id	sid	tid	token	lemma	pos
fbem-8623	1	1	frontiers	frontier	NOUN
fbem-8623	1	2	in	in	ADP
fbem-8623	1	3	business	business	NOUN
fbem-8623	1	4	,	,	PUNCT
fbem-8623	1	5	economics	economic	NOUN
fbem-8623	1	6	and	and	CCONJ
fbem-8623	1	7	management	management	NOUN
fbem-8623	1	8	issn	issn	PROPN
fbem-8623	1	9	:	:	PUNCT
fbem-8623	1	10	2766	2766	NUM
fbem-8623	1	11	-	-	PUNCT
fbem-8623	1	12	824x	824x	NUM
fbem-8623	1	13	|	|	ADJ
fbem-8623	1	14	vol	vol	NOUN
fbem-8623	1	15	.	.	PROPN
fbem-8623	2	1	9	9	NUM
fbem-8623	2	2	,	,	PUNCT
fbem-8623	2	3	no	no	INTJ
fbem-8623	2	4	.	.	NOUN
fbem-8623	2	5	1	1	NUM
fbem-8623	2	6	,	,	PUNCT
fbem-8623	2	7	2023	2023	NUM
fbem-8623	2	8	203	203	NUM
fbem-8623	3	1	the	the	DET
fbem-8623	3	2	response	response	NOUN
fbem-8623	3	3	analysis	analysis	NOUN
fbem-8623	3	4	of	of	ADP
fbem-8623	3	5	life	life	NOUN
fbem-8623	3	6	insurance	insurance	NOUN
fbem-8623	3	7	companies	company	NOUN
fbem-8623	3	8	in	in	ADP
fbem-8623	3	9	low	low	ADJ
fbem-8623	3	10	interest	interest	NOUN
fbem-8623	3	11	rate	rate	NOUN
fbem-8623	3	12	environment	environment	NOUN
fbem-8623	3	13	-subtitle	-subtitle	NOUN
fbem-8623	3	14	is	be	AUX
fbem-8623	3	15	not	not	PART
fbem-8623	3	16	required	require	VERB
fbem-8623	3	17	,	,	PUNCT
fbem-8623	3	18	please	please	INTJ
fbem-8623	3	19	write	write	VERB
fbem-8623	3	20	it	it	PRON
fbem-8623	3	21	here	here	ADV
fbem-8623	3	22	if	if	SCONJ
fbem-8623	3	23	your	your	PRON
fbem-8623	3	24	article	article	NOUN
fbem-8623	3	25	has	have	VERB
fbem-8623	3	26	one	one	NUM
fbem-8623	3	27	yuan	yuan	NOUN
fbem-8623	3	28	yuan	yuan	NOUN
fbem-8623	3	29	*	*	PUNCT
fbem-8623	3	30	school	school	NOUN
fbem-8623	3	31	of	of	ADP
fbem-8623	3	32	business	business	PROPN
fbem-8623	3	33	administration	administration	PROPN
fbem-8623	3	34	,	,	PUNCT
fbem-8623	3	35	chongqing	chongqing	NOUN
fbem-8623	3	36	technology	technology	NOUN
fbem-8623	3	37	and	and	CCONJ
fbem-8623	3	38	business	business	NOUN
fbem-8623	3	39	university	university	NOUN
fbem-8623	3	40	,	,	PUNCT
fbem-8623	3	41	chongqing	chongqe	VERB
fbem-8623	3	42	400067	400067	NUM
fbem-8623	3	43	,	,	PUNCT
fbem-8623	3	44	china	china	PROPN
fbem-8623	3	45	*	*	PUNCT
fbem-8623	3	46	corresponding	correspond	VERB
fbem-8623	3	47	author	author	NOUN
fbem-8623	3	48	:	:	PUNCT
fbem-8623	3	49	yuan	yuan	PROPN
fbem-8623	3	50	yuan	yuan	PROPN
fbem-8623	3	51	(	(	PUNCT
fbem-8623	3	52	email	email	NOUN
fbem-8623	3	53	:	:	PUNCT
fbem-8623	3	54	13683936@qq.com	13683936@qq.com	NUM
fbem-8623	3	55	)	)	PUNCT
fbem-8623	3	56	abstract	abstract	NOUN
fbem-8623	3	57	:	:	PUNCT
fbem-8623	3	58	as	as	SCONJ
fbem-8623	3	59	china	china	PROPN
fbem-8623	3	60	's	's	PART
fbem-8623	3	61	economic	economic	PROPN
fbem-8623	3	62	development	development	NOUN
fbem-8623	3	63	situation	situation	NOUN
fbem-8623	3	64	changes	change	VERB
fbem-8623	3	65	from	from	ADP
fbem-8623	3	66	a	a	DET
fbem-8623	3	67	high	high	ADJ
fbem-8623	3	68	-	-	PUNCT
fbem-8623	3	69	speed	speed	NOUN
fbem-8623	3	70	growth	growth	NOUN
fbem-8623	3	71	period	period	NOUN
fbem-8623	3	72	to	to	ADP
fbem-8623	3	73	a	a	DET
fbem-8623	3	74	stable	stable	ADJ
fbem-8623	3	75	growth	growth	NOUN
fbem-8623	3	76	period	period	NOUN
fbem-8623	3	77	,	,	PUNCT
fbem-8623	3	78	and	and	CCONJ
fbem-8623	3	79	based	base	VERB
fbem-8623	3	80	on	on	ADP
fbem-8623	3	81	promoting	promote	VERB
fbem-8623	3	82	high	high	ADJ
fbem-8623	3	83	-	-	PUNCT
fbem-8623	3	84	quality	quality	NOUN
fbem-8623	3	85	economic	economic	ADJ
fbem-8623	3	86	development	development	NOUN
fbem-8623	3	87	,	,	PUNCT
fbem-8623	3	88	realizing	realize	VERB
fbem-8623	3	89	industrial	industrial	ADJ
fbem-8623	3	90	development	development	NOUN
fbem-8623	3	91	and	and	CCONJ
fbem-8623	3	92	reform	reform	NOUN
fbem-8623	3	93	,	,	PUNCT
fbem-8623	3	94	and	and	CCONJ
fbem-8623	3	95	stimulating	stimulate	VERB
fbem-8623	3	96	internal	internal	ADJ
fbem-8623	3	97	and	and	CCONJ
fbem-8623	3	98	external	external	ADJ
fbem-8623	3	99	development	development	NOUN
fbem-8623	3	100	vitality	vitality	NOUN
fbem-8623	3	101	,	,	PUNCT
fbem-8623	3	102	china	china	PROPN
fbem-8623	3	103	's	's	PART
fbem-8623	3	104	interest	interest	NOUN
fbem-8623	3	105	rate	rate	NOUN
fbem-8623	3	106	is	be	AUX
fbem-8623	3	107	entering	enter	VERB
fbem-8623	3	108	a	a	DET
fbem-8623	3	109	downward	downward	ADJ
fbem-8623	3	110	stage	stage	NOUN
fbem-8623	3	111	and	and	CCONJ
fbem-8623	3	112	will	will	AUX
fbem-8623	3	113	continue	continue	VERB
fbem-8623	3	114	for	for	ADP
fbem-8623	3	115	a	a	DET
fbem-8623	3	116	long	long	ADJ
fbem-8623	3	117	period	period	NOUN
fbem-8623	3	118	of	of	ADP
fbem-8623	3	119	time	time	NOUN
fbem-8623	3	120	.	.	PUNCT
fbem-8623	4	1	at	at	ADP
fbem-8623	4	2	the	the	DET
fbem-8623	4	3	same	same	ADJ
fbem-8623	4	4	time	time	NOUN
fbem-8623	4	5	,	,	PUNCT
fbem-8623	4	6	affected	affect	VERB
fbem-8623	4	7	by	by	ADP
fbem-8623	4	8	the	the	DET
fbem-8623	4	9	global	global	ADJ
fbem-8623	4	10	spread	spread	NOUN
fbem-8623	4	11	of	of	ADP
fbem-8623	4	12	the	the	DET
fbem-8623	4	13	new	new	ADJ
fbem-8623	4	14	coronavirus	coronavirus	NOUN
fbem-8623	4	15	epidemic	epidemic	NOUN
fbem-8623	4	16	,	,	PUNCT
fbem-8623	4	17	domestic	domestic	ADJ
fbem-8623	4	18	life	life	NOUN
fbem-8623	4	19	insurance	insurance	NOUN
fbem-8623	4	20	companies	company	NOUN
fbem-8623	4	21	still	still	ADV
fbem-8623	4	22	face	face	VERB
fbem-8623	4	23	many	many	ADJ
fbem-8623	4	24	difficulties	difficulty	NOUN
fbem-8623	4	25	in	in	ADP
fbem-8623	4	26	completing	complete	VERB
fbem-8623	4	27	industrial	industrial	ADJ
fbem-8623	4	28	transformation	transformation	NOUN
fbem-8623	4	29	and	and	CCONJ
fbem-8623	4	30	industrial	industrial	ADJ
fbem-8623	4	31	upgrading	upgrading	NOUN
fbem-8623	4	32	,	,	PUNCT
fbem-8623	4	33	and	and	CCONJ
fbem-8623	4	34	achieving	achieve	VERB
fbem-8623	4	35	sustainable	sustainable	ADJ
fbem-8623	4	36	development	development	NOUN
fbem-8623	4	37	in	in	ADP
fbem-8623	4	38	the	the	DET
fbem-8623	4	39	new	new	ADJ
fbem-8623	4	40	environment	environment	NOUN
fbem-8623	4	41	and	and	CCONJ
fbem-8623	4	42	new	new	ADJ
fbem-8623	4	43	era	era	NOUN
fbem-8623	4	44	.	.	PUNCT
fbem-8623	5	1	on	on	ADP
fbem-8623	5	2	the	the	DET
fbem-8623	5	3	one	one	NUM
fbem-8623	5	4	hand	hand	NOUN
fbem-8623	5	5	,	,	PUNCT
fbem-8623	5	6	life	life	NOUN
fbem-8623	5	7	insurance	insurance	NOUN
fbem-8623	5	8	companies	company	NOUN
fbem-8623	5	9	in	in	ADP
fbem-8623	5	10	the	the	DET
fbem-8623	5	11	low	low	ADJ
fbem-8623	5	12	interest	interest	NOUN
fbem-8623	5	13	rate	rate	NOUN
fbem-8623	5	14	environment	environment	NOUN
fbem-8623	5	15	,	,	PUNCT
fbem-8623	5	16	how	how	SCONJ
fbem-8623	5	17	to	to	PART
fbem-8623	5	18	effectively	effectively	ADV
fbem-8623	5	19	follow	follow	VERB
fbem-8623	5	20	the	the	DET
fbem-8623	5	21	three	three	NUM
fbem-8623	5	22	principles	principle	NOUN
fbem-8623	5	23	of	of	ADP
fbem-8623	5	24	investment	investment	NOUN
fbem-8623	5	25	in	in	ADP
fbem-8623	5	26	insurance	insurance	NOUN
fbem-8623	5	27	funds	fund	NOUN
fbem-8623	5	28	,	,	PUNCT
fbem-8623	5	29	while	while	SCONJ
fbem-8623	5	30	achieving	achieve	VERB
fbem-8623	5	31	social	social	ADJ
fbem-8623	5	32	and	and	CCONJ
fbem-8623	5	33	economic	economic	ADJ
fbem-8623	5	34	benefits	benefit	NOUN
fbem-8623	5	35	.	.	PUNCT
fbem-8623	6	1	on	on	ADP
fbem-8623	6	2	the	the	DET
fbem-8623	6	3	other	other	ADJ
fbem-8623	6	4	hand	hand	NOUN
fbem-8623	6	5	,	,	PUNCT
fbem-8623	6	6	how	how	SCONJ
fbem-8623	6	7	to	to	PART
fbem-8623	6	8	overcome	overcome	VERB
fbem-8623	6	9	the	the	DET
fbem-8623	6	10	current	current	ADJ
fbem-8623	6	11	difficulties	difficulty	NOUN
fbem-8623	6	12	faced	face	VERB
fbem-8623	6	13	by	by	ADP
fbem-8623	6	14	life	life	NOUN
fbem-8623	6	15	insurance	insurance	NOUN
fbem-8623	6	16	companies	company	NOUN
fbem-8623	6	17	and	and	CCONJ
fbem-8623	6	18	continue	continue	VERB
fbem-8623	6	19	to	to	PART
fbem-8623	6	20	promote	promote	VERB
fbem-8623	6	21	the	the	DET
fbem-8623	6	22	innovation	innovation	NOUN
fbem-8623	6	23	and	and	CCONJ
fbem-8623	6	24	upgrading	upgrading	NOUN
fbem-8623	6	25	of	of	ADP
fbem-8623	6	26	operating	operate	VERB
fbem-8623	6	27	methods	method	NOUN
fbem-8623	6	28	.	.	PUNCT
fbem-8623	7	1	we	we	PRON
fbem-8623	7	2	make	make	VERB
fbem-8623	7	3	four	four	NUM
fbem-8623	7	4	key	key	ADJ
fbem-8623	7	5	statements	statement	NOUN
fbem-8623	7	6	on	on	ADP
fbem-8623	7	7	the	the	DET
fbem-8623	7	8	coping	cope	VERB
fbem-8623	7	9	strategies	strategy	NOUN
fbem-8623	7	10	of	of	ADP
fbem-8623	7	11	life	life	NOUN
fbem-8623	7	12	insurance	insurance	NOUN
fbem-8623	7	13	companies	company	NOUN
fbem-8623	7	14	in	in	ADP
fbem-8623	7	15	the	the	DET
fbem-8623	7	16	continuous	continuous	ADJ
fbem-8623	7	17	low	low	ADJ
fbem-8623	7	18	interest	interest	NOUN
fbem-8623	7	19	rate	rate	NOUN
fbem-8623	7	20	environment	environment	NOUN
fbem-8623	7	21	:(	:(	PROPN
fbem-8623	7	22	1	1	X
fbem-8623	7	23	)	)	PUNCT
fbem-8623	7	24	the	the	DET
fbem-8623	7	25	rate	rate	NOUN
fbem-8623	7	26	design	design	NOUN
fbem-8623	7	27	of	of	ADP
fbem-8623	7	28	life	life	NOUN
fbem-8623	7	29	insurance	insurance	NOUN
fbem-8623	7	30	products	product	NOUN
fbem-8623	7	31	is	be	AUX
fbem-8623	7	32	more	more	ADJ
fbem-8623	7	33	in	in	ADP
fbem-8623	7	34	line	line	NOUN
fbem-8623	7	35	with	with	ADP
fbem-8623	7	36	the	the	DET
fbem-8623	7	37	potential	potential	ADJ
fbem-8623	7	38	expected	expect	VERB
fbem-8623	7	39	interest	interest	NOUN
fbem-8623	7	40	rate	rate	NOUN
fbem-8623	7	41	changes	change	NOUN
fbem-8623	7	42	and	and	CCONJ
fbem-8623	7	43	grasps	grasp	VERB
fbem-8623	7	44	the	the	DET
fbem-8623	7	45	overall	overall	ADJ
fbem-8623	7	46	development	development	NOUN
fbem-8623	7	47	direction	direction	NOUN
fbem-8623	7	48	of	of	ADP
fbem-8623	7	49	the	the	DET
fbem-8623	7	50	country	country	NOUN
fbem-8623	7	51	.	.	PUNCT
fbem-8623	8	1	(	(	PUNCT
fbem-8623	8	2	2	2	X
fbem-8623	8	3	)	)	PUNCT
fbem-8623	8	4	build	build	VERB
fbem-8623	8	5	new	new	ADJ
fbem-8623	8	6	channels	channel	NOUN
fbem-8623	8	7	of	of	ADP
fbem-8623	8	8	investment	investment	NOUN
fbem-8623	8	9	and	and	CCONJ
fbem-8623	8	10	financial	financial	ADJ
fbem-8623	8	11	management	management	NOUN
fbem-8623	8	12	,	,	PUNCT
fbem-8623	8	13	strengthen	strengthen	VERB
fbem-8623	8	14	the	the	DET
fbem-8623	8	15	use	use	NOUN
fbem-8623	8	16	of	of	ADP
fbem-8623	8	17	funds	fund	NOUN
fbem-8623	8	18	.	.	PUNCT
fbem-8623	9	1	(	(	PUNCT
fbem-8623	9	2	3	3	X
fbem-8623	9	3	)	)	PUNCT
fbem-8623	9	4	starting	start	VERB
fbem-8623	9	5	from	from	ADP
fbem-8623	9	6	the	the	DET
fbem-8623	9	7	marketing	marketing	NOUN
fbem-8623	9	8	mode	mode	NOUN
fbem-8623	9	9	of	of	ADP
fbem-8623	9	10	the	the	DET
fbem-8623	9	11	new	new	ADJ
fbem-8623	9	12	life	life	NOUN
fbem-8623	9	13	insurance	insurance	NOUN
fbem-8623	9	14	business	business	NOUN
fbem-8623	9	15	accelerated	accelerate	VERB
fbem-8623	9	16	by	by	ADP
fbem-8623	9	17	the	the	DET
fbem-8623	9	18	epidemic	epidemic	NOUN
fbem-8623	9	19	situation	situation	NOUN
fbem-8623	9	20	,	,	PUNCT
fbem-8623	9	21	life	life	NOUN
fbem-8623	9	22	insurance	insurance	NOUN
fbem-8623	9	23	companies	company	NOUN
fbem-8623	9	24	focus	focus	VERB
fbem-8623	9	25	on	on	ADP
fbem-8623	9	26	building	build	VERB
fbem-8623	9	27	a	a	DET
fbem-8623	9	28	complete	complete	ADJ
fbem-8623	9	29	online	online	ADJ
fbem-8623	9	30	insurance	insurance	NOUN
fbem-8623	9	31	sales	sale	NOUN
fbem-8623	9	32	platform	platform	NOUN
fbem-8623	9	33	based	base	VERB
fbem-8623	9	34	on	on	ADP
fbem-8623	9	35	science	science	NOUN
fbem-8623	9	36	and	and	CCONJ
fbem-8623	9	37	technology	technology	NOUN
fbem-8623	9	38	innovation	innovation	NOUN
fbem-8623	9	39	and	and	CCONJ
fbem-8623	9	40	relying	rely	VERB
fbem-8623	9	41	on	on	ADP
fbem-8623	9	42	the	the	DET
fbem-8623	9	43	internet	internet	NOUN
fbem-8623	9	44	.	.	PUNCT
fbem-8623	10	1	(	(	PUNCT
fbem-8623	10	2	4	4	X
fbem-8623	10	3	)	)	PUNCT
fbem-8623	10	4	accelerate	accelerate	VERB
fbem-8623	10	5	the	the	DET
fbem-8623	10	6	construction	construction	NOUN
fbem-8623	10	7	of	of	ADP
fbem-8623	10	8	talent	talent	NOUN
fbem-8623	10	9	training	training	NOUN
fbem-8623	10	10	and	and	CCONJ
fbem-8623	10	11	build	build	VERB
fbem-8623	10	12	a	a	DET
fbem-8623	10	13	reasonable	reasonable	ADJ
fbem-8623	10	14	talent	talent	NOUN
fbem-8623	10	15	grow	grow	NOUN
fbem-8623	10	16	system	system	NOUN
fbem-8623	10	17	.	.	PUNCT
fbem-8623	11	1	keywords	keyword	NOUN
fbem-8623	11	2	:	:	PUNCT
fbem-8623	11	3	low	low	ADJ
fbem-8623	11	4	interest	interest	NOUN
fbem-8623	11	5	rate	rate	NOUN
fbem-8623	11	6	,	,	PUNCT
fbem-8623	11	7	life	life	NOUN
fbem-8623	11	8	insurance	insurance	NOUN
fbem-8623	11	9	company	company	NOUN
fbem-8623	11	10	,	,	PUNCT
fbem-8623	11	11	insurance	insurance	NOUN
fbem-8623	11	12	market	market	NOUN
fbem-8623	11	13	.	.	PUNCT
fbem-8623	12	1	1	1	X
fbem-8623	12	2	.	.	X
fbem-8623	12	3	introduction	introduction	NOUN
fbem-8623	12	4	after	after	ADP
fbem-8623	12	5	the	the	DET
fbem-8623	12	6	reform	reform	NOUN
fbem-8623	12	7	and	and	CCONJ
fbem-8623	12	8	opening	opening	NOUN
fbem-8623	12	9	up	up	ADP
fbem-8623	12	10	,	,	PUNCT
fbem-8623	12	11	the	the	DET
fbem-8623	12	12	domestic	domestic	ADJ
fbem-8623	12	13	insurance	insurance	NOUN
fbem-8623	12	14	business	business	NOUN
fbem-8623	12	15	from	from	ADP
fbem-8623	12	16	products	product	NOUN
fbem-8623	12	17	to	to	ADP
fbem-8623	12	18	industry	industry	NOUN
fbem-8623	12	19	,	,	PUNCT
fbem-8623	12	20	from	from	ADP
fbem-8623	12	21	extensive	extensive	ADJ
fbem-8623	12	22	to	to	ADP
fbem-8623	12	23	intensive	intensive	ADJ
fbem-8623	12	24	rapid	rapid	ADJ
fbem-8623	12	25	development	development	NOUN
fbem-8623	12	26	,	,	PUNCT
fbem-8623	12	27	is	be	AUX
fbem-8623	12	28	full	full	ADJ
fbem-8623	12	29	of	of	ADP
fbem-8623	12	30	vitality	vitality	NOUN
fbem-8623	12	31	.	.	PUNCT
fbem-8623	13	1	life	life	NOUN
fbem-8623	13	2	insurance	insurance	NOUN
fbem-8623	13	3	business	business	NOUN
fbem-8623	13	4	and	and	CCONJ
fbem-8623	13	5	property	property	NOUN
fbem-8623	13	6	insurance	insurance	NOUN
fbem-8623	13	7	business	business	NOUN
fbem-8623	13	8	are	be	AUX
fbem-8623	13	9	operated	operate	VERB
fbem-8623	13	10	separately	separately	ADV
fbem-8623	13	11	.	.	PUNCT
fbem-8623	14	1	the	the	DET
fbem-8623	14	2	traditional	traditional	ADJ
fbem-8623	14	3	life	life	NOUN
fbem-8623	14	4	insurance	insurance	NOUN
fbem-8623	14	5	business	business	NOUN
fbem-8623	14	6	functions	function	NOUN
fbem-8623	14	7	mainly	mainly	ADV
fbem-8623	14	8	include	include	VERB
fbem-8623	14	9	security	security	NOUN
fbem-8623	14	10	and	and	CCONJ
fbem-8623	14	11	savings	saving	NOUN
fbem-8623	14	12	,	,	PUNCT
fbem-8623	14	13	while	while	SCONJ
fbem-8623	14	14	investment	investment	NOUN
fbem-8623	14	15	-	-	PUNCT
fbem-8623	14	16	based	base	VERB
fbem-8623	14	17	life	life	NOUN
fbem-8623	14	18	insurance	insurance	NOUN
fbem-8623	14	19	business	business	NOUN
fbem-8623	14	20	emerged	emerge	VERB
fbem-8623	14	21	in	in	ADP
fbem-8623	14	22	the	the	DET
fbem-8623	14	23	context	context	NOUN
fbem-8623	14	24	of	of	ADP
fbem-8623	14	25	economic	economic	ADJ
fbem-8623	14	26	development	development	NOUN
fbem-8623	14	27	and	and	CCONJ
fbem-8623	14	28	became	become	VERB
fbem-8623	14	29	one	one	NUM
fbem-8623	14	30	of	of	ADP
fbem-8623	14	31	the	the	DET
fbem-8623	14	32	most	most	ADV
fbem-8623	14	33	important	important	ADJ
fbem-8623	14	34	financial	financial	ADJ
fbem-8623	14	35	tools	tool	NOUN
fbem-8623	14	36	for	for	ADP
fbem-8623	14	37	contemporary	contemporary	ADJ
fbem-8623	14	38	people	people	NOUN
fbem-8623	14	39	.	.	PUNCT
fbem-8623	15	1	in	in	ADP
fbem-8623	15	2	recent	recent	ADJ
fbem-8623	15	3	years	year	NOUN
fbem-8623	15	4	,	,	PUNCT
fbem-8623	15	5	the	the	DET
fbem-8623	15	6	state	state	NOUN
fbem-8623	15	7	has	have	AUX
fbem-8623	15	8	implemented	implement	VERB
fbem-8623	15	9	a	a	DET
fbem-8623	15	10	series	series	NOUN
fbem-8623	15	11	of	of	ADP
fbem-8623	15	12	macroeconomic	macroeconomic	ADJ
fbem-8623	15	13	policies	policy	NOUN
fbem-8623	15	14	to	to	PART
fbem-8623	15	15	promote	promote	VERB
fbem-8623	15	16	the	the	DET
fbem-8623	15	17	overall	overall	ADJ
fbem-8623	15	18	economic	economic	ADJ
fbem-8623	15	19	growth	growth	NOUN
fbem-8623	15	20	and	and	CCONJ
fbem-8623	15	21	development	development	NOUN
fbem-8623	15	22	of	of	ADP
fbem-8623	15	23	the	the	DET
fbem-8623	15	24	country	country	NOUN
