Homes just stay where they are, so we have far fewer accidents, so they don't have to charge as high a premium for the insurance.

而住宅则是固定的,所以发生事故的情况也更少,这就导致保险公司对住房保险收取的保费,不会太高

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They have to pay--the premium has to cover the costs, so it was tough to get someone to buy life insurance even though they really needed it--it was such a good idea for them.

因为保费必须要超过保险公司的成本,因此,尽管寿险很好,人们也需要它,但是真正要说服人们购买,却是很困难的

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