As to the reason , i think it due to the monopolization of residential financial market to a great extent . for example , mortgage loan borrower is obliged to buy insurance , otherwise is not able to get the money 但是，随着住房置业担保这种担保形式对个人住房抵押贷款保险市场的冲击，加上入世后金融市场逐渐放开，对个人住房抵押贷款保险进行革新非常紧迫和必要。
Premium rate is the core content in basic clauses , it is the price that policy - holder buys insurance substantially , decide exorbitantly inequitable to policy - holder , decide too lowly will naturally cause menace to the solvency of insurance company 保险费率是基本保险条款中的核心内容，本质上是投保人购买保险的代价，定得过高对投保人不公平，定得过低势必会对保险公司的偿付能力造成威胁。
Premium rate is the core content in basic clauses , it is the price that policy - holder buys insurance substantially , those who decide is exorbitant inequitable to policy - holder , those who decide is too low will naturally cause menace to the solvency of insurance company 保险费率是基本保险条款中的核心内容，本质上是投保人购买保险的代价，定的过高对投保人不公平，定的过低势必会对保险公司的偿付能力造成威胁。
Secondly , as the buyer of insurance products , most of them have no enough insurance to avoid the risk in their whole life . they need more insurance , but there is no suitable incent to encourage them to buy insurance . therefore , some tax advance can be the great incent for people affording and buying new insurance product 这一部分介绍了我国保险税制的主要税种和保险税制发展的历史进程,不同历史阶段我国保险税制带有鲜明的时代特点:改革开放之前我国保险税制的设计反应了当时的社会状况,符合当时的社会需求。
" hazard increase " stated in the state ' s " insurance law " is restricted to insurance accident risk , according to foreign legislation experiences , the writer suggests making corresponding modifications on article 36 in " insurance law " , in attempt to increase the risk to influence the payment scope of insured , i . e . influence the insurer to make out underwrite decision . aiming at the problem existing in actual operation and lawsuit of installment auto buying insurance , the writer suggests working out judicial interpretation for insurance law , to standardize the installment auto buying insurance behavior 通过介绍分期付款购车保险纠纷中关于“危险增加”的争议，分析《保险法》第三十六条关于“危险增加”的规定，介绍分析了德国、意大利、日本、韩国等国保险法中的有关“危险增加”的相关规定，提出我国《保险法》设定的“危险增加”不应具局限于保险事故发生危险，还应包括保险人赔付范围危险，即以影响保险人做出承保决定为标准。
I ask congress to move forward on a comprehensive health care agenda with tax credits to help low - income workers buy insurance , a community health center in every poor country , improved information technology to prevent medical error and needless costs , association health plans for small businesses and their employees - - ( applause ) - - expanded health savings accounts - - ( applause ) - - and medical liability reform that will reduce health care costs and make sure patients have the doctors and care they need （掌声）我提请国会推动全面的保健议程，使低收入工人享受抵税优惠，帮助他们购买保险，在每一个贫困的农村地区设立一个社区保健中心，改进信息技术以防止医疗失误和不必要的支出，为小型企业及其雇员设置联合保健计划（掌声）进行医疗赔偿责任改革，降低保健费用，确保病人能得到他们所需要的医生和护理。
Investment join danger is sure to provide investment function more than share out bonus , its insurance profit level guarantee slip and the investment outstanding achievement that invest account independently are contacted directly , the insurance cost that capture pays is ensured through buying insurance except fraction outside , the unit of investment in the independent account that others establishs by insurance company through buying and enter investment account 投资连接险比分红保险更具投资功能,它将保单的保险利益水平与独立投资账户的投资业绩直接联系起来,缴付的保费除小部分通过购买保险保障外,其余部分通过购买由保险公司设立的独立账户中的投资单位而进入投资账户。