fbem-8623	15	25	.	.	PUNCT
fbem-8623	16	1	after	after	ADP
fbem-8623	16	2	the	the	DET
fbem-8623	16	3	fifth	fifth	ADJ
fbem-8623	16	4	plenary	plenary	ADJ
fbem-8623	16	5	session	session	NOUN
fbem-8623	16	6	of	of	ADP
fbem-8623	16	7	the	the	DET
fbem-8623	16	8	19th	19th	ADJ
fbem-8623	16	9	cpc	cpc	PROPN
fbem-8623	16	10	central	central	PROPN
fbem-8623	16	11	committee	committee	PROPN
fbem-8623	16	12	,	,	PUNCT
fbem-8623	16	13	the	the	DET
fbem-8623	16	14	state	state	NOUN
fbem-8623	16	15	proposed	propose	VERB
fbem-8623	16	16	the	the	DET
fbem-8623	16	17	simultaneous	simultaneous	ADJ
fbem-8623	16	18	development	development	NOUN
fbem-8623	16	19	of	of	ADP
fbem-8623	16	20	the	the	DET
fbem-8623	16	21	14th	14th	ADJ
fbem-8623	16	22	five	five	NUM
fbem-8623	16	23	-	-	PUNCT
fbem-8623	16	24	year	year	NOUN
fbem-8623	16	25	plan	plan	NOUN
fbem-8623	16	26	and	and	CCONJ
fbem-8623	16	27	the	the	DET
fbem-8623	16	28	2035	2035	NUM
fbem-8623	16	29	vision	vision	NOUN
fbem-8623	16	30	goals	goal	NOUN
fbem-8623	16	31	,	,	PUNCT
fbem-8623	16	32	and	and	CCONJ
fbem-8623	16	33	made	make	VERB
fbem-8623	16	34	requirements	requirement	NOUN
fbem-8623	16	35	for	for	ADP
fbem-8623	16	36	insurance	insurance	NOUN
fbem-8623	16	37	development	development	NOUN
fbem-8623	16	38	over	over	ADP
fbem-8623	16	39	a	a	DET
fbem-8623	16	40	period	period	NOUN
fbem-8623	16	41	of	of	ADP
fbem-8623	16	42	time	time	NOUN
fbem-8623	16	43	.	.	PUNCT
fbem-8623	17	1	compared	compare	VERB
fbem-8623	17	2	with	with	ADP
fbem-8623	17	3	developed	develop	VERB
fbem-8623	17	4	countries	country	NOUN
fbem-8623	17	5	,	,	PUNCT
fbem-8623	17	6	china	china	PROPN
fbem-8623	17	7	's	's	PART
fbem-8623	17	8	insurance	insurance	NOUN
fbem-8623	17	9	depth	depth	NOUN
fbem-8623	17	10	and	and	CCONJ
fbem-8623	17	11	insurance	insurance	NOUN
fbem-8623	17	12	density	density	NOUN
fbem-8623	17	13	are	be	AUX
fbem-8623	17	14	low	low	ADJ
fbem-8623	17	15	,	,	PUNCT
fbem-8623	17	16	national	national	ADJ
fbem-8623	17	17	insurance	insurance	NOUN
fbem-8623	17	18	awareness	awareness	NOUN
fbem-8623	17	19	is	be	AUX
fbem-8623	17	20	insufficient	insufficient	ADJ
fbem-8623	17	21	,	,	PUNCT
fbem-8623	17	22	competition	competition	NOUN
fbem-8623	17	23	means	mean	VERB
fbem-8623	17	24	are	be	AUX
fbem-8623	17	25	homogeneous	homogeneous	ADJ
fbem-8623	17	26	,	,	PUNCT
fbem-8623	17	27	and	and	CCONJ
fbem-8623	17	28	endogenous	endogenous	ADJ
fbem-8623	17	29	development	development	NOUN
fbem-8623	17	30	momentum	momentum	NOUN
fbem-8623	17	31	is	be	AUX
fbem-8623	17	32	lacking	lack	VERB
fbem-8623	17	33	.	.	PUNCT
fbem-8623	18	1	insurance	insurance	NOUN
fbem-8623	18	2	finance	finance	NOUN
fbem-8623	18	3	,	,	PUNCT
fbem-8623	18	4	which	which	PRON
fbem-8623	18	5	does	do	AUX
fbem-8623	18	6	not	not	PART
fbem-8623	18	7	match	match	VERB
fbem-8623	18	8	the	the	DET
fbem-8623	18	9	national	national	ADJ
fbem-8623	18	10	development	development	NOUN
fbem-8623	18	11	process	process	NOUN
fbem-8623	18	12	,	,	PUNCT
fbem-8623	18	13	shows	show	VERB
fbem-8623	18	14	great	great	ADJ
fbem-8623	18	15	potential	potential	NOUN
fbem-8623	18	16	,	,	PUNCT
fbem-8623	18	17	but	but	CCONJ
fbem-8623	18	18	it	it	PRON
fbem-8623	18	19	also	also	ADV
fbem-8623	18	20	needs	need	VERB
fbem-8623	18	21	innovation	innovation	NOUN
fbem-8623	18	22	to	to	PART
fbem-8623	18	23	achieve	achieve	VERB
fbem-8623	18	24	corner	corner	NOUN
fbem-8623	18	25	overtaking	overtaking	NOUN
fbem-8623	18	26	.	.	PUNCT
fbem-8623	19	1	2	2	X
fbem-8623	19	2	.	.	X
fbem-8623	19	3	environmental	environmental	ADJ
fbem-8623	19	4	sustainability	sustainability	NOUN
fbem-8623	19	5	analysis	analysis	NOUN
fbem-8623	19	6	of	of	ADP
fbem-8623	19	7	low	low	ADJ
fbem-8623	19	8	interest	interest	NOUN
fbem-8623	19	9	rate	rate	NOUN
fbem-8623	19	10	in	in	ADP
fbem-8623	19	11	domestic	domestic	ADJ
fbem-8623	19	12	life	life	NOUN
fbem-8623	19	13	insurance	insurance	NOUN
fbem-8623	19	14	industry	industry	NOUN
fbem-8623	19	15	2.1	2.1	NUM
fbem-8623	19	16	.	.	PUNCT
fbem-8623	20	1	domestic	domestic	ADJ
fbem-8623	20	2	life	life	NOUN
fbem-8623	20	3	insurance	insurance	NOUN
fbem-8623	20	4	development	development	NOUN
fbem-8623	20	5	environment	environment	NOUN
fbem-8623	20	6	after	after	ADP
fbem-8623	20	7	the	the	DET
fbem-8623	20	8	reform	reform	NOUN
fbem-8623	20	9	and	and	CCONJ
fbem-8623	20	10	opening	opening	NOUN
fbem-8623	20	11	up	up	ADP
fbem-8623	21	1	,	,	PUNCT
fbem-8623	21	2	china	china	PROPN
fbem-8623	21	3	has	have	VERB
fbem-8623	21	4	a	a	DET
fbem-8623	21	5	total	total	NOUN
fbem-8623	21	6	of	of	ADP
fbem-8623	21	7	13	13	NUM
fbem-8623	21	8	insurance	insurance	NOUN
fbem-8623	21	9	groups	group	NOUN
fbem-8623	21	10	,	,	PUNCT
fbem-8623	21	11	88	88	NUM
fbem-8623	21	12	property	property	NOUN
fbem-8623	21	13	insurance	insurance	NOUN
fbem-8623	21	14	companies	company	NOUN
fbem-8623	21	15	,	,	PUNCT
fbem-8623	21	16	91	91	NUM
fbem-8623	21	17	life	life	NOUN
fbem-8623	21	18	insurance	insurance	NOUN
fbem-8623	21	19	companies	company	NOUN
fbem-8623	21	20	,	,	PUNCT
fbem-8623	21	21	13	13	NUM
fbem-8623	21	22	reinsurance	reinsurance	NOUN
fbem-8623	21	23	companies	company	NOUN
fbem-8623	21	24	,	,	PUNCT
fbem-8623	21	25	62	62	NUM
fbem-8623	21	26	insurance	insurance	NOUN
fbem-8623	21	27	intermediaries	intermediary	NOUN
fbem-8623	21	28	,	,	PUNCT
fbem-8623	21	29	and	and	CCONJ
fbem-8623	21	30	many	many	ADJ
fbem-8623	21	31	insurance	insurance	NOUN
fbem-8623	21	32	branches	branch	NOUN
fbem-8623	21	33	and	and	CCONJ
fbem-8623	21	34	agents	agent	NOUN
fbem-8623	21	35	.	.	PUNCT
fbem-8623	22	1	the	the	DET
fbem-8623	22	2	insurance	insurance	NOUN
fbem-8623	22	3	industry	industry	NOUN
fbem-8623	22	4	is	be	AUX
fbem-8623	22	5	one	one	NUM
fbem-8623	22	6	of	of	ADP
fbem-8623	22	7	the	the	DET
fbem-8623	22	8	most	most	ADV
fbem-8623	22	9	active	active	ADJ
fbem-8623	22	10	and	and	CCONJ
fbem-8623	22	11	important	important	ADJ
fbem-8623	22	12	economic	economic	ADJ
fbem-8623	22	13	forces	force	NOUN
fbem-8623	22	14	in	in	ADP
fbem-8623	22	15	china	china	PROPN
fbem-8623	22	16	's	's	PART
fbem-8623	22	17	capital	capital	NOUN
fbem-8623	22	18	market	market	NOUN
fbem-8623	22	19	.	.	PUNCT
fbem-8623	23	1	china	china	PROPN
fbem-8623	23	2	's	's	PART
fbem-8623	23	3	insurance	insurance	NOUN
fbem-8623	23	4	industry	industry	NOUN
fbem-8623	23	5	is	be	AUX
fbem-8623	23	6	drawing	draw	VERB
fbem-8623	23	7	on	on	ADP
fbem-8623	23	8	the	the	DET
fbem-8623	23	9	advanced	advanced	ADJ
fbem-8623	23	10	insurance	insurance	NOUN
fbem-8623	23	11	management	management	NOUN
fbem-8623	23	12	experience	experience	NOUN
fbem-8623	23	13	of	of	ADP
fbem-8623	23	14	developed	develop	VERB
fbem-8623	23	15	countries	country	NOUN
fbem-8623	23	16	and	and	CCONJ
fbem-8623	23	17	regions	region	NOUN
fbem-8623	23	18	to	to	PART
fbem-8623	23	19	develop	develop	VERB
fbem-8623	23	20	itself	itself	PRON
fbem-8623	23	21	.	.	PUNCT
fbem-8623	24	1	at	at	ADP
fbem-8623	24	2	the	the	DET
fbem-8623	24	3	same	same	ADJ
fbem-8623	24	4	time	time	NOUN
fbem-8623	24	5	,	,	PUNCT
fbem-8623	24	6	it	it	PRON
fbem-8623	24	7	is	be	AUX
fbem-8623	24	8	also	also	ADV
fbem-8623	24	9	actively	actively	ADV
fbem-8623	24	10	exploring	explore	VERB
fbem-8623	24	11	its	its	PRON
fbem-8623	24	12	own	own	ADJ
fbem-8623	24	13	development	development	NOUN
fbem-8623	24	14	path	path	NOUN
fbem-8623	24	15	.	.	PUNCT
fbem-8623	25	1	from	from	ADP
fbem-8623	25	2	the	the	DET
fbem-8623	25	3	emergence	emergence	NOUN
fbem-8623	25	4	of	of	ADP
fbem-8623	25	5	the	the	DET
fbem-8623	25	6	first	first	ADJ
fbem-8623	25	7	joint	joint	ADJ
fbem-8623	25	8	-	-	PUNCT
fbem-8623	25	9	stock	stock	NOUN
fbem-8623	25	10	insurance	insurance	NOUN
fbem-8623	25	11	company	company	NOUN
fbem-8623	25	12	in	in	ADP
fbem-8623	25	13	china	china	PROPN
fbem-8623	25	14	to	to	ADP
fbem-8623	25	15	the	the	DET
fbem-8623	25	16	emergence	emergence	NOUN
fbem-8623	25	17	of	of	ADP
fbem-8623	25	18	insurance	insurance	NOUN
fbem-8623	25	19	groups	group	NOUN
fbem-8623	25	20	,	,	PUNCT
fbem-8623	25	21	from	from	ADP
fbem-8623	25	22	the	the	DET
fbem-8623	25	23	introduction	introduction	NOUN
fbem-8623	25	24	of	of	ADP
fbem-8623	25	25	the	the	DET
fbem-8623	25	26	agent	agent	NOUN
fbem-8623	25	27	system	system	NOUN
fbem-8623	25	28	by	by	ADP
fbem-8623	25	29	friends	friend	NOUN
fbem-8623	25	30	to	to	ADP
fbem-8623	25	31	the	the	DET
fbem-8623	25	32	combination	combination	NOUN
fbem-8623	25	33	of	of	ADP
fbem-8623	25	34	the	the	DET
fbem-8623	25	35	internet	internet	NOUN
fbem-8623	25	36	and	and	CCONJ
fbem-8623	25	37	insurance	insurance	NOUN
fbem-8623	25	38	,	,	PUNCT
fbem-8623	25	39	the	the	DET
fbem-8623	25	40	development	development	NOUN
fbem-8623	25	41	of	of	ADP
fbem-8623	25	42	china	china	PROPN
fbem-8623	25	43	's	's	PART
fbem-8623	25	44	insurance	insurance	NOUN
fbem-8623	25	45	is	be	AUX
fbem-8623	25	46	a	a	DET
fbem-8623	25	47	quantitative	quantitative	ADJ
fbem-8623	25	48	improvement	improvement	NOUN
fbem-8623	25	49	and	and	CCONJ
fbem-8623	25	50	a	a	DET
fbem-8623	25	51	qualitative	qualitative	ADJ
fbem-8623	25	52	change	change	NOUN
fbem-8623	25	53	.	.	PUNCT
fbem-8623	26	1	while	while	SCONJ
fbem-8623	26	2	the	the	DET
fbem-8623	26	3	"	"	PUNCT
fbem-8623	26	4	solvency	solvency	NOUN
fbem-8623	26	5	generation	generation	NOUN
fbem-8623	26	6	‘	'	PUNCT
fbem-8623	26	7	generally	generally	ADV
fbem-8623	26	8	promotes	promote	VERB
fbem-8623	26	9	development	development	NOUN
fbem-8623	26	10	,	,	PUNCT
fbem-8623	26	11	china	china	PROPN
fbem-8623	26	12	has	have	AUX
fbem-8623	26	13	also	also	ADV
fbem-8623	26	14	launched	launch	VERB
fbem-8623	26	15	a	a	DET
fbem-8623	26	16	new	new	ADJ
fbem-8623	26	17	set	set	NOUN
fbem-8623	26	18	of	of	ADP
fbem-8623	26	19	solvency	solvency	NOUN
fbem-8623	26	20	supervision	supervision	NOUN
fbem-8623	26	21	system	system	NOUN
fbem-8623	26	22	’	'	PUNCT
fbem-8623	26	23	solvency	solvency	NOUN
fbem-8623	26	24	generation	generation	NOUN
fbem-8623	26	25	ii	ii	PROPN
fbem-8623	26	26	(	(	PUNCT
fbem-8623	26	27	c	c	NOUN
fbem-8623	26	28	-	-	PUNCT
fbem-8623	26	29	ross	ross	PROPN
fbem-8623	26	30	)	)	PUNCT
fbem-8623	26	31	"	"	PUNCT
fbem-8623	26	32	that	that	PRON
fbem-8623	26	33	reflects	reflect	VERB
fbem-8623	26	34	the	the	DET
fbem-8623	26	35	national	national	ADJ
fbem-8623	26	36	conditions	condition	NOUN
fbem-8623	26	37	.	.	PUNCT
fbem-8623	27	1	at	at	ADP
fbem-8623	27	2	present	present	ADJ
fbem-8623	27	3	,	,	PUNCT
fbem-8623	27	4	the	the	DET
fbem-8623	27	5	global	global	ADJ
fbem-8623	27	6	economy	economy	NOUN
fbem-8623	27	7	is	be	AUX
fbem-8623	27	8	slowing	slow	VERB
fbem-8623	27	9	down	down	ADP
fbem-8623	27	10	and	and	CCONJ
fbem-8623	27	11	the	the	DET
fbem-8623	27	12	follow	follow	VERB
fbem-8623	27	13	-	-	PUNCT
fbem-8623	27	14	up	up	ADP
fbem-8623	27	15	development	development	NOUN
fbem-8623	27	16	lacks	lack	VERB
fbem-8623	27	17	motivation	motivation	NOUN
fbem-8623	27	18	.	.	PUNCT
fbem-8623	28	1	at	at	ADP
fbem-8623	28	2	home	home	NOUN
fbem-8623	28	3	and	and	CCONJ
fbem-8623	28	4	abroad	abroad	ADV
fbem-8623	28	5	,	,	PUNCT
fbem-8623	28	6	low	low	ADJ
fbem-8623	28	7	interest	interest	NOUN
fbem-8623	28	8	rate	rate	NOUN
fbem-8623	28	9	policy	policy	NOUN
fbem-8623	28	10	is	be	AUX
fbem-8623	28	11	generally	generally	ADV
fbem-8623	28	12	implemented	implement	VERB
fbem-8623	28	13	[	[	PUNCT
fbem-8623	28	14	1	1	NUM
fbem-8623	28	15	]	]	PUNCT
fbem-8623	28	16	.	.	PUNCT
fbem-8623	29	1	the	the	DET
fbem-8623	29	2	fed	fed	PROPN
fbem-8623	29	3	continues	continue	VERB
fbem-8623	29	4	to	to	PART
fbem-8623	29	5	cut	cut	VERB
fbem-8623	29	6	interest	interest	NOUN
fbem-8623	29	7	rates	rate	NOUN
fbem-8623	29	8	,	,	PUNCT
fbem-8623	29	9	and	and	CCONJ
fbem-8623	29	10	developed	developed	ADJ
fbem-8623	29	11	countries	country	NOUN
fbem-8623	29	12	such	such	ADJ
fbem-8623	29	13	as	as	ADP
fbem-8623	29	14	japan	japan	PROPN
fbem-8623	29	15	and	and	CCONJ
fbem-8623	29	16	europe	europe	PROPN
fbem-8623	29	17	continue	continue	VERB
fbem-8623	29	18	to	to	PART
fbem-8623	29	19	have	have	VERB
fbem-8623	29	20	nominal	nominal	ADJ
fbem-8623	29	21	low	low	ADJ
fbem-8623	29	22	interest	interest	NOUN
fbem-8623	29	23	204	204	NUM
fbem-8623	29	24	rates	rate	NOUN
fbem-8623	29	25	or	or	CCONJ
fbem-8623	29	26	even	even	ADV
fbem-8623	29	27	nominal	nominal	ADJ
fbem-8623	29	28	negative	negative	ADJ
fbem-8623	29	29	interest	interest	NOUN
fbem-8623	29	30	rates	rate	NOUN
fbem-8623	29	31	.	.	PUNCT
fbem-8623	30	1	the	the	DET
fbem-8623	30	2	international	international	ADJ
fbem-8623	30	3	situation	situation	NOUN
fbem-8623	30	4	also	also	ADV
fbem-8623	30	5	has	have	VERB
fbem-8623	30	6	a	a	DET
fbem-8623	30	7	huge	huge	ADJ
fbem-8623	30	8	impact	impact	NOUN
fbem-8623	30	9	on	on	ADP
fbem-8623	30	10	domestic	domestic	ADJ
fbem-8623	30	11	business	business	NOUN
fbem-8623	30	12	development	development	NOUN
fbem-8623	30	13	.	.	PUNCT
fbem-8623	31	1	since	since	SCONJ
fbem-8623	31	2	the	the	DET
fbem-8623	31	3	central	central	ADJ
fbem-8623	31	4	bank	bank	NOUN
fbem-8623	31	5	lowered	lower	VERB
fbem-8623	31	6	the	the	DET
fbem-8623	31	7	benchmark	benchmark	ADJ
fbem-8623	31	8	deposit	deposit	NOUN
fbem-8623	31	9	interest	interest	NOUN
fbem-8623	31	10	rate	rate	NOUN
fbem-8623	31	11	to	to	ADP
fbem-8623	31	12	1.5	1.5	NUM
fbem-8623	31	13	%	%	NOUN
fbem-8623	31	14	in	in	ADP
fbem-8623	31	15	2014	2014	NUM
fbem-8623	31	16	-	-	SYM
fbem-8623	31	17	2015	2015	NUM
fbem-8623	31	18	,	,	PUNCT
fbem-8623	31	19	china	china	PROPN
fbem-8623	31	20	's	's	PART
fbem-8623	31	21	insurance	insurance	NOUN
fbem-8623	31	22	industry	industry	NOUN
fbem-8623	31	23	has	have	AUX
fbem-8623	31	24	experienced	experience	VERB
fbem-8623	31	25	a	a	DET
fbem-8623	31	26	period	period	NOUN
fbem-8623	31	27	of	of	ADP
fbem-8623	31	28	fluctuation	fluctuation	NOUN
fbem-8623	31	29	.	.	PUNCT
fbem-8623	32	1	during	during	ADP
fbem-8623	32	2	this	this	DET
fbem-8623	32	3	period	period	NOUN
fbem-8623	32	4	,	,	PUNCT
fbem-8623	32	5	the	the	DET
fbem-8623	32	6	steady	steady	ADJ
fbem-8623	32	7	growth	growth	NOUN
fbem-8623	32	8	of	of	ADP
fbem-8623	32	9	domestic	domestic	ADJ
fbem-8623	32	10	traditional	traditional	ADJ
fbem-8623	32	11	life	life	NOUN
fbem-8623	32	12	insurance	insurance	NOUN
fbem-8623	32	13	business	business	NOUN
fbem-8623	32	14	,	,	PUNCT
fbem-8623	32	15	the	the	DET
fbem-8623	32	16	ups	up	NOUN
fbem-8623	32	17	and	and	CCONJ
fbem-8623	32	18	downs	down	NOUN
fbem-8623	32	19	of	of	ADP
fbem-8623	32	20	investmentlinked	investmentlinke	VERB
fbem-8623	32	21	insurance	insurance	NOUN
fbem-8623	32	22	premium	premium	NOUN
fbem-8623	32	23	income	income	NOUN
fbem-8623	32	24	caused	cause	VERB
fbem-8623	32	25	by	by	ADP
fbem-8623	32	26	the	the	DET
fbem-8623	32	27	domestic	domestic	ADJ
fbem-8623	32	28	stock	stock	NOUN
fbem-8623	32	29	market	market	NOUN
fbem-8623	32	30	turmoil	turmoil	NOUN
fbem-8623	32	31	around	around	ADP
fbem-8623	32	32	2016	2016	NUM
fbem-8623	32	33	,	,	PUNCT
fbem-8623	32	34	and	and	CCONJ
fbem-8623	32	35	the	the	DET
fbem-8623	32	36	impact	impact	NOUN
fbem-8623	32	37	of	of	ADP
fbem-8623	32	38	covid19	covid19	NOUN
fbem-8623	32	39	on	on	ADP
fbem-8623	32	40	the	the	DET
fbem-8623	32	41	investment	investment	NOUN
fbem-8623	32	42	market	market	NOUN
fbem-8623	32	43	at	at	ADP
fbem-8623	32	44	the	the	DET
fbem-8623	32	45	end	end	NOUN
fbem-8623	32	46	of	of	ADP
fbem-8623	32	47	2019	2019	NUM
fbem-8623	32	48	have	have	AUX
fbem-8623	32	49	caused	cause	VERB
fbem-8623	32	50	the	the	DET
fbem-8623	32	51	sales	sale	NOUN
fbem-8623	32	52	side	side	NOUN
fbem-8623	32	53	of	of	ADP
fbem-8623	32	54	the	the	DET
fbem-8623	32	55	life	life	NOUN
fbem-8623	32	56	insurance	insurance	NOUN
fbem-8623	32	57	industry	industry	NOUN
fbem-8623	32	58	,	,	PUNCT
fbem-8623	32	59	including	include	VERB
fbem-8623	32	60	investment	investment	NOUN
fbem-8623	32	61	products	product	NOUN
fbem-8623	32	62	.	.	PUNCT
fbem-8623	33	1	the	the	DET
fbem-8623	33	2	decline	decline	NOUN
fbem-8623	33	3	in	in	ADP
fbem-8623	33	4	sales	sale	NOUN
fbem-8623	33	5	and	and	CCONJ
fbem-8623	33	6	investment	investment	NOUN
fbem-8623	33	7	costs	cost	NOUN
fbem-8623	33	8	and	and	CCONJ
fbem-8623	33	9	returns	return	NOUN
fbem-8623	33	10	on	on	ADP
fbem-8623	33	11	investment	investment	NOUN
fbem-8623	33	12	challenges	challenge	NOUN
