the various forms of life insurance protect one's dependents against major financial losses in the event of the insured's death.

in general, the higher the excess, the more careful would be the insured and hence the lower risk of having a claim.

一般来说，更高的多余的，更小心，因此将被保险人的风险降低有索赔。

this covers personal injury to the driver (when not at fault), passengers of the insured vehicle and any third party.

这涉及人身伤害的驱动程序（当没有过失），乘客投保车辆和任何第三方。

the underwriters shall not be liable in respect of unrepaired damage for more than the insured value at the time this insurance terminates.

保险人对未修理的损害的赔偿责任，不应超过本保险终止时的保险价值。

warranty is a particular system of marine insurance law. it is an obligation for the insured required by the principle of utmost good faith.

“保证”是海上保险中一项特有的制度，其是基于海上保险法“最大诚信原则”而要求被保险人履行的义务。

the insured person suffering from any pre-existing physical defect or infirmity which existed prior to inception of this policy.

被保险人因本身存在的缺陷或病症，而此缺陷或病症在保单有效前已存在。

if the insured cancels , earned premiums shall be computed in accordance with the customary short rate table and procedure .

如果被保险人取消本保单，满期保费应依照常用的短期费率表和程序来计算。

china life insurance shall transfer deformity compensation directly into the account designated by the insured.

伤残保险金给付时，中国人寿负责将保险金直接划入被保险人的指定账户。

from the time the insured goods leave the consignor's warehouse at the place of shipment named in the policy.

本保险责任自被保险货物运离本保险单所载明的启运地发货人的仓库时生效。

should the applicant fail to pay the premium as agreed above, the insurer shall not be liable for the insured events.

投保人未按上述约定交纳保险费，发生保险事故，保险人不承担赔偿责任。

in the case of several beneficiaries, the insured or the insurant may determine the order and shares of the benefit among them.

受益人为数人的，被保险人或者投保人可以确定受益顺序和受益份额；

the duty of disclosure on the insured formed in the 18th century, is one of the oldest system in the area of marine insurance.

被保险人告知义务制度形成于十八世纪，是海上保险领域最古老的制度之一。

whether the boker know the article or not, once the insured acted against the assurance, the insurance agency could refuse compensation.

不管经纪人知不知道，只要被保险人违反了保证，保险公司都可以拒赔。

the insurer may refuse to issue the insurance policy or other insurance certificate before the premium is paid by the insured.

被保险人支付保险费前，保险人可以拒绝签发保险单证。

the changes of names, addresses or other corresponding addresses of the insured units.

一投保单位之名称、地址或其通讯地址之变更。

loss or damage arising from the inferior quality or shortage of the insured goods prior to the attachment of this insurance.

在保险责任开始前，被保险货物已存在的品质不良或数量短差所造成的损失。

designation or change of the beneficiary of death benefit by the applicant shall be subject to consent of the insured.

投保人指定或变更身故保险金受益人时，须经被保险人同意。

life insurance premiums increase with the age of the insured.

人寿保险的保费费随被保险人的年龄的增加而提高。

after settlement of medical expenses, china life insurance shall transfer compensation directly into the account designated by the insured.

医疗费用结算后，中国人寿将保险金直接划入被保险人的指定账户。

the insured decides whether to claim, given the offered contract, the realized damage level, and the number of years without a claim.

假设已提供合同，当已实现的损失水平和无索赔的年数均已给出时，考虑投保者是否决定索赔。

upon the day the insured establishment declares his withdrawal from labor insurance coverage, insurance coverage immediately ceases.

自投保单位申报劳工保险退保效力停止之日起，其保险效力即行终止。