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expense profits

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11:10 Jan 7, 2012

This question was closed without grading. Reason: No acceptable answer

English to Polish translations [PRO]
Bus/Financial - Insurance

English term or phrase: expense profits

Partially offsetting these positive rating factors are deterioration of expense profits and declining inforce business in Japan.
(...)
Although Meiji Yasuda's expense profits are expected to show a downward trend in coming years, the improving lapse and surrender rate by the innovation on the sales representative channel and increasing profit contribution from bancassurance sales may lead to better profitability in the future.

Katarzyna Landsberg-Polubok KudoZ activity Questions: 1448 (2 open) (23 without valid answers) (74 closed without grading) Answers: 465
Local time: 19:12

Summary of answers provided
4	zyski z ryzyka kosztowego	Polangmar
3	dywidendy	Marta Williams

Discussion entries: 3

Answers

5 hrs confidence:

dywidendy

Explanation:
W ubezpieczeniach funkcjonuje termin "expense profit", a Meiji Yasuda to firma ubezpieczeniowa:

Theoretically the premium can be divided into three different components:
- The "expense premium" is the portion, which is withdrawn by the insurance company to cover expenses. A possibly unused remainder is usually credited to the policyholders as expense profit
http://tinyurl.com/6ovhadj

...policyholders are entitled to share in the profits of the business, including underwriting and expense profits
http://tinyurl.com/7xgo5hj

Po polsku to wg mnie będzie po prostu dywidenda, chyba nie funkcjonują terminy dokładnie określające z której to kieszeni idzie:

Czasami niektórzy sadzą, że ubezpieczenia na życie oferowane przez Rycerzy Kolumba skutkują wypłatą tylko w przypadku śmierci. W rzeczy samej, osoby przez nas ubezpieczone uzyskują bardzo istotne przychody z polis w trakcie ich życia. Nasze ubezpieczenia wypłacają dywidendy należące do najwyższych w branży ubezpieczeniowej. W 2010 roku wypłaty z tytułu śmierci wyniosły $253 miliony, natomiast wysokość dywidend wypłaconych naszym ubezpieczonym członkom, którzy żyją wyniosła ponad $338 miliony.
http://www.kofc.org/un/pl/conv/2011/skreport/insurance.html

Marta Williams
United Kingdom
Local time: 18:12
Native speaker of:

Polish
PRO pts in category: 12

5 hrs confidence:

zyski z ryzyka kosztowego

Explanation:
Two kinds of profits can be identified: mortality profits are
profits generated by mortality risk taking and expense profits are profits
generated by expenses risk taking.
http://tinyurl.com/6cswwsx

These expense profits are at least partially required to pay for expenses during the premium-free term...
http://tinyurl.com/7d3qy6w

Podobnie ryzyko kosztowe (tzn. ryzyko niespodziewanego wzrostu kosztów administracyjnych związanych z obsługą umowy w odróżnieniu od...
http://tinyurl.com/7qtpv2w

--------------------------------------------------
Note added at 1 day10 hrs (2012-01-08 21:32:01 GMT)
--------------------------------------------------

zyski z ryzyka kosztowego = zyski wynikające/pochodzące z braku/niepełnej realizacji ryzyka kosztowego
http://tinyurl.com/7q5cbjk

Zaproponowałem skrót myślowy, bo angielski termin też jest zwięzły.

Polangmar
Poland
Local time: 19:12
Works in field
Native speaker of:

Polish
PRO pts in category: 463

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Changes made by editors

Jan 7 - Changes made by Tomasz Poplawski:
Field (specific)	Accounting => Insurance

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