Contents 1
Unit One Risk 1
Text A The Meaning of Risk 1
Text B The Classification of Risk 7
Text C The Management of Risk 13
Unit Two Risk and Insurance 21
Text A The Attitude to Risk 21
Text B The Nature of Insurable Risks 27
Text C The Classes of Life Insurance 35
Text A Insurance 41
Unit Three An Introduction to Insurance 41
Text B The Development of Insurance 48
Text C Special Features of Life Insurance 54
Unit Four Insurance Practice 60
Text A The Task of the Underwriter 60
Text B Handling Claims 66
Text C Reinsurance 73
Unit Five Policies and Insurance 79
Text A Insurance Regulation 79
Text B Financial Policies and Insurance 86
Text C Balance of Payments and Insurance 92
Text A Offer and Acceptance 98
Unit Six Contract and Law 98
Text B Offer and Acceptance in Insurance 104
Text C The Nature of Law 109
Unit Seven Insurable Interest and Utmost Good Faith 114
Text A Insurable Interest 114
Text B Application of Insurable Interest 121
Text C Utmost Good Faith 126
Unit Eight Proximate Cause 131
Text A Definition of Proximate Cause 131
Text B Train of Events 137
Text C Proof of Loss 143
Unit Nine Indemnity and Its Corollaries 149
Text A Indemnity 149
Text B Subrogation 155
Text C Contribution 161
Unit Ten Insurance Market and Claims Settling 166
Text A Insurance Market 166
Text B General Procedures for Notification of Claims 171
Text C Property Insurance Clauses 176
参考译文 185
参考答案 215