dividend illustration红利说明表incapacity失能insolvent偿付能力不足life insurance人身保险market imperfections市场缺陷Investment Company Act《投资公司法案》current assumption whole life insurance , CAWL当期假定终身寿险interest—sensitive whole life利率敏感型产品insurance保险limited—payment whole life insurance限期缴费终身寿险insurer保险人flexible—premium life insurance可变保费寿险current assumption insurance当期假设保险insured被保险人ceding insurer分出保险人primary insurer原保险人ordinary life insurance普通寿险whole life insurance终身寿险credit insurance信用人寿保险long—term care insurance长期护理保险medical expense insurance医疗费用保险personal insurance人身保险group insurance团险industrial insurance简易险variable life insurance变额寿险graded premium whole life insurance , GPWL递增保费终身寿险current assumption whole life insurance当期假定终身寿险unit—linked life insurance投资连结寿险disability income insurance伤残收入保险contractual saving institutions合同储蓄机构term insurance定期寿险John Hancock Mutual Life Insurance恒康保险公司juvenile endowment policies末成年人的生死两全保险delegated monitoring委托预警Insurance Regulatory Information System , IRIS保险监管信息系统Financial Analysis Tracking System财务分析跟踪系统fixed minimum capital requirement固定最低成本要求risk—based capital风险资本要求