死亡保险

道德危险问题一直伴随着保险业的发展，这在死亡保险合同中表现得更为明显。

The insurance line is always developing with moral hazards , which is more obvious in the Death Insurance Contract .

畜禽疾病诊治技术推广模式&兽医人才培训单位+畜禽死亡保险公司+农户；

Extension models for diseases diagnosis and treatment of the livestock and poultry & institutions for veterinarian training + livestock and poultry death insurance companies + farmer households .

终身保险含储蓄性质，因此费率高于定期死亡保险。

Whole-life insurance contains deposit quality , because this is expended , lead prep above fixed insurance against death .

为他们投死亡保险，可能会有人故意制造使他们死亡的保险事故来赚取保险金。

Project insurance against death for them , may somebody makes the insurance accident that makes they die intentionally earn insurance gold .

接着以可保危险为参照对道德危险进行研究，并比较、分析了道德危险在死亡保险合同与其他保险合同中的区别。

The author analyzes three theories about moral hazard , and define the moral hazard by comparing with deceit in insurance as well as other concepts .

如此以来，要研究投资型寿险需求，就需要将传统定期死亡保险和证券投资的需求问题结合起来考虑才能确定。

Thus , in order to study the demand for investment life insurance , we need to take both term life insurance and securities invest into consideration .

第四、五两章讨论存在不可分散风险的随机收入时最优消费、投资、定期人寿死亡保险模型。

The first part covers from Chapter Two to Chapter Five , mainly concerning the optimum investment , consumption and periodical insurance payable at death for life model ;

脆弱条件下的死亡人寿保险精算模型

Actuarial models of lifetime insurance under frailty condition

但是这可能会影响到纯消性保费的支出过小，一旦死亡，保险金会比较少。

However , this choice will probably lead to less expense on term life insurance . Once he dies , his family will obtain less payment from insurance company .

保险单为突然死亡或伤残保险。

The insurance policy covers sudden death or disablement .

在执行任务期间，志愿者将享受因公致病、受伤或死亡的特殊保险和赔偿。

During their assignment volunteers will receive insurance and compensation exclusively for service-incurred illness , injury or death .

保险受益权是指受益人依照具有死亡因素的保险合同的约定或者法律的规定，于被保险人死亡后享有的领取保险金的权利。

If the beneficiary deliberately contributes to the death of the insured , he will forfeit his beneficial right in the light of the law .

以死亡为给付保险金条件的保险合同，被保险人自杀的，保险人如何承担保险责任？

Pay insurance gold in order to die insurance contract of the condition to give , insurant commits suicide , how does the underwriter assume insurance responsibility ?

保险受益人仅存在于生存保险之外的人身保险合同中，即具有死亡因素的保险合同中。

The former is valid only in the contract of life insurance except that of the endowment insurance , the insurance contract that encompasses death elements in other words .

依照以死亡为给付保险金条件的合同所签发的保险单，未经被保险人书面同意，不得转让或者质押。

An insurance policy stipulating death as the prerequisite for the payment of the insurance benefits shall not be transferred or mortgaged without the written consent of the insured .

在以死亡为给付保险金条件的人身保险合同中，受益人的道德风险表现多样，成因复杂，危害严重。

In the moral hazard of insurance beneficiary contract that encompasses death elements , moral hazard of insurance beneficiary is various , which cause is complicated and result is serious .

2010年夏天席卷俄罗斯西部、造成约5.6万人死亡（根据保险公司的独立估算）的野火是由全球变暖引起的吗？

Did the wildfires that swept western Russia in the summer of 2010 killing some 56000 people , according to the independent estimate of the insurance company result from global warming ?

能否为无民事行为能力人投保和承保以死亡为给付保险金条件的人身保险？

Whether be protected to do not have person of civil action competence to cast and is the person that accept insurance pays insurance gold the condition to give with dying safe ?

以死亡为给付保险金条件的保险是以被保险人的死亡作为保险事故，在事故发生时由保险人向受益人支付保险金。

The insurance that pays insurance gold in order to die the condition to give is serve as insurance accident with the death of insurant , insurance gold pays to beneficiary beneficiary by the underwriter when accident happening .

他们的出路是雇佣一个自暴自弃的西部明星（琼斯饰演），鼓励他在一部牛仔电影中做危险的特技表演，然后在他意外死亡时骗取保险金。

Their solution : hire a washed-up western star ( Jones ) , encourage him to do his own dangerous stunts in a cowboy movie , and collect the insurance cheque if , and when , he is killed .

不论在保险费交付期，还是在养老金领取期，如被保险人死亡，则保险合同即告终止，保险人没有退还保险费或给付养老金的义务。

Be in no matter insurance premium consign period , still get in annuities period , if insurant dies , safe the contract ends namely stop , the underwriter did not reimburse insurance premium or give the obligation that pays old-age pension .

我国《保险法》规定，投保人不得为无民事行为能力人投保以死亡为给付保险金条件的人身保险，保险人也不得承保。

Our country " insurance law " regulation , policy-holder must not protect the person that pays insurance gold the condition to give with dying to be sure to be cast without person of civil action competence , the underwriter also does not get accept insurance .

投保人一旦死亡，该项保险将给其家属支付相当可观的保险金。

The insurance plan will provide substantial cash benefits to your family in case of your death .

同时，死亡时间推断对保险理赔及财产继承等民事案件也具有一定的现实意义。

At the same time , estimation of postmortem interval also has some practical significance in insurance indemnity and civil cases , such as property inheritance .

其一，死亡给付。被保险人遭受意外伤害造成死亡时，保险人给付死亡保险金。验尸官对意外事故造成的死亡裁决作了记载。

One of , die to pay . When insurant suffers accident harm to cause death , the underwriter gives pay insurance against death gold . The coroner record a verdict of death by misadventure .

但寿险合同的可转让性衍生出可保利益在寿险保单中的另一个特点，即在被保险人死亡时，领取死亡保险金的人不需要对被保险人具有可保利益关系。

However , the transferability of life insurance contract leads to another feature of life insurance policy , namely , the recipient of death benefit when the insured dies does not necessarily have insurable benefit to the insured .