① 美国人寿保险公司标志
因为美国的人均寿命比中国高,所以在保险精算时,客户利益会稍稍高一点。
但中国人在美国买保险,客户承担的风险会比国内大很多,失去了保险的意义,建议不要到美国买保险。
美国保险的五大风险:
法律方面:首先,国内居民投保美国保险,需亲赴美国投保并签署相关保险合同。如在境内投保美国保单,则属于非法的“地下保单”,既不受内地法律保护,也不受美国法律保护。其次,内地居民投保美国保险适用美国地区法律。如果发生纠纷,投保人需按照美国地区的法律进行维权诉讼。与内地相比,美国法律诉讼费用较高,可能面临较高的时间和费用成本。
外汇方面:内地居民在美国购买的保单,赔款、保险金给付以美元等币种结算,消费者需自行承担货币汇兑风险。
收益方面:内地居民个人到境外购买人寿保险和投资返还分红类保险,属于金融和资本项下的交易,是现行的外汇管理政策尚未开放的项目,存在一定的政策风险。
退保方面:美国保险是完全市场化的,没有“保底”设置,保险公司一旦破产,投保人很可能“血本无归”。如果想要中途退保,投保人只能获得保单的现金价值。美国监管部门对保险产品的现金价值无具体要求,大多数长期期交保单在保单前期现金价值很低,前2年甚至为零。
具体条款方面:美国保险产品条款使用英文,表述方式与国内不尽相同。投保人需认真阅读保险条款,避免因对条款理解不准确而引发合同纠纷。
给大家的忠告:
买保险就是把保费交给保险公司,保险公司把风险拿走。我们购买保险的初衷是规避风险,希望风险出现时能有人替自己顶着。保险,让不幸的人幸福起来,让幸福的人一直幸福下去。
如果我们去购买美国保险,保险的这些意义还在吗?
扩展阅读:【保险】怎么买,哪个好,手把手教你避开保险的这些"坑"
② 枪械保险单发连发都是什么字母用一个字母代替是什么
以美军M4为例:“S-1-3”发射模式,S即safe 保险状态 1为半自动 3为一发、三连发射击
M4A1:“S-1-F”发射模式 ,S:保险 1:半自动 F:全自动射击
③ 图片上面红圈圈中的地方是枪的什么部位,叫什么名字,有什么作用,所谓的保险指的是什么
这张图应该可以了。
④ 这个枪上的标志是什么
比利时FN公司的标志
它的法文全称为“Fabrique Nationale d'Armes de Guerre,Herstal lez Liége”,直译是“列日市赫斯塔尔国家兵工厂”,取前两个法文词首简称FN公司。
FN公司在比利时本土设有7家专业化的工厂,雇员近万人,同时在世界上其它国家还经营着近20家子公司。随着公司综合实力的加强,产品种类也在逐渐拓宽,除了传统的军用轻武器外,还研究开发和生产警用武器、运动枪械及弹药,甚至还生产、总装飞机发动机。FN公司的美国子公司的名气日益增大,许多在美国本土或出口其他国家的枪械都由美国公司研制或销售,因此的枪械市场
FN公司是驰名全球的轻武器厂商之一,这一功绩很大程度上应归于建厂初期与美国天才枪械设计师约翰.M.勃朗宁(1897年加入FN公司,1926年在比利时逝世)的密切合作,陆续开发出了一系列FN—勃朗宁武器,诸如久负盛名的9mmFN—勃朗宁大威力手枪,全世界至少55个国家的军队或警察仍在使用。
⑤ 国外保险险种英文缩写
这是保险相关的缩写:
A
ACSR - Accredited Customer Service Representative
ARM - Associate in Risk Management
ARM-P - Associate in Risk Management for Public Entities
ASOP - Actuarial Statement of Practice
B
BAP - business auto policy
BCBSA - Blue Cross and Blue Shield Association
BI - bodily injury
BOP - business owners policy
C
CFROI - cash flow return on investments
CRIS - Construction Risk and Insurance Specialist
CIC - Certified Insurance Counselor
CISR - Certified Insurance Service Representative
CPCU - Chartered Property Casualty Underwriter
CPIW / CPIM - Certified Professional Insurance Woman / Man
CCC - care, custody, or control (exclusion)
COBRA - Consolidated Omnibus Budget Reconciliation Act
D
D&B - Dun & Bradstreet
DEC - declarations page
DED - dectible
DI - disability income
DIC - difference-in-conditions (insurance)
DIL - difference-in-limits (clause)
D&O - directors and officers (liability insurance)
DSU - delay in start-up insurance
DOB - date of birth
DOC - drive other car coverage
DOD - date of death
E
EAP - estimated annual premium
EBIDDA - earnings before interest, dividends, depreciation, and amortization
EH&S - environmental health and safety
EP - earned premium
EPA - Environmental Protection Agency
EPD - expected policyholder deficit
EPL - employment practices liability
EPLI - employment practices liability insurance
ETB - engaged in trade or business
F
FAIR - Fair Access to Insurance Requirements
FALU - Fellow of the Academy of Life Underwriting
FCAS - Fellow of the Casualty Actuarial Society
FAP - family automobile policy (more commonly PAP)
FCPL - farmers comprehensive personal liability
FCRA - Fair Credit Reporting Act
FIRM - flood insurance rate map
FIRREA - Financial Institutions Reform Recovery and Enforcement Act
FMV - air market value
FTCAC - fire, theft, and combined additional coverage
FVD - full value declared
G
GAP - guaranteed auto protection
GCD - guaranteed cost discount
GIO - guaranteed insurability option
GKLL - garagekeepers legal liability (insurance)
GL - general liability
GVW - gross vehicle weight
GWP - gross written premium
H
HIAA - Health Insurance Association of America
HII - Health Insurance Institute
HIPAA - Health Insurance Portability and Accountability Act
HLDI - Highway Loss Data Institute
HLV - human life value
HCQIA - Health Care Quality Improvement Act
HPL - hospital professional liability (insurance)
HPR - highly protected risk (property)
I
IAHU - International Association of Health Underwriters
IFC - insured fixed-price cleanup
IIAA - Independent Insurance Agents of America, Inc.
