利差英文

Life is the life of the subject matter of insurance, health and death insurance for a personal accident insurance. When the insured person's life insurance in the accident, from insurers to pay insurance premiums. The initial life insurance is to protect because of the unpredictability of death may cause the financial burden, and later, life insurance savings in the introduction of the ingredients, so in the insurance expires when the people are alive, the insurance company will pay the insurance agreement Gold. Life is a social security system, a person's life insurance physical object for the insurance business. For each individual, death, old age, disability, disease, and so are living in dangerous, we called personal risk. Life can be divided into risk protection of life insurance and finance and investment-type life insurance. Risk protection of life insurance emphasis on the protection of the risk of death or survival. Finance and investment-based life insurance products focused on finance and investment, the insured person can also have access to traditional life insurance by the function. The type of insurance can be divided into dividends insurance, investment insurance and universal life insurance link. Insurance dividends Dividends insurance policy holders in obtaining insurance coverage, access to the insurance company dividends, and insurance companies to share operating results. The insurance against inflation and is the main types of changes in interest rates. Bonus dividend comes mainly from the insurance "three poor": interest rate spread, die poor and for worse. Spreads the insurance company is the actual rate of return on investments and the expected rate of return on investments led to the difference between the income or loss; death is scheduled to poor mortality and the mortality difference between the actual result of gains or losses for the insurance company is scheduled to poor rate and the cost of actual costs The difference between the result of gains or losses. Generally speaking, the norms of the insurance market, insurance companies and the difference between the death difference for poor little dividend income comes mainly from interest rate differentials. Investment links insurance policy holders in obtaining insurance coverage, at least in an investment account with a certain value of the assets. Investment links insurance premiums deducted from insurance companies in the insurance risk of death, the remainder of the direct transfer of customer investment accounts, insurance companies, according to the customer in advance of investment choices and investment channels for investment, investment income, the direct impact on the amount of pensions . Universal life insurance flexible, cost-transparent, investment characteristics. Insurance, the insurance premium as the policy holder can demand and economic conditions change, the insured can even temporarily Huanjiao, stop pay premiums, thus changing the amount of insurance. Universal life insurance policies will be in cash value and investment returns linked to the insurance company paid the amount in accordance with the current period, the cost of the current period, then cash value of insurance policies and other variables determine the allocation of investment income, and to all policy holders a written report. Investment insurance specific investments or dividends only with its functional, and investment risks and benefits of co-exist. The return on investment insurance, investment is likely to be part of a certain return, but at the same time, will also have low returns. On the other hand, fundamentally speaking, the so-called investment insurance, investment is more insurance, it only contains a stronger investment functions, is not entirely meaningful investment. Insurance has become a financial management tool, mainly because it can be necessary to provide to the policyholder on the economic benefits. Although there are incidental features of the investment of insurance products, but its most basic and most important thing is to protect function.这个翻译是最好

我没有按照你的中文翻译，觉得翻译得都不太准备，查了一些英文人寿保险的网页。觉得这一篇适合你。Life insurance is unique among financial instruments. It is one of, if not the only financial instrument that is based on caring and love. Even though there can be personal advantages to having life insurance, the real impetus is love for those one cares most about – to make sure they are taken care of. So, applaud yourself for taking the time to learn about this subject (and please follow up with action whether through us or the organization of your choice.)Interestingly, while one is taking care of the financial needs and wants of a spouse or the next generations, life insurance can also develop and build one’s personal financial goals while living. For example, because you have sufficient life insurance, you might be able to use more of your assets to enjoy life in retirement. Why is that? Because if you know you have sufficient life insurance you won’t feel that you are lowering the inheritance by spending some of your principal. You may actually “pay down principal” to some degree to yourself, especially if you have lifetime permanent life insurance as a backup.There are various types of life insurance but they all have some common attributes. You pay an insurance company what are called premiums. At your death, the life insurance company pays an amount to the people you named in your policy, called beneficiaries. Also it’s interesting that if you named a beneficiary(ies) they’d receive the insurance amount free of income tax.Some types of life insurance have cash benefits available while you’re living. In these types, a portion of your premium goes into a cash reserve and builds on a tax deferred basis. You can access this money, called cash value. Some people use it to help education costs, enhance retirement cash flow or for any reason. Two of the most common types of “permanent life insurance” are called whole life insurance and universal life insurance.The different kinds of life insurance are described on the Lifeinsure.com site. To learn more about each type you can go to the navigation panel you click the type of life insurance to learn about. You can also visit the Education Center. Combined with investments, retirement and estate planning, a life insurance policy is a cornerstone of a sound financial plan. By looking into this area, you are making an intelligent and caring financial decision for your family. It is important that you have life insurance and have enough to protect those you care about. Get the insurance you should have.

spread在你说的这个词组里面的意思，感觉更像是指Libor（伦敦银行同业拆借利率）差异。整个词组就是Libor的利差。

利差返还型保险是属于分红保险，是保险公司高于定价假设设定费率，然后在会计结算年度核算经营成果的时候按保监会规定时将一部分盈余向被保险人分配的一种保险。保险公司的盈余主要来源于三差：死差，费差，利差，利差益损是保险公司经营是否盈利的一个标准，至于返钱，这是要看条款规定，有的会有定期固定返还部分，有的则是累计生息，一般经过20年的复利累计，你的那些红利才会真正地累计成一笔客观的数目，这时候你就可以拿出来了。【拓展资料】保险是一个汉语词语，拼音是bǎo xiǎn，英文是Insurance或insuraunce，本意是稳妥可靠保障；后延伸成一种保障机制，是用来规划人生财务的一种工具，是市场经济条件下风险管理的基本手段，是金融体系和社会保障体系的重要的支柱。保险，是指投保人根据合同约定，向保险人支付保险费，保险人对于合同约定的可能发生的事故因其发生所造成的财产损失承担赔偿保险金责任，或者被保险人死亡、伤残、疾病或者达到合同约定的年龄、期限等条件时承担给付保险金责任的商业保险行为。从经济角度看，保险是分摊意外事故损失的一种财务安排；从法律角度看，保险是一种合同行为，是一方同意补偿另一方损失的一种合同安排；从社会角度看，保险是社会经济保障制度的重要组成部分，是社会生产和社会生活“精巧的稳定器”；从风险管理角度看，保险是风险管理的一种方法。世界保险：人类社会从开始就面临着自然灾害和意外事故的侵扰，在与大自然抗争的过程中，古代人们就萌生了对付灾害事故的保险思想和原始形态的保险方法。公元前2500年前后，古巴比伦王国国王命令僧侣、法官、村长等收取税款，作为救济火灾的资金。古埃及的石匠成立了丧葬互助组织，用交付会费的方式解决收殓安葬的资金。古罗马帝国时代的士兵组织，以集资的形式为阵亡将士的遗属提供生活费，逐渐形成保险制度。随着贸易的发展，大约在公元前1792年，正是古巴比伦第六代国王汉谟拉比时代，商业繁荣，为了援助商业及保护商队的骡马和货物损失补偿，在汉谟拉比法典中，规定了共同分摊补偿损失之条款。