that the insurance company--

当然还存在其它问题
how does the insurance company reasonably specify

保险公司怎样才能使一份保单上
that it can come through on this policy?

载明的内容合理而有效被执行呢
You have to have the insurance company set up with a structure itself

你得保证保险公司的设立是基于以下前提
that guarantees that they have enough reserves

即它能保证拥有足够的储存资金
to meet the losses that they might incur.

以便用来拟补有可能发生的损失
That requires a theory of capital

这需要借助于资本理论
and they're going to have to invest

并且还要将储备资金
the reserves in financial assets.

投资于金融资产
Then you have to ask,

之后你还得追问
well how are the financial assets

这些金融资产的
going to behave over time?

未来表现如何