IIAC - International Insurance Advisory Council
IIHS - Insurance Institute for Highway Safety
III - Insurance Information Institute
IRI - Instrial Risk Insurers
IRIS - Insurance Regulatory Information System
IRM - improved risk mutuals
ITI - Insurance Testing Institute
J
JCAH - Joint Commission on the Accreditation of Hospitals
JCAHO - Joint Commission on Accreditation of Healthcare Organizations
JSA - job safety analysis
JUA - joint underwriting authority; joint underwriting association
JV - joint venture
L
LAE - loss adjustment expense
LIAA - Life Insurance Association of America
LIAMA - Life Insurance Agency Management Association
LIRB - Liability Insurance Research Bureau
LLC - limited liability company
LMU - loss mitigation underwriting
LOC - letter of credit
LTA - lost time accident; long term agreement
LTD - long-term disability
M
MCO - managed care organization
M&D - minimum and deposit
MDO - monthly debit ordinary life insurance
MDRT - Million Dollar Round Table
MET - multiple employer trust
MFL - maximum foreseeable loss
MLE - maximum loss expectancy
MLEA - multiple line exclusive agent
MPCI - multi-peril crop insurance
MPL - maximum possible loss
MPP - managed premium plan
MVR - motor vehicle record
N
NAUA - National Auto Underwriters Association
NDI - National Disaster Insurance Association
NFIP - National Flood Insurance Program
NFIRA - National Flood Reform Act
NFPA - National Fire Protection Association
NIOSH - National Institute for Occupational Safety and Health
NRRA - National Risk Retention Association
NRT - National Response Team
NSC - National Safety Council
O
OCA - outstanding claims account
OCIP - owner controlled insurance program
OD - occupational disease
OL&T - owners, landlords, and tenants (insurance)
ORFS - operational risk financing securities
ORM - operational risk management
OSHA - Occupational Safety and Health Act; Occupational Safety and Health Administration
OSLR - outstanding loss reserves
OTC - other than collision
P
PAP - personal auto policy
P&C - property and casualty
PC - professional corporation
P&I - protection and indemnity (insurance)
PI - personal injury
PIA - primary insurance account
PIAA - Physician Insurers Association of America
PICA - Professional Insurance Communicators of America
PIP - personal injury protection
PMA - package modification adjustment
PMF - package modification factor
PMI - private mortgage insurance
PML - probable maximum loss
R
RAA - Reinsurance Association of America
RAM - reverse-annuity mortgage
RAROC - risk-adjusted return on capital
RARORAC - risk-adjusted return on risk-adjusted capital
RBC - risk-based capital
RBNE - reserved but not enough
RC - replacement cost
RTW - return to work
S
SAA - Surety Association of America
SCOPE - supervision, construction, occupancy, protection, exposure
SCPCU - Society of Chartered Property & Casualty Underwriters
SEC - Securities and Exchange Commission
SEMCI - single entry multiple carrier interface
S&P - Standard and Poor's
SPAP - Special Personal Auto Policy
STD - short-term disability
T
TDB - temporary disability benefits
TDI - trade disruption insurance
TEFRA - Tax Equity and Financial Responsibility Acts of 1982 & 1983
TERI - targeted enterprise risk insurance
TIAA - Teachers Insurance and Annuity Association
TOLI - trust-owned life insurance
TOR - technique of operations review
TPA - third-party administrator
TRA - Tax Reform Act of 1984
TRIA - Terrorism Risk Insurance Act
TTD - temporary total disability
U
UEP - unearned premium
UJF - unsatisfied judgment fund
UIM - underinsured motorist
UIMV - underinsured motor vehicle
UL - umbrella liability; Underwriters' Laboratories
ULAE - unallocated loss adjustment expenses
ULC - Underwriters Laboratories of Canada
UM - uninsured motorist
UMPD - uninsured motorist property damage
UMV - uninsured motor vehicle
UNL - ultimate net loss
U&O - use and occupancy
W
WC - Workers Compensation
WCRI - Workers Compensation Research Institute
Y
YRCT - yearly renewable convertible term
YRT - yearly renewable term
⑥ 这是什么标志,关于枪械的
表示这是 生化武器
⑦ 在美国欧洲日本这些国家,他们挡风玻璃前需要贴保险等标志吗
不需要,购买保险是必要的,但不需要贴出来也知道你买没买保险,有的国家不买保险,车辆只能待在家里
⑧ 什么是枪保险
配额销售,保险公司对某产品设置保额或保费上限,就需要抢购,抢完就停售,比如即将到来的平安双12财富盛宴就是抢双尊
⑨ 现在群里流行的搞笑图片,有个外国人,给手枪上保险那是什么电影
憨豆007,谢谢!KEKEKEKEKE
⑩ M4及M16等步枪保险(也叫快慢机)上的英文分别有三个,是哪三个分别代表什么
M4、M16是这样表示的
SAFE:保险、SEMI:点射\半自动、AUTO:连发\全自动 单发的只有两档,没有AUTO
像HK公司生产的G3系列大多是图画表示:一发子弹代表单发,一串子弹代表连发,子弹上打叉代表保险