Lengthy projects to build roads, railways, airports and energy installations often have the right kind of steady returns, with a duration that lines up well with commitments to pay out life assurance or pension policies 10, 20 or 30 years hence. 建设公路、铁路、机场和能源装置的长期项目通常拥有合适的稳定回报,时间周期也与人寿保险或养老保险金的10年、20年或30年的偿付承诺相匹配。
But life assurance premium growth is decelerating – to around 10 per cent in 2006 under mainland accounting standards. 但寿险保费收入的增速正在下降,按照中国大陆的会计标准,2006年增速已降至10%左右。
I quickly realized the problem and, in short order, merged another company into it and sold them both to a large, bureaucratic organization called Equitable Life Assurance Society of America. 我很快就意识到这个问题。在短暂的整理之后,我把另外一家公司跟它合并。并且把它们卖给了一家被叫做美国公正人寿保险协会的官方机构。
McKinsey estimates China and India will account for about 70 per cent of regional growth in life assurance premium income. 麦肯锡估计,中国和印度将占据亚洲寿险保费收入增长的大约70%。
Despite the challenges, PwC said that the annual premium income in life assurance in China was expected to double in the next three years and so offer fresh opportunities for those foreign participants able to leverage their global expertise. 尽管挑战重重,但普华永道表示,未来三年中国寿险市场的保费年收入预计将会翻一番,从而为那些能够让自己的全球专业技能发挥作用的外国保险公司提供新的机遇。
These were the actuaries working in life assurance. 这些人就是寿险精算师。
Another person said that Prudential first discussed a possible regional listing this year as a way of raising funds to bid for AIG's coveted Asian life assurance unit, which at the time was up for sale. 另一名人士表示,保诚今年讨论在亚洲地区的上市计划,起初是为了筹集资金,用以竞购美国国际集团(AIG)引人觊觎的亚洲寿险部门该部门当时正准备出售。
Respondents also fear the looming competitive threat of China's largest banks, many of whom have regulatory permission to enter the life assurance market and who are expected to use their branch networks to target potential customers. 受访者还对中国最大型银行的潜在竞争威胁表示担忧。中国许多最大型的银行已得到监管部门的许可,得以进军寿险市场,它们应当会利用自己的分支行网络,来争取潜在客户。
Director, Financial Services, Great Eastern Life Assurance Co Ltd. 总监,财务服务,大东方人寿保险有限公司。
Considering the future of his wife and children, he decides to buy some life assurance. 想到老婆与孩子的未来,他决定要买份寿险。
PwC predicts that annual premium income in life assurance in China will double over the next three years, and so offer fresh growth opportunities for foreign participants. 普华永道预测,未来3年,中国寿险行业的年保费收入将增长1倍,从而为外国参与者带来新的增长机遇。
In life assurance, the level of financial compensation is agreed at the beginning of a contract. 在人寿保险里,财务赔偿的标准是一开始就由契约约定了的。
Citi has already sold several peripheral units, including its leasing business and its Diners Club credit card network, and it has been reported to be looking at the sale of Primerica, a seller of life assurance and investments. 花旗集团已出售了一些外围部门,包括其租赁业务及其dinersclub信用卡网络,据报道,花旗正考虑出售其寿险及投资销售公司primerica。
Tom decided to buy a life assurance of one hundred thousand dollars. 汤姆决定买十万美元的人寿保险。
About 70 per cent of life assurance products in China are in fact more akin to certificates of deposit. 中国大约70%的人寿保险产品其实更加类似于存单。
One of the most valuable parts of AIG likely to be put up for sale is its Asian life assurance operation. 美国国际集团可能挂牌出售的最有价值资产之一,是它的亚洲人寿保险业务。
AIG is the biggest provider of commercial insurance in the US, one of the biggest writers of life assurance there, and the biggest provider of fixed annuities, a popular retirement savings product. 美国国际集团是美国最大的商业保险提供商、最大的寿险公司之一,以及最大的固定年金提供商这是一种流行的退休储蓄产品。
However, this amounts to just 1 per cent of the total life assurance market in China. 不过,这只相当于中国整体寿险市场的1%。
Below are two versions of a reply of an insurance company to a bank's request for details of a life assurance. The policy is to be assigned to the bank. 下面是两封由保险公司应银行要求回复的生命保险信函范本。政策是由银行指派。
McKinsey estimates that between 2007 and 2012, tens of millions of households in China will cross the$ 10000 annual income threshold, creating a giant pool of customers who can afford to purchase life assurance. 麦肯锡估计,2007年至2012年间,中国数千万家庭将越过年收入1万美元的门槛,形成一个买得起人寿保险的巨大客户群体。
But bankers and financial executives not involved in the deal have privately expressed doubts whether prospective bidders would be willing to pay that much given the failure of the first sale and the competitive environment of the Taiwan life assurance market. 但没有参与交易的银行家与金融高管们私下里表示,鉴于第一次出售尝试失败,且台湾寿险市场竞争激烈,他们怀疑潜在竞购者是否愿意支付那么多钱。
Kevin is a salesman for a life assurance company. 凯文是一家人寿保险公司的业务员。
List showing how long people of certain age are likely to live, used to calculate life assurance premium. 列出某种年龄的人活多长,以此来计算保险费的一览表。
But another reason for success is that in the UK, in contrast to the US or continental Europe, bonds are concentrated in the hands of a small pool of life assurance companies and pension funds, who have know each other for decades. 但是,成功的另一个原因在于,英国与美国或欧洲大陆不同,在这里,债券集中在少数寿险公司和养老基金手中,它们彼此已经打了数十年的交道。
For instance, it might seek to use earnings to expand the life assurance arm, and not on dividends to investors. 例如,它可能会寻求将收益用于寿险公司的扩张,而不是向投资者派息。
At stake is a slice of China's ever-growing market for life assurance, which is already the world's seventh largest by premium income despite penetration rates of only 2 per cent. 重点就是在中国不断增长的寿险市场分得一杯羹。尽管中国寿险市场的普及率仅为2%,但按保费收入计算,中国的寿险市场已位列世界第七。
American International Group will this week assess initial bids for its$ 2bn Taiwanese life assurance unit, after strong interest from global private equity firms and strategic buyers. 全球私人股本公司和战略买家对美国国际集团(AIG)价值20亿美元的台湾寿险子公司表现出浓厚兴趣,AIG本周将对首轮投标进行评估。