fbem-8623	33	13	.	.	PUNCT
fbem-8623	34	1	based	base	VERB
fbem-8623	34	2	on	on	ADP
fbem-8623	34	3	the	the	DET
fbem-8623	34	4	overall	overall	ADJ
fbem-8623	34	5	practice	practice	NOUN
fbem-8623	34	6	of	of	ADP
fbem-8623	34	7	the	the	DET
fbem-8623	34	8	domestic	domestic	ADJ
fbem-8623	34	9	life	life	NOUN
fbem-8623	34	10	insurance	insurance	NOUN
fbem-8623	34	11	industry	industry	NOUN
fbem-8623	34	12	after	after	SCONJ
fbem-8623	34	13	the	the	DET
fbem-8623	34	14	central	central	ADJ
fbem-8623	34	15	bank	bank	NOUN
fbem-8623	34	16	lowered	lower	VERB
fbem-8623	34	17	the	the	DET
fbem-8623	34	18	deposit	deposit	NOUN
fbem-8623	34	19	and	and	CCONJ
fbem-8623	34	20	loan	loan	NOUN
fbem-8623	34	21	interest	interest	NOUN
fbem-8623	34	22	rates	rate	NOUN
fbem-8623	34	23	in	in	ADP
fbem-8623	34	24	the	the	DET
fbem-8623	34	25	past	past	ADJ
fbem-8623	34	26	few	few	ADJ
fbem-8623	34	27	years	year	NOUN
fbem-8623	34	28	,	,	PUNCT
fbem-8623	34	29	the	the	DET
fbem-8623	34	30	overall	overall	ADJ
fbem-8623	34	31	practice	practice	NOUN
fbem-8623	34	32	of	of	ADP
fbem-8623	34	33	the	the	DET
fbem-8623	34	34	domestic	domestic	ADJ
fbem-8623	34	35	life	life	NOUN
fbem-8623	34	36	insurance	insurance	NOUN
fbem-8623	34	37	industry	industry	NOUN
fbem-8623	34	38	has	have	AUX
fbem-8623	34	39	shown	show	VERB
fbem-8623	34	40	the	the	DET
fbem-8623	34	41	ability	ability	NOUN
fbem-8623	34	42	of	of	ADP
fbem-8623	34	43	the	the	DET
fbem-8623	34	44	enterprise	enterprise	NOUN
fbem-8623	34	45	's	's	PART
fbem-8623	34	46	asset	asset	NOUN
fbem-8623	34	47	-	-	PUNCT
fbem-8623	34	48	liability	liability	NOUN
fbem-8623	34	49	side	side	NOUN
fbem-8623	34	50	to	to	PART
fbem-8623	34	51	achieve	achieve	VERB
fbem-8623	34	52	a	a	DET
fbem-8623	34	53	smooth	smooth	ADJ
fbem-8623	34	54	transition	transition	NOUN
fbem-8623	34	55	.	.	PUNCT
fbem-8623	35	1	during	during	ADP
fbem-8623	35	2	the	the	DET
fbem-8623	35	3	period	period	NOUN
fbem-8623	35	4	,	,	PUNCT
fbem-8623	35	5	the	the	DET
fbem-8623	35	6	life	life	NOUN
fbem-8623	35	7	insurance	insurance	NOUN
fbem-8623	35	8	industry	industry	NOUN
fbem-8623	35	9	faced	face	VERB
fbem-8623	35	10	the	the	DET
fbem-8623	35	11	increasing	increase	VERB
fbem-8623	35	12	changes	change	NOUN
fbem-8623	35	13	brought	bring	VERB
fbem-8623	35	14	about	about	ADP
fbem-8623	35	15	by	by	ADP
fbem-8623	35	16	the	the	DET
fbem-8623	35	17	changes	change	NOUN
fbem-8623	35	18	in	in	ADP
fbem-8623	35	19	the	the	DET
fbem-8623	35	20	interest	interest	NOUN
fbem-8623	35	21	rate	rate	NOUN
fbem-8623	35	22	market	market	NOUN
fbem-8623	35	23	.	.	PUNCT
fbem-8623	36	1	the	the	DET
fbem-8623	36	2	national	national	ADJ
fbem-8623	36	3	financial	financial	ADJ
fbem-8623	36	4	regulatory	regulatory	ADJ
fbem-8623	36	5	authorities	authority	NOUN
fbem-8623	36	6	issued	issue	VERB
fbem-8623	36	7	to	to	PART
fbem-8623	36	8	broaden	broaden	VERB
fbem-8623	36	9	the	the	DET
fbem-8623	36	10	investment	investment	NOUN
fbem-8623	36	11	channels	channel	NOUN
fbem-8623	36	12	of	of	ADP
fbem-8623	36	13	insurance	insurance	NOUN
fbem-8623	36	14	funds	fund	NOUN
fbem-8623	36	15	for	for	ADP
fbem-8623	36	16	life	life	NOUN
fbem-8623	36	17	insurance	insurance	NOUN
fbem-8623	36	18	companies	company	NOUN
fbem-8623	36	19	,	,	PUNCT
fbem-8623	36	20	making	make	VERB
fbem-8623	36	21	the	the	DET
fbem-8623	36	22	industry	industry	NOUN
fbem-8623	36	23	have	have	VERB
fbem-8623	36	24	new	new	ADJ
fbem-8623	36	25	changes	change	NOUN
fbem-8623	36	26	in	in	ADP
fbem-8623	36	27	investment	investment	NOUN
fbem-8623	36	28	channels	channel	NOUN
fbem-8623	36	29	,	,	PUNCT
fbem-8623	36	30	and	and	CCONJ
fbem-8623	36	31	there	there	PRON
fbem-8623	36	32	are	be	VERB
fbem-8623	36	33	pilots	pilot	NOUN
fbem-8623	36	34	to	to	PART
fbem-8623	36	35	lead	lead	VERB
fbem-8623	36	36	regional	regional	ADJ
fbem-8623	36	37	or	or	CCONJ
fbem-8623	36	38	overall	overall	ADJ
fbem-8623	36	39	investment	investment	NOUN
fbem-8623	36	40	changes	change	NOUN
fbem-8623	36	41	.	.	PUNCT
fbem-8623	37	1	large	large	ADJ
fbem-8623	37	2	and	and	CCONJ
fbem-8623	37	3	medium	medium	ADJ
fbem-8623	37	4	-	-	PUNCT
fbem-8623	37	5	sized	sized	ADJ
fbem-8623	37	6	life	life	NOUN
fbem-8623	37	7	insurance	insurance	NOUN
fbem-8623	37	8	companies	company	NOUN
fbem-8623	37	9	are	be	AUX
fbem-8623	37	10	also	also	ADV
fbem-8623	37	11	actively	actively	ADV
fbem-8623	37	12	participating	participate	VERB
fbem-8623	37	13	in	in	ADP
fbem-8623	37	14	the	the	DET
fbem-8623	37	15	new	new	ADJ
fbem-8623	37	16	investment	investment	NOUN
fbem-8623	37	17	layout	layout	NOUN
fbem-8623	37	18	.	.	PUNCT
fbem-8623	38	1	at	at	ADP
fbem-8623	38	2	present	present	ADJ
fbem-8623	38	3	,	,	PUNCT
fbem-8623	38	4	china	china	PROPN
fbem-8623	38	5	is	be	AUX
fbem-8623	38	6	a	a	DET
fbem-8623	38	7	big	big	ADJ
fbem-8623	38	8	insurance	insurance	NOUN
fbem-8623	38	9	country	country	NOUN
fbem-8623	38	10	,	,	PUNCT
fbem-8623	38	11	but	but	CCONJ
fbem-8623	38	12	not	not	PART
fbem-8623	38	13	a	a	DET
fbem-8623	38	14	strong	strong	ADJ
fbem-8623	38	15	insurance	insurance	NOUN
fbem-8623	38	16	country	country	NOUN
fbem-8623	38	17	.	.	PUNCT
fbem-8623	39	1	from	from	ADP
fbem-8623	39	2	2017	2017	NUM
fbem-8623	39	3	to	to	ADP
fbem-8623	39	4	2019	2019	NUM
fbem-8623	39	5	,	,	PUNCT
fbem-8623	39	6	the	the	DET
fbem-8623	39	7	industry	industry	NOUN
fbem-8623	39	8	actively	actively	ADV
fbem-8623	39	9	or	or	CCONJ
fbem-8623	39	10	passively	passively	ADV
fbem-8623	39	11	adjusted	adjust	VERB
fbem-8623	39	12	the	the	DET
fbem-8623	39	13	scale	scale	NOUN
fbem-8623	39	14	contraction	contraction	NOUN
fbem-8623	39	15	structure	structure	NOUN
fbem-8623	39	16	optimization	optimization	NOUN
fbem-8623	39	17	.	.	PUNCT
fbem-8623	40	1	before	before	SCONJ
fbem-8623	40	2	the	the	DET
fbem-8623	40	3	demographic	demographic	ADJ
fbem-8623	40	4	dividend	dividend	NOUN
fbem-8623	40	5	disappeared	disappear	VERB
fbem-8623	40	6	,	,	PUNCT
fbem-8623	40	7	the	the	DET
fbem-8623	40	8	domestic	domestic	ADJ
fbem-8623	40	9	insurance	insurance	NOUN
fbem-8623	40	10	industry	industry	NOUN
fbem-8623	40	11	gradually	gradually	ADV
fbem-8623	40	12	began	begin	VERB
fbem-8623	40	13	to	to	PART
fbem-8623	40	14	reform	reform	VERB
fbem-8623	40	15	the	the	DET
fbem-8623	40	16	intermediary	intermediary	ADJ
fbem-8623	40	17	system	system	NOUN
fbem-8623	40	18	,	,	PUNCT
fbem-8623	40	19	the	the	DET
fbem-8623	40	20	innovation	innovation	NOUN
fbem-8623	40	21	of	of	ADP
fbem-8623	40	22	health	health	NOUN
fbem-8623	40	23	insurance	insurance	NOUN
fbem-8623	40	24	and	and	CCONJ
fbem-8623	40	25	investment	investment	NOUN
fbem-8623	40	26	insurance	insurance	NOUN
fbem-8623	40	27	,	,	PUNCT
fbem-8623	40	28	and	and	CCONJ
fbem-8623	40	29	the	the	DET
fbem-8623	40	30	change	change	NOUN
fbem-8623	40	31	of	of	ADP
fbem-8623	40	32	enterprise	enterprise	NOUN
fbem-8623	40	33	management	management	NOUN
fbem-8623	40	34	and	and	CCONJ
fbem-8623	40	35	supervision	supervision	NOUN
fbem-8623	40	36	system	system	NOUN
fbem-8623	40	37	.	.	PUNCT
fbem-8623	41	1	many	many	ADJ
fbem-8623	41	2	life	life	NOUN
fbem-8623	41	3	insurance	insurance	NOUN
fbem-8623	41	4	companies	company	NOUN
fbem-8623	41	5	have	have	AUX
fbem-8623	41	6	completed	complete	VERB
fbem-8623	41	7	the	the	DET
fbem-8623	41	8	optimization	optimization	NOUN
fbem-8623	41	9	of	of	ADP
fbem-8623	41	10	the	the	DET
fbem-8623	41	11	'	'	PUNCT
fbem-8623	41	12	insurance	insurance	NOUN
fbem-8623	41	13	+	+	CCONJ
fbem-8623	41	14	channel	channel	NOUN
fbem-8623	41	15	+	+	CCONJ
fbem-8623	41	16	term	term	NOUN
fbem-8623	41	17	'	'	PART
fbem-8623	41	18	structure	structure	NOUN
fbem-8623	41	19	,	,	PUNCT
fbem-8623	41	20	and	and	CCONJ
fbem-8623	41	21	the	the	DET
fbem-8623	41	22	prospect	prospect	NOUN
fbem-8623	41	23	growth	growth	NOUN
fbem-8623	41	24	is	be	AUX
fbem-8623	41	25	superior	superior	ADJ
fbem-8623	41	26	.	.	PUNCT
fbem-8623	42	1	2.2	2.2	NUM
fbem-8623	42	2	.	.	PUNCT
fbem-8623	43	1	environmental	environmental	ADJ
fbem-8623	43	2	sustainability	sustainability	NOUN
fbem-8623	43	3	analysis	analysis	NOUN
fbem-8623	43	4	of	of	ADP
fbem-8623	43	5	low	low	ADJ
fbem-8623	43	6	interest	interest	NOUN
fbem-8623	43	7	rate	rate	NOUN
fbem-8623	43	8	since	since	SCONJ
fbem-8623	43	9	the	the	DET
fbem-8623	43	10	1990	1990	NUM
fbem-8623	43	11	s	s	NOUN
fbem-8623	43	12	,	,	PUNCT
fbem-8623	43	13	the	the	DET
fbem-8623	43	14	low	low	ADJ
fbem-8623	43	15	interest	interest	NOUN
fbem-8623	43	16	rate	rate	NOUN
fbem-8623	43	17	environment	environment	NOUN
fbem-8623	43	18	in	in	ADP
fbem-8623	43	19	the	the	DET
fbem-8623	43	20	capital	capital	NOUN
fbem-8623	43	21	market	market	NOUN
fbem-8623	43	22	has	have	AUX
fbem-8623	43	23	become	become	VERB
fbem-8623	43	24	a	a	DET
fbem-8623	43	25	common	common	ADJ
fbem-8623	43	26	phenomenon	phenomenon	NOUN
fbem-8623	43	27	in	in	ADP
fbem-8623	43	28	the	the	DET
fbem-8623	43	29	development	development	NOUN
fbem-8623	43	30	of	of	ADP
fbem-8623	43	31	many	many	ADJ
fbem-8623	43	32	countries	country	NOUN
fbem-8623	43	33	in	in	ADP
fbem-8623	43	34	the	the	DET
fbem-8623	43	35	world	world	NOUN
fbem-8623	43	36	.	.	PUNCT
fbem-8623	44	1	some	some	DET
fbem-8623	44	2	scholars	scholar	NOUN
fbem-8623	44	3	have	have	AUX
fbem-8623	44	4	made	make	VERB
fbem-8623	44	5	a	a	DET
fbem-8623	44	6	comprehensive	comprehensive	ADJ
fbem-8623	44	7	explanation	explanation	NOUN
fbem-8623	44	8	of	of	ADP
fbem-8623	44	9	this	this	DET
fbem-8623	44	10	phenomenon	phenomenon	NOUN
fbem-8623	44	11	from	from	ADP
fbem-8623	44	12	the	the	DET
fbem-8623	44	13	real	real	ADJ
fbem-8623	44	14	economy	economy	NOUN
fbem-8623	44	15	,	,	PUNCT
fbem-8623	44	16	financial	financial	ADJ
fbem-8623	44	17	cycle	cycle	NOUN
fbem-8623	44	18	and	and	CCONJ
fbem-8623	44	19	monetary	monetary	ADJ
fbem-8623	44	20	policy	policy	NOUN
fbem-8623	44	21	.	.	PUNCT
fbem-8623	45	1	first	first	ADV
fbem-8623	45	2	,	,	PUNCT
fbem-8623	45	3	the	the	DET
fbem-8623	45	4	trend	trend	NOUN
fbem-8623	45	5	of	of	ADP
fbem-8623	45	6	global	global	ADJ
fbem-8623	45	7	total	total	ADJ
fbem-8623	45	8	savings	saving	NOUN
fbem-8623	45	9	exceeding	exceed	VERB
fbem-8623	45	10	total	total	ADJ
fbem-8623	45	11	investment	investment	NOUN
fbem-8623	45	12	at	at	ADP
fbem-8623	45	13	the	the	DET
fbem-8623	45	14	end	end	NOUN
fbem-8623	45	15	of	of	ADP
fbem-8623	45	16	the	the	DET
fbem-8623	45	17	last	last	ADJ
fbem-8623	45	18	century	century	NOUN
fbem-8623	45	19	determines	determine	VERB
fbem-8623	45	20	the	the	DET
fbem-8623	45	21	downward	downward	ADJ
fbem-8623	45	22	trend	trend	NOUN
fbem-8623	45	23	of	of	ADP
fbem-8623	45	24	global	global	ADJ
fbem-8623	45	25	natural	natural	ADJ
fbem-8623	45	26	interest	interest	NOUN
fbem-8623	45	27	rates	rate	NOUN
fbem-8623	45	28	.	.	PUNCT
fbem-8623	46	1	the	the	DET
fbem-8623	46	2	deterioration	deterioration	NOUN
fbem-8623	46	3	of	of	ADP
fbem-8623	46	4	population	population	NOUN
fbem-8623	46	5	structure	structure	NOUN
fbem-8623	46	6	and	and	CCONJ
fbem-8623	46	7	the	the	DET
fbem-8623	46	8	slowdown	slowdown	NOUN
fbem-8623	46	9	of	of	ADP
fbem-8623	46	10	technological	technological	ADJ
fbem-8623	46	11	progress	progress	NOUN
fbem-8623	46	12	constitute	constitute	VERB
fbem-8623	46	13	the	the	DET
fbem-8623	46	14	real	real	ADJ
fbem-8623	46	15	economic	economic	ADJ
fbem-8623	46	16	basis	basis	NOUN
fbem-8623	46	17	of	of	ADP
fbem-8623	46	18	the	the	DET
fbem-8623	46	19	global	global	ADJ
fbem-8623	46	20	natural	natural	ADJ
fbem-8623	46	21	interest	interest	NOUN
fbem-8623	46	22	rate	rate	NOUN
fbem-8623	46	23	decline	decline	NOUN
fbem-8623	46	24	.	.	PUNCT
fbem-8623	47	1	the	the	DET
fbem-8623	47	2	second	second	ADJ
fbem-8623	47	3	is	be	AUX
fbem-8623	47	4	the	the	DET
fbem-8623	47	5	excessive	excessive	ADJ
fbem-8623	47	6	financialization	financialization	NOUN
fbem-8623	47	7	of	of	ADP
fbem-8623	47	8	western	western	ADJ
fbem-8623	47	9	developed	develop	VERB
fbem-8623	47	10	economies	economy	NOUN
fbem-8623	47	11	and	and	CCONJ
fbem-8623	47	12	the	the	DET
fbem-8623	47	13	impact	impact	NOUN
fbem-8623	47	14	of	of	ADP
fbem-8623	47	15	the	the	DET
fbem-8623	47	16	real	real	ADJ
fbem-8623	47	17	economy	economy	NOUN
fbem-8623	47	18	.	.	PUNCT
fbem-8623	48	1	thirdly	thirdly	ADV
fbem-8623	48	2	,	,	PUNCT
fbem-8623	48	3	the	the	DET
fbem-8623	48	4	significant	significant	ADJ
fbem-8623	48	5	role	role	NOUN
fbem-8623	48	6	of	of	ADP
fbem-8623	48	7	the	the	DET
fbem-8623	48	8	monetary	monetary	ADJ
fbem-8623	48	9	policy	policy	NOUN
fbem-8623	48	10	controlled	control	VERB
fbem-8623	48	11	by	by	ADP
fbem-8623	48	12	the	the	DET
fbem-8623	48	13	central	central	ADJ
fbem-8623	48	14	government	government	NOUN
fbem-8623	48	15	in	in	ADP
fbem-8623	48	16	dealing	deal	VERB
fbem-8623	48	17	with	with	ADP
fbem-8623	48	18	the	the	DET
fbem-8623	48	19	economic	economic	ADJ
fbem-8623	48	20	crisis	crisis	NOUN
fbem-8623	48	21	has	have	AUX
fbem-8623	48	22	given	give	VERB
fbem-8623	48	23	rise	rise	NOUN
fbem-8623	48	24	to	to	ADP
fbem-8623	48	25	the	the	DET
fbem-8623	48	26	real	real	ADJ
fbem-8623	48	27	policy	policy	NOUN
fbem-8623	48	28	.	.	PUNCT
fbem-8623	49	1	some	some	DET
fbem-8623	49	2	scholars	scholar	NOUN
fbem-8623	49	3	believe	believe	VERB
fbem-8623	49	4	that	that	SCONJ
fbem-8623	49	5	it	it	PRON
fbem-8623	49	6	is	be	AUX
fbem-8623	49	7	affected	affect	VERB
fbem-8623	49	8	by	by	ADP
fbem-8623	49	9	neutral	neutral	ADJ
fbem-8623	49	10	interest	interest	NOUN
fbem-8623	49	11	rate	rate	NOUN
fbem-8623	49	12	,	,	PUNCT
fbem-8623	49	13	inflation	inflation	NOUN
fbem-8623	49	14	,	,	PUNCT
fbem-8623	49	15	term	term	NOUN
fbem-8623	49	16	premium	premium	NOUN
fbem-8623	49	17	and	and	CCONJ
fbem-8623	49	18	other	other	ADJ
fbem-8623	49	19	factors	factor	NOUN
fbem-8623	49	20	from	from	ADP
fbem-8623	49	21	the	the	DET
fbem-8623	49	22	perspective	perspective	NOUN
fbem-8623	49	23	of	of	ADP
fbem-8623	49	24	macro	macro	ADJ
fbem-8623	49	25	economy	economy	NOUN
fbem-8623	49	26	,	,	PUNCT
fbem-8623	49	27	and	and	CCONJ
fbem-8623	49	28	neutral	neutral	ADJ
fbem-8623	49	29	interest	interest	NOUN
fbem-8623	49	30	rate	rate	NOUN
fbem-8623	49	31	as	as	SCONJ
fbem-8623	49	32	the	the	DET
fbem-8623	49	33	main	main	ADJ
fbem-8623	49	34	factor	factor	NOUN
fbem-8623	49	35	is	be	AUX
fbem-8623	49	36	affected	affect	VERB
fbem-8623	49	37	by	by	ADP
fbem-8623	49	38	population	population	NOUN
fbem-8623	49	39	structure	structure	NOUN
fbem-8623	49	40	,	,	PUNCT
fbem-8623	49	41	income	income	NOUN
fbem-8623	49	42	distribution	distribution	NOUN
fbem-8623	49	43	,	,	PUNCT
fbem-8623	49	44	capital	capital	NOUN
fbem-8623	49	45	structure	structure	NOUN
fbem-8623	49	46	and	and	CCONJ
fbem-8623	49	47	technological	technological	ADJ
fbem-8623	49	48	progress	progress	NOUN
fbem-8623	49	49	.	.	PUNCT
fbem-8623	50	1	some	some	DET
fbem-8623	50	2	scholars	scholar	NOUN
fbem-8623	50	3	also	also	ADV
fbem-8623	50	4	believe	believe	VERB
fbem-8623	50	5	that	that	SCONJ
fbem-8623	50	6	the	the	DET
fbem-8623	50	7	long	long	ADJ
fbem-8623	50	8	-	-	PUNCT
fbem-8623	50	9	term	term	NOUN
fbem-8623	50	10	marginal	marginal	ADJ
fbem-8623	50	11	return	return	NOUN
fbem-8623	50	12	of	of	ADP
fbem-8623	50	13	capital	capital	NOUN
fbem-8623	50	14	and	and	CCONJ
fbem-8623	50	15	the	the	DET
fbem-8623	50	16	average	average	ADJ
fbem-8623	50	17	inflation	inflation	NOUN
fbem-8623	50	18	level	level	NOUN
fbem-8623	50	19	decline	decline	NOUN
fbem-8623	50	20	,	,	PUNCT
fbem-8623	50	21	resulting	result	VERB
fbem-8623	50	22	in	in	ADP
fbem-8623	50	23	a	a	DET
fbem-8623	50	24	long	long	ADJ
fbem-8623	50	25	-	-	PUNCT
fbem-8623	50	26	term	term	NOUN
fbem-8623	50	27	low	low	ADJ
fbem-8623	50	28	interest	interest	NOUN
fbem-8623	50	29	rate	rate	PROPN
fbem-8623	50	30	development	development	NOUN
fbem-8623	50	31	environment	environment	NOUN
fbem-8623	50	32	.	.	PUNCT
fbem-8623	51	1	in	in	ADP
fbem-8623	51	2	the	the	DET
fbem-8623	51	3	analysis	analysis	NOUN
fbem-8623	51	4	of	of	ADP
fbem-8623	51	5	the	the	DET
fbem-8623	51	6	sustainability	sustainability	NOUN
fbem-8623	51	7	of	of	ADP
fbem-8623	51	8	low	low	ADJ
fbem-8623	51	9	interest	interest	NOUN
fbem-8623	51	10	rate	rate	NOUN
fbem-8623	51	11	policy	policy	NOUN
fbem-8623	51	12	,	,	PUNCT
fbem-8623	51	13	the	the	DET
fbem-8623	51	14	low	low	ADJ
fbem-8623	51	15	interest	interest	NOUN
