保险业者

In Ajit Jain, we have by far the best manager in this business.

值得注意的是，近年来愿意接受再保业务的供给量大幅增加，再保业者总共募集了近 50 亿美元的资金来进军这类业务，且大部分都是新成立的公司，很自然的这些新进的业者急欲承接业务以证明当初他们吸收资金时所作的预估，这些新加入的竞争并不会影响我们 1994 年的营运，因为我们早已经接满了生意，主要是在 1993 年签下的，不过我们已经看到保费价格有恶化的趋势，如果这种情况持续下去，我们将会大幅降低承接的业务量，但随时准备好接下大型且复杂的保险业者所欲寻找确定能够理赔损失的保证。

Then he gets in touch with a Lloyd's underwriter .

然后，他就同劳埃德保险社的一个经营保险业者联系。

The conduct of the market of life insurance is getting competitive. The dealers in life insurance not only compete against the craft but face the minacity accompanied by foreign companies. Under the trend of integrated financial service, the dealers in life insurance also face the challenges of other financial industries.

中文摘要我国人寿保险市场之经营愈来愈竞争，人寿保险业者除了与同业竞争外，还要面临外商保险公司所来的威胁，而在金融服务整合风潮的带领下，人寿保险业者同时也须面临其它金融产业之挑战。

Exchange for a reinsurer's promise to pay a decade or two later, it's

当保险业者今天将资金付给再保业者以换取一、二十年后的保障承诺时，唯有跟实

Peng Chi-ming, founder of WeatherRisk Explore and who worked on the Leofoo project, says Leofoo began looking for insurance dose to the holiday period, when forecasts were out and indicated a high probability of rain, and naturally, not wanting to run at a loss, Fubon raised its premiums accordingly.

也参与规划此份保单的彭启明指出，当初六福村找上保险业者时已相当接近假期，各项天气预报资料都指出降雨机率偏高，不做赔本生意的保险公司当然会提高保费。

In 1922, State Farm was formed by George Mecherle, a farmer from Merna, Illinois, who aimed to take advantage of the pricing umbrella maintained by the high-cost giants of the industry. State Farm employed a "captive" agency force, a system keeping its acquisition costs lower than those incurred by the bureau insurers (whose "independent" agents successfully played off one company against another). With its low-cost structure, State Farm eventually captured about 25% of the personal lines business, far outdistancing its once-mighty competitors. Allstate, formed in 1931, put a similar distribution system into place and soon became the runner-up in personal lines to State Farm.

1922年州农保险由伊利诺州 Merna 的农夫 George Mecherle 所创立，年州农保险由伊利诺州所创立，目标锁定在打破业界掮客所树立的高价保护伞，州农雇用专属仲介人员，标锁定在打破业界掮客所树立的高价保护伞，州农雇用专属仲介人员，这套系统让州农取得保单的成本远低于一般保险同业，套系统让州农取得保单的成本远低于一般保险同业，其独立业务代表接二连三成功地搞倒其它业者，拜其低成本结构所赐，州农最终拮取连三成功地搞倒其它业者，拜其低成本结构所赐，州农最终拮取25%的个的个人业务大饼，含车险及住宅险在内，远远超越昔日强大的竞争对手，人业务大饼，含车险及住宅险在内，远远超越昔日强大的竞争对手，而创立于1931年的 Allstate 也仿效设立类似的行销通路，并一举跃居第二，立于年的也仿效设立类似的行销通路，并一举跃居第二，仅次于州农，资本主义再度发挥神奇的效用，仅次于州农，资本主义再度发挥神奇的效用，而这种低成本的营运确已势不可挡。

For example, insurance covering losses to crops from hail damage produces virtually no float at all. Premiums on this kind of business are paid to the insurer just prior to the time hailstorms are a threat, and if a farmer sustains a loss he will be paid almost immediately. Thus, a combined ratio of 100 for crop hail insurance produces no profit for the insurer.

当然 7%到 11%的范围还是有许多例外情况，例如保险业者承保谷物冰雹伤害损失几乎没有浮存金的贡献，保险业者通常是在冰雹即将来临之前才收到保费收入，而只要其中有任何一位农夫发生损失就要马上支付赔偿金，因此即使谷物冰雹保险的综合比率为 100，保险业者也赚不了半毛钱。

For example, insurance covering losses to crops from hail damage produces virtually no float at all. Premiums on this kind of business are paid to the insurer just prior to the time hailstorms are a threat, and if a farmer sustains a loss he will be paid almost immediately. Thus, a combined ratio of 100 for crop hail insurance produces no profit for the insurer.

例如保险业者承保谷物冰雹伤害损失几乎没有浮存金的贡献，保险业者通常是在冰雹即将来临之前才收到保费收入，而只要其中有任何一位农夫发生损失就要马上支付赔偿金，因此即使谷物冰雹保险的综合比率为100，保险业者也赚不了半毛钱。

It is alternatively possible that you may have problems with a business partner, agent or someone you represent, a tax man, a venture capitalist, an insurance company adjuster, or the courts concerning an inheritance.

这可能是由于下列原因之一，因为你和你的商业伙伴，代理人或是你所代表的人，税务官，风险投资家，保险业者产生了问题。

Any signature by an agent or proxy must indicate whether the agent or proxy has signed for or on behalf of the insurance company or underwriter.

由代理人或代表的任何签署必须标明该代理人或代表是否已签署为或代表保险公司或保险业者。

In the negative and interrogative forms, of course, this is identical to the non-emphatic forms.

。但是，在否定句或疑问句里，这种带有"do"的方法表达的效果却没有什么强调的意思。

Go down on one's knees;kneel down

屈膝跪下。。。下跪祈祷