| A | 你好，有没有适合年轻人的保险？最好是能保本分红的。 |
| nǐhǎo, yǒu méiyǒu shìhé niánqīngrén de bǎoxiǎn? zuìhǎo shì néng bǎoběn fēnhóng de. |
| Hello, do you have any insurance that would be appropriate for young people? It would be best if it let you break even, and paid dividends. |
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| B | 有啊，您坐下来慢慢看。我们最近推出了这款保险，非常适合年轻人。 |
| yǒu a, nín zuò xiàlái mànmān kàn. wǒmen zuìjìn tuīchū le zhè kuǎn bǎoxiǎn, fēicháng shìhé niánqīngrén. |
| Sure we do! Have a seat and look these over. Take your time. We recently introduced this plan. It's very good for young people. |
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| A | 快让我看看！ |
| kuài ràng wǒ kànkan! |
| Quick, let me see! |
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| B | 好、好。这个险种每个月缴纳的保费不多，还可以分红。这边有费率表。您今年多大了？ |
| hǎo, hǎo. zhè ge xiǎnzhǒng měi ge yuè jiǎonà de bǎofèi bù duō, hái kěyǐ fēnhóng. zhèbiān yǒu fèilǜ biǎo. nín jīnnián duō dà le? |
| OK. With this type, your monthly premium is not bad, and you get dividends. Here is a list of fee rates. How old are you this year? |
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| A | 30岁。30周岁。 |
| sānshí suì. sānshí zhōusuì. |
| Thirty. |
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| B | 30周岁的话，交20年，可以保障到55岁。每个月只要交三四百块。您每个月少出去吃顿饭或者少买件衣服，省下来的钱就能够为您提供一笔高达10万元的保障。 |
| sānshí zhōusuì dehuà, jiāo èrshí nián, kěyǐ bǎozhàng dào wǔshí wǔ suì. měi ge yuè zhǐ yào jiāo sān sì bǎi kuài. nín měi ge yuè shǎo chūqù chī dùn fàn huòzhě shǎo mǎi jiàn yīfu, shěng xiàlái de qián jiù nénggòu wèi nín tígōng yī bǐ gāodá shí wàn yuán de bǎozhàng. |
| If you're thirty, you pay in for 20 years, and you'll be guaranteed until the age of 55. You only pay three or four hundred RMB a month. If you go out for one less meal per month, or buy one less piece of clothing, the money you save will be enough for you to get great coverage, up to one hundred thousand yuan! |
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| A | 怎么样才能拿到这十万块呢？ |
| zěnmeyàng cái néng nádào zhè shí wàn kuài ne? |
| What do I have to do to get the hundred thousand? |
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| B | 过了观察期以后患了这些病，就能申请理赔。 |
| guò le guānchá qī yǐhòu huàn le zhèxiē bìng, jiù néng shēnqǐng lǐpéi. |
| After the observation period, you'll be able to apply for a settlement if you get any of these diseases. |
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| A | 那我如果不得这些病，不就亏了？ |
| nà wǒ rúguǒ bù dé zhèxiē bìng, bù jiù kuī le? |
| And if I don't get these diseases, don't I just lose money? |
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| B | 怎么能这么说。买保险就是买一个保障，“不怕一万，只怕万一”嘛！当然不得这些病更好。到55岁的时候，您还可以拿到满期保险金和红利作为养老金。 |
| zěnme néng zhème shuō. mǎi bǎoxiǎn jiùshì mǎi yī ge bǎozhàng, "bùpàyīwàn , zhǐpàwànyī" ma! dāngrán bù dé zhèxiē bìng gèng hǎo. dào wǔshí wǔ suì de shíhou, nín hái kěyǐ nádào mǎnqī bǎoxiǎnjīn hé hónglì zuòwéi yǎnglǎojīn. |
| How can you say that? Buying insurance is buying security. "Don't be afraid of the ten thousand things you know about-- worry about the unexpected!" Of course it's even better if you don't get these diseases. When you turn fifty-five, you can get your insurance dividend and extra dividend to use in your old age. |
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| A | 肯定能保本吗？分红情况怎么样？每年能分到多少红利？ |
| kěndìng néng bǎoběn ma? fēnhóng qíngkuàng zěnmeyàng? měinián néng fēndào duōshao hónglì? |
| Will I definitely be able to break even? What is the deal with dividends? How much of a dividend do I get each year? |
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| B | 肯定能保本。分红嘛，要看公司的经营业绩。公司每年都会寄账单给您。我们有一个大致的演算，肯定比存银行划算。 |
| kěndìng néng bǎoběn. fēnhóng ma, yào kàn gōngsī de jīngyíng yèjì. gōngsī měinián dōu huì jì zhàngdān gěi nín. wǒmen yǒu yī ge dàzhì de yǎnsuàn, kěndìng bǐ cún yínháng huásuàn. |
| You'll definitely be able to break even. In terms of dividends, it depends on the company's performance. Every year the company will send you a check. We have a basic idea of the figures. It's definitely a better deal than putting your money in a bank. |
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| A | 哦，可是这上面写的28种病没有适合我的。 |
| ò, kěshì zhè shàngmian xiě de èrshí bā zhǒng bìng méiyǒu shìhé wǒ de. |
| Ah, but among these 28 diseases, there's nothing appropriate for me. |
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| B | 啊？您什么意思？ |
| ǎ? nín shénme yìsi? |
| Huh? What do you mean? |
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| A | 如果我买了以后就有什么三长两短，能马上拿到钱吗？ |
| rúguǒ wǒ mǎi le yǐhòu jiù yǒu shénme sānchángliǎngduǎn, néng mǎshàng ná dào qián ma? |
| If I have some kind of unexpected calamity after I buy this, will I be able to get the money immediately? |
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| B | 只要过了180天的观察期后患病或身故的，都会马上给付。但是投保时要说清楚，带病投保不在理赔范围内。有某些疾病的还可能会被拒保。 |
| zhǐyào guò le yībǎi bāshí tiān de guānchá qī hòu huànbìng huò shēngù de, dōu huì mǎshàng jǐfù. dànshì tóubǎo shí yào shuō qīngchu, dàibìng tóubǎo bù zài lǐpéi fànwéi nèi. yǒu mǒuxiē jíbìng de hái kěnéng huì bèi jùbǎo. |
| As long as you've passed the 180 day observation period, you'll be able to get money immediately if you get sick or die. But when you're taking out a policy, you have to state your situation clearly. Pre-existing diseases are outside our range of coverage. There are some diseases for which coverage might be rejected. |
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| A | 为什么拒绝我？公司拒绝我，老婆拒绝我，现在保险公司也要拒绝我。这是歧视！我要告你们！ |
| wèishénme jùjué wǒ? gōngsī jùjué wǒ, lǎopó jùjué wǒ, xiànzài bǎoxiǎn gōngsī yě yào jùjué wǒ. zhè shì qíshì! wǒ yào gào nǐmen! |
| Why are you rejecting me? My company rejected me, my wife rejected me, and now the insurance company is going to reject me! This is discrimination! I'm going to sue you! |
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| B | 先生，你冷静点儿。我找个同事来跟你说啊。 |
| xiānsheng, nǐ lěngjìng diǎnr. wǒ zhǎo ge tóngshì lái gēn nǐ shuō a. |
| Sir, please calm down. I'll find a colleague to speak with you. |
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| A | 为什么？为什么？ |
| wèishénme? wèishénme? |
| Why? WHYYYYYY? |
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