fbem-8623	51	16	rate	rate	NOUN
fbem-8623	51	17	environment	environment	NOUN
fbem-8623	51	18	continues	continue	VERB
fbem-8623	51	19	to	to	PART
fbem-8623	51	20	become	become	VERB
fbem-8623	51	21	the	the	DET
fbem-8623	51	22	mainstream	mainstream	NOUN
fbem-8623	51	23	thought	thought	NOUN
fbem-8623	51	24	at	at	ADP
fbem-8623	51	25	present	present	NOUN
fbem-8623	51	26	and	and	CCONJ
fbem-8623	51	27	in	in	ADP
fbem-8623	51	28	the	the	DET
fbem-8623	51	29	future	future	NOUN
fbem-8623	51	30	.	.	PUNCT
fbem-8623	52	1	in	in	ADP
fbem-8623	52	2	the	the	DET
fbem-8623	52	3	post	post	ADJ
fbem-8623	52	4	-	-	ADJ
fbem-8623	52	5	epidemic	epidemic	ADJ
fbem-8623	52	6	era	era	NOUN
fbem-8623	52	7	,	,	PUNCT
fbem-8623	52	8	countries	country	NOUN
fbem-8623	52	9	began	begin	VERB
fbem-8623	52	10	to	to	PART
fbem-8623	52	11	generally	generally	ADV
fbem-8623	52	12	restore	restore	VERB
fbem-8623	52	13	economic	economic	ADJ
fbem-8623	52	14	development	development	NOUN
fbem-8623	52	15	,	,	PUNCT
fbem-8623	52	16	and	and	CCONJ
fbem-8623	52	17	major	major	ADJ
fbem-8623	52	18	economies	economy	NOUN
fbem-8623	52	19	such	such	ADJ
fbem-8623	52	20	as	as	ADP
fbem-8623	52	21	europe	europe	PROPN
fbem-8623	52	22	,	,	PUNCT
fbem-8623	52	23	the	the	DET
fbem-8623	52	24	united	united	PROPN
fbem-8623	52	25	states	states	PROPN
fbem-8623	52	26	and	and	CCONJ
fbem-8623	52	27	japan	japan	PROPN
fbem-8623	52	28	achieved	achieve	VERB
fbem-8623	52	29	low	low	ADJ
fbem-8623	52	30	interest	interest	NOUN
fbem-8623	52	31	rates	rate	NOUN
fbem-8623	52	32	and	and	CCONJ
fbem-8623	52	33	quantitative	quantitative	ADJ
fbem-8623	52	34	easing	ease	VERB
fbem-8623	52	35	monetary	monetary	ADJ
fbem-8623	52	36	policy	policy	NOUN
fbem-8623	52	37	adjustments	adjustment	NOUN
fbem-8623	52	38	.	.	PUNCT
fbem-8623	53	1	with	with	ADP
fbem-8623	53	2	the	the	DET
fbem-8623	53	3	guidance	guidance	NOUN
fbem-8623	53	4	of	of	ADP
fbem-8623	53	5	a	a	DET
fbem-8623	53	6	new	new	ADJ
fbem-8623	53	7	round	round	NOUN
fbem-8623	53	8	of	of	ADP
fbem-8623	53	9	development	development	NOUN
fbem-8623	53	10	planning	planning	NOUN
fbem-8623	53	11	in	in	ADP
fbem-8623	53	12	china	china	PROPN
fbem-8623	53	13	,	,	PUNCT
fbem-8623	53	14	the	the	DET
fbem-8623	53	15	country	country	NOUN
fbem-8623	53	16	's	's	PART
fbem-8623	53	17	emphasis	emphasis	NOUN
fbem-8623	53	18	on	on	ADP
fbem-8623	53	19	the	the	DET
fbem-8623	53	20	14th	14th	ADJ
fbem-8623	53	21	five	five	NUM
fbem-8623	53	22	-	-	PUNCT
fbem-8623	53	23	year	year	NOUN
fbem-8623	53	24	plan	plan	NOUN
fbem-8623	53	25	and	and	CCONJ
fbem-8623	53	26	modernization	modernization	NOUN
fbem-8623	53	27	,	,	PUNCT
fbem-8623	53	28	and	and	CCONJ
fbem-8623	53	29	the	the	DET
fbem-8623	53	30	aggravation	aggravation	NOUN
fbem-8623	53	31	of	of	ADP
fbem-8623	53	32	the	the	DET
fbem-8623	53	33	aging	age	VERB
fbem-8623	53	34	population	population	NOUN
fbem-8623	53	35	,	,	PUNCT
fbem-8623	53	36	economic	economic	ADJ
fbem-8623	53	37	restructuring	restructuring	NOUN
fbem-8623	53	38	is	be	AUX
fbem-8623	53	39	facing	face	VERB
fbem-8623	53	40	challenges	challenge	NOUN
fbem-8623	53	41	,	,	PUNCT
fbem-8623	53	42	stimulating	stimulate	VERB
fbem-8623	53	43	economic	economic	ADJ
fbem-8623	53	44	development	development	NOUN
fbem-8623	53	45	,	,	PUNCT
fbem-8623	53	46	and	and	CCONJ
fbem-8623	53	47	stimulating	stimulate	VERB
fbem-8623	53	48	endogenous	endogenous	ADJ
fbem-8623	53	49	power	power	NOUN
fbem-8623	53	50	has	have	AUX
fbem-8623	53	51	become	become	VERB
fbem-8623	53	52	the	the	DET
fbem-8623	53	53	main	main	ADJ
fbem-8623	53	54	idea	idea	NOUN
fbem-8623	53	55	.	.	PUNCT
fbem-8623	54	1	the	the	DET
fbem-8623	54	2	low	low	ADJ
fbem-8623	54	3	interest	interest	NOUN
fbem-8623	54	4	rate	rate	NOUN
fbem-8623	54	5	environment	environment	NOUN
fbem-8623	54	6	will	will	AUX
fbem-8623	54	7	continue	continue	VERB
fbem-8623	54	8	for	for	ADP
fbem-8623	54	9	a	a	DET
fbem-8623	54	10	long	long	ADJ
fbem-8623	54	11	time	time	NOUN
fbem-8623	54	12	.	.	PUNCT
fbem-8623	55	1	3	3	X
fbem-8623	55	2	.	.	X
fbem-8623	55	3	the	the	DET
fbem-8623	55	4	impact	impact	NOUN
fbem-8623	55	5	of	of	ADP
fbem-8623	55	6	sustained	sustained	ADJ
fbem-8623	55	7	low	low	ADJ
fbem-8623	55	8	interest	interest	NOUN
fbem-8623	55	9	rate	rate	NOUN
fbem-8623	55	10	environment	environment	NOUN
fbem-8623	55	11	on	on	ADP
fbem-8623	55	12	life	life	NOUN
fbem-8623	55	13	insurance	insurance	NOUN
fbem-8623	55	14	companies	company	NOUN
fbem-8623	55	15	3.1	3.1	NUM
fbem-8623	55	16	.	.	PUNCT
fbem-8623	56	1	the	the	DET
fbem-8623	56	2	impact	impact	NOUN
fbem-8623	56	3	on	on	ADP
fbem-8623	56	4	the	the	DET
fbem-8623	56	5	pricing	pricing	NOUN
fbem-8623	56	6	mechanism	mechanism	NOUN
fbem-8623	56	7	of	of	ADP
fbem-8623	56	8	life	life	NOUN
fbem-8623	56	9	insurance	insurance	NOUN
fbem-8623	56	10	products	product	NOUN
fbem-8623	56	11	the	the	DET
fbem-8623	56	12	essence	essence	NOUN
fbem-8623	56	13	of	of	ADP
fbem-8623	56	14	insurance	insurance	NOUN
fbem-8623	56	15	is	be	AUX
fbem-8623	56	16	to	to	PART
fbem-8623	56	17	use	use	VERB
fbem-8623	56	18	the	the	DET
fbem-8623	56	19	law	law	NOUN
fbem-8623	56	20	of	of	ADP
fbem-8623	56	21	large	large	ADJ
fbem-8623	56	22	numbers	number	NOUN
fbem-8623	56	23	to	to	PART
fbem-8623	56	24	collect	collect	VERB
fbem-8623	56	25	most	most	ADV
fbem-8623	56	26	homogeneous	homogeneous	ADJ
fbem-8623	56	27	risks	risk	NOUN
fbem-8623	56	28	for	for	ADP
fbem-8623	56	29	unified	unified	ADJ
fbem-8623	56	30	management	management	NOUN
fbem-8623	56	31	.	.	PUNCT
fbem-8623	57	1	in	in	ADP
fbem-8623	57	2	the	the	DET
fbem-8623	57	3	form	form	NOUN
fbem-8623	57	4	of	of	ADP
fbem-8623	57	5	a	a	DET
fbem-8623	57	6	contract	contract	NOUN
fbem-8623	57	7	,	,	PUNCT
fbem-8623	57	8	the	the	DET
fbem-8623	57	9	insurer	insurer	NOUN
fbem-8623	57	10	collects	collect	VERB
fbem-8623	57	11	premiums	premium	NOUN
fbem-8623	57	12	from	from	ADP
fbem-8623	57	13	the	the	DET
fbem-8623	57	14	risk	risk	NOUN
fbem-8623	57	15	transferor	transferor	NOUN
fbem-8623	57	16	and	and	CCONJ
fbem-8623	57	17	retains	retain	VERB
fbem-8623	57	18	them	they	PRON
fbem-8623	57	19	in	in	ADP
fbem-8623	57	20	the	the	DET
fbem-8623	57	21	insurance	insurance	NOUN
fbem-8623	57	22	company	company	NOUN
fbem-8623	57	23	as	as	ADP
fbem-8623	57	24	a	a	DET
fbem-8623	57	25	preparation	preparation	NOUN
fbem-8623	57	26	for	for	ADP
fbem-8623	57	27	future	future	ADJ
fbem-8623	57	28	payment	payment	NOUN
fbem-8623	57	29	.	.	PUNCT
fbem-8623	58	1	for	for	ADP
fbem-8623	58	2	long	long	ADJ
fbem-8623	58	3	-	-	PUNCT
fbem-8623	58	4	term	term	NOUN
fbem-8623	58	5	life	life	NOUN
fbem-8623	58	6	insurance	insurance	NOUN
fbem-8623	58	7	,	,	PUNCT
fbem-8623	58	8	there	there	PRON
fbem-8623	58	9	is	be	VERB
fbem-8623	58	10	a	a	DET
fbem-8623	58	11	time	time	NOUN
fbem-8623	58	12	difference	difference	NOUN
fbem-8623	58	13	between	between	ADP
fbem-8623	58	14	the	the	DET
fbem-8623	58	15	collection	collection	NOUN
fbem-8623	58	16	of	of	ADP
fbem-8623	58	17	premiums	premium	NOUN
fbem-8623	58	18	and	and	CCONJ
fbem-8623	58	19	the	the	DET
fbem-8623	58	20	payment	payment	NOUN
fbem-8623	58	21	of	of	ADP
fbem-8623	58	22	insurance	insurance	NOUN
fbem-8623	58	23	amounts	amount	NOUN
fbem-8623	58	24	.	.	PUNCT
fbem-8623	59	1	insurance	insurance	NOUN
fbem-8623	59	2	companies	company	NOUN
fbem-8623	59	3	must	must	AUX
fbem-8623	59	4	maintain	maintain	VERB
fbem-8623	59	5	and	and	CCONJ
fbem-8623	59	6	increase	increase	VERB
fbem-8623	59	7	the	the	DET
fbem-8623	59	8	value	value	NOUN
fbem-8623	59	9	of	of	ADP
fbem-8623	59	10	assets	asset	NOUN
fbem-8623	59	11	through	through	ADP
fbem-8623	59	12	the	the	DET
fbem-8623	59	13	use	use	NOUN
fbem-8623	59	14	of	of	ADP
fbem-8623	59	15	funds	fund	NOUN
fbem-8623	59	16	and	and	CCONJ
fbem-8623	59	17	premium	premium	NOUN
fbem-8623	59	18	income	income	NOUN
fbem-8623	59	19	to	to	PART
fbem-8623	59	20	bear	bear	VERB
fbem-8623	59	21	the	the	DET
fbem-8623	59	22	uncertain	uncertain	ADJ
fbem-8623	59	23	insurance	insurance	NOUN
fbem-8623	59	24	compensation	compensation	NOUN
fbem-8623	59	25	paid	pay	VERB
fbem-8623	59	26	by	by	ADP
fbem-8623	59	27	prior	prior	ADJ
fbem-8623	59	28	commitment	commitment	NOUN
fbem-8623	59	29	to	to	ADP
fbem-8623	59	30	risk	risk	NOUN
fbem-8623	59	31	transfer	transfer	NOUN
fbem-8623	59	32	.	.	PUNCT
fbem-8623	60	1	actuarial	actuarial	ADJ
fbem-8623	60	2	refers	refer	VERB
fbem-8623	60	3	to	to	ADP
fbem-8623	60	4	the	the	DET
fbem-8623	60	5	use	use	NOUN
fbem-8623	60	6	of	of	ADP
fbem-8623	60	7	modern	modern	ADJ
fbem-8623	60	8	mathematics	mathematic	NOUN
fbem-8623	60	9	,	,	PUNCT
fbem-8623	60	10	statistics	statistic	NOUN
fbem-8623	60	11	,	,	PUNCT
fbem-8623	60	12	finance	finance	NOUN
fbem-8623	60	13	,	,	PUNCT
fbem-8623	60	14	law	law	NOUN
fbem-8623	60	15	and	and	CCONJ
fbem-8623	60	16	other	other	ADJ
fbem-8623	60	17	scientific	scientific	ADJ
fbem-8623	60	18	and	and	CCONJ
fbem-8623	60	19	effective	effective	ADJ
fbem-8623	60	20	methods	method	NOUN
fbem-8623	60	21	to	to	PART
fbem-8623	60	22	analyze	analyze	VERB
fbem-8623	60	23	,	,	PUNCT
fbem-8623	60	24	measure	measure	NOUN
fbem-8623	60	25	and	and	CCONJ
fbem-8623	60	26	evaluate	evaluate	VERB
fbem-8623	60	27	the	the	DET
fbem-8623	60	28	potential	potential	ADJ
fbem-8623	60	29	risks	risk	NOUN
fbem-8623	60	30	in	in	ADP
fbem-8623	60	31	economic	economic	ADJ
fbem-8623	60	32	activities	activity	NOUN
fbem-8623	60	33	based	base	VERB
fbem-8623	60	34	on	on	ADP
fbem-8623	60	35	the	the	DET
fbem-8623	60	36	basic	basic	ADJ
fbem-8623	60	37	principles	principle	NOUN
fbem-8623	60	38	of	of	ADP
fbem-8623	60	39	economics	economic	NOUN
fbem-8623	60	40	.	.	PUNCT
fbem-8623	61	1	the	the	DET
fbem-8623	61	2	traditional	traditional	ADJ
fbem-8623	61	3	life	life	NOUN
fbem-8623	61	4	insurance	insurance	NOUN
fbem-8623	61	5	actuarial	actuarial	ADJ
fbem-8623	61	6	model	model	NOUN
fbem-8623	61	7	calculates	calculate	VERB
fbem-8623	61	8	the	the	DET
fbem-8623	61	9	premium	premium	NOUN
fbem-8623	61	10	of	of	ADP
fbem-8623	61	11	insurance	insurance	NOUN
fbem-8623	61	12	by	by	ADP
fbem-8623	61	13	determining	determine	VERB
fbem-8623	61	14	the	the	DET
fbem-8623	61	15	predetermined	predetermined	ADJ
fbem-8623	61	16	mortality	mortality	NOUN
fbem-8623	61	17	rate	rate	NOUN
fbem-8623	61	18	,	,	PUNCT
fbem-8623	61	19	predetermined	predetermine	VERB
fbem-8623	61	20	interest	interest	NOUN
fbem-8623	61	21	rate	rate	NOUN
fbem-8623	61	22	and	and	CCONJ
fbem-8623	61	23	predetermined	predetermine	VERB
fbem-8623	61	24	rate	rate	NOUN
fbem-8623	61	25	in	in	ADP
fbem-8623	61	26	advance	advance	NOUN
fbem-8623	61	27	.	.	PUNCT
fbem-8623	62	1	taking	take	VERB
fbem-8623	62	2	one	one	NUM
fbem-8623	62	3	year	year	NOUN
fbem-8623	62	4	regular	regular	ADJ
fbem-8623	62	5	death	death	NOUN
fbem-8623	62	6	life	life	NOUN
fbem-8623	62	7	insurance	insurance	NOUN
fbem-8623	62	8	as	as	ADP
fbem-8623	62	9	an	an	DET
fbem-8623	62	10	example	example	NOUN
fbem-8623	62	11	,	,	PUNCT
fbem-8623	62	12	life	life	NOUN
fbem-8623	62	13	insurance	insurance	NOUN
fbem-8623	62	14	companies	company	NOUN
fbem-8623	62	15	predict	predict	VERB
fbem-8623	62	16	the	the	DET
fbem-8623	62	17	mortality	mortality	NOUN
fbem-8623	62	18	rate	rate	NOUN
fbem-8623	62	19	of	of	ADP
fbem-8623	62	20	the	the	DET
fbem-8623	62	21	population	population	NOUN
fbem-8623	62	22	in	in	ADP
fbem-8623	62	23	the	the	DET
fbem-8623	62	24	current	current	ADJ
fbem-8623	62	25	year	year	NOUN
fbem-8623	62	26	on	on	ADP
fbem-8623	62	27	the	the	DET
fbem-8623	62	28	basis	basis	NOUN
fbem-8623	62	29	of	of	ADP
fbem-8623	62	30	the	the	DET
fbem-8623	62	31	life	life	NOUN
fbem-8623	62	32	table	table	NOUN
fbem-8623	62	33	,	,	PUNCT
fbem-8623	62	34	and	and	CCONJ
fbem-8623	62	35	charge	charge	VERB
fbem-8623	62	36	premiums	premium	NOUN
fbem-8623	62	37	as	as	ADP
fbem-8623	62	38	a	a	DET
fbem-8623	62	39	proportion	proportion	NOUN
fbem-8623	62	40	of	of	ADP
fbem-8623	62	41	the	the	DET
fbem-8623	62	42	insurance	insurance	NOUN
fbem-8623	62	43	amount	amount	NOUN
fbem-8623	62	44	,	,	PUNCT
fbem-8623	62	45	which	which	PRON
fbem-8623	62	46	is	be	AUX
fbem-8623	62	47	natural	natural	ADJ
fbem-8623	62	48	premium	premium	NOUN
fbem-8623	62	49	.	.	PUNCT
fbem-8623	63	1	for	for	ADP
fbem-8623	63	2	term	term	NOUN
fbem-8623	63	3	death	death	NOUN
fbem-8623	63	4	insurance	insurance	NOUN
fbem-8623	63	5	and	and	CCONJ
fbem-8623	63	6	lifetime	lifetime	NOUN
fbem-8623	63	7	death	death	NOUN
fbem-8623	63	8	insurance	insurance	NOUN
fbem-8623	63	9	,	,	PUNCT
fbem-8623	63	10	assuming	assume	VERB
fbem-8623	63	11	that	that	SCONJ
fbem-8623	63	12	customers	customer	NOUN
fbem-8623	63	13	pay	pay	VERB
fbem-8623	63	14	premiums	premium	NOUN
fbem-8623	63	15	in	in	ADP
fbem-8623	63	16	an	an	DET
fbem-8623	63	17	annual	annual	ADJ
fbem-8623	63	18	manner	manner	NOUN
fbem-8623	63	19	,	,	PUNCT
fbem-8623	63	20	the	the	DET
fbem-8623	63	21	annual	annual	ADJ
fbem-8623	63	22	premiums	premium	NOUN
fbem-8623	63	23	charged	charge	VERB
fbem-8623	63	24	by	by	ADP
fbem-8623	63	25	life	life	NOUN
fbem-8623	63	26	insurance	insurance	NOUN
fbem-8623	63	27	companies	company	NOUN
fbem-8623	63	28	are	be	AUX
fbem-8623	63	29	based	base	VERB
fbem-8623	63	30	on	on	ADP
fbem-8623	63	31	a	a	DET
fbem-8623	63	32	comprehensive	comprehensive	ADJ
fbem-8623	63	33	calculation	calculation	NOUN
fbem-8623	63	34	of	of	ADP
fbem-8623	63	35	the	the	DET
fbem-8623	63	36	predetermined	predetermined	ADJ
fbem-8623	63	37	mortality	mortality	NOUN
fbem-8623	63	38	rate	rate	NOUN
fbem-8623	63	39	,	,	PUNCT
fbem-8623	63	40	the	the	DET
fbem-8623	63	41	predetermined	predetermine	VERB
fbem-8623	63	42	cost	cost	NOUN
fbem-8623	63	43	rate	rate	NOUN
fbem-8623	63	44	,	,	PUNCT
fbem-8623	63	45	the	the	DET
fbem-8623	63	46	predetermined	predetermine	VERB
fbem-8623	63	47	interest	interest	NOUN
fbem-8623	63	48	rate	rate	NOUN
fbem-8623	63	49	and	and	CCONJ
fbem-8623	63	50	the	the	DET
fbem-8623	63	51	additional	additional	ADJ
fbem-8623	63	52	cost	cost	NOUN
fbem-8623	63	53	.	.	PUNCT
fbem-8623	64	1	in	in	ADP
fbem-8623	64	2	the	the	DET
fbem-8623	64	3	case	case	NOUN
fbem-8623	64	4	of	of	ADP
fbem-8623	64	5	other	other	ADJ
fbem-8623	64	6	fixed	fix	VERB
fbem-8623	64	7	conditions	condition	NOUN
fbem-8623	64	8	,	,	PUNCT
fbem-8623	64	9	it	it	PRON
fbem-8623	64	10	can	can	AUX
fbem-8623	64	11	also	also	ADV
fbem-8623	64	12	be	be	AUX
fbem-8623	64	13	understood	understand	VERB
fbem-8623	64	14	as	as	ADP
fbem-8623	64	15	the	the	DET
fbem-8623	64	16	insurance	insurance	NOUN
fbem-8623	64	17	amount	amount	NOUN
fbem-8623	64	18	obtained	obtain	VERB
fbem-8623	64	19	by	by	ADP
fbem-8623	64	20	the	the	DET
fbem-8623	64	21	net	net	ADJ
fbem-8623	64	22	premium	premium	NOUN
fbem-8623	64	23	paid	pay	VERB
fbem-8623	64	24	by	by	ADP
fbem-8623	64	25	the	the	DET
fbem-8623	64	26	customer	customer	NOUN
fbem-8623	64	27	each	each	DET
fbem-8623	64	28	year	year	NOUN
fbem-8623	64	29	through	through	ADP
fbem-8623	64	30	compound	compound	NOUN
fbem-8623	64	31	interest	interest	NOUN
fbem-8623	64	32	accumulation	accumulation	NOUN
fbem-8623	64	33	.	.	PUNCT
fbem-8623	65	1	3.2	3.2	NUM
fbem-8623	65	2	.	.	PUNCT
fbem-8623	66	1	the	the	DET
fbem-8623	66	2	impact	impact	NOUN
fbem-8623	66	3	on	on	ADP
fbem-8623	66	4	the	the	DET
fbem-8623	66	5	pricing	pricing	NOUN
fbem-8623	66	6	mechanism	mechanism	NOUN
fbem-8623	66	7	of	of	ADP
fbem-8623	66	8	life	life	NOUN
fbem-8623	66	9	insurance	insurance	NOUN
fbem-8623	66	10	products	product	NOUN
fbem-8623	66	11	the	the	DET
fbem-8623	66	12	operating	operate	VERB
fbem-8623	66	13	profit	profit	NOUN
fbem-8623	66	14	of	of	ADP
fbem-8623	66	15	life	life	NOUN
fbem-8623	66	16	insurance	insurance	NOUN
fbem-8623	66	17	companies	company	NOUN
fbem-8623	66	18	is	be	AUX
fbem-8623	66	19	mainly	mainly	ADV
fbem-8623	66	20	obtained	obtain	VERB
fbem-8623	66	21	from	from	ADP
fbem-8623	66	22	premium	premium	ADJ
fbem-8623	66	23	income	income	NOUN
fbem-8623	66	24	and	and	CCONJ
fbem-8623	66	25	investment	investment	NOUN
fbem-8623	66	26	income	income	NOUN
fbem-8623	66	27	.	.	PUNCT
fbem-8623	67	1	in	in	ADP
fbem-8623	67	2	the	the	DET
fbem-8623	67	3	case	case	NOUN
fbem-8623	67	4	of	of	ADP
fbem-8623	67	5	unchanged	unchanged	ADJ
fbem-8623	67	6	sales	sale	NOUN
fbem-8623	67	7	business	business	NOUN
fbem-8623	67	8	,	,	PUNCT
