvency of the Insurer, then, subject to the provisions of the Agreement, the Bureau will pay the unrecovered amount (including any interest awarded by the court and taxed costs) to the person in whose favour the judgment has been given, against an assignment of the judgment debt.

2依据〈汽车保险条例〉任何人仕如被道路上使用的汽车导致身体损伤或死亡，并经由香港法院初审判获赔偿（若属上诉案件，经由上诉庭或终审法院判定赔偿），而该损失或部分损失在判决生效后廿八天内，基於任何原因，仍未能偿付者（因保险人破产而导致保险失效者除外），本局便会依照与政府订定的协议，在应负的有关法律责任内，向索偿者支付判定的全部或余下款项（其中包括法庭裁定的利息及堂费支出）。

"Competition in the corporate sector is more and more driven by getting hold of the right people," says Idar Kreutzer, chief executive of Storebrand, Norway's largest insurer.

挪威最大保险公司Storebrand的首席执行官伊达尔·克罗伊策表示："抓住合适的人才，已愈发成为企业部门竞争的主导因素。"

Article 16 When an insurance contract is made, the insurer shall explain the contents of the contract clauses to the applicant for insurance and may make inquiries of him about the conditions relating to the subject-matter to be insured or the person to be insured, and the applicant for insurance shall really inform thereof.

第十六条订立保险合同，保险人应当向投保人说明保险合同的条款内容，并可以就保险标的或者被保险人的有关情况提出询问，投保人应当如实告知。

John Mauldin, another influential investor, thinks counterparty risk in CDS will be one of the big stories in 2008, particularly as already-fragile bond insurers are big in that market. On January 9th MBIA, the largest such insurer, said it will raise new equity to stave off a ratings downgrade.

另外一个有影响力的投资人John Mauldin认为CDS合同中的持有方风险将是2008年的大事件，特别是当已经相当脆弱的债券保险商在这市场中占有很大份额。1月9日，最大的债券保险商MBIA宣布将出售新股，以避免被评估公司降级。

Andrea Moneta of Aviva, a large insurer, says demand for its savings products has increased as consumers have become averse to taking investment risks themselves.

大型保险公司英杰华集团的安德拉·莫内塔表示，由于顾客变得不大愿意冒投资风险，对于储蓄产品的需求有了增长。

On top of that, they were able to pass the risk off to mortgage insurer or package these mortgages as mortgage-backed securities.

最重要的是，他们能够通过风险去抵押贷款保险或包装这些贷款作为抵押担保证券。

It is a right of petition for the third party by law , after the insurer disburses the insurance compensation money to the ins u red , because the insurance subject matter is damaged in virtue of the responsibility of the third party causing insurance accident .

或"权益转让"，是指保险标的因第三人的责任发生保险事故而导致损失，保险人向被保险人支付保险赔偿金后，依法取得对第三人的损害赔偿请求权。

On the other hand, the more important thing is because the urban housing is a kind of heterogeneity products.

另一方面，更重要的是由于城市住房是一种异质性产品。

Climate histogram is the fall that collects place measure calm value, cent serves as cross axle for a few equal interval, the area that the frequency that the value appears according to place is accumulated and becomes will be determined inside each interval, discharge the graph that rise with post, also be called histogram.

气候直方图是将所收集的降水量测定值，分为几个相等的区间作为横轴，并将各区间内所测定值依所出现的次数累积而成的面积，用柱子排起来的图形，也叫做柱状图。