claims personnel理赔人员insurance penetration险深度without profits polices无利保单family income policy家庭收入保险scheduled premium policies表定保费型保单premium保险费paid-up policy缴清保单Provident Mutual Insurance Company普洛维登相互保险公司experience participation实际分红nonparticipating insurance policy非分红保单enhanced ordinary life policy优化型普通寿险policyowner保单所有人attachment point阀值、附保点retirement income policy退休收入保险semi—endowment policy半生死两全保险modified endowment policy修正的生命两全保险insurance policy保单level face amount policies水平保额保单participating insurance policies分红保单with profits policies附利保单single—premium endowment policies趸缴生死两全保险perils风险事故asymmetric information problems非对称信息问题adverse selection problem逆选择问题moral hazard problem道德风险问题principal委托人principal-agent problem委托代理问题mortality prefunding死亡费用预积累mathematical reserves精算准备金insurance agent保险代理人captive , exclusive , ortied agents专属代理人