fbem-8623	67	9	the	the	DET
fbem-8623	67	10	low	low	ADJ
fbem-8623	67	11	interest	interest	NOUN
fbem-8623	67	12	rate	rate	NOUN
fbem-8623	67	13	environment	environment	NOUN
fbem-8623	67	14	brings	bring	VERB
fbem-8623	67	15	the	the	DET
fbem-8623	67	16	dual	dual	ADJ
fbem-8623	67	17	challenges	challenge	NOUN
fbem-8623	67	18	of	of	ADP
fbem-8623	67	19	cost	cost	NOUN
fbem-8623	67	20	control	control	NOUN
fbem-8623	67	21	and	and	CCONJ
fbem-8623	67	22	profit	profit	NOUN
fbem-8623	67	23	increase	increase	NOUN
fbem-8623	67	24	to	to	ADP
fbem-8623	67	25	the	the	DET
fbem-8623	67	26	operation	operation	NOUN
fbem-8623	67	27	of	of	ADP
fbem-8623	67	28	life	life	NOUN
fbem-8623	67	29	insurance	insurance	NOUN
fbem-8623	67	30	companies	company	NOUN
fbem-8623	67	31	.	.	PUNCT
fbem-8623	68	1	the	the	DET
fbem-8623	68	2	premium	premium	NOUN
fbem-8623	68	3	refers	refer	VERB
fbem-8623	68	4	to	to	ADP
fbem-8623	68	5	the	the	DET
fbem-8623	68	6	cost	cost	NOUN
fbem-8623	68	7	charged	charge	VERB
fbem-8623	68	8	by	by	ADP
fbem-8623	68	9	the	the	DET
fbem-8623	68	10	insurance	insurance	NOUN
fbem-8623	68	11	company	company	NOUN
fbem-8623	68	12	to	to	PART
fbem-8623	68	13	sell	sell	VERB
fbem-8623	68	14	insurance	insurance	NOUN
fbem-8623	68	15	to	to	ADP
fbem-8623	68	16	the	the	DET
fbem-8623	68	17	customer	customer	NOUN
fbem-8623	68	18	and	and	CCONJ
fbem-8623	68	19	promise	promise	NOUN
fbem-8623	68	20	to	to	ADP
fbem-8623	68	21	205	205	NUM
fbem-8623	68	22	transfer	transfer	VERB
fbem-8623	68	23	the	the	DET
fbem-8623	68	24	uncertain	uncertain	ADJ
fbem-8623	68	25	risks	risk	NOUN
fbem-8623	68	26	faced	face	VERB
fbem-8623	68	27	by	by	ADP
fbem-8623	68	28	the	the	DET
fbem-8623	68	29	customer	customer	NOUN
fbem-8623	68	30	.	.	PUNCT
fbem-8623	69	1	the	the	DET
fbem-8623	69	2	premium	premium	NOUN
fbem-8623	69	3	is	be	AUX
fbem-8623	69	4	composed	compose	VERB
fbem-8623	69	5	of	of	ADP
fbem-8623	69	6	pure	pure	ADJ
fbem-8623	69	7	premium	premium	NOUN
fbem-8623	69	8	and	and	CCONJ
fbem-8623	69	9	additional	additional	ADJ
fbem-8623	69	10	premium	premium	NOUN
fbem-8623	69	11	.	.	PUNCT
fbem-8623	70	1	the	the	DET
fbem-8623	70	2	pure	pure	ADJ
fbem-8623	70	3	premium	premium	NOUN
fbem-8623	70	4	is	be	AUX
fbem-8623	70	5	the	the	DET
fbem-8623	70	6	insurance	insurance	NOUN
fbem-8623	70	7	cost	cost	NOUN
fbem-8623	70	8	,	,	PUNCT
fbem-8623	70	9	and	and	CCONJ
fbem-8623	70	10	the	the	DET
fbem-8623	70	11	life	life	NOUN
fbem-8623	70	12	insurance	insurance	NOUN
fbem-8623	70	13	company	company	NOUN
fbem-8623	70	14	extracts	extract	VERB
fbem-8623	70	15	the	the	DET
fbem-8623	70	16	liability	liability	NOUN
fbem-8623	70	17	reserve	reserve	NOUN
fbem-8623	70	18	from	from	ADP
fbem-8623	70	19	it	it	PRON
fbem-8623	70	20	as	as	ADP
fbem-8623	70	21	the	the	DET
fbem-8623	70	22	due	due	ADJ
fbem-8623	70	23	payment	payment	NOUN
fbem-8623	70	24	or	or	CCONJ
fbem-8623	70	25	the	the	DET
fbem-8623	70	26	insurance	insurance	NOUN
fbem-8623	70	27	amount	amount	NOUN
fbem-8623	70	28	payment	payment	NOUN
fbem-8623	70	29	after	after	SCONJ
fbem-8623	70	30	the	the	DET
fbem-8623	70	31	insurance	insurance	NOUN
fbem-8623	70	32	accident	accident	NOUN
fbem-8623	70	33	occurs	occur	VERB
fbem-8623	70	34	.	.	PUNCT
fbem-8623	71	1	the	the	DET
fbem-8623	71	2	additional	additional	ADJ
fbem-8623	71	3	premium	premium	NOUN
fbem-8623	71	4	refers	refer	VERB
fbem-8623	71	5	to	to	ADP
fbem-8623	71	6	the	the	DET
fbem-8623	71	7	additional	additional	ADJ
fbem-8623	71	8	calculation	calculation	NOUN
fbem-8623	71	9	of	of	ADP
fbem-8623	71	10	the	the	DET
fbem-8623	71	11	agent	agent	NOUN
fbem-8623	71	12	's	's	PART
fbem-8623	71	13	commission	commission	NOUN
fbem-8623	71	14	by	by	ADP
fbem-8623	71	15	the	the	DET
fbem-8623	71	16	insurance	insurance	NOUN
fbem-8623	71	17	company	company	NOUN
fbem-8623	71	18	,	,	PUNCT
fbem-8623	71	19	and	and	CCONJ
fbem-8623	71	20	the	the	DET
fbem-8623	71	21	cost	cost	NOUN
fbem-8623	71	22	of	of	ADP
fbem-8623	71	23	the	the	DET
fbem-8623	71	24	policy	policy	NOUN
fbem-8623	71	25	maintenance.in	maintenance.in	VERB
fbem-8623	71	26	the	the	DET
fbem-8623	71	27	process	process	NOUN
fbem-8623	71	28	of	of	ADP
fbem-8623	71	29	formulating	formulate	VERB
fbem-8623	71	30	life	life	NOUN
fbem-8623	71	31	insurance	insurance	NOUN
fbem-8623	71	32	rates	rate	NOUN
fbem-8623	71	33	,	,	PUNCT
fbem-8623	71	34	insurance	insurance	NOUN
fbem-8623	71	35	companies	company	NOUN
fbem-8623	71	36	usually	usually	ADV
fbem-8623	71	37	plan	plan	VERB
fbem-8623	71	38	to	to	PART
fbem-8623	71	39	take	take	VERB
fbem-8623	71	40	a	a	DET
fbem-8623	71	41	higher	high	ADJ
fbem-8623	71	42	predetermined	predetermined	ADJ
fbem-8623	71	43	interest	interest	NOUN
fbem-8623	71	44	rate	rate	NOUN
fbem-8623	71	45	,	,	PUNCT
fbem-8623	71	46	predetermined	predetermine	VERB
fbem-8623	71	47	mortality	mortality	NOUN
fbem-8623	71	48	rate	rate	NOUN
fbem-8623	71	49	and	and	CCONJ
fbem-8623	71	50	predetermined	predetermine	VERB
fbem-8623	71	51	cost	cost	NOUN
fbem-8623	71	52	rate	rate	NOUN
fbem-8623	71	53	,	,	PUNCT
fbem-8623	71	54	and	and	CCONJ
fbem-8623	71	55	the	the	DET
fbem-8623	71	56	underwriting	underwriting	NOUN
fbem-8623	71	57	business	business	NOUN
fbem-8623	71	58	income	income	NOUN
fbem-8623	71	59	of	of	ADP
fbem-8623	71	60	insurance	insurance	NOUN
fbem-8623	71	61	companies	company	NOUN
fbem-8623	71	62	comes	come	VERB
fbem-8623	71	63	from	from	ADP
fbem-8623	71	64	the	the	DET
fbem-8623	71	65	difference	difference	NOUN
fbem-8623	71	66	between	between	ADP
fbem-8623	71	67	premiums	premium	NOUN
fbem-8623	71	68	and	and	CCONJ
fbem-8623	71	69	claims	claim	NOUN
fbem-8623	71	70	,	,	PUNCT
fbem-8623	71	71	as	as	ADV
fbem-8623	71	72	well	well	ADV
fbem-8623	71	73	as	as	ADP
fbem-8623	71	74	a	a	DET
fbem-8623	71	75	small	small	ADJ
fbem-8623	71	76	part	part	NOUN
fbem-8623	71	77	of	of	ADP
fbem-8623	71	78	other	other	ADJ
fbem-8623	71	79	income	income	NOUN
fbem-8623	71	80	such	such	ADJ
fbem-8623	71	81	as	as	ADP
fbem-8623	71	82	surrender	surrender	NOUN
fbem-8623	71	83	income	income	NOUN
fbem-8623	71	84	.	.	PUNCT
fbem-8623	72	1	although	although	SCONJ
fbem-8623	72	2	insurance	insurance	NOUN
fbem-8623	72	3	product	product	NOUN
fbem-8623	72	4	sales	sale	NOUN
fbem-8623	72	5	are	be	AUX
fbem-8623	72	6	the	the	DET
fbem-8623	72	7	main	main	ADJ
fbem-8623	72	8	business	business	NOUN
fbem-8623	72	9	of	of	ADP
fbem-8623	72	10	insurance	insurance	NOUN
fbem-8623	72	11	companies	company	NOUN
fbem-8623	72	12	,	,	PUNCT
fbem-8623	72	13	insurance	insurance	NOUN
fbem-8623	72	14	investment	investment	NOUN
fbem-8623	72	15	has	have	AUX
fbem-8623	72	16	gradually	gradually	ADV
fbem-8623	72	17	become	become	VERB
fbem-8623	72	18	the	the	DET
fbem-8623	72	19	main	main	ADJ
fbem-8623	72	20	source	source	NOUN
fbem-8623	72	21	of	of	ADP
fbem-8623	72	22	profit	profit	NOUN
fbem-8623	72	23	for	for	ADP
fbem-8623	72	24	life	life	NOUN
fbem-8623	72	25	insurance	insurance	NOUN
fbem-8623	72	26	companies	company	NOUN
fbem-8623	72	27	.	.	PUNCT
fbem-8623	73	1	under	under	ADP
fbem-8623	73	2	the	the	DET
fbem-8623	73	3	continuous	continuous	ADJ
fbem-8623	73	4	low	low	ADJ
fbem-8623	73	5	interest	interest	NOUN
fbem-8623	73	6	rate	rate	NOUN
fbem-8623	73	7	environment	environment	NOUN
fbem-8623	73	8	,	,	PUNCT
fbem-8623	73	9	the	the	DET
fbem-8623	73	10	operation	operation	NOUN
fbem-8623	73	11	of	of	ADP
fbem-8623	73	12	life	life	NOUN
fbem-8623	73	13	insurance	insurance	NOUN
fbem-8623	73	14	companies	company	NOUN
fbem-8623	73	15	is	be	AUX
fbem-8623	73	16	facing	face	VERB
fbem-8623	73	17	greater	great	ADJ
fbem-8623	73	18	challenges	challenge	NOUN
fbem-8623	73	19	.	.	PUNCT
fbem-8623	74	1	3.3	3.3	NUM
fbem-8623	74	2	.	.	PUNCT
fbem-8623	75	1	the	the	DET
fbem-8623	75	2	impact	impact	NOUN
fbem-8623	75	3	on	on	ADP
fbem-8623	75	4	the	the	DET
fbem-8623	75	5	competitiveness	competitiveness	NOUN
fbem-8623	75	6	of	of	ADP
fbem-8623	75	7	life	life	NOUN
fbem-8623	75	8	insurance	insurance	NOUN
fbem-8623	75	9	products	product	NOUN
fbem-8623	75	10	and	and	CCONJ
fbem-8623	75	11	financial	financial	ADJ
fbem-8623	75	12	products	product	NOUN
fbem-8623	75	13	in	in	ADP
fbem-8623	75	14	the	the	DET
fbem-8623	75	15	current	current	ADJ
fbem-8623	75	16	market	market	NOUN
fbem-8623	75	17	,	,	PUNCT
fbem-8623	75	18	insurance	insurance	NOUN
fbem-8623	75	19	,	,	PUNCT
fbem-8623	75	20	as	as	ADP
fbem-8623	75	21	an	an	DET
fbem-8623	75	22	important	important	ADJ
fbem-8623	75	23	tool	tool	NOUN
fbem-8623	75	24	for	for	SCONJ
fbem-8623	75	25	people	people	NOUN
fbem-8623	75	26	to	to	PART
fbem-8623	75	27	transfer	transfer	VERB
fbem-8623	75	28	risks	risk	NOUN
fbem-8623	75	29	and	and	CCONJ
fbem-8623	75	30	invest	invest	VERB
fbem-8623	75	31	in	in	ADP
fbem-8623	75	32	financial	financial	ADJ
fbem-8623	75	33	management	management	NOUN
fbem-8623	75	34	,	,	PUNCT
fbem-8623	75	35	has	have	VERB
fbem-8623	75	36	similar	similar	ADJ
fbem-8623	75	37	substitutes	substitute	NOUN
fbem-8623	75	38	such	such	ADJ
fbem-8623	75	39	as	as	ADP
fbem-8623	75	40	deposits	deposit	NOUN
fbem-8623	75	41	,	,	PUNCT
fbem-8623	75	42	stocks	stock	NOUN
fbem-8623	75	43	,	,	PUNCT
fbem-8623	75	44	funds	fund	NOUN
fbem-8623	75	45	and	and	CCONJ
fbem-8623	75	46	bonds	bond	NOUN
fbem-8623	75	47	.	.	PUNCT
fbem-8623	76	1	the	the	DET
fbem-8623	76	2	interest	interest	NOUN
fbem-8623	76	3	rate	rate	NOUN
fbem-8623	76	4	level	level	NOUN
fbem-8623	76	5	of	of	ADP
fbem-8623	76	6	investment	investment	NOUN
fbem-8623	76	7	life	life	NOUN
fbem-8623	76	8	insurance	insurance	NOUN
fbem-8623	76	9	products	product	NOUN
fbem-8623	76	10	is	be	AUX
fbem-8623	76	11	often	often	ADV
fbem-8623	76	12	higher	high	ADJ
fbem-8623	76	13	than	than	ADP
fbem-8623	76	14	that	that	PRON
fbem-8623	76	15	of	of	ADP
fbem-8623	76	16	bank	bank	NOUN
fbem-8623	76	17	deposits	deposit	NOUN
fbem-8623	76	18	in	in	ADP
fbem-8623	76	19	the	the	DET
fbem-8623	76	20	same	same	ADJ
fbem-8623	76	21	period	period	NOUN
fbem-8623	76	22	,	,	PUNCT
fbem-8623	76	23	but	but	CCONJ
fbem-8623	76	24	lower	low	ADJ
fbem-8623	76	25	than	than	ADP
fbem-8623	76	26	that	that	PRON
fbem-8623	76	27	of	of	ADP
fbem-8623	76	28	fund	fund	NOUN
fbem-8623	76	29	stock	stock	NOUN
fbem-8623	76	30	bond	bond	NOUN
fbem-8623	76	31	market	market	NOUN
fbem-8623	76	32	.	.	PUNCT
fbem-8623	77	1	in	in	ADP
fbem-8623	77	2	terms	term	NOUN
fbem-8623	77	3	of	of	ADP
fbem-8623	77	4	market	market	NOUN
fbem-8623	77	5	selection	selection	NOUN
fbem-8623	77	6	,	,	PUNCT
fbem-8623	77	7	customers	customer	NOUN
fbem-8623	77	8	who	who	PRON
fbem-8623	77	9	tend	tend	VERB
fbem-8623	77	10	to	to	PART
fbem-8623	77	11	benefit	benefit	VERB
fbem-8623	77	12	from	from	ADP
fbem-8623	77	13	investment	investment	NOUN
fbem-8623	77	14	tend	tend	VERB
fbem-8623	77	15	to	to	PART
fbem-8623	77	16	choose	choose	VERB
fbem-8623	77	17	other	other	ADJ
fbem-8623	77	18	markets	market	NOUN
fbem-8623	77	19	in	in	ADP
fbem-8623	77	20	the	the	DET
fbem-8623	77	21	same	same	ADJ
fbem-8623	77	22	period	period	NOUN
fbem-8623	77	23	.	.	PUNCT
fbem-8623	78	1	at	at	ADP
fbem-8623	78	2	the	the	DET
fbem-8623	78	3	same	same	ADJ
fbem-8623	78	4	time	time	NOUN
fbem-8623	78	5	,	,	PUNCT
fbem-8623	78	6	customers	customer	NOUN
fbem-8623	78	7	have	have	VERB
fbem-8623	78	8	the	the	DET
fbem-8623	78	9	right	right	NOUN
fbem-8623	78	10	to	to	PART
fbem-8623	78	11	choose	choose	VERB
fbem-8623	78	12	insurance	insurance	NOUN
fbem-8623	78	13	policies	policy	NOUN
fbem-8623	78	14	for	for	ADP
fbem-8623	78	15	life	life	NOUN
fbem-8623	78	16	insurance	insurance	NOUN
fbem-8623	78	17	products	product	NOUN
fbem-8623	78	18	.	.	PUNCT
fbem-8623	79	1	customers	customer	NOUN
fbem-8623	79	2	can	can	AUX
fbem-8623	79	3	obtain	obtain	VERB
fbem-8623	79	4	cash	cash	NOUN
fbem-8623	79	5	flow	flow	NOUN
fbem-8623	79	6	by	by	ADP
fbem-8623	79	7	extracting	extract	VERB
fbem-8623	79	8	the	the	DET
fbem-8623	79	9	cash	cash	NOUN
fbem-8623	79	10	value	value	NOUN
fbem-8623	79	11	of	of	ADP
fbem-8623	79	12	insurance	insurance	NOUN
fbem-8623	79	13	policies	policy	NOUN
fbem-8623	79	14	or	or	CCONJ
fbem-8623	79	15	loan	loan	NOUN
fbem-8623	79	16	treaties	treaty	NOUN
fbem-8623	79	17	to	to	PART
fbem-8623	79	18	invest	invest	VERB
fbem-8623	79	19	in	in	ADP
fbem-8623	79	20	other	other	ADJ
fbem-8623	79	21	markets	market	NOUN
fbem-8623	79	22	.	.	PUNCT
fbem-8623	80	1	life	life	NOUN
fbem-8623	80	2	insurance	insurance	NOUN
fbem-8623	80	3	companies	company	NOUN
fbem-8623	80	4	need	need	VERB
fbem-8623	80	5	to	to	PART
fbem-8623	80	6	prepare	prepare	VERB
fbem-8623	80	7	too	too	ADV
fbem-8623	80	8	much	much	ADJ
fbem-8623	80	9	cash	cash	NOUN
fbem-8623	80	10	deposits	deposit	NOUN
fbem-8623	80	11	for	for	ADP
fbem-8623	80	12	this	this	DET
fbem-8623	80	13	potential	potential	ADJ
fbem-8623	80	14	capital	capital	NOUN
fbem-8623	80	15	outflow	outflow	NOUN
fbem-8623	80	16	,	,	PUNCT
fbem-8623	80	17	which	which	PRON
fbem-8623	80	18	has	have	VERB
fbem-8623	80	19	a	a	DET
fbem-8623	80	20	certain	certain	ADJ
fbem-8623	80	21	impact	impact	NOUN
fbem-8623	80	22	on	on	ADP
fbem-8623	80	23	the	the	DET
fbem-8623	80	24	capital	capital	NOUN
fbem-8623	80	25	flow	flow	NOUN
fbem-8623	80	26	and	and	CCONJ
fbem-8623	80	27	investment	investment	NOUN
fbem-8623	80	28	of	of	ADP
fbem-8623	80	29	life	life	NOUN
fbem-8623	80	30	insurance	insurance	NOUN
fbem-8623	80	31	companies	company	NOUN
fbem-8623	80	32	.	.	PUNCT
fbem-8623	81	1	the	the	DET
fbem-8623	81	2	business	business	NOUN
fbem-8623	81	3	of	of	ADP
fbem-8623	81	4	life	life	NOUN
fbem-8623	81	5	insurance	insurance	NOUN
fbem-8623	81	6	companies	company	NOUN
fbem-8623	81	7	extends	extend	VERB
fbem-8623	81	8	from	from	ADP
fbem-8623	81	9	the	the	DET
fbem-8623	81	10	insurance	insurance	NOUN
fbem-8623	81	11	market	market	NOUN
fbem-8623	81	12	to	to	ADP
fbem-8623	81	13	the	the	DET
fbem-8623	81	14	entire	entire	ADJ
fbem-8623	81	15	financial	financial	ADJ
fbem-8623	81	16	market	market	NOUN
fbem-8623	81	17	,	,	PUNCT
fbem-8623	81	18	and	and	CCONJ
fbem-8623	81	19	competes	compete	VERB
fbem-8623	81	20	for	for	ADP
fbem-8623	81	21	customer	customer	NOUN
fbem-8623	81	22	funds	fund	NOUN
fbem-8623	81	23	among	among	ADP
fbem-8623	81	24	peers	peer	NOUN
fbem-8623	81	25	and	and	CCONJ
fbem-8623	81	26	other	other	ADJ
fbem-8623	81	27	financial	financial	ADJ
fbem-8623	81	28	institutions	institution	NOUN
fbem-8623	81	29	through	through	ADP
fbem-8623	81	30	high	high	ADJ
fbem-8623	81	31	-	-	PUNCT
fbem-8623	81	32	yield	yield	NOUN
fbem-8623	81	33	investment	investment	NOUN
fbem-8623	81	34	products	product	NOUN
fbem-8623	81	35	.	.	PUNCT
fbem-8623	82	1	nowadays	nowadays	ADV
fbem-8623	82	2	,	,	PUNCT
fbem-8623	82	3	among	among	ADP
fbem-8623	82	4	the	the	DET
fbem-8623	82	5	life	life	NOUN
fbem-8623	82	6	insurance	insurance	NOUN
fbem-8623	82	7	companies	company	NOUN
fbem-8623	82	8	,	,	PUNCT
fbem-8623	82	9	the	the	DET
fbem-8623	82	10	financial	financial	ADJ
fbem-8623	82	11	insurance	insurance	NOUN
fbem-8623	82	12	product	product	NOUN
fbem-8623	82	13	business	business	NOUN
fbem-8623	82	14	accounts	account	VERB
fbem-8623	82	15	for	for	ADP
fbem-8623	82	16	60	60	NUM
fbem-8623	82	17	%	%	NOUN
fbem-8623	82	18	-70	-70	PROPN
fbem-8623	82	19	%	%	NOUN
fbem-8623	82	20	of	of	ADP
fbem-8623	82	21	the	the	DET
fbem-8623	82	22	entire	entire	ADJ
fbem-8623	82	23	life	life	NOUN
fbem-8623	82	24	insurance	insurance	NOUN
fbem-8623	82	25	business	business	NOUN
fbem-8623	82	26	scale	scale	NOUN
fbem-8623	82	27	,	,	PUNCT
fbem-8623	82	28	and	and	CCONJ
fbem-8623	82	29	more	more	ADJ
fbem-8623	82	30	life	life	NOUN
fbem-8623	82	31	insurance	insurance	NOUN
fbem-8623	82	32	companies	company	NOUN
fbem-8623	82	33	financial	financial	ADJ
fbem-8623	82	34	insurance	insurance	NOUN
fbem-8623	82	35	premium	premium	NOUN
fbem-8623	82	36	income	income	NOUN
fbem-8623	82	37	accounts	account	VERB
fbem-8623	82	38	for	for	ADP
fbem-8623	82	39	more	more	ADJ
fbem-8623	82	40	than	than	ADP
fbem-8623	82	41	90	90	NUM
fbem-8623	82	42	%	%	NOUN
fbem-8623	82	43	.	.	PUNCT
fbem-8623	83	1	investment	investment	NOUN
fbem-8623	83	2	and	and	CCONJ
fbem-8623	83	3	financial	financial	ADJ
fbem-8623	83	4	products	product	NOUN
fbem-8623	83	5	have	have	AUX
fbem-8623	83	6	become	become	VERB
fbem-8623	83	7	customers	customer	NOUN
