1.2.3 Система страхования в России

11. Прочитайте следующий текст и переведите его на русский язык.

I Simultaneously – одновременно In the modern sense – в современном смысле слова nsurance

Insurance is a form of risk management that appeared simultaneously with the appearance of human society. Turning to insurance in the modern sense (i.e., insurance in a modern money economy, in which insurance is part of the financial sphere), early methods of transferring or distributing risk were practiced by Chinese and Babylonian traders as long ago as the 3rd and 2nd millennia BC, respectively.

Some forms of insurance had developed in London by the early decades of the 17th century. Insurance as we know it today can be traced to the Great Fire of London, which in 1666 devoured more than 13,000 houses. The devastating effects o

i.e – то есть (that is)

as long ago as – уже

BC – до н.э.

the early decades – первые десятилетия

can be traced – можно проследить

the Great Fire – великий пожар

devour – поглощать

devastating – разрушающий

climb – подниматься

sufficiently - достаточно

to withstand - чтобы противостоять

most - большинство

restore – восстановить

Advanced - развитый

the bulk of - большая часть

in contrast to – по сравнению с

alone – один, одна, одни

much higher than – намного выше, чем

Emerging – возникающие

Around – около

at a quicker pace – более быстрым темпом

f the fire led to the development of insurance. The first insurance company in the United States was formed in South Carolina, in 1732 with the help of Benjamin Franklin.

At present global insurance premiums grew by 2.7% in 2010 to $4.3 trillion, climbing above pre-crisis levels. Life insurance premiums increased by 3.2% in 2010 and non-life premiums by 2.1%. The global insurance industry was sufficiently capitalized to withstand the financial crisis of 2008 and 2009 and most insurance companies restored their capital to pre-crisis levels by the end of 2010. Advanced economies account for the bulk of global insurance. Premium income of Europe was $1,620bn in 2010, then North America $1,409bn and Asia $1,161bn. Europe has however seen a decline in premium income during the year in contrast to the growth in North America and Asia. The US and Japan alone accounted for 40% of world insurance, much higher than their 7% share of the global population. Emerging economies accounted for over 85% of the world’s population but only around 15% of premiums. Their markets are however growing at a quicker pace.

11.а. Вставьте в предложение пропущенное слово: Insurance, the financial crisis, insurance company, in the modern sense, a decline, transferring or distributing, development, insurance premiums, to pre-crisis levels, account for.

1. Chinese and Babylonian traders practiced methods of________________ risk.

2. Benjamin Franklin helped to found the first _____________in the United States.

3. The global insurance industry could withstand ________________of 2008 and 2009.

4.________________________ is a form of risk management.

5. Our insurance company saw ____________in p

in the event of - в случае

a traffic collision – ДТП

cover - покрывать

Damage – ущерб

Theft – кража

bodily injury – телесные повреждения

cost of treating – стоимость лечения

funeral – похороны

exclude - исключать

flood or earthquake – наводнения и землетрясения

benefits package – пакет льгот, выплат

along with – вместе с

support - поддержка

becoming unable to work – потеря трудоспособности

monetary - денежный

because of – из-за

decedent – потомок, наследник

designated beneficiary- определенное лицо

Burial – захоронение

Various – различный

caused by - вызванный

hail, drought, frost –

град, засуха, мороз

remium income last year.

6. At present global ______________ climbed above pre-crisis levels.

7. Insurance ____________ is part of the financial sphere.

8. How much percent of world insurance did our country __________?

9. We hope our insurance company will restore its capital ____________________by the end of year.

10. The _________of insurance can be traced to the Great Fire of London in 1666.