underwriter

简明释义

英[ˈʌndəraɪtə(r)]美[ˈʌndəraɪtər]

n. 承保人，保险商（尤指船只）；核保人（对投保项目进行风险评估并决定保险费率）

复 数 u n d e r w r i t e r s

英英释义

单词用法

同义词

反义词

例句

1.Our underwriter has surveyors and agents in practically all the big cities in the world to handle claims.

我们的保险商在几乎所有的大城市都有调查和代理为您处理申请。

2.To illustrATe, assume thAT on January 1, 1995, Solarwind Company sells $10 of 9%, 40-year bonds to an underwriter AT a price of 98.

举例，假设1995年1月1日，太阳风公司按98%的价格把价值10美元，年息9%，40年期的债券卖给证券包销商。

3.The seller is. obligated to exercis. ordinary care and diligence in selecting an underwriter that is. in good financial standing.

卖方有责任关心并谨慎地选择一家资信较佳的保险公司。

4.Manual business requirements: Evaluating indemnity risk for a life insurance company might be subjective based on the experience of the underwriter.

手工办公的需求：对于一家人寿保险公司来说，评估赔偿风险可能完全基于保险商的主观经验。

5.A company's underwriter will prepare and file these documents with the help of accountants and lawyers.

一家公司包销，并准备将这些档案文件，会计师和律师的帮助。

6.The underwriter holds agency relationship of commission and authority with the agent.

保险人与保险代理人之间的关系是委托授权性质的代理关系。

7.If it was found wanting, either Goldman (as underwriter) would have had to buy the stock back at par, or Facebook would have had to go public.

如果存在缺陷，那么要么高盛(作为承销商)按照票面价值回购股票，要么Facebook不得不公开上市。

8.The underwriter plays a crucial role in determining the premium rates for insurance policies.

在确定保险政策的保费率方面，承保人发挥着至关重要的作用。

9.The real estate underwriter assessed the property value before finalizing the mortgage.

房地产承保人在最终确定抵押贷款之前评估了房产价值。

10.During the IPO process, the underwriter helped set the initial stock price.

在首次公开募股过程中，承保人帮助设定了初始股票价格。

11.Before approving the loan, the bank's underwriter evaluated the applicant's credit history.

在批准贷款之前，银行的承保人评估了申请人的信用历史。

12.The insurance company hired an underwriter to assess the risk of the new policy.

保险公司聘请了一位承保人来评估新政策的风险。

作文

In the world of finance and insurance, the term underwriter refers to a professional or entity that evaluates and assumes the risk of insuring clients. The role of an underwriter is crucial as they determine whether a particular insurance policy should be issued and at what premium rate. This process involves analyzing various factors, including the applicant's health, lifestyle, and the potential risks associated with the insured item. For instance, in health insurance, an underwriter might review medical records to assess an individual's health risks before providing coverage.The underwriting process is not limited to health insurance; it extends to life, property, and casualty insurance as well. Each type of insurance has its own set of criteria that an underwriter must consider. In property insurance, for example, an underwriter evaluates the location, condition, and value of a property to determine the likelihood of claims being made in the future. The decisions made by the underwriter can significantly impact both the insurer and the insured, making their role one of great responsibility.Moreover, the work of an underwriter is not just about assessing risks but also about ensuring that the insurance company remains profitable. By accurately evaluating risks, underwriters help set premiums that reflect the true cost of potential claims. If an underwriter underestimates the risks, the insurance company may face significant financial losses. Conversely, if they overestimate risks, they may lose potential clients due to high premiums.In recent years, the role of underwriters has evolved with advancements in technology. Many companies now utilize sophisticated algorithms and data analytics to assist underwriters in their decision-making processes. These tools can analyze vast amounts of data quickly, allowing underwriters to make more informed decisions. However, despite these technological advancements, the human element remains vital. An experienced underwriter can often identify nuances and subtleties that algorithms may overlook.The job of an underwriter requires a unique blend of analytical skills, attention to detail, and interpersonal communication. They must be able to explain complex insurance concepts to clients and work collaboratively with agents and brokers. Additionally, underwriters must stay updated on industry trends, regulations, and changes in the law that could affect their assessments. Continuous education and training are essential for underwriters to maintain their effectiveness in a rapidly changing environment.In conclusion, the role of an underwriter is integral to the insurance industry. They serve as the gatekeepers who decide which risks are acceptable and at what cost. Through their expertise, underwriters help ensure that insurance companies remain solvent while providing necessary coverage to individuals and businesses. Understanding the responsibilities and challenges faced by underwriters can lead to a greater appreciation of the complexities involved in the insurance process. As the industry continues to evolve, the importance of skilled underwriters will undoubtedly remain significant, highlighting the need for ongoing education and adaptation in this vital profession.

在金融和保险领域，术语underwriter指的是评估并承担保险客户风险的专业人士或实体。underwriter的角色至关重要，因为他们决定是否应该签发特定的保险单以及以何种保费率进行签发。这个过程涉及分析各种因素，包括申请人的健康状况、生活方式以及与被保险物品相关的潜在风险。例如，在健康保险中，underwriter可能会审查医疗记录，以评估个人的健康风险，然后再提供保险。承保过程不仅限于健康保险；它还扩展到人寿、财产和意外险等保险类型。每种类型的保险都有其自身的标准，underwriter必须考虑这些标准。在财产保险中，例如，underwriter评估财产的位置、状况和价值，以确定未来索赔的可能性。underwriter所做的决定对保险公司和被保险人都有重大影响，使他们的角色承担着巨大的责任。此外，underwriter的工作不仅仅是评估风险，还在于确保保险公司保持盈利。通过准确评估风险，underwriter帮助设定反映潜在索赔真实成本的保费。如果underwriter低估了风险，保险公司可能面临重大财务损失。相反，如果他们高估了风险，由于保费过高，他们可能会失去潜在客户。近年来，随着技术的进步，underwriter的角色发生了变化。许多公司现在利用复杂的算法和数据分析来协助underwriter做出决策。这些工具能够迅速分析大量数据，使underwriter能够做出更明智的决定。然而，尽管有这些技术进步，人为因素仍然至关重要。经验丰富的underwriter通常能够识别算法可能忽视的细微差别。underwriter的工作需要独特的分析技能、对细节的关注和人际沟通能力。他们必须能够向客户解释复杂的保险概念，并与代理人和经纪人合作。此外，underwriter必须随时了解行业趋势、法规及可能影响其评估的法律变更。持续的教育和培训对于underwriter在快速变化的环境中保持有效性至关重要。总之，underwriter的角色对于保险行业至关重要。他们作为守门人，决定哪些风险是可以接受的，费用是多少。通过他们的专业知识，underwriter帮助确保保险公司保持偿付能力，同时为个人和企业提供必要的保障。理解underwriter所面临的责任和挑战，可以更好地欣赏保险过程中的复杂性。随着行业的不断发展，熟练的underwriter的重要性无疑将继续显著，突显了在这一重要职业中持续教育和适应的必要性。