fbem-8623	83	8	'	'	PUNCT
fbem-8623	83	9	favorite	favorite	ADJ
fbem-8623	83	10	.	.	PUNCT
fbem-8623	84	1	under	under	ADP
fbem-8623	84	2	the	the	DET
fbem-8623	84	3	low	low	ADJ
fbem-8623	84	4	interest	interest	NOUN
fbem-8623	84	5	rate	rate	NOUN
fbem-8623	84	6	environment	environment	NOUN
fbem-8623	84	7	,	,	PUNCT
fbem-8623	84	8	the	the	DET
fbem-8623	84	9	potential	potential	ADJ
fbem-8623	84	10	earnings	earning	NOUN
fbem-8623	84	11	decline	decline	NOUN
fbem-8623	84	12	,	,	PUNCT
fbem-8623	84	13	life	life	NOUN
fbem-8623	84	14	insurance	insurance	NOUN
fbem-8623	84	15	companies	company	NOUN
fbem-8623	84	16	must	must	AUX
fbem-8623	84	17	carry	carry	VERB
fbem-8623	84	18	out	out	ADP
fbem-8623	84	19	more	more	ADV
fbem-8623	84	20	active	active	ADJ
fbem-8623	84	21	financial	financial	ADJ
fbem-8623	84	22	management	management	NOUN
fbem-8623	84	23	strategy	strategy	NOUN
fbem-8623	84	24	.	.	PUNCT
fbem-8623	85	1	4	4	X
fbem-8623	85	2	.	.	X
fbem-8623	85	3	the	the	DET
fbem-8623	85	4	current	current	ADJ
fbem-8623	85	5	measures	measure	NOUN
fbem-8623	85	6	and	and	CCONJ
fbem-8623	85	7	shortcomings	shortcoming	NOUN
fbem-8623	85	8	of	of	ADP
fbem-8623	85	9	life	life	NOUN
fbem-8623	85	10	insurance	insurance	NOUN
fbem-8623	85	11	companies	company	NOUN
fbem-8623	85	12	to	to	PART
fbem-8623	85	13	cope	cope	VERB
fbem-8623	85	14	with	with	ADP
fbem-8623	85	15	the	the	DET
fbem-8623	85	16	low	low	ADJ
fbem-8623	85	17	interest	interest	NOUN
fbem-8623	85	18	rate	rate	NOUN
fbem-8623	85	19	environment	environment	NOUN
fbem-8623	85	20	the	the	DET
fbem-8623	85	21	problem	problem	NOUN
fbem-8623	85	22	of	of	ADP
fbem-8623	85	23	interest	interest	NOUN
fbem-8623	85	24	rate	rate	NOUN
fbem-8623	85	25	is	be	AUX
fbem-8623	85	26	an	an	DET
fbem-8623	85	27	unavoidable	unavoidable	ADJ
fbem-8623	85	28	problem	problem	NOUN
fbem-8623	85	29	in	in	ADP
fbem-8623	85	30	the	the	DET
fbem-8623	85	31	development	development	NOUN
fbem-8623	85	32	of	of	ADP
fbem-8623	85	33	life	life	NOUN
fbem-8623	85	34	insurance	insurance	NOUN
fbem-8623	85	35	industry	industry	NOUN
fbem-8623	85	36	,	,	PUNCT
fbem-8623	85	37	and	and	CCONJ
fbem-8623	85	38	the	the	DET
fbem-8623	85	39	continuous	continuous	ADJ
fbem-8623	85	40	low	low	ADJ
fbem-8623	85	41	interest	interest	NOUN
fbem-8623	85	42	rate	rate	NOUN
fbem-8623	85	43	environment	environment	NOUN
fbem-8623	85	44	is	be	AUX
fbem-8623	85	45	also	also	ADV
fbem-8623	85	46	an	an	DET
fbem-8623	85	47	inevitable	inevitable	ADJ
fbem-8623	85	48	challenge	challenge	NOUN
fbem-8623	85	49	for	for	ADP
fbem-8623	85	50	the	the	DET
fbem-8623	85	51	current	current	ADJ
fbem-8623	85	52	domestic	domestic	ADJ
fbem-8623	85	53	life	life	NOUN
fbem-8623	85	54	insurance	insurance	NOUN
fbem-8623	85	55	market[2	market[2	NOUN
fbem-8623	85	56	]	]	PUNCT
fbem-8623	85	57	.	.	PUNCT
fbem-8623	86	1	from	from	ADP
fbem-8623	86	2	the	the	DET
fbem-8623	86	3	perspective	perspective	NOUN
fbem-8623	86	4	of	of	ADP
fbem-8623	86	5	future	future	ADJ
fbem-8623	86	6	generations	generation	NOUN
fbem-8623	86	7	,	,	PUNCT
fbem-8623	86	8	the	the	DET
fbem-8623	86	9	domestic	domestic	ADJ
fbem-8623	86	10	life	life	NOUN
fbem-8623	86	11	insurance	insurance	NOUN
fbem-8623	86	12	industry	industry	NOUN
fbem-8623	86	13	refers	refer	VERB
fbem-8623	86	14	to	to	ADP
fbem-8623	86	15	the	the	DET
fbem-8623	86	16	strategies	strategy	NOUN
fbem-8623	86	17	adopted	adopt	VERB
fbem-8623	86	18	by	by	ADP
fbem-8623	86	19	the	the	DET
fbem-8623	86	20	european	european	ADJ
fbem-8623	86	21	and	and	CCONJ
fbem-8623	86	22	american	american	ADJ
fbem-8623	86	23	life	life	NOUN
fbem-8623	86	24	insurance	insurance	NOUN
fbem-8623	86	25	industry	industry	NOUN
fbem-8623	86	26	in	in	ADP
fbem-8623	86	27	the	the	DET
fbem-8623	86	28	early	early	ADJ
fbem-8623	86	29	response	response	NOUN
fbem-8623	86	30	to	to	ADP
fbem-8623	86	31	the	the	DET
fbem-8623	86	32	low	low	ADJ
fbem-8623	86	33	interest	interest	NOUN
fbem-8623	86	34	rate	rate	NOUN
fbem-8623	86	35	environment	environment	NOUN
fbem-8623	86	36	.	.	PUNCT
fbem-8623	87	1	after	after	ADP
fbem-8623	87	2	the	the	DET
fbem-8623	87	3	reform	reform	NOUN
fbem-8623	87	4	and	and	CCONJ
fbem-8623	87	5	opening	opening	NOUN
fbem-8623	87	6	up	up	ADP
fbem-8623	87	7	,	,	PUNCT
fbem-8623	87	8	the	the	DET
fbem-8623	87	9	introduction	introduction	NOUN
fbem-8623	87	10	of	of	ADP
fbem-8623	87	11	foreign	foreign	ADJ
fbem-8623	87	12	investment	investment	NOUN
fbem-8623	87	13	and	and	CCONJ
fbem-8623	87	14	the	the	DET
fbem-8623	87	15	inclusion	inclusion	NOUN
fbem-8623	87	16	of	of	ADP
fbem-8623	87	17	these	these	DET
fbem-8623	87	18	economic	economic	ADJ
fbem-8623	87	19	ideas	idea	NOUN
fbem-8623	87	20	have	have	AUX
fbem-8623	87	21	made	make	VERB
fbem-8623	87	22	the	the	DET
fbem-8623	87	23	domestic	domestic	ADJ
fbem-8623	87	24	life	life	NOUN
fbem-8623	87	25	insurance	insurance	NOUN
fbem-8623	87	26	industry	industry	NOUN
fbem-8623	87	27	form	form	VERB
fbem-8623	87	28	a	a	DET
fbem-8623	87	29	better	well	ADJ
fbem-8623	87	30	market	market	NOUN
fbem-8623	87	31	environment	environment	NOUN
fbem-8623	87	32	and	and	CCONJ
fbem-8623	87	33	asset	asset	NOUN
fbem-8623	87	34	structure	structure	NOUN
fbem-8623	87	35	before	before	ADP
fbem-8623	87	36	the	the	DET
fbem-8623	87	37	arrival	arrival	NOUN
fbem-8623	87	38	of	of	ADP
fbem-8623	87	39	the	the	DET
fbem-8623	87	40	low	low	ADJ
fbem-8623	87	41	interest	interest	NOUN
fbem-8623	87	42	rate	rate	NOUN
fbem-8623	87	43	environment	environment	NOUN
fbem-8623	87	44	.	.	PUNCT
fbem-8623	88	1	life	life	NOUN
fbem-8623	88	2	insurance	insurance	NOUN
fbem-8623	88	3	companies	company	NOUN
fbem-8623	88	4	use	use	VERB
fbem-8623	88	5	asset	asset	NOUN
fbem-8623	88	6	allocation	allocation	NOUN
fbem-8623	88	7	strategy	strategy	NOUN
fbem-8623	88	8	and	and	CCONJ
fbem-8623	88	9	product	product	NOUN
fbem-8623	88	10	strategy	strategy	NOUN
fbem-8623	88	11	to	to	PART
fbem-8623	88	12	alleviate	alleviate	VERB
fbem-8623	88	13	the	the	DET
fbem-8623	88	14	pressure	pressure	NOUN
fbem-8623	88	15	of	of	ADP
fbem-8623	88	16	interest	interest	NOUN
fbem-8623	88	17	rate	rate	NOUN
fbem-8623	88	18	decline	decline	NOUN
fbem-8623	88	19	from	from	ADP
fbem-8623	88	20	the	the	DET
fbem-8623	88	21	investment	investment	NOUN
fbem-8623	88	22	side	side	NOUN
fbem-8623	88	23	and	and	CCONJ
fbem-8623	88	24	the	the	DET
fbem-8623	88	25	sales	sale	NOUN
fbem-8623	88	26	side	side	NOUN
fbem-8623	88	27	respectively	respectively	ADV
fbem-8623	88	28	,	,	PUNCT
fbem-8623	88	29	and	and	CCONJ
fbem-8623	88	30	realize	realize	VERB
fbem-8623	88	31	the	the	DET
fbem-8623	88	32	stable	stable	ADJ
fbem-8623	88	33	operation	operation	NOUN
fbem-8623	88	34	of	of	ADP
fbem-8623	88	35	the	the	DET
fbem-8623	88	36	company	company	NOUN
fbem-8623	88	37	.	.	PUNCT
fbem-8623	89	1	however	however	ADV
fbem-8623	89	2	,	,	PUNCT
fbem-8623	89	3	in	in	ADP
fbem-8623	89	4	the	the	DET
fbem-8623	89	5	face	face	NOUN
fbem-8623	89	6	of	of	ADP
fbem-8623	89	7	new	new	ADJ
fbem-8623	89	8	market	market	NOUN
fbem-8623	89	9	changes	change	NOUN
fbem-8623	89	10	,	,	PUNCT
fbem-8623	89	11	life	life	NOUN
fbem-8623	89	12	insurance	insurance	NOUN
fbem-8623	89	13	companies	company	NOUN
fbem-8623	89	14	generally	generally	ADV
fbem-8623	89	15	have	have	VERB
fbem-8623	89	16	problems	problem	NOUN
fbem-8623	89	17	such	such	ADJ
fbem-8623	89	18	as	as	ADP
fbem-8623	89	19	investment	investment	NOUN
fbem-8623	89	20	-	-	PUNCT
fbem-8623	89	21	side	side	NOUN
fbem-8623	89	22	bias	bias	NOUN
fbem-8623	89	23	,	,	PUNCT
fbem-8623	89	24	long	long	ADJ
fbem-8623	89	25	-	-	PUNCT
fbem-8623	89	26	term	term	NOUN
fbem-8623	89	27	matching	matching	NOUN
fbem-8623	89	28	rationality	rationality	NOUN
fbem-8623	89	29	,	,	PUNCT
fbem-8623	89	30	and	and	CCONJ
fbem-8623	89	31	sales	sale	NOUN
fbem-8623	89	32	-	-	PUNCT
fbem-8623	89	33	side	side	NOUN
fbem-8623	89	34	cost	cost	NOUN
fbem-8623	89	35	orientation	orientation	NOUN
fbem-8623	89	36	.	.	PUNCT
fbem-8623	90	1	4.1	4.1	NUM
fbem-8623	90	2	.	.	PUNCT
fbem-8623	90	3	asset	asset	NOUN
fbem-8623	90	4	allocation	allocation	NOUN
fbem-8623	90	5	strategy	strategy	NOUN
fbem-8623	90	6	asset	asset	NOUN
fbem-8623	90	7	allocation	allocation	NOUN
fbem-8623	90	8	strategy	strategy	NOUN
fbem-8623	90	9	is	be	AUX
fbem-8623	90	10	an	an	DET
fbem-8623	90	11	important	important	ADJ
fbem-8623	90	12	foothold	foothold	NOUN
fbem-8623	90	13	for	for	SCONJ
fbem-8623	90	14	insurance	insurance	NOUN
fbem-8623	90	15	companies	company	NOUN
fbem-8623	90	16	to	to	PART
fbem-8623	90	17	manage	manage	VERB
fbem-8623	90	18	their	their	PRON
fbem-8623	90	19	assets	asset	NOUN
fbem-8623	90	20	and	and	CCONJ
fbem-8623	90	21	liabilities	liability	NOUN
fbem-8623	90	22	in	in	ADP
fbem-8623	90	23	the	the	DET
fbem-8623	90	24	past	past	ADJ
fbem-8623	90	25	few	few	ADJ
fbem-8623	90	26	decades	decade	NOUN
fbem-8623	90	27	.	.	PUNCT
fbem-8623	91	1	it	it	PRON
fbem-8623	91	2	is	be	AUX
fbem-8623	91	3	used	use	VERB
fbem-8623	91	4	to	to	PART
fbem-8623	91	5	balance	balance	VERB
fbem-8623	91	6	the	the	DET
fbem-8623	91	7	imbalance	imbalance	NOUN
fbem-8623	91	8	risk	risk	NOUN
fbem-8623	91	9	of	of	ADP
fbem-8623	91	10	corporate	corporate	ADJ
fbem-8623	91	11	assets	asset	NOUN
fbem-8623	91	12	and	and	CCONJ
fbem-8623	91	13	debts	debt	NOUN
fbem-8623	91	14	in	in	ADP
fbem-8623	91	15	a	a	DET
fbem-8623	91	16	low	low	ADJ
fbem-8623	91	17	interest	interest	NOUN
fbem-8623	91	18	rate	rate	NOUN
fbem-8623	91	19	environment	environment	NOUN
fbem-8623	91	20	and	and	CCONJ
fbem-8623	91	21	a	a	DET
fbem-8623	91	22	substantially	substantially	ADV
fbem-8623	91	23	changing	change	VERB
fbem-8623	91	24	interest	interest	NOUN
fbem-8623	91	25	rate	rate	NOUN
fbem-8623	91	26	environment[3	environment[3	ADV
fbem-8623	91	27	]	]	PUNCT
fbem-8623	91	28	.	.	PUNCT
fbem-8623	92	1	the	the	DET
fbem-8623	92	2	management	management	NOUN
fbem-8623	92	3	content	content	NOUN
fbem-8623	92	4	includes	include	VERB
fbem-8623	92	5	interest	interest	NOUN
fbem-8623	92	6	rate	rate	NOUN
fbem-8623	92	7	risk	risk	NOUN
fbem-8623	92	8	,	,	PUNCT
fbem-8623	92	9	finance	finance	NOUN
fbem-8623	92	10	,	,	PUNCT
fbem-8623	92	11	products	product	NOUN
fbem-8623	92	12	,	,	PUNCT
fbem-8623	92	13	human	human	ADJ
fbem-8623	92	14	resources	resource	NOUN
fbem-8623	92	15	and	and	CCONJ
fbem-8623	92	16	strategic	strategic	ADJ
fbem-8623	92	17	management	management	NOUN
fbem-8623	92	18	.	.	PUNCT
fbem-8623	93	1	the	the	DET
fbem-8623	93	2	intangible	intangible	ADJ
fbem-8623	93	3	nature	nature	NOUN
fbem-8623	93	4	of	of	ADP
fbem-8623	93	5	life	life	NOUN
fbem-8623	93	6	insurance	insurance	NOUN
fbem-8623	93	7	company	company	NOUN
fbem-8623	93	8	's	's	PART
fbem-8623	93	9	products	product	NOUN
fbem-8623	93	10	and	and	CCONJ
fbem-8623	93	11	the	the	DET
fbem-8623	93	12	liability	liability	NOUN
fbem-8623	93	13	nature	nature	NOUN
fbem-8623	93	14	of	of	ADP
fbem-8623	93	15	its	its	PRON
fbem-8623	93	16	operation	operation	NOUN
fbem-8623	93	17	essentially	essentially	ADV
fbem-8623	93	18	require	require	VERB
fbem-8623	93	19	the	the	DET
fbem-8623	93	20	company	company	NOUN
fbem-8623	93	21	to	to	PART
fbem-8623	93	22	adopt	adopt	VERB
fbem-8623	93	23	efficient	efficient	ADJ
fbem-8623	93	24	management	management	NOUN
fbem-8623	93	25	methods	method	NOUN
fbem-8623	93	26	and	and	CCONJ
fbem-8623	93	27	risk	risk	NOUN
fbem-8623	93	28	response	response	NOUN
fbem-8623	93	29	measures	measure	NOUN
fbem-8623	93	30	.	.	PUNCT
fbem-8623	94	1	at	at	ADP
fbem-8623	94	2	the	the	DET
fbem-8623	94	3	same	same	ADJ
fbem-8623	94	4	time	time	NOUN
fbem-8623	94	5	,	,	PUNCT
fbem-8623	94	6	due	due	ADP
fbem-8623	94	7	to	to	ADP
fbem-8623	94	8	the	the	DET
fbem-8623	94	9	long	long	ADJ
fbem-8623	94	10	-	-	PUNCT
fbem-8623	94	11	term	term	NOUN
fbem-8623	94	12	nature	nature	NOUN
fbem-8623	94	13	of	of	ADP
fbem-8623	94	14	the	the	DET
fbem-8623	94	15	product	product	NOUN
fbem-8623	94	16	return	return	NOUN
fbem-8623	94	17	rate	rate	NOUN
fbem-8623	94	18	of	of	ADP
fbem-8623	94	19	life	life	NOUN
fbem-8623	94	20	insurance	insurance	NOUN
fbem-8623	94	21	companies	company	NOUN
fbem-8623	94	22	,	,	PUNCT
fbem-8623	94	23	life	life	NOUN
fbem-8623	94	24	insurance	insurance	NOUN
fbem-8623	94	25	companies	company	NOUN
fbem-8623	94	26	are	be	AUX
fbem-8623	94	27	required	require	VERB
fbem-8623	94	28	to	to	PART
fbem-8623	94	29	reasonably	reasonably	ADV
fbem-8623	94	30	control	control	VERB
fbem-8623	94	31	interest	interest	NOUN
fbem-8623	94	32	rate	rate	NOUN
fbem-8623	94	33	risks	risk	NOUN
fbem-8623	94	34	and	and	CCONJ
fbem-8623	94	35	ensure	ensure	VERB
fbem-8623	94	36	the	the	DET
fbem-8623	94	37	stability	stability	NOUN
fbem-8623	94	38	of	of	ADP
fbem-8623	94	39	solvency	solvency	NOUN
fbem-8623	94	40	.	.	PUNCT
fbem-8623	95	1	as	as	ADP
fbem-8623	95	2	a	a	DET
fbem-8623	95	3	financial	financial	ADJ
fbem-8623	95	4	instrument	instrument	NOUN
fbem-8623	95	5	,	,	PUNCT
fbem-8623	95	6	insurance	insurance	NOUN
fbem-8623	95	7	products	product	NOUN
fbem-8623	95	8	can	can	AUX
fbem-8623	95	9	not	not	PART
fbem-8623	95	10	bypass	bypass	VERB
fbem-8623	95	11	the	the	DET
fbem-8623	95	12	problem	problem	NOUN
fbem-8623	95	13	of	of	ADP
fbem-8623	95	14	interest	interest	NOUN
fbem-8623	95	15	rate	rate	NOUN
fbem-8623	95	16	risk	risk	NOUN
fbem-8623	95	17	in	in	ADP
fbem-8623	95	18	the	the	DET
fbem-8623	95	19	whole	whole	ADJ
fbem-8623	95	20	financial	financial	ADJ
fbem-8623	95	21	market	market	NOUN
fbem-8623	95	22	.	.	PUNCT
fbem-8623	96	1	interest	interest	NOUN
fbem-8623	96	2	rate	rate	NOUN
fbem-8623	96	3	risk	risk	NOUN
fbem-8623	96	4	management	management	NOUN
fbem-8623	96	5	runs	run	VERB
fbem-8623	96	6	through	through	ADP
fbem-8623	96	7	the	the	DET
fbem-8623	96	8	full	full	ADJ
fbem-8623	96	9	range	range	NOUN
fbem-8623	96	10	of	of	ADP
fbem-8623	96	11	asset	asset	NOUN
fbem-8623	96	12	and	and	CCONJ
fbem-8623	96	13	liability	liability	NOUN
fbem-8623	96	14	management	management	NOUN
fbem-8623	96	15	of	of	ADP
fbem-8623	96	16	life	life	NOUN
fbem-8623	96	17	insurance	insurance	NOUN
fbem-8623	96	18	companies	company	NOUN
fbem-8623	96	19	,	,	PUNCT
fbem-8623	96	20	which	which	PRON
fbem-8623	96	21	greatly	greatly	ADV
fbem-8623	96	22	affects	affect	VERB
fbem-8623	96	23	the	the	DET
fbem-8623	96	24	stable	stable	ADJ
fbem-8623	96	25	operation	operation	NOUN
fbem-8623	96	26	of	of	ADP
fbem-8623	96	27	life	life	NOUN
fbem-8623	96	28	insurance	insurance	NOUN
fbem-8623	96	29	companies[4	companies[4	PROPN
fbem-8623	96	30	]	]	PUNCT
fbem-8623	96	31	.	.	PUNCT
fbem-8623	97	1	for	for	ADP
fbem-8623	97	2	insurance	insurance	NOUN
fbem-8623	97	3	companies	company	NOUN
fbem-8623	97	4	that	that	PRON
fbem-8623	97	5	adopt	adopt	VERB
fbem-8623	97	6	the	the	DET
fbem-8623	97	7	asset	asset	NOUN
fbem-8623	97	8	-	-	PUNCT
fbem-8623	97	9	liability	liability	NOUN
fbem-8623	97	10	business	business	NOUN
fbem-8623	97	11	model	model	NOUN
fbem-8623	97	12	,	,	PUNCT
fbem-8623	97	13	they	they	PRON
fbem-8623	97	14	often	often	ADV
fbem-8623	97	15	require	require	VERB
fbem-8623	97	16	the	the	DET
fbem-8623	97	17	risk	risk	NOUN
fbem-8623	97	18	-	-	PUNCT
fbem-8623	97	19	free	free	ADJ
fbem-8623	97	20	interest	interest	NOUN
fbem-8623	97	21	rate	rate	NOUN
fbem-8623	97	22	to	to	PART
fbem-8623	97	23	be	be	AUX
fbem-8623	97	24	higher	high	ADJ
fbem-8623	97	25	than	than	ADP
fbem-8623	97	26	the	the	DET
fbem-8623	97	27	liability	liability	NOUN
fbem-8623	97	28	cost	cost	NOUN
fbem-8623	97	29	when	when	SCONJ
fbem-8623	97	30	pricing	pricing	NOUN
fbem-8623	97	31	products	product	NOUN
fbem-8623	97	32	,	,	PUNCT
fbem-8623	97	33	which	which	PRON
fbem-8623	97	34	is	be	AUX
fbem-8623	97	35	the	the	DET
fbem-8623	97	36	root	root	NOUN
fbem-8623	97	37	cause	cause	NOUN
fbem-8623	97	38	of	of	ADP
fbem-8623	97	39	their	their	PRON
fbem-8623	97	40	requirements	requirement	NOUN
fbem-8623	97	41	for	for	ADP
fbem-8623	97	42	product	product	NOUN
fbem-8623	97	43	sales	sale	NOUN
fbem-8623	97	44	profits	profit	NOUN
fbem-8623	97	45	.	.	PUNCT
fbem-8623	98	1	in	in	ADP
fbem-8623	98	2	the	the	DET
fbem-8623	98	3	process	process	NOUN
fbem-8623	98	4	of	of	ADP
fbem-8623	98	5	asset	asset	NOUN
fbem-8623	98	6	-	-	PUNCT
fbem-8623	98	7	side	side	NOUN
fbem-8623	98	8	interest	interest	NOUN
fbem-8623	98	9	rate	rate	NOUN
