law of large number大数法则Lloyd’s of London伦敦劳合社average loss平均损失expected loss期望损失deadweight loss无谓损失loadings附加费率life—paid—up—at –age –65 whole life, LP6565岁限缴终身寿险20—payment whole life20年缴费终身寿险general insurance一般保险mutual insurer互保险公司natural monopoly自然垄断non-life insurance非人身保险property/casualty insurance财产与责任保险Metropolitan Life Insurance Company大都会人寿保险公司Meiji Life Assurance company明治人寿股份保险公司name承保记名人National Association of Insurance Commissioners , NAIC全国保险监督官委员会net amount at risk风险净额Nippon Life Assurance Company日本生命保险公司the Insurance Company of North American北美保险公司ordinary insurance普通险original-age method始年龄转换rate-making organizations费率制订机构Odd Fellow共济会ordinary life policy普通寿险保单