Article 57 If the contract specifies payment of the premiums by installments and the applicant has paid the first installment but fails to pay any subsequent installments within a sixty (60)days grace period, the contract shall lapse, or the insurer shall reduce the insured amount in accordance with the contract, unless specified otherwise in the contract.

第五十七条 　合同约定分期支付保险费，投保人支付首期保险费后，除合同另有约定外，投保人超过规定的期限六十日未支付当期保险费的，合同效力中止，或者由保险人按照合同约定的条件减少保险金额。

属类：法学专业-中国法律-保险法

Article 53 If the age of the insured is not correctly given by the applicant, and the actual age of the insured does not fall within the age range specified by the contract, the insurer may terminate the contract and return the premiums to the applicant after deducting expenses therefrom. However, this does not apply to contracts which have been in force for two (2)years or more.

第五十三条 　投保人申报的被保险人年龄不真实，并且其真实年龄不符合合同约定的年龄限制的，保险人可以解除合同，并在扣除手续费后，向投保人退还保险费，但是自合同成立之日起逾二年的除外。

属类：法学专业-中国法律-保险法

Article 54 An applicant shall not apply for and the insurer shall not underwrite an insurance of persons that stipulates death as a prerequisite for the payment of the insurance benefits on a person without civil legal capacity.

第五十四条 　投保人不得为无民事行为能力人投保以死亡为给付保险金条件的人身保险，保险人也不得承保。

属类：法学专业-中国法律-保险法

Article 50 If the insured of a liability insurance contract is brought to an arbitration or legal proceeding due to the occurrence of an insured event which caused loss or damage to a third party, unless specified otherwise in the insurance contract, the insurer shall bear the expenses of such arbitration or legal proceeding and other necessary and reasonable expenses paid by the insured.

第五十条 　责任保险的被保险人因给第三者造成损害的保险事故而被提起仲裁或者诉讼的，除合同另有约定外，由被保险人支付的仲裁或者诉讼费用以及其他必要的、合理的费用，由保险人承担。

属类：法学专业-中国法律-保险法

For those projects that drew all investment from abroad, every insurer could provide coverage in the form of a master policy

对于全部投资取自国外的项目，每个保险公司均可以统括保单的形式提供保险。

属类：综合句库--

In accordance with the terms of the contract, the insurer may inspect the subject matter of the insurance concerning its safety conditions and, within a reasonable time, propose reasonable written suggestions to the applicant or the insured to eliminate risks and latent problems undermining the safety of the subject matter of the insurance.

根据合同的约定，保险人可以对保险标的的安全状况进行检查，及时向投保人、被保险人提出消除不安全因素和隐患的书面建议。

属类：法学专业-中国法律-保险法

sharing of the cost of damage or loss of a ship between the insurer and the owner

海损，保险人和所有人分担船的损害费用或船的损失

属类：综合句库--

An insurance contract may take any written form other than as prescribed above, upon the mutual agreement of the applicant and the insurer .

经投保人和保险人协商同意，也可以采取前款规定以外的其他书面协议形式订立保险合同。

属类：法学专业-中国法律-保险法

A clause in an insurance policy that exempts the insurer from paying an initial specified amount in the event that the insured sustains a loss.

扣除条款保险单内的条款之一，免除保险人对被保险户承受的损失赔偿最初的规定的金额

属类：综合句库--

Coinsurance: Insurance where a number of insurers share the risk or where insured and insurer share the risk.

联合(共同)保险:由若干承保人分担风险，或受保险人和承保人分担风险的保险方式。

属类：经济金融-世界银行术语-

The seller must obtain at his own expense cargo insurance as agreed in the contract, such as the buyer, or any other person having an insurable interest in the goods, shall be entitled to claim directly from the insurer and provide the buyer with the insurance policy or other evidence of insurance cover.

卖方必须按照合同规定，自付费用取得货物保险，并向买方提供保险单或其他保险证据，以使买方或任何其他对货物具有保险利益的人有权直接向保险人索赔。

属类：商务文书-国际贸易-贸易术语

In the event of the occurrence of the insured event referred to in the preceding paragraph, the insurer may, at the time of making indemnity, deduct therefrom a corresponding amount which the insured has received as indemnity from the third party.

前款规定的保险事故发生后，被保险人已经从第三者取得损害赔偿的，保险人赔偿保险金时，可以相应扣减被保险人从第三者已取得的赔偿金额。

属类：法学专业-中国法律-保险法

No entity or individual shall illegally interfere with the insurer ’s obligation for indemnity or payment of the insurance benefits, or hinder the right of the insured or the beneficiary to receive the payment.

任何单位或者个人都不得非法干预保险人履行赔偿或者给付保险金的义务，也不得限制被保险人或者受益人取得保险金的权利。

属类：法学专业-中国法律-保险法

Should any loss or damage occur, Party A shall lodge claims against the insurer and pay a part of the indemnification received from the insurer to Party B

如果发生损失或损坏,由甲方向保险人提出索赔,并将从保险人处获得的赔偿的一部分付给乙方

属类：商务文书-合同-补偿贸易合同

The Insurer may make compensation in advance according to the provisions of the contract if the Insured claims against him, in such case, however, the Insured shall subrogate to the Insurer the right of recovery against the third party and assist the latter in pursuing such recovery.

