redetermination provision新定价条款loss reserve准备金unearned premium reserve挣保费准备金policy reserves保单准备金reinsurance再保险reciprocal互惠制保险catastrophe reinsurance巨灾再保险Variable life Insurance Model Regulation变额寿险样本监管条例policy reserves保单准备金premium deposit rider保费储蓄附加条款cost—of –living—adjustment rider生活费用调整附加条款systemic risk系统性风险investment risk投机风险riba prohibition利息禁令underwriting risk承保风险net rates净费率facultative reinsurance容许再保险gross rate毛费率sample mean本均值economics of scale规模经济minimum efficient scale最低效率规模constant returns to scale规模报酬不变Securities Exchange Act《证券交易法案》single—premium whole life趸缴保费终身寿险skewness偏度stock insurer股份制保险公司The English Friendly Societies英国友情社straight life直付寿险surrender charge退保费用debit marketing system负债销售方式