For example, their insurance companies can't deny them coverage because of pre-existing conditions, like asthma or diabetes.

，公司不因为被人已有的病史而拒绝承，比方说哮喘或糖尿病。

" Health insurance premiums vary depending on the level of coverage and the age of the insured."

“健康费根据范围的水平和被人的年龄而有所不同。”

This limits " moral hazard" —that is, how much additional risky behavior and its consequent damage may occur among people who are insured.

这限制了“道德风”——即被人可多少额外的危行为及其随之而来的损害。

What makes life insurance different from a bond is that neither the individual insured nor the insurance company knows when that particular individual will die.

人寿与债券的不同之处在于，被人和公司都不知道该特定个人何时会死亡。