fbem-8623	98	10	downside	downside	NOUN
fbem-8623	98	11	,	,	PUNCT
fbem-8623	98	12	life	life	NOUN
fbem-8623	98	13	insurance	insurance	NOUN
fbem-8623	98	14	companies	company	NOUN
fbem-8623	98	15	also	also	ADV
fbem-8623	98	16	have	have	VERB
fbem-8623	98	17	to	to	PART
fbem-8623	98	18	face	face	VERB
fbem-8623	98	19	the	the	DET
fbem-8623	98	20	market	market	NOUN
fbem-8623	98	21	pressure	pressure	NOUN
fbem-8623	98	22	brought	bring	VERB
fbem-8623	98	23	by	by	ADP
fbem-8623	98	24	the	the	DET
fbem-8623	98	25	downside	downside	NOUN
fbem-8623	98	26	of	of	ADP
fbem-8623	98	27	debt	debt	NOUN
fbem-8623	98	28	-	-	PUNCT
fbem-8623	98	29	side	side	NOUN
fbem-8623	98	30	product	product	NOUN
fbem-8623	98	31	pricing	pricing	NOUN
fbem-8623	98	32	interest	interest	NOUN
fbem-8623	98	33	rate	rate	NOUN
fbem-8623	98	34	,	,	PUNCT
fbem-8623	98	35	as	as	ADV
fbem-8623	98	36	well	well	ADV
fbem-8623	98	37	as	as	ADP
fbem-8623	98	38	the	the	DET
fbem-8623	98	39	income	income	NOUN
fbem-8623	98	40	risk	risk	NOUN
fbem-8623	98	41	brought	bring	VERB
fbem-8623	98	42	by	by	ADP
fbem-8623	98	43	the	the	DET
fbem-8623	98	44	investment	investment	NOUN
fbem-8623	98	45	side	side	NOUN
fbem-8623	98	46	under	under	ADP
fbem-8623	98	47	the	the	DET
fbem-8623	98	48	change	change	NOUN
fbem-8623	98	49	of	of	ADP
fbem-8623	98	50	non	non	ADJ
fbem-8623	98	51	-	-	ADJ
fbem-8623	98	52	debt	debt	ADJ
fbem-8623	98	53	-	-	PUNCT
fbem-8623	98	54	side	side	NOUN
fbem-8623	98	55	interest	interest	NOUN
fbem-8623	98	56	rate	rate	NOUN
fbem-8623	98	57	.	.	PUNCT
fbem-8623	99	1	in	in	ADP
fbem-8623	99	2	order	order	NOUN
fbem-8623	99	3	to	to	PART
fbem-8623	99	4	make	make	VERB
fbem-8623	99	5	up	up	ADP
fbem-8623	99	6	for	for	ADP
fbem-8623	99	7	the	the	DET
fbem-8623	99	8	viscous	viscous	ADJ
fbem-8623	99	9	change	change	NOUN
fbem-8623	99	10	of	of	ADP
fbem-8623	99	11	asset	asset	NOUN
fbem-8623	99	12	-	-	PUNCT
fbem-8623	99	13	liability	liability	NOUN
fbem-8623	99	14	side	side	NOUN
fbem-8623	99	15	,	,	PUNCT
fbem-8623	99	16	life	life	NOUN
fbem-8623	99	17	insurance	insurance	NOUN
fbem-8623	99	18	companies	company	NOUN
fbem-8623	99	19	more	more	ADV
fbem-8623	99	20	radiate	radiate	VERB
fbem-8623	99	21	the	the	DET
fbem-8623	99	22	investment	investment	NOUN
fbem-8623	99	23	side	side	NOUN
fbem-8623	99	24	to	to	ADP
fbem-8623	99	25	the	the	DET
fbem-8623	99	26	medium	medium	ADJ
fbem-8623	99	27	-	-	PUNCT
fbem-8623	99	28	and	and	CCONJ
fbem-8623	99	29	long	long	ADJ
fbem-8623	99	30	-	-	PUNCT
fbem-8623	99	31	term	term	NOUN
fbem-8623	99	32	asset	asset	NOUN
fbem-8623	99	33	investment	investment	NOUN
fbem-8623	99	34	sequence	sequence	NOUN
fbem-8623	99	35	.	.	PUNCT
fbem-8623	100	1	4.2	4.2	NUM
fbem-8623	100	2	.	.	PUNCT
fbem-8623	100	3	product	product	NOUN
fbem-8623	100	4	r&d	r&d	NOUN
fbem-8623	100	5	strategy	strategy	NOUN
fbem-8623	100	6	in	in	ADP
fbem-8623	100	7	the	the	DET
fbem-8623	100	8	high	high	ADJ
fbem-8623	100	9	interest	interest	NOUN
fbem-8623	100	10	rate	rate	NOUN
fbem-8623	100	11	period	period	NOUN
fbem-8623	100	12	of	of	ADP
fbem-8623	100	13	more	more	ADJ
fbem-8623	100	14	than	than	ADP
fbem-8623	100	15	ten	ten	NUM
fbem-8623	100	16	years	year	NOUN
fbem-8623	100	17	in	in	ADP
fbem-8623	100	18	the	the	DET
fbem-8623	100	19	early	early	ADJ
fbem-8623	100	20	stage	stage	NOUN
fbem-8623	100	21	of	of	ADP
fbem-8623	100	22	insurance	insurance	NOUN
fbem-8623	100	23	marketization	marketization	NOUN
fbem-8623	100	24	reform	reform	NOUN
fbem-8623	100	25	,	,	PUNCT
fbem-8623	100	26	the	the	DET
fbem-8623	100	27	investment	investment	NOUN
fbem-8623	100	28	side	side	NOUN
fbem-8623	100	29	of	of	ADP
fbem-8623	100	30	life	life	NOUN
fbem-8623	100	31	insurance	insurance	NOUN
fbem-8623	100	32	has	have	AUX
fbem-8623	100	33	achieved	achieve	VERB
fbem-8623	100	34	high	high	ADJ
fbem-8623	100	35	investment	investment	NOUN
fbem-8623	100	36	returns	return	NOUN
fbem-8623	100	37	.	.	PUNCT
fbem-8623	101	1	on	on	ADP
fbem-8623	101	2	the	the	DET
fbem-8623	101	3	debt	debt	NOUN
fbem-8623	101	4	side	side	NOUN
fbem-8623	101	5	,	,	PUNCT
fbem-8623	101	6	the	the	DET
fbem-8623	101	7	domestic	domestic	ADJ
fbem-8623	101	8	life	life	NOUN
fbem-8623	101	9	insurance	insurance	NOUN
fbem-8623	101	10	market	market	NOUN
fbem-8623	101	11	still	still	ADV
fbem-8623	101	12	has	have	VERB
fbem-8623	101	13	a	a	DET
fbem-8623	101	14	lot	lot	NOUN
fbem-8623	101	15	of	of	ADP
fbem-8623	101	16	room	room	NOUN
fbem-8623	101	17	for	for	ADP
fbem-8623	101	18	growth	growth	NOUN
fbem-8623	101	19	.	.	PUNCT
fbem-8623	102	1	under	under	ADP
fbem-8623	102	2	the	the	DET
fbem-8623	102	3	spread	spread	NOUN
fbem-8623	102	4	of	of	ADP
fbem-8623	102	5	the	the	DET
fbem-8623	102	6	epidemic	epidemic	NOUN
fbem-8623	102	7	,	,	PUNCT
fbem-8623	102	8	the	the	DET
fbem-8623	102	9	sales	sale	NOUN
fbem-8623	102	10	performance	performance	NOUN
fbem-8623	102	11	of	of	ADP
fbem-8623	102	12	domestic	domestic	ADJ
fbem-8623	102	13	life	life	NOUN
fbem-8623	102	14	insurance	insurance	NOUN
fbem-8623	102	15	products	product	NOUN
fbem-8623	102	16	has	have	AUX
fbem-8623	102	17	not	not	PART
fbem-8623	102	18	decreased	decrease	VERB
fbem-8623	102	19	but	but	CCONJ
fbem-8623	102	20	increased	increase	VERB
fbem-8623	102	21	,	,	PUNCT
fbem-8623	102	22	and	and	CCONJ
fbem-8623	102	23	the	the	DET
fbem-8623	102	24	development	development	NOUN
fbem-8623	102	25	of	of	ADP
fbem-8623	102	26	the	the	DET
fbem-8623	102	27	industry	industry	NOUN
fbem-8623	102	28	still	still	ADV
fbem-8623	102	29	has	have	VERB
fbem-8623	102	30	a	a	DET
fbem-8623	102	31	large	large	ADJ
fbem-8623	102	32	demographic	demographic	ADJ
fbem-8623	102	33	dividend	dividend	NOUN
fbem-8623	102	34	gap	gap	NOUN
fbem-8623	102	35	.	.	PUNCT
fbem-8623	103	1	at	at	ADP
fbem-8623	103	2	the	the	DET
fbem-8623	103	3	same	same	ADJ
fbem-8623	103	4	time	time	NOUN
fbem-8623	103	5	,	,	PUNCT
fbem-8623	103	6	by	by	ADP
fbem-8623	103	7	the	the	DET
fbem-8623	103	8	successful	successful	ADJ
fbem-8623	103	9	market	market	NOUN
fbem-8623	103	10	strategy	strategy	NOUN
fbem-8623	103	11	adopted	adopt	VERB
fbem-8623	103	12	by	by	ADP
fbem-8623	103	13	developed	develop	VERB
fbem-8623	103	14	countries	country	NOUN
fbem-8623	103	15	in	in	ADP
fbem-8623	103	16	the	the	DET
fbem-8623	103	17	early	early	ADJ
fbem-8623	103	18	low	low	ADJ
fbem-8623	103	19	interest	interest	NOUN
fbem-8623	103	20	rate	rate	NOUN
fbem-8623	103	21	environment	environment	NOUN
fbem-8623	103	22	,	,	PUNCT
fbem-8623	103	23	domestic	domestic	ADJ
fbem-8623	103	24	life	life	NOUN
fbem-8623	103	25	insurance	insurance	NOUN
fbem-8623	103	26	companies	company	NOUN
fbem-8623	103	27	introduced	introduce	VERB
fbem-8623	103	28	investment	investment	NOUN
fbem-8623	103	29	products	product	NOUN
fbem-8623	103	30	such	such	ADJ
fbem-8623	103	31	as	as	ADP
fbem-8623	103	32	universal	universal	ADJ
fbem-8623	103	33	insurance	insurance	NOUN
fbem-8623	103	34	,	,	PUNCT
fbem-8623	103	35	dividend	dividend	NOUN
fbem-8623	103	36	insurance	insurance	NOUN
fbem-8623	103	37	,	,	PUNCT
fbem-8623	103	38	investment	investment	NOUN
fbem-8623	103	39	-	-	PUNCT
fbem-8623	103	40	linked	link	VERB
fbem-8623	103	41	insurance	insurance	NOUN
fbem-8623	103	42	and	and	CCONJ
fbem-8623	103	43	other	other	ADJ
fbem-8623	103	44	new	new	ADJ
fbem-8623	103	45	life	life	NOUN
fbem-8623	103	46	insurance	insurance	NOUN
fbem-8623	103	47	product	product	NOUN
fbem-8623	103	48	concepts	concept	NOUN
fbem-8623	103	49	,	,	PUNCT
fbem-8623	103	50	and	and	CCONJ
fbem-8623	103	51	achieved	achieve	VERB
fbem-8623	103	52	great	great	ADJ
fbem-8623	103	53	success	success	NOUN
fbem-8623	103	54	in	in	ADP
fbem-8623	103	55	the	the	DET
fbem-8623	103	56	country	country	NOUN
fbem-8623	103	57	.	.	PUNCT
fbem-8623	104	1	206	206	NUM
fbem-8623	104	2	this	this	DET
fbem-8623	104	3	method	method	NOUN
fbem-8623	104	4	of	of	ADP
fbem-8623	104	5	transferring	transfer	VERB
fbem-8623	104	6	part	part	NOUN
fbem-8623	104	7	or	or	CCONJ
fbem-8623	104	8	all	all	PRON
fbem-8623	104	9	of	of	ADP
fbem-8623	104	10	the	the	DET
fbem-8623	104	11	risk	risk	NOUN
fbem-8623	104	12	to	to	ADP
fbem-8623	104	13	the	the	DET
fbem-8623	104	14	customer	customer	NOUN
fbem-8623	104	15	has	have	AUX
fbem-8623	104	16	greatly	greatly	ADV
fbem-8623	104	17	changed	change	VERB
fbem-8623	104	18	the	the	DET
fbem-8623	104	19	risk	risk	NOUN
fbem-8623	104	20	structure	structure	NOUN
fbem-8623	104	21	of	of	ADP
fbem-8623	104	22	life	life	NOUN
fbem-8623	104	23	insurance	insurance	NOUN
fbem-8623	104	24	companies	company	NOUN
fbem-8623	104	25	.	.	PUNCT
fbem-8623	105	1	the	the	DET
fbem-8623	105	2	domestic	domestic	ADJ
fbem-8623	105	3	life	life	NOUN
fbem-8623	105	4	insurance	insurance	NOUN
fbem-8623	105	5	industry	industry	NOUN
fbem-8623	105	6	can	can	AUX
fbem-8623	105	7	look	look	VERB
fbem-8623	105	8	over	over	ADP
fbem-8623	105	9	the	the	DET
fbem-8623	105	10	shoulders	shoulder	NOUN
fbem-8623	105	11	of	of	ADP
fbem-8623	105	12	giants	giant	NOUN
fbem-8623	105	13	to	to	PART
fbem-8623	105	14	achieve	achieve	VERB
fbem-8623	105	15	its	its	PRON
fbem-8623	105	16	own	own	ADJ
fbem-8623	105	17	risk	risk	NOUN
fbem-8623	105	18	control	control	NOUN
fbem-8623	105	19	and	and	CCONJ
fbem-8623	105	20	regulate	regulate	VERB
fbem-8623	105	21	market	market	NOUN
fbem-8623	105	22	development	development	NOUN
fbem-8623	105	23	.	.	PUNCT
fbem-8623	106	1	compared	compare	VERB
fbem-8623	106	2	with	with	ADP
fbem-8623	106	3	the	the	DET
fbem-8623	106	4	foreign	foreign	ADJ
fbem-8623	106	5	market	market	NOUN
fbem-8623	106	6	interest	interest	NOUN
fbem-8623	106	7	rate	rate	NOUN
fbem-8623	106	8	environment	environment	NOUN
fbem-8623	106	9	,	,	PUNCT
fbem-8623	106	10	the	the	DET
fbem-8623	106	11	domestic	domestic	ADJ
fbem-8623	106	12	environmental	environmental	ADJ
fbem-8623	106	13	pressure	pressure	NOUN
fbem-8623	106	14	is	be	AUX
fbem-8623	106	15	still	still	ADV
fbem-8623	106	16	not	not	PART
fbem-8623	106	17	great	great	ADJ
fbem-8623	106	18	.	.	PUNCT
fbem-8623	107	1	5	5	X
fbem-8623	107	2	.	.	X
fbem-8623	107	3	the	the	DET
fbem-8623	107	4	coping	cope	VERB
fbem-8623	107	5	strategies	strategy	NOUN
fbem-8623	107	6	of	of	ADP
fbem-8623	107	7	life	life	NOUN
fbem-8623	107	8	insurance	insurance	NOUN
fbem-8623	107	9	companies	company	NOUN
fbem-8623	107	10	in	in	ADP
fbem-8623	107	11	low	low	ADJ
fbem-8623	107	12	interest	interest	NOUN
fbem-8623	107	13	rate	rate	NOUN
fbem-8623	107	14	environment	environment	NOUN
fbem-8623	107	15	5.1	5.1	NUM
fbem-8623	107	16	.	.	PUNCT
fbem-8623	108	1	improve	improve	VERB
fbem-8623	108	2	the	the	DET
fbem-8623	108	3	product	product	NOUN
fbem-8623	108	4	pricing	pricing	NOUN
fbem-8623	108	5	mechanism	mechanism	NOUN
fbem-8623	108	6	in	in	ADP
fbem-8623	108	7	general	general	ADJ
fbem-8623	108	8	,	,	PUNCT
fbem-8623	108	9	the	the	DET
fbem-8623	108	10	dead	dead	ADJ
fbem-8623	108	11	difference	difference	NOUN
fbem-8623	108	12	factor	factor	NOUN
fbem-8623	108	13	has	have	VERB
fbem-8623	108	14	the	the	DET
fbem-8623	108	15	least	least	ADJ
fbem-8623	108	16	impact	impact	NOUN
fbem-8623	108	17	on	on	ADP
fbem-8623	108	18	the	the	DET
fbem-8623	108	19	pricing	pricing	NOUN
fbem-8623	108	20	of	of	ADP
fbem-8623	108	21	life	life	NOUN
fbem-8623	108	22	insurance	insurance	NOUN
fbem-8623	108	23	products	product	NOUN
fbem-8623	108	24	.	.	PUNCT
fbem-8623	109	1	in	in	ADP
fbem-8623	109	2	the	the	DET
fbem-8623	109	3	actuarial	actuarial	ADJ
fbem-8623	109	4	design	design	NOUN
fbem-8623	109	5	of	of	ADP
fbem-8623	109	6	products	product	NOUN
fbem-8623	109	7	,	,	PUNCT
fbem-8623	109	8	the	the	DET
fbem-8623	109	9	predetermined	predetermine	VERB
fbem-8623	109	10	mortality	mortality	NOUN
fbem-8623	109	11	rate	rate	NOUN
fbem-8623	109	12	is	be	AUX
fbem-8623	109	13	often	often	ADV
fbem-8623	109	14	obtained	obtain	VERB
fbem-8623	109	15	based	base	VERB
fbem-8623	109	16	on	on	ADP
fbem-8623	109	17	empirical	empirical	ADJ
fbem-8623	109	18	data	datum	NOUN
fbem-8623	109	19	such	such	ADJ
fbem-8623	109	20	as	as	ADP
fbem-8623	109	21	life	life	NOUN
fbem-8623	109	22	tables	table	NOUN
fbem-8623	109	23	.	.	PUNCT
fbem-8623	110	1	by	by	ADP
fbem-8623	110	2	quantifying	quantify	VERB
fbem-8623	110	3	the	the	DET
fbem-8623	110	4	actuarial	actuarial	ADJ
fbem-8623	110	5	law	law	NOUN
fbem-8623	110	6	and	and	CCONJ
fbem-8623	110	7	the	the	DET
fbem-8623	110	8	law	law	NOUN
fbem-8623	110	9	of	of	ADP
fbem-8623	110	10	large	large	ADJ
fbem-8623	110	11	numbers	number	NOUN
fbem-8623	110	12	in	in	ADP
fbem-8623	110	13	a	a	DET
fbem-8623	110	14	fairly	fairly	ADV
fbem-8623	110	15	accurate	accurate	ADJ
fbem-8623	110	16	interval	interval	NOUN
fbem-8623	110	17	,	,	PUNCT
fbem-8623	110	18	the	the	DET
fbem-8623	110	19	overall	overall	ADJ
fbem-8623	110	20	results	result	NOUN
fbem-8623	110	21	remain	remain	VERB
fbem-8623	110	22	stable	stable	ADJ
fbem-8623	110	23	for	for	ADP
fbem-8623	110	24	a	a	DET
fbem-8623	110	25	long	long	ADJ
fbem-8623	110	26	period	period	NOUN
fbem-8623	110	27	of	of	ADP
fbem-8623	110	28	time	time	NOUN
fbem-8623	110	29	.	.	PUNCT
fbem-8623	111	1	china	china	PROPN
fbem-8623	111	2	completed	complete	VERB
fbem-8623	111	3	its	its	PRON
fbem-8623	111	4	market	market	NOUN
fbem-8623	111	5	-	-	PUNCT
fbem-8623	111	6	oriented	orient	VERB
fbem-8623	111	7	management	management	NOUN
fbem-8623	111	8	as	as	ADV
fbem-8623	111	9	early	early	ADV
fbem-8623	111	10	as	as	ADP
fbem-8623	111	11	2006	2006	NUM
fbem-8623	111	12	.	.	PUNCT
fbem-8623	112	1	the	the	DET
fbem-8623	112	2	impact	impact	NOUN
fbem-8623	112	3	of	of	ADP
fbem-8623	112	4	premium	premium	ADJ
fbem-8623	112	5	difference	difference	NOUN
fbem-8623	112	6	factors	factor	NOUN
fbem-8623	112	7	on	on	ADP
fbem-8623	112	8	the	the	DET
fbem-8623	112	9	pricing	pricing	NOUN
fbem-8623	112	10	of	of	ADP
fbem-8623	112	11	life	life	NOUN
fbem-8623	112	12	insurance	insurance	NOUN
fbem-8623	112	13	products	product	NOUN
fbem-8623	112	14	is	be	AUX
fbem-8623	112	15	controllable	controllable	ADJ
fbem-8623	112	16	and	and	CCONJ
fbem-8623	112	17	limited	limited	ADJ
fbem-8623	112	18	.	.	PUNCT
fbem-8623	113	1	life	life	NOUN
fbem-8623	113	2	insurance	insurance	NOUN
fbem-8623	113	3	companies	company	NOUN
fbem-8623	113	4	participate	participate	VERB
fbem-8623	113	5	in	in	ADP
fbem-8623	113	6	market	market	NOUN
fbem-8623	113	7	competition	competition	NOUN
fbem-8623	113	8	by	by	ADP
fbem-8623	113	9	controlling	control	VERB
fbem-8623	113	10	business	business	NOUN
fbem-8623	113	11	costs	cost	NOUN
fbem-8623	113	12	,	,	PUNCT
fbem-8623	113	13	commissions	commission	NOUN
fbem-8623	113	14	and	and	CCONJ
fbem-8623	113	15	policy	policy	NOUN
fbem-8623	113	16	costs	cost	NOUN
fbem-8623	113	17	.	.	PUNCT
fbem-8623	114	1	for	for	ADP
fbem-8623	114	2	the	the	DET
fbem-8623	114	3	vicious	vicious	ADJ
fbem-8623	114	4	competition	competition	NOUN
fbem-8623	114	5	of	of	ADP
fbem-8623	114	6	enterprises	enterprise	NOUN
fbem-8623	114	7	,	,	PUNCT
fbem-8623	114	8	it	it	PRON
fbem-8623	114	9	is	be	AUX
fbem-8623	114	10	often	often	ADV
fbem-8623	114	11	extremely	extremely	ADV
fbem-8623	114	12	compressed	compressed	ADJ
fbem-8623	114	13	cost	cost	NOUN
fbem-8623	114	14	costs	cost	NOUN
fbem-8623	114	15	,	,	PUNCT
fbem-8623	114	16	rebates	rebate	NOUN
fbem-8623	114	17	and	and	CCONJ
fbem-8623	114	18	other	other	ADJ
fbem-8623	114	19	forms	form	NOUN
fbem-8623	114	20	to	to	PART
fbem-8623	114	21	obtain	obtain	VERB
fbem-8623	114	22	customer	customer	NOUN
fbem-8623	114	23	resources	resource	NOUN
fbem-8623	114	24	.	.	PUNCT
fbem-8623	115	1	under	under	ADP
fbem-8623	115	2	the	the	DET
fbem-8623	115	3	background	background	NOUN
fbem-8623	115	4	of	of	ADP
fbem-8623	115	5	the	the	DET
fbem-8623	115	6	rising	rise	VERB
fbem-8623	115	7	operating	operate	VERB
fbem-8623	115	8	costs	cost	NOUN
fbem-8623	115	9	of	of	ADP
fbem-8623	115	10	various	various	ADJ
fbem-8623	115	11	enterprises	enterprise	NOUN
fbem-8623	115	12	,	,	PUNCT
fbem-8623	115	13	it	it	PRON
fbem-8623	115	14	is	be	AUX
fbem-8623	115	15	easy	easy	ADJ
fbem-8623	115	16	to	to	PART
fbem-8623	115	17	bring	bring	VERB
fbem-8623	115	18	the	the	DET
fbem-8623	115	19	risk	risk	NOUN
fbem-8623	115	20	of	of	ADP
fbem-8623	115	21	loss	loss	NOUN
fbem-8623	115	22	.	.	PUNCT
fbem-8623	116	1	spread	spread	ADJ
fbem-8623	116	2	factor	factor	NOUN
