Moral hazard : in insurance , the chance that the insured will be more careless and take greater risks because he or she is protected , thus increasing the potential of claims on the provider 道德风险：保险中指受保人因已投保受到保障而更加粗心，并愿意面对更大的风险，从而增加了向供保方索赔的可能性。
And the sellers must keep their contractual counter - balances reasonable , for fear of losing the business to a competing insurer , as buyers of insurance are , no doubt , conducting similar negotiations with other insurers 同时承保人须令他们的契约平衡而合理，否则竞争对手将夺得这项生意，因为毫无疑问，受保人会向其他保险公司讨价还价。
Upon the maturity of the wealth target and without giving proof of insurability , we guarantee that application for a brand new life policy at manulife for your insured child aged 15 or below will be accepted even if their health conditions then become uninsurable 您可利用财富智选为您的子女累积一笔教育基金。事实上，财富智选将为您提供更多：您的子女受保人15岁或以下可享有免费的保证受保权益。
Additionally , our plan has a life element which will be realized if none or only part of the coverage has been claimed . if you reach the golden age of 100 , we will celebrate your longevity with a birthday present that equals the coverage or the adjusted coverage of your policy 假如你未有或只作部份索偿，在你百岁大寿之际，我们会送上与保障额或调整后的保障额等值的现金作为生日礼物或在受保人身故后发放身故赔偿
Such situations are common in the real world . for instance , an insurance company knows less than the policyholder about the true risks faced ; a borrower knows more than a lender about the probability of repayment ; a government cannot directly observe the true incomes of its taxpayers 非对称信息的例子现实中比比皆是：保单受保人比保险公司更清楚保险合约的真正风险、借方比贷方更清楚还款的机率，以及政府很难直接观察纳税者的真实所得等。
If the employer paid premiums on an insurance policy taken out for the purpose of providing funds to any person ( e . g . one of the partners ) , in the event of death of an insured person ( e . g . the other partner ) , to acquire partnership interests or shares of a limited company , are the premiums paid on such policy deductible 假如雇主购买一份保险单，其目的是在受保人（例如：一位股东）死亡时，提供赔偿给任何人仕（例如：另一位股东） ，用作收购合生意权益或公司股权，由雇主支付的保费是否可予扣税？
Health questions are needed . ace insurance limited will follow up with you . ace insurance limited has the right to reject the application if you have covered under more than one american express accident total care plan or any one type of policy which in whole or in part provides benefit payable in respect of the accidental medical expense and or accidental hospitalization with ace insurance limited 倘若您于安达保险有限公司已拥有一份或以上美国运通周全意外保障计划，或任何由安达保险承保的保单而该类保单会按照受保人因意外引致的医疗费用及或意外住院而提供保单之全部或部份保障，安达保险有限公司有权拒绝接纳此申请。
If the employer paid premiums on an insurance policy taken out for the purpose of providing funds to any person e . g . one of the partners , in the event of death of an insured person e . g . the other partner , to acquire partnership interests or shares of a limited company , are the premiums paid on such policy deductible 假如雇主购买一份保险单，其目的是在受保人例如：一位股东死亡时，提供赔偿给任何人仕例如：另一位股东，用作收购合生意权益或公司股权，由雇主支付的保费是否可予扣税？
