death benefit 死亡恤金
For example, if 10, 000 policy-owners in the pool pay USD
1,000 each in annual premiums, the pool would amass USD 10,
000, 000 each year to cover claims resulting from losses.
Should 500 members of the pool have losses during the year of
USD 10, 000 each, the pool would be able to reimburse the
members for their losses and still accumulate a large amount
of funds for later claims.
amass vt. To gather together for oneself, as for one’s
pleasure or profit; accumulate:积聚，积累：为某人自己积聚，如为其乐趣或利益；积累
to cover claims
cover vt. To be sufficient to defray, meet, or offset the cost
or charge of:足以支付，足以补偿：足够支付、偿付或抵消…的花费和价钱
例：had enough funds to cover her check.
有足够的资金支付她的帐单
claim n. A demand for payment in accordance with an insurance
policy or other formal arrangement.索赔：遵照保险单或其它正规约定的赔偿要求
reimburse vt. To pay back or compensate (another party) for
money spent or losses incurred.偿还：因花了钱或发生了亏损向另一团体还钱或赔偿
In this particular case, new members would be brought into the
pool and the remaining members would pay their next annual
premiums to replenish the pool of funds.
replenish vt. To fill or make complete again; add a new stock
or supply to:补充：把…再装满或再备足；给…新添备料或供给
The law of large numbers basically relies on the principle
that the larger the pool, the more predictable the amount of
losses will be in a given period.
（the principle）that the larger the pool, the more predictable
the amount of losses will
be…是由that引导的同位语从句，对前面的名词principle作进一步的解释。
the larger …, the more predictable …（“越…，越…”句型）
Since not all members of the pool are the same age or in the
same health condition, we can assume not all of them will be
making a claim at the same time.
In fact, by recording and studying the number of claims over a
very large population, the number of 62 years old men, for
example, who will die in a particular year can be fairly
predicted.
(62 years old men,) who will die in a particular
year此句为非限制性定语从句，对前面的先行词62 years old men作补充说明。
This is not to say the year a particular person will die can
be predicted. It only says that in a given year there is a
high probability that X number of men who are 62 will die at
that age.
(probability) that X number of men who
are…是由that引导的同位语从句，对前面的名词probability作进一步解释。
probability n. The likelihood that a given event will
occur:可能性：某事发生的可能性
例：a great probability of rain this evening.
今晚很可能下雨
Accordingly, with enough data, a statistician can comfortably
predict the number of persons of a given age who will conceive
a serious illness in a given year. With enough data, the
statistician can assemble all of this information into tables.
For deaths, the tables are called mortality tables and for
sicknesses they are called morbidity tables.
conceive vt. To form or develop in the mind;
devise:构思：在脑海中设计或构思；设计
例：conceive a plan to increase profits.
构想出一个增加利润的计划
assemble vt. To bring or call together into a group or
whole:召集：集合或召集到一起成为一组或整体
mortality tables死亡率表
morbidity tables发病率表
All insurance is based on these two principles. A teenager
commands a higher auto insurance rate because the statistical
history has shown they have more accidents and the accidents
are more serious than for a 40-year-old driver.
To deserve and receive as due; exact:应得，值得：适当地应受和接收；强求
Again, this is not to say there will not be instances of a
40-year-old marathon runner dying from heart problems or other
causes but, statistically, those incidences will be less for
the marathon runner than for the heart patient who smokes.
marathon runner马拉松长跑运动员
(责任编辑：郭英杰)
