Total wealth is composed of both human capital and financial capital. Human capital is the discounted present value of expected future labor income.
总财富由人力资本和金融资本共同构成。人力资本是预期未来劳动收入的贴现现值。
Net wealth is the sum of the individual’s financial capital and Human capital less any liabilities owed by the individual.
净财富是个人的金融资本和人力资本减去个人负债的总和。
The economic (holistic) balancesheet extends the traditional balance sheet assets to include Human capital. Liabilities are extended to include consumption and bequest goals.
经济(整体)资产负债表扩展了传统的资产负债表资产，包括人力资本。负债扩展到包括消费和遗赠目标。
Premature death risk can be a serious risk early in the career when substantial Human capital could be lost and cause unexpected expenses that consume limited financial capital.
过早死亡风险在职业生涯早期可能是一种严重的风险，因为大量人力资本可能会损失，并导致意外支出，消耗有限的金融资本。
如何为家庭配置保险？
Life insurance protects the survivors from the adverse financial consequences of the insured’s premature death.
人寿保险保护生还者免受被保险人过早死亡的不利经济后果。
Temporary life insurance is for a set period of time. Permanent life insurance builds up value sufficient to pay for insuring the remaining lifetime of the insured.
定期人寿保险的固定期限的。终身保险建立足够的价值支付保障被保险人余生。
Pricing reflects mortality estimates that determine how many in the group are expected to die during the insurance period and allow calculating the net premium to charge to make those payouts.
定价反映了死亡率估计，这些估计确定了保险期间预计会有多少人死亡，并允许计算支付这些支出所收取的净保费。
insurer：承保人 ； 保险公司；
Policy-holder 投保人
The insured ：被保险人 insurant ：被保险人；投保人
转播