如果投保方向保险方提出赔偿要求时， 保险方可以按照保险合同规定，先予赔偿，但投保方必须将向第三者追偿的权利转让给保险方，并协助保险方向第三者追偿。

属类：法学专业-中国法律-财产保险合同条例

When the investment income that an insurer earns from holding on to policyholders’ funds ("the float")is taken into account

若考量保险公司利用保费收入(浮存金)所赚取的投资收益列入计算

属类：商务文书-经济文书-巴菲特致股东

While the language on both sides this week has the ring of a showdown,the sense of drama is dampened by the"orderly withdrawal"required by law for any insurer wishing to leave the state.

虽然本周双方的言词都意味着可能摊牌，但是按照法律，任何保险公司打算离开该州，必须“有条不紊地撤离”(遵守有关法令)，紧张气氛因而降低。

属类：综合句库--

His insurer has admitted liability but the amount of damages has not yet been agreed.

他的保险公司承认有赔偿责任，但对损害陪偿金的数额还未达成协议。

属类：综合句库--

He submitted a claim to the insurer .

他向保险公司提出索赔。

属类：综合句库--

A master policy could only be issued by the business department of an insurer ’s head office or that of its authorized province-level branch offices

统括保单只能由保险公司总公司或其授权的省级分公司的业务部门出具。

属类：综合句库--

If the applicant, the insured or the beneficiary intentionally causes the occurrence of an insured event, except as under the first paragraph of Article 64 of this Law, the insurer may terminate the insurance contract, bear no obligation for indemnity or payment of the insurance benefits and decline to return the premiums paid.

投保人、被保险人或者受益人故意制造保险事故的，保险人有权解除保险合同，不承担赔偿或者给付保险金的责任，除本法第六十四条第一款另有规定外，也不退还保险费。

属类：法学专业-中国法律-保险法

The applicant, the insured or the beneficiary shall refund or indemnify the insurer for any payments or expenses which were made or incurred by the insurer due to the commission of any act stipulated in the foregoing three paragraphs of this Article by the applicant, the insured or the beneficiary.

投保人、被保险人或者受益人有前三款所列行为之一，致使保险人支付保险金或者支出费用的，应当退回或者赔偿。

属类：法学专业-中国法律-保险法

In the event that the applicant or the insured fails to fulfill his/her contractual obligation to ensure the safety of the subject matter of the insurance, the insurer has the right to request an increase of the premium or to terminate the contract.

投保人、被保险人未按照约定履行其对保险标的安全应尽的责任的，保险人有权要求增加保险费或者解除合同。

属类：法学专业-中国法律-保险法

If any applicant intentionally fails to perform his/her obligation of making a full and accurate disclosure, the insurer shall bear no obligation for making any indemnity or payment of the insurance benefits, or for returning the premiums paid for the occurrence of the insured event which occurred prior to the termination of the contract.

投保人故意不履行如实告知义务的，保险人对于保险合同解除前发生的保险事故，不承担赔偿或者给付保险金的责任，并不退还保险费。

属类：法学专业-中国法律-保险法

The insurer shall have the right to terminate the insurance contract, in the case that the applicant intentionally conceals facts, or does not perform his/her obligation of making a full and accurate disclosure, or negligently fails to perform such obligation to the extent that it would materially affect the insurer’s decision whether or not to underwrite the insurance or whether or not to increase the premium rate.

投保人故意隐瞒事实，不履行如实告知义务的，或者因过失未履行如实告知义务，足以影响保险人决定是否同意承保或者提高保险费率的，保险人有权解除保险合同。

属类：法学专业-中国法律-保险法

In the event that the applicant has misstated the age of the insured, thus overpaying the premiums, then the insurer shall return the overpaid portion to the applicant.

投保人申报的被保险人年龄不真实，致使投保人实付保险费多于应付保险费的，保险人应当将多收的保险费退还投保人。

属类：法学专业-中国法律-保险法

In the event that the applicant has misstated the age of the insured, thus underpaying the premiums, then the insurer shall have the right to correct the misstatement and request the applicant to pay the balance, or to reduce the payment of the insurance benefits in proportion to the amount of premiums actually paid to the amount that should have been paid.

投保人申报的被保险人年龄不真实，致使投保人支付的保险费少于应付保险费的，保险人有权更正并要求投保人补交保险费，或者在给付保险金时按照实付保险费与应付保险费的比例支付。

属类：法学专业-中国法律-保险法

An applicant refers to the party who enters into an insurance contract with an insurer and is obligated to pay the premiums under the insurance contract.

投保人是指与保险人订立保险合同，并按照保险合同负有支付保险费义务的人。

属类：法学专业-中国法律-保险法

If an applicant negligently fails to perform his/her obligation of making a full and accurate disclosure and this materially affects the occurrence of an insured event before the termination of the contract, the insurer shall bear no obligation for making any indemnity or payment of the insurance benefits but may return the premiums paid.

投保人因过失未履行如实告知义务，对保险事故的发生有严重影响的，保险人对于保险合同解除前发生的保险事故，不承担赔偿或者给付保险金的责任，但可以退还保险费。

属类：法学专业-中国法律-保险法

The unpredictability of our legal system makes it impossible for even the most conscientious insurer to come close to judging the eventual cost of long-tail claims.

我们诡谲多变的司法制度，使得就算是最有良知的保险公司都无法准确预测这类长期保险的最终成本。

属类：商务文书-经济文书-巴菲特致股东