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Or the insurance company could be a mutual insurance company, in which case the insurance company is owned by the insured.
保险公司也可以是互助保险公司,也就是保险公司的股东就是被保险人
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I work for a large insurance company,
我在一家很大的保险公司工作，
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An insurance company has reserves and it has enough reserves to cover them for a certain number of accidents.
保险公司一般都有准备金,准备金的数量一般保持在,刚刚够赔偿一定数量的保单
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So they--in other words, the insurance company--doesn't trust the insurance companies to do the calculations like I showed with the binomial theorem.
因此他们...也就是说,他们不放心让保险公司按照二项式定理,自己计算准备金要求
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Moreover, beyond that, how does one know, in taking out an insurance policy, that the insurance company is going to be sound?
除此之外，在人们购买保险时，该如何得知保险公司，会严格按照保单言而守信呢？
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There's the insurance company, could be a corporation and it could be either a non-profit corporation or a for-profit corporation owned by shareholders.
一个保险公司,可以是,非盈利性股份公司,也可以是以盈利为目的的股份公司
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A multiline insurance company insures many different kinds of things and doesn't confine itself to one thing.
多线保险公司为多种事故提供保险,而不是局限于某一种事故
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An insurance company must hold the reserves; it can hold more and that's called the statutory surplus.
保险公司必须持有准备金,可以提取更多准备金,这叫做法定盈余
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If a company were just a fire insurance company it would be a monoline insurance company.
如果一个公司仅提供火险,那它就是单线保险公司
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With non-participating--with participating, you are participating in the portfolio outcome that the insurance company is experiencing, so you have some uncertainty about your cash value.
所谓参与式分红保险,是指你的收益来自某个投资组合收益,而这个投资组合是由保险公司来管理的,所以保单的现金价值是不确定的
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Some of the things I said--you'd probably say, well I should have known that an insurance company would have to do that, but it isn't.
对于我说的一些东西，你可能会说，我早就知道,保险公司会如此操作，但事实并非如此。
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The insurance company has to have some way of demonstrating its soundness to the public.
保险公司必须通过一些方法,来证明其偿还能力。
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Now, how can the insurance company ever evaluate every house properly to avoid that?
如今，保险公司是如何准确评估,每一个房屋的价值而避免那种情况呢？
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You have to have the insurance company set up with a structure itself that guarantees that they have enough reserves to meet the losses that they might incur.
你得保证保险公司的设立是基于以下前提,即它能保证拥有足够的储存资金,以便用来拟补有可能发生的损失。
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If the insurance company has risk, it's because they've made a mistake.
如果说保险公司有风险的话，那是因为他们犯了一个错误。
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It's not just taking what's given by the insurance company.
而不局限于保险公司的既定投资计划
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I was standing at the World Economic Forum at one of our lunch things and a young woman approached from Swiss Re, which is the Swiss Reinsurance Company, and she said she wanted my ideas on how to sell crop insurance in Africa.
有一次,在世界经济论坛的午餐会上,一位瑞士再保险的年轻女士找到了我,她公司的全称是瑞士再保险公司,她说她想知道我关于,如何在非洲出售农作物保险的意见
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