保单持有人英文

stock insurer 股票保险公司mutual insurer 相互保险公司

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

中国人寿保险股份有限公司China Life Insurance Company Limited。

中国人民财产保险股份有限公司PICC Property and Casualty Company Limited。

股份保险公司的股东并不一定是公司的顾客，相互公司的投保人作为所有人可以参加选举董事会，由董事会任命公司的高级管理人员专事公司的业务经营与管理。投保人能以取得"红利"的形式分享经营成果。

专属保险公司由工商企业自己设立，旨在为该企业、附属企业以及其他相关企业的风险保险或再保险的保险公司。

股份保险公司：

股份保险公司类似于其他产业的股份公司，由发起人根据《公司法》设立，由此具体规定了公司发起人的人数、公司债务的限额、发行股票的种类、税收、营业范围、公司的权力、申请程序、公司执照等。西方发达国家的公司组织由三个权力集团组成，即股东、董事会、高级经理人员。

相互保险公司相互保险公司也是一种公司组织形式，但是一种非营利公司，没有股东，公司为保单持有人（投保人）拥有。因此投保人具有双重身份，既是公司所有人，又是公司的客户。

mutual insurer 相互保险公司stock insurer 股份保险公司相互保险公司(Mutual Insurance Company)是指未上市，并没有股票股东的保险公司。相互保险公司是由所有参加保险的人自己设立的保险法人组织，其经营目的是为各保单持有人提供低成本的保险产品，而不是追逐利润。相互保险公司没有股东，保单持有人的地位与股份公司的股东地位相类似，公司为他们所拥有。相互保险公司没有资本金，也不能发行股票，其运营资金来源于保费，该公司设立前期所需的资金一般是通过借贷等方式由外部筹措；各成员也以其缴纳的保费为依据，参与公司的盈余分配和承担公司发生亏空时的弥补额。保险股份有限公司又称“股份保险公司”，是指由国家保险监管机关批准设立、经营保险业务的股份有限公司，即将全部资本分成等额股份，股东以其所持股份为限对公司承担责任，公司则以其全部资产为限对公司债务承担责任的企业法人。

分红型保险保单持有人可以分享保险公司经营成果的保险种类，保单持有人每年都有权获得建立在保险公司经营成果基础上的红利分配。简单的说就是分享红利，享受公司的经营成果。定义：指保险公司将其实际经营成果优于定价假设的盈余，按一定比例向保单持有人进行分配的人寿保险产品。中文名分红型保险概述分享保险公司经营成果的保险种类简介分红型保险的起源举例现行预定利率一般在2.5%主要特征保单持有人享受经营成果分红型保险的起源：分红险起源于保单固定利率在未来很长时间内和市场收益率变动风险在投保人和保险公司之间共同承担。

保险公司是采用公司组织形式的保险人，经营保险业务。 保险公司享有收取保险费、建立保险费基金的权利。同时，当保险事故发生时，有义务赔偿被保险人的经济损失。保险公司的主要类型为：股份保险公司、相互保险公司和专属保险公司。股份保险公司类似于其他产业的股份公司，由发起人根据《公司法》设立，由此具体规定了公司发起人的人数、公司债务的限额、发行股票的种类、税收、营业范围、公司的权力、申请程序、公司执照等。西方发达国家的公司组织由三个权力集团组成，即股东、董事会、高级经理人员。相互保险公司相互保险公司也是一种公司组织形式，但是一种非营利公司，没有股东，公司为保单持有人（投保人）拥有。因此投保人具有双重身份，既是公司所有人，又是公司的客户。股份保险公司的股东并不一定是公司的顾客，相互公司的投保人作为所有人可以参加选举董事会，由董事会任命公司的高级管理人员专事公司的业务经营与管理。投保人能以取得"红利"的形式分享经营成果。专属保险公司由工商企业自己设立，旨在为该企业、附属企业以及其他相关企业的风险保险或再保险的保险公司。一个客户一定时期缴纳一次或数次保险费，保险公司将大量客户缴纳的保险费收集起来，一发生保险事故，保险公司就支付约定的赔款.如果自始至终保险公司的赔款支出小于保险费收入，差额就成为保险公司的“承保赢利”。例如，大量分散的房屋所有者购买了保险单并且向保险公司支付了保险费，如果保险事故发生，保险人根据保险条款兑现保险责任。对于一些保单的持有者来说，他们因为保险事故的发生而获取的保险金比他所缴纳的保险费高得多，而其他一些人可能因为整个保险期间都没有发生保险事故而根本没有获得赔款。合计下来，保险公司所支付的总赔款要比他们获得的保险费收入少。二者的差额形成费用和利润。投资赢利

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. Key words: investment-risk insurance dividends for universal insurance company risk (risk investment links)

中国人寿保险股份有限公司China Life Insurance Company Limited中国人民财产保险股份有限公司PICC Property and Casualty Company Limited天安保险股份有限公司Tianan Insurance Co., Ltd 中国太平洋保险（集团）股份有限公司China Pacific Insurance(group)Co.,Ltd新华人寿保险股份有限公司New China Life Insurance Co.,Ltd.华夏人寿保险股份有限公司Huaxia Life Insurance Co. Ltd泰康人寿保险股份有限公司Taikang Life Insurance Company 美国友邦保险有限公司 American International Assurance Company, Ltd.光大永明人寿保险有限公司Sun Life Everbright Life Insurance Co.,Ltd海康人寿保险有限公司AEGON-CNOOC Life Insurance Co.,Ltd海尔纽约人寿保险有限公司Haier New York Life Insurance Company 广电日生人寿保险有限公司Nissay-SVA Life Insurance Co.,Ltd.瑞泰人寿保险有限公司Skandia-BSAM Life Insurance Co., Ltd.中德安联人寿保险有限公司 Allianz China Life Insurance Co., Ltd