on canceling, then they won't cancel.

会随保单的取消而消失他们就不会这么干了
Both of these were ideas that were copied all over the world--

以上两个点子后来在全世界被广泛使用
that's the way inventions are--

这就是创新
so a lot of insurance policies today have cash values.

所以现在的很多保单都是有现金价值的
The third thing I was going to report was that

我要讲的第三件事是
sociologist Viviana Zelizer wrote a book about life insurance

社会学家维维安娜·泽利泽写的一部关于
sales in the nineteenth century.

19世纪寿险销售情况的著作
She found that there was a lot of resistance

她发现19世纪的人们
to the purchase of life insurance in the nineteenth century.

对购买寿险有很强的抵触情绪
She tried to study it and tried to figure out

她试着研究这一现象
how it was that life insurance became more and more important

并试图揭示在当时寿险的重要性
over that century

是如何获得人们的认可的