200分悬赏：保险文章中译英，高手请进！！！

Question

下面这段文章，请专业人士中译英，不胜感激（谢绝机器翻译）！！

人寿保险是以人的生命为保险标的，以生、死为保险事故的一种人身保险。当被保险人的生命发生了保险事故时，由保险人支付保险金。最初的人寿保险是为了保障由于不可预测的死亡所可能造成的经济负担，后来，人寿保险中引进了储蓄的成分，所以对在保险期满时仍然生存的人，保险公司也会给付约定的保险金。人寿保险是一种社会保障制度，是以人的生命身体 为保险对象的保险业务。对于每一个人来说，死亡、年老、伤残、疾病等都是生活中的危险，我们叫做人身危险。
人寿保险可以被划分成风险保障型人寿保险和投资理财型人寿保险。风险保障型人寿保险偏重于保障人的生存或者死亡的风险。投资理财型人寿保险产品侧重于投资理财，被保险人也可获取传统寿险所具有的功能。该类型保险可分为分红保险、投资连结保险和万能人寿保险。分红保险
分红保险保单持有人在获取保险保障之外，可以获取保险公司的分红，即与保险公司共享经营成果。该保险是抵御通货膨胀和利率变动的主力险种。分红保险的红利主要来源于“三差”：利差、死差和费差。利差是保险公司实际投资收益率和预定投资收益率的差额导致的收益或者亏损；死差是预定死亡率和实际死亡率的差额导致的收益或者亏损；费差是保险公司预定费用率和实际费用率的差额导致的收益或者亏损。一般来说，在规范的保险市场，保险公司之间死差和费差差异不大，红利主要来源于利差收益。
投资连结保险保单持有人在获取保险保障之外，至少在一个投资账户拥有一定资产价值。投资连结保险的保险费在保险公司扣除死亡风险保险费后，剩余部分直接划转客户的投资账户，保险公司根据客户事先选择的投资方式和投资渠道进行投资，投资收益直接影响客户的养老金数额。
万能人寿保险具有弹性，成本透明，可投资的特征。保险期间，保险费可随着保单持有人的需求和经济状况变化，投保人甚至可以暂时缓交、停交保险费，从而改变保险金额。万能人寿保险将保险单现金价值与投资收益相联系，保险公司按照当期给付的数额、当期的费用、当时保险单现金价值等变量确定投资收益的分配，并且向所有保单持有人书面报告。
投资类保险所特有的投资或分红只是其附带功能，而投资是风险和收益并存的。对于投资类保险的回报，投资部分确实可能会有一定回报，但同时，也一定会遇到低回报。而另一方面，从根本上讲，所谓投资类保险，只是投资性更强的保险，它只含有了更强的投资功能，还并不是完全意义的投资。保险之所以成为理财工具，主要还是因为它能够在需要时能够给投保人提供经济上的给付。尽管也有附带投资功能的保险产品，但其最基本和最重要的还是保障功能。

关键词：投资型保险 分红险 万能险 投连险（投资连结险）

多多帮忙 不胜感激

Answer 1

The life insurance is take human's life as the safe sign, take lives, dies as the insurance accident one kind of life insurance.When insured's life has had the safe accident, pays the insurance money by the insurer.The initial life insurance is in order to safeguard because cannot be forecast the death institute possibly creates the economic burden, afterwards, in the life insurance has introduced the deposit ingredient, therefore to in insurance expiration time still survived the human, the insurance company also could pay agreement the insurance money.人寿保险是一种社会保障制度，是以人的生命身体 为保险对象的保险业务。对于每一个人来说，死亡、年老、伤残、疾病等都是生活中的危险，我们叫做人身危险。
人寿保险可以被划分成风险保障型人寿保险和投资理财型人寿保险。风险保障型人寿保险偏重于保障人的生存或者死亡的风险。投资理财型人寿保险产品侧重于投资理财，被保险人也可获取传统寿险所具有的功能。该类型保险可分为分红保险、投资连结保险和万能人寿保险。分红保险
分红保险保单持有人在获取保险保障之外，可以获取保险公司的分红，即与保险公司共享经营成果。该保险是抵御通货膨胀和利率变动的主力险种。分红保险的红利主要来源于“三差”：利差、死差和费差。利差是保险公司实际投资收益率和预定投资收益率的差额导致的收益或者亏损；死差是预定死亡率和实际死亡率的差额导致的收益或者亏损；费差是保险公司预定费用率和实际费用率的差额导致的收益或者亏损。一般来说，在规范的保险市场，保险公司之间死差和费差差异不大，红利主要来源于利差收益。
投资连结保险保单持有人在获取保险保障之外，至少在一个投资账户拥有一定资产价值。投资连结保险的保险费在保险公司扣除死亡风险保险费后，剩余部分直接划转客户的投资账户，保险公司根据客户事先选择的投资方式和投资渠道进行投资，投资收益直接影响客户的养老金数额。
万能人寿保险具有弹性，成本透明，可投资的特征。保险期间，保险费可随着保单持有人的需求和经济状况变化，投保人甚至可以暂时缓交、停交保险费，从而改变保险金额。万能人寿保险将保险单现金价值与投资收益相联系，保险公司按照当期给付的数额、当期的费用、当时保险单现金价值等变量确定投资收益的分配，并且向所有保单持有人书面报告。
投资类保险所特有的投资或分红只是其附带功能，而投资是风险和收益并存的。对于投资类保险的回报，投资部分确实可能会有一定回报，但同时，也一定会遇到低回报。而另一方面，从根本上讲，所谓投资类保险，只是投资性更强的保险，它只含有了更强的投资功能，还并不是完全意义的投资。保险之所以成为理

Answer 2

我没有按照你的中文翻译，觉得翻译得都不太准备，查了一些英文人寿保险的网页。觉得这一篇适合你。
Life insurance is unique among financial instruments. It is one of, if not the only financial instrument that is based on caring and love. Even though there can be personal advantages to having life insurance, the real impetus is love for those one cares most about – to make sure they are taken care of. So, applaud yourself for taking the time to learn about this subject (and please follow up with action whether through us or the organization of your choice.)

