54 mins confidence: может быть, поможет
Explanation: nonforfeiture option — выбор мер по сохранению в силе договора страхования при досрочном прекращении уплаты взносов или их снижении nonforfeiture factors: Special values, similar to annual premiums, that some insurers use to calculate their policies’ cash values. Each insurer calculates its own nonforfeiture factor. In the United States, the nonforfeiture factor can never be greater than the adjusted premiums required by the Standard Nonforfeiture Law. nonforfeiture options: The various ways in which a policyowner may apply the cash value of a life insurance policy if the policy lapses. See also automatic nonforfeiture option, automatic premium loan (APL), cash surrender value option, extended term insurance option, and reduced paid-up insurance option. nonforfeiture values: The benefits, as printed in a life insurance policy, that the insurer guarantees to the policyowner if the policyowner stops paying premiums. These amounts may be used in a variety of nonforfeiture options. Желаю удачи, Юля
-------------------------------------------------- Note added at 2002-01-31 08:50:17 (GMT) --------------------------------------------------
на googl\'e есть несколько ссылок на nonforfeiture insurance, но всегда в сочетании с benefits, policy или options
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| Julia Berman Israel Local time: 07:47 Native speaker of: Russian
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59 mins confidence: см. ниже
Explanation: Не знаю, есть ли стандартный термин в российском страховании. Значит же non-forfeiture, что в случае неуплаты взносов за страховщиком сохраняется право на возмещение или перезачет некоторой части стоимости полиса (по-моему, что чаще всего подобные условия относятся к полисам страхования жизни).
-------------------------------------------------- Note added at 2002-01-31 08:29:35 (GMT) --------------------------------------------------
за СТРАХОВАТЕЛЕМ, а не за страховщиком (вечно я их путаю)
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2 hrs confidence: peer agreement (net): +3 Страховка с неснижаемым минимумом услуг/гарантированная страховка
Explanation: That was quite a task, I must say. I had to contact several friends in the insurance business to come to this result. Here is how it works: In the insurance business, there are situations when a person can't or wouldn't continue paying insurance premiums. Naturally, in this case the insurer would not be willing to provide the services. However, the nonforfeiture clause (obligatory in the US, for example) states that the policyowner has the right to somehow use the portion he/she has already paid - that is, to receive a proportion of services, to get back the cash value of insurance and so on. In the Russian insurance practice this term is not used, because the Civil Code explicitly states that an insurance police becomes effective upon receiving the first payment. In the case a scheduled payment is not received by the insurer, the latter has the right to subtract the sum of such payment from the coverage. Therefore, all insurance policies in Russia are nonforfeiture. I understand that the Asker still needs to translate this term, so my suggestions would be "страховка с неснижаемым минимумом услуг" or "гарантированная страховка". Good luck!
-------------------------------------------------- Note added at 2002-01-31 09:02:48 (GMT) --------------------------------------------------
Sorry, I meant policy, not police :)
-------------------------------------------------- Note added at 2002-01-31 11:13:46 (GMT) --------------------------------------------------
My friend from the insurance company has finally dug up this term in one of his reference books. The OFFICIAL Russian equivalent is \"страховка без права отказа от ответственности!\"
| Data (X) PRO pts in category: 12
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| | Grading comment Who would have thought it? Thank you very much for all the research. |
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