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"Some people believe that any characteristic over which we have no control, such as gender, race, and age, should be excluded from insurance underwriting and rating practices" (Baranoff, Brockett, & Kahane, 2009, p.157). This argument reflect the idea that the factors used by insurance companies should be based on the behavior of the people instead of the quality on which they are born.

 

Risk Classification 风险分类

 

Risk classification plays an important role in the pricing of the policy. The premium that the customer pays will depend on the category he/she belongs to. Underwriters classify the applicants into four types of risk groups: standard risk, substandard risk, preferred risk and uninsurable/declined risk.

 

Standard risk. Individuals who have a likelihood of loss or the probability of filing a claim that is not significantly greater than the average are classified as standard risks. Based on the underwriting standards of the insurance company, the people in this group are given a term of insurance without being charged for any extra fees or be subjected to any policy restrictions and they are charged with the standard premium rate (Clark, et al, 2011). Most individual life and health insurance policies are issued at standard premium rates.

 

Substandard risk. Insured that are classified as substandard risk or rated risk, are those that have a greater chance of filing a claim. Applicants are classified in this group because of their health and/or other factors that makes them more likely to die earlier than those who don't possess these kinds of risk factors (Clark, et al, 2011). They are usually charged a higher than standard rate because of the added risks that they possess. Examples of people that may be in this category are those who possess a history of high blood pressure, diabetes, drugs and alcohol. Or maybe they engage in some dangerous activities like skydiving or rock climbing.

 

Preferred risk. Applicants classified as preferred risks are those who are expected to have an above average life expectancy (Clark, et al, 2011). People in this group are preferred by the insurance companies because of their health history and good habits. They are usually offered a lower rate or preferred rate. Applicants that may belong to this group are nonsmokers or people that have a good health history.

 

Uninsurable risk. Individuals categorized as uninsurable or declined risk are those that pose a risk that is too great for the insurance company to cover. The applicants' conditions are so rare or unique that the company may not be able to arrive at a suitable premium (Clark, et al, 2011), so their policies are generally declined. Examples of this category include people who have a serious illness and people who conduct illegal activities.


 Assignment是英国、加拿大、美国、澳洲导师常常让学生完成各种各样的作业类型。以写出高分的assignment需要具备具体专业知识与强烈写作能力,所以为了成功地完成任何assignment一般需要很多时间,更不用说国外教育制度具有许多不同的assignment类型。而我们的专家极善于代写作业的方面,所以他们可帮中国留学生代写不同截止时间与难度的assignments。


通过这些 assignments老师都想检查学生对本课的能力、吸收的知识。当上课时学生无法理解老师解释的资料时,那样在未来他可惜做不了本课程的作业。无论您读什么专业,大量作业,紧切的deadlines及严格的要求 - 这些因素都对您成绩与学历的影响非常大!


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我们的assignment通常分为两种形式,一是essay, 一是report.二者在形式上有所差别,,但大体相同。一篇assignment上面会对写成essay还是report格式作出明确要求。在阅读题目时,请尽量仔细。


相同点:

1、 字体:Times New Roman, 字号:小四, 行距:1.5倍。请有写作之前就把这些格式调好,以避免写好后再调会出现一些意相不到的情况。

2、 段与段之间隔行。每段不要求像中文写作那样空两格,而是直接顶格写。

下面还有一些相同点,我在两种文体分开讨论时,再涉及。


Assignment结构格式


(1)字体一般可以采用Times New Roman或者Arial,字体大小一般是12,行距一般采用1.5倍行距。写完文章之后必须调整好格式,国外对论文格式是非常重视的。

 

(2)introduction和conclusion可以单独一页,也就是不连接body部分。


对于留学生来讲,写一篇Essay是非常简单的事情,但要写出一篇高分的Essay,却没那么容易。要想写好Essay,大家在写作之前就得花时间去选择话题,然后思考如何组织Essay的结构,下面Essayquality小编就给大家讲解一下。


1、Essay写作如何选择话题


让我们以Comparison Essay(比较类essay)为例,当我们拿到题目时,我们首先要思考的是,选择什么样的事物进行比较。


比较古典音乐和流行音乐可以吗?可以,但是这个题目值得写吗?可能不太值得。


因为,我们比较两种事物,是希望通过比较,对事物有全新的或更深刻的认识,这才是你写文章的目的。古典音乐和流行音乐显然是两种截然不同的音乐,你的比较如果没有提供一种全新的眼光,其实就没有什么意义。


那什么样的事物值得比较呢?看上去似乎存在相似点(不同点)的事物,但实际上可能并非是一般人理解的那样,通过你的阐述,可以揭示出不那么显著的差异,这样的比较才有意义。

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