Interestingly, while one is taking care of the financial needs and wants of a spouse or the next generations, life insurance can also develop and build one’s personal financial goals while living. For example, because you have sufficient life insurance, you might be able to use more of your assets to enjoy life in retirement. Why is that? Because if you know you have sufficient life insurance you won’t feel that you are lowering the inheritance by spending some of your principal. You may actually “pay down principal” to some degree to yourself, especially if you have lifetime permanent life insurance as a backup.

There are various types of life insurance but they all have some common attributes. You pay an insurance company what are called premiums. At your death, the life insurance company pays an amount to the people you named in your policy, called beneficiaries. Also it’s interesting that if you named a beneficiary(ies) they’d receive the insurance amount free of income tax.

Some types of life insurance have cash benefits available while you’re living. In these types, a portion of your premium goes into a cash reserve and builds on a tax deferred basis. You can access this money, called cash value. Some people use it to help education costs, enhance retirement cash flow or for any reason. Two of the most common types of “permanent life insurance” are called whole life insurance and universal life insurance.

The different kinds of life insurance are described on the Lifeinsure.com site. To learn more about each type you can go to the navigation panel you click the type of life insurance to learn about. You can also visit the Education Center. Combined with investments, retirement and estate planning, a life insurance policy is a cornerstone of a sound financial plan. By looking into this area, you are making an intelligent and caring financial decision for your family. It is important that you have life insurance and have enough to protect those you care about. Get the insurance you should have.

参考资料：http://www.lifeinsure.com/lifeinsurance/index.asp

Answer 3

The life insurance is take person's life as the safe sign, take lives, dies as insurance risk's one kind of life insurance. When insured's life has had the insurance risk, pays the insurance money by the insurer. The initial life insurance is to safeguard, because dies uncertain the economic burden which the institute possibly creates, afterward, in the life insurance has introduced the deposit ingredient, therefore to insurance expiration time still survived the human, the Insurance company will also pay agreement the insurance money. The life insurance is one kind of social security systems, is take person's life body as insured object insurance business. Regarding each person, the death, old, the disability, disease and so on is in the life danger, we are called the person danger.
The life insurance may divide the risk safeguard life insurance and the investment managing finances life insurance. The risk safeguard life insurance stresses in safeguards person's survival or the death risk. The investment managing finances life insurance product stresses on investment managing finances, the insured may also gain the function which the traditional life insurance has. This type insurance may divide into draws bonus the insurance, the investment to link safe and the multi-purpose life insurances. Draws bonus the insurance
Draws bonus the insurance chit possessor beside the gain insurance cover, may gain the Insurance company to draw bonus, namely shares the management performance with the Insurance company. This insurance is resists the inflation and the interest rate change main force danger plants. Draws bonus the insurance dividend important source in “three difference”: Spread, dead difference and Fei Chai. The spread is the income which or the loss the Insurance company actual investment returns ratio and the predetermined investment returns ratio's difference causes; The dead difference is the income which or the loss the predetermined mortality rate and the actual mortality rate's difference causes; Fei Chai is the income which or the loss the Insurance company predetermined scale of charges and the actual scale of charges's difference causes. Generally speaking, in the standard insurance market, between the Insurance company the dead difference and spends the difference difference not to be big, dividend important source in spread income.
The investment links the insurance chit possessor beside the gain insurance cover, has certain property value at least in an investment account. The investment links the insurance the insurance premium after the Insurance company deducts the death risk insurance premium, the remainder direct transfer customer's investment account, the Insurance company according to the investment way which and the investment channel the customer chooses beforehand carries on the investment, the investment yield immediate influence customer pension amount.
The multi-purpose life insurances have the elasticity, the cost are transparent, may invest characteristic. Safe period, the insurance premium may along with the chit possessor's demand and the financial circumstance change, the policy holder even may the temporary defer payment, the stop delivery insurance premium, thus changes the insurance. The multi-purpose life insurances relate the insurance policy cash value and the investment yield, Insurance company according to, when the time pays the amount, works as time expense, at that time variable determination investment yield and so on insurance policy cash value assignments, and to all chit possessor written report.
The investment class insurance unique investment or draws bonus is only its supplementary function, but invests is the risk and income coexisting. Regarding the investment class safe repayment, the investment part will truly possibly have certain repayment, but simultaneously, also certainly will meet the low repayment. But on the other hand, fundamentally speaking, the so-called investment class insurance, is only an investment stronger insurance, it only included the stronger investment function, but is also not the complete significance investment. The reason that the insurance becomes the managing finances tool, because mainly it can in the need time can provide in the economical to the policy holder paying. Although also has the supplementary investment function safe product, what but its is most basic and is most important is the safeguard function.
投资型保险 Investment insurance
分红险 Draws bonus the insurance
万能险 Multi-purpose insurances
投连险（投资连结险）
The investment links the insurance

Answer 4

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

Answer 5

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)