yearly/annual renewable term年可续定期寿险mortality tables生命表morbidity tables健康表aggregate mortality table综合生命表five—year renewable term5年期可续保定期寿险selected mortality table选择生命表ultimate mortality table终极生命表deposit term储蓄型定期寿险term—to—age—65, or 7065岁（或70岁）到期定期寿险Teikoku Life Assurance Company帝国人寿保险公司life—expectancy term平均余命定期寿险mortgage protection term抵押贷款保证定期寿险保单reinsurance treaty再保险协议yearly renewable term , YRT年可续定期保险unlimited liability无限责任underwriting承保underwriting核保underwriter承保人underwriter核保人unpaid claim未决赔款cash surrender value退保现金价值human life value人类生命价值direct writer接出单人