fbem-8623	116	3	is	be	AUX
fbem-8623	116	4	an	an	DET
fbem-8623	116	5	important	important	ADJ
fbem-8623	116	6	factor	factor	NOUN
fbem-8623	116	7	affecting	affect	VERB
fbem-8623	116	8	the	the	DET
fbem-8623	116	9	pricing	pricing	NOUN
fbem-8623	116	10	of	of	ADP
fbem-8623	116	11	life	life	NOUN
fbem-8623	116	12	insurance	insurance	NOUN
fbem-8623	116	13	products	product	NOUN
fbem-8623	116	14	.	.	PUNCT
fbem-8623	117	1	it	it	PRON
fbem-8623	117	2	is	be	AUX
fbem-8623	117	3	an	an	DET
fbem-8623	117	4	uncertain	uncertain	ADJ
fbem-8623	117	5	interest	interest	NOUN
fbem-8623	117	6	rate	rate	NOUN
fbem-8623	117	7	for	for	ADP
fbem-8623	117	8	potential	potential	ADJ
fbem-8623	117	9	inflation	inflation	NOUN
fbem-8623	117	10	rate	rate	NOUN
fbem-8623	117	11	,	,	PUNCT
fbem-8623	117	12	bank	bank	NOUN
fbem-8623	117	13	deposit	deposit	NOUN
fbem-8623	117	14	rate	rate	NOUN
fbem-8623	117	15	,	,	PUNCT
fbem-8623	117	16	financial	financial	ADJ
fbem-8623	117	17	market	market	NOUN
fbem-8623	117	18	guidance	guidance	NOUN
fbem-8623	117	19	rate	rate	NOUN
fbem-8623	117	20	or	or	CCONJ
fbem-8623	117	21	actuarial	actuarial	ADJ
fbem-8623	117	22	assumed	assume	VERB
fbem-8623	117	23	interest	interest	NOUN
fbem-8623	117	24	rate	rate	NOUN
fbem-8623	117	25	assumed	assume	VERB
fbem-8623	117	26	by	by	ADP
fbem-8623	117	27	the	the	DET
fbem-8623	117	28	average	average	ADJ
fbem-8623	117	29	return	return	NOUN
fbem-8623	117	30	rate	rate	NOUN
fbem-8623	117	31	of	of	ADP
fbem-8623	117	32	industry	industry	NOUN
fbem-8623	117	33	investment	investment	NOUN
fbem-8623	117	34	.	.	PUNCT
fbem-8623	118	1	short	short	ADJ
fbem-8623	118	2	-	-	PUNCT
fbem-8623	118	3	term	term	NOUN
fbem-8623	118	4	life	life	NOUN
fbem-8623	118	5	insurance	insurance	NOUN
fbem-8623	118	6	products	product	NOUN
fbem-8623	118	7	may	may	AUX
fbem-8623	118	8	have	have	VERB
fbem-8623	118	9	little	little	ADJ
fbem-8623	118	10	impact	impact	NOUN
fbem-8623	118	11	,	,	PUNCT
fbem-8623	118	12	but	but	CCONJ
fbem-8623	118	13	for	for	ADP
fbem-8623	118	14	medium	medium	ADJ
fbem-8623	118	15	and	and	CCONJ
fbem-8623	118	16	longterm	longterm	ADJ
fbem-8623	118	17	life	life	NOUN
fbem-8623	118	18	insurance	insurance	NOUN
fbem-8623	118	19	products	product	NOUN
fbem-8623	118	20	,	,	PUNCT
fbem-8623	118	21	changes	change	NOUN
fbem-8623	118	22	in	in	ADP
fbem-8623	118	23	interest	interest	NOUN
fbem-8623	118	24	rates	rate	NOUN
fbem-8623	118	25	are	be	AUX
fbem-8623	118	26	in	in	ADP
fbem-8623	118	27	a	a	DET
fbem-8623	118	28	state	state	NOUN
fbem-8623	118	29	that	that	PRON
fbem-8623	118	30	can	can	AUX
fbem-8623	118	31	not	not	PART
fbem-8623	118	32	be	be	AUX
fbem-8623	118	33	captured	capture	VERB
fbem-8623	118	34	,	,	PUNCT
fbem-8623	118	35	and	and	CCONJ
fbem-8623	118	36	the	the	DET
fbem-8623	118	37	gap	gap	NOUN
fbem-8623	118	38	between	between	ADP
fbem-8623	118	39	actual	actual	ADJ
fbem-8623	118	40	results	result	NOUN
fbem-8623	118	41	and	and	CCONJ
fbem-8623	118	42	expectations	expectation	NOUN
fbem-8623	118	43	is	be	AUX
fbem-8623	118	44	often	often	ADV
fbem-8623	118	45	uncertain	uncertain	ADJ
fbem-8623	118	46	.	.	PUNCT
fbem-8623	119	1	the	the	DET
fbem-8623	119	2	market	market	NOUN
fbem-8623	119	3	-	-	PUNCT
fbem-8623	119	4	oriented	orient	VERB
fbem-8623	119	5	reform	reform	NOUN
fbem-8623	119	6	of	of	ADP
fbem-8623	119	7	life	life	NOUN
fbem-8623	119	8	insurance	insurance	NOUN
fbem-8623	119	9	rate	rate	NOUN
fbem-8623	119	10	is	be	AUX
fbem-8623	119	11	always	always	ADV
fbem-8623	119	12	a	a	DET
fbem-8623	119	13	dangerous	dangerous	ADJ
fbem-8623	119	14	road	road	NOUN
fbem-8623	119	15	.	.	PUNCT
fbem-8623	120	1	in	in	ADP
fbem-8623	120	2	the	the	DET
fbem-8623	120	3	early	early	ADJ
fbem-8623	120	4	days	day	NOUN
fbem-8623	120	5	,	,	PUNCT
fbem-8623	120	6	the	the	DET
fbem-8623	120	7	development	development	NOUN
fbem-8623	120	8	of	of	ADP
fbem-8623	120	9	the	the	DET
fbem-8623	120	10	life	life	NOUN
fbem-8623	120	11	insurance	insurance	NOUN
fbem-8623	120	12	industry	industry	NOUN
fbem-8623	120	13	in	in	ADP
fbem-8623	120	14	the	the	DET
fbem-8623	120	15	domestic	domestic	ADJ
fbem-8623	120	16	unified	unified	ADJ
fbem-8623	120	17	market	market	NOUN
fbem-8623	120	18	was	be	AUX
fbem-8623	120	19	single	single	ADJ
fbem-8623	120	20	,	,	PUNCT
fbem-8623	120	21	and	and	CCONJ
fbem-8623	120	22	there	there	PRON
fbem-8623	120	23	was	be	VERB
fbem-8623	120	24	no	no	DET
fbem-8623	120	25	competition	competition	NOUN
fbem-8623	120	26	outside	outside	ADV
fbem-8623	120	27	and	and	CCONJ
fbem-8623	120	28	the	the	DET
fbem-8623	120	29	endogenous	endogenous	ADJ
fbem-8623	120	30	power	power	NOUN
fbem-8623	120	31	was	be	AUX
fbem-8623	120	32	lacking	lack	VERB
fbem-8623	120	33	.	.	PUNCT
fbem-8623	121	1	foreign	foreign	ADJ
fbem-8623	121	2	insurance	insurance	NOUN
fbem-8623	121	3	companies	company	NOUN
fbem-8623	121	4	brought	bring	VERB
fbem-8623	121	5	advanced	advanced	ADJ
fbem-8623	121	6	management	management	NOUN
fbem-8623	121	7	experience	experience	NOUN
fbem-8623	121	8	and	and	CCONJ
fbem-8623	121	9	low	low	ADJ
fbem-8623	121	10	-	-	PUNCT
fbem-8623	121	11	cost	cost	NOUN
fbem-8623	121	12	operating	operating	NOUN
fbem-8623	121	13	methods	method	NOUN
fbem-8623	121	14	,	,	PUNCT
fbem-8623	121	15	which	which	PRON
fbem-8623	121	16	sounded	sound	VERB
fbem-8623	121	17	the	the	DET
fbem-8623	121	18	alarm	alarm	NOUN
fbem-8623	121	19	to	to	ADP
fbem-8623	121	20	domestic	domestic	ADJ
fbem-8623	121	21	life	life	NOUN
fbem-8623	121	22	insurance	insurance	NOUN
fbem-8623	121	23	companies	company	NOUN
fbem-8623	121	24	.	.	PUNCT
fbem-8623	122	1	non	non	ADJ
fbem-8623	122	2	-	-	ADJ
fbem-8623	122	3	standard	standard	ADJ
fbem-8623	122	4	market	market	NOUN
fbem-8623	122	5	behaviors	behavior	NOUN
fbem-8623	122	6	such	such	ADJ
fbem-8623	122	7	as	as	ADP
fbem-8623	122	8	high	high	ADJ
fbem-8623	122	9	procedures	procedure	NOUN
fbem-8623	122	10	,	,	PUNCT
fbem-8623	122	11	high	high	ADJ
fbem-8623	122	12	returns	return	NOUN
fbem-8623	122	13	,	,	PUNCT
fbem-8623	122	14	low	low	ADJ
fbem-8623	122	15	-	-	PUNCT
fbem-8623	122	16	rate	rate	NOUN
fbem-8623	122	17	price	price	NOUN
fbem-8623	122	18	competition	competition	NOUN
fbem-8623	122	19	,	,	PUNCT
fbem-8623	122	20	intellectual	intellectual	ADJ
fbem-8623	122	21	property	property	NOUN
fbem-8623	122	22	infringement	infringement	NOUN
fbem-8623	122	23	,	,	PUNCT
fbem-8623	122	24	theft	theft	NOUN
fbem-8623	122	25	of	of	ADP
fbem-8623	122	26	commercial	commercial	ADJ
fbem-8623	122	27	secrets	secret	NOUN
fbem-8623	122	28	,	,	PUNCT
fbem-8623	122	29	and	and	CCONJ
fbem-8623	122	30	administrative	administrative	ADJ
fbem-8623	122	31	intervention	intervention	NOUN
fbem-8623	122	32	have	have	VERB
fbem-8623	122	33	a	a	DET
fbem-8623	122	34	great	great	ADJ
fbem-8623	122	35	impact	impact	NOUN
fbem-8623	122	36	on	on	ADP
fbem-8623	122	37	the	the	DET
fbem-8623	122	38	operational	operational	ADJ
fbem-8623	122	39	stability	stability	NOUN
fbem-8623	122	40	of	of	ADP
fbem-8623	122	41	life	life	NOUN
fbem-8623	122	42	insurance	insurance	NOUN
fbem-8623	122	43	companies	company	NOUN
fbem-8623	122	44	.	.	PUNCT
fbem-8623	123	1	problems	problem	NOUN
fbem-8623	123	2	such	such	ADJ
fbem-8623	123	3	as	as	ADP
fbem-8623	123	4	insufficient	insufficient	ADJ
fbem-8623	123	5	solvency	solvency	NOUN
fbem-8623	123	6	and	and	CCONJ
fbem-8623	123	7	high	high	ADJ
fbem-8623	123	8	surrender	surrender	NOUN
fbem-8623	123	9	rates	rate	NOUN
fbem-8623	123	10	are	be	AUX
fbem-8623	123	11	prominent	prominent	ADJ
fbem-8623	123	12	.	.	PUNCT
fbem-8623	124	1	to	to	PART
fbem-8623	124	2	guard	guard	VERB
fbem-8623	124	3	against	against	ADP
fbem-8623	124	4	industry	industry	NOUN
fbem-8623	124	5	risks	risk	NOUN
fbem-8623	124	6	,	,	PUNCT
fbem-8623	124	7	from	from	ADP
fbem-8623	124	8	the	the	DET
fbem-8623	124	9	constraints	constraint	NOUN
fbem-8623	124	10	on	on	ADP
fbem-8623	124	11	free	free	ADJ
fbem-8623	124	12	pricing	pricing	NOUN
fbem-8623	124	13	,	,	PUNCT
fbem-8623	124	14	the	the	DET
fbem-8623	124	15	industry	industry	NOUN
fbem-8623	124	16	began	begin	VERB
fbem-8623	124	17	to	to	PART
fbem-8623	124	18	govern	govern	VERB
fbem-8623	124	19	the	the	DET
fbem-8623	124	20	interest	interest	NOUN
fbem-8623	124	21	rate	rate	NOUN
fbem-8623	124	22	.	.	PUNCT
fbem-8623	125	1	however	however	ADV
fbem-8623	125	2	,	,	PUNCT
fbem-8623	125	3	due	due	ADP
fbem-8623	125	4	to	to	ADP
fbem-8623	125	5	the	the	DET
fbem-8623	125	6	constraint	constraint	NOUN
fbem-8623	125	7	of	of	ADP
fbem-8623	125	8	product	product	NOUN
fbem-8623	125	9	interest	interest	NOUN
fbem-8623	125	10	rate	rate	NOUN
fbem-8623	125	11	,	,	PUNCT
fbem-8623	125	12	the	the	DET
fbem-8623	125	13	whole	whole	ADJ
fbem-8623	125	14	industry	industry	NOUN
fbem-8623	125	15	has	have	AUX
fbem-8623	125	16	been	be	AUX
fbem-8623	125	17	producing	produce	VERB
fbem-8623	125	18	in	in	ADP
fbem-8623	125	19	a	a	DET
fbem-8623	125	20	mold	mold	NOUN
fbem-8623	125	21	for	for	ADP
fbem-8623	125	22	14	14	NUM
fbem-8623	125	23	years	year	NOUN
fbem-8623	125	24	.	.	PUNCT
fbem-8623	126	1	the	the	DET
fbem-8623	126	2	development	development	NOUN
fbem-8623	126	3	of	of	ADP
fbem-8623	126	4	life	life	NOUN
fbem-8623	126	5	insurance	insurance	NOUN
fbem-8623	126	6	industry	industry	NOUN
fbem-8623	126	7	is	be	AUX
fbem-8623	126	8	facing	face	VERB
fbem-8623	126	9	problems	problem	NOUN
fbem-8623	126	10	such	such	ADJ
fbem-8623	126	11	as	as	ADP
fbem-8623	126	12	insufficient	insufficient	ADJ
fbem-8623	126	13	innovation	innovation	NOUN
fbem-8623	126	14	,	,	PUNCT
fbem-8623	126	15	insufficient	insufficient	ADJ
fbem-8623	126	16	guarantee	guarantee	NOUN
fbem-8623	126	17	and	and	CCONJ
fbem-8623	126	18	serious	serious	ADJ
fbem-8623	126	19	product	product	NOUN
fbem-8623	126	20	homogeneity	homogeneity	NOUN
fbem-8623	126	21	.	.	PUNCT
fbem-8623	127	1	(	(	PUNCT
fbem-8623	127	2	1	1	X
fbem-8623	127	3	)	)	PUNCT
fbem-8623	127	4	establish	establish	VERB
fbem-8623	127	5	a	a	DET
fbem-8623	127	6	scientific	scientific	ADJ
fbem-8623	127	7	rate	rate	NOUN
fbem-8623	127	8	management	management	NOUN
fbem-8623	127	9	mechanism	mechanism	NOUN
fbem-8623	127	10	and	and	CCONJ
fbem-8623	127	11	strengthen	strengthen	VERB
fbem-8623	127	12	the	the	DET
fbem-8623	127	13	construction	construction	NOUN
fbem-8623	127	14	of	of	ADP
fbem-8623	127	15	actuarial	actuarial	ADJ
fbem-8623	127	16	system[5	system[5	NOUN
fbem-8623	127	17	]	]	PUNCT
fbem-8623	127	18	.	.	PUNCT
fbem-8623	128	1	a	a	DET
fbem-8623	128	2	sound	sound	ADJ
fbem-8623	128	3	rate	rate	NOUN
fbem-8623	128	4	management	management	NOUN
fbem-8623	128	5	mechanism	mechanism	NOUN
fbem-8623	128	6	is	be	AUX
fbem-8623	128	7	an	an	DET
fbem-8623	128	8	indispensable	indispensable	ADJ
fbem-8623	128	9	part	part	NOUN
fbem-8623	128	10	of	of	ADP
fbem-8623	128	11	the	the	DET
fbem-8623	128	12	industry	industry	NOUN
fbem-8623	128	13	's	's	PART
fbem-8623	128	14	pursuit	pursuit	NOUN
fbem-8623	128	15	of	of	ADP
fbem-8623	128	16	rate	rate	NOUN
fbem-8623	128	17	field	field	NOUN
fbem-8623	128	18	development	development	NOUN
fbem-8623	128	19	.	.	PUNCT
fbem-8623	129	1	life	life	NOUN
fbem-8623	129	2	insurance	insurance	NOUN
fbem-8623	129	3	actuarial	actuarial	NOUN
fbem-8623	129	4	is	be	AUX
fbem-8623	129	5	the	the	DET
fbem-8623	129	6	basis	basis	NOUN
fbem-8623	129	7	for	for	ADP
fbem-8623	129	8	insurance	insurance	NOUN
fbem-8623	129	9	rate	rate	NOUN
fbem-8623	129	10	formulation	formulation	NOUN
fbem-8623	129	11	.	.	PUNCT
fbem-8623	130	1	this	this	PRON
fbem-8623	130	2	is	be	AUX
fbem-8623	130	3	a	a	DET
fbem-8623	130	4	system	system	NOUN
fbem-8623	130	5	of	of	ADP
fbem-8623	130	6	scientific	scientific	ADJ
fbem-8623	130	7	division	division	NOUN
fbem-8623	130	8	of	of	ADP
fbem-8623	130	9	labor	labor	NOUN
fbem-8623	130	10	jointly	jointly	ADV
fbem-8623	130	11	participated	participate	VERB
fbem-8623	130	12	by	by	ADP
fbem-8623	130	13	various	various	ADJ
fbem-8623	130	14	entities	entity	NOUN
fbem-8623	130	15	of	of	ADP
fbem-8623	130	16	the	the	DET
fbem-8623	130	17	industry	industry	NOUN
fbem-8623	130	18	,	,	PUNCT
fbem-8623	130	19	including	include	VERB
fbem-8623	130	20	insurance	insurance	NOUN
fbem-8623	130	21	regulatory	regulatory	ADJ
fbem-8623	130	22	agencies	agency	NOUN
fbem-8623	130	23	,	,	PUNCT
fbem-8623	130	24	insurance	insurance	NOUN
fbem-8623	130	25	companies	company	NOUN
fbem-8623	130	26	,	,	PUNCT
fbem-8623	130	27	industry	industry	NOUN
fbem-8623	130	28	associations	association	NOUN
fbem-8623	130	29	,	,	PUNCT
fbem-8623	130	30	and	and	CCONJ
fbem-8623	130	31	intermediary	intermediary	ADJ
fbem-8623	130	32	companies	company	NOUN
fbem-8623	130	33	.	.	PUNCT
fbem-8623	131	1	strict	strict	ADJ
fbem-8623	131	2	,	,	PUNCT
fbem-8623	131	3	fair	fair	ADJ
fbem-8623	131	4	and	and	CCONJ
fbem-8623	131	5	open	open	ADJ
fbem-8623	131	6	information	information	NOUN
fbem-8623	131	7	disclosure	disclosure	NOUN
fbem-8623	131	8	,	,	PUNCT
fbem-8623	131	9	product	product	NOUN
fbem-8623	131	10	reporting	reporting	NOUN
fbem-8623	131	11	,	,	PUNCT
fbem-8623	131	12	life	life	NOUN
fbem-8623	131	13	insurance	insurance	NOUN
fbem-8623	131	14	clauses	clause	NOUN
fbem-8623	131	15	and	and	CCONJ
fbem-8623	131	16	rate	rate	NOUN
fbem-8623	131	17	basis	basis	NOUN
fbem-8623	131	18	implemented	implement	VERB
fbem-8623	131	19	according	accord	VERB
fbem-8623	131	20	to	to	ADP
fbem-8623	131	21	law	law	NOUN
fbem-8623	131	22	are	be	AUX
fbem-8623	131	23	necessary	necessary	ADJ
fbem-8623	131	24	prerequisites	prerequisite	NOUN
fbem-8623	131	25	for	for	ADP
fbem-8623	131	26	promoting	promote	VERB
fbem-8623	131	27	the	the	DET
fbem-8623	131	28	stable	stable	ADJ
fbem-8623	131	29	development	development	NOUN
fbem-8623	131	30	of	of	ADP
fbem-8623	131	31	the	the	DET
fbem-8623	131	32	industry	industry	NOUN
fbem-8623	131	33	.	.	PUNCT
fbem-8623	132	1	the	the	DET
fbem-8623	132	2	loose	loose	ADJ
fbem-8623	132	3	market	market	NOUN
fbem-8623	132	4	under	under	ADP
fbem-8623	132	5	supervision	supervision	NOUN
fbem-8623	132	6	is	be	AUX
fbem-8623	132	7	the	the	DET
fbem-8623	132	8	hotbed	hotbed	NOUN
fbem-8623	132	9	of	of	ADP
fbem-8623	132	10	industry	industry	NOUN
fbem-8623	132	11	development	development	NOUN
fbem-8623	132	12	.	.	PUNCT
fbem-8623	133	1	in	in	ADP
fbem-8623	133	2	terms	term	NOUN
fbem-8623	133	3	of	of	ADP
fbem-8623	133	4	rate	rate	NOUN
fbem-8623	133	5	and	and	CCONJ
fbem-8623	133	6	clause	clause	NOUN
fbem-8623	133	7	design	design	NOUN
fbem-8623	133	8	,	,	PUNCT
fbem-8623	133	9	we	we	PRON
fbem-8623	133	10	will	will	AUX
fbem-8623	133	11	change	change	VERB
fbem-8623	133	12	the	the	DET
fbem-8623	133	13	tradition	tradition	NOUN
fbem-8623	133	14	of	of	ADP
fbem-8623	133	15	simply	simply	ADV
fbem-8623	133	16	obtaining	obtain	VERB
fbem-8623	133	17	competition	competition	NOUN
fbem-8623	133	18	through	through	ADP
fbem-8623	133	19	preferential	preferential	ADJ
fbem-8623	133	20	prices	price	NOUN
fbem-8623	133	21	,	,	PUNCT
fbem-8623	133	22	truly	truly	ADV
fbem-8623	133	23	based	base	VERB
fbem-8623	133	24	on	on	ADP
fbem-8623	133	25	meeting	meet	VERB
fbem-8623	133	26	market	market	NOUN
fbem-8623	133	27	demand	demand	NOUN
fbem-8623	133	28	and	and	CCONJ
fbem-8623	133	29	serving	serve	VERB
fbem-8623	133	30	customers	customer	NOUN
fbem-8623	133	31	,	,	PUNCT
fbem-8623	133	32	preventing	prevent	VERB
fbem-8623	133	33	risks	risk	NOUN
fbem-8623	133	34	,	,	PUNCT
fbem-8623	133	35	and	and	CCONJ
fbem-8623	133	36	absorbing	absorb	VERB
fbem-8623	133	37	excellent	excellent	ADJ
fbem-8623	133	38	theoretical	theoretical	ADJ
fbem-8623	133	39	and	and	CCONJ
fbem-8623	133	40	practical	practical	ADJ
fbem-8623	133	41	achievements	achievement	NOUN
fbem-8623	133	42	at	at	ADP
fbem-8623	133	43	home	home	NOUN
fbem-8623	133	44	and	and	CCONJ
fbem-8623	133	45	abroad	abroad	ADV
fbem-8623	133	46	to	to	PART
fbem-8623	133	47	create	create	VERB
fbem-8623	133	48	a	a	DET
fbem-8623	133	49	life	life	NOUN
fbem-8623	133	50	insurance	insurance	NOUN
fbem-8623	133	51	actuarial	actuarial	ADJ
fbem-8623	133	52	basis	basis	NOUN
fbem-8623	133	53	that	that	PRON
fbem-8623	133	54	is	be	AUX
fbem-8623	133	55	truly	truly	ADV
fbem-8623	133	56	suitable	suitable	ADJ
fbem-8623	133	57	for	for	ADP
fbem-8623	133	58	national	national	ADJ
fbem-8623	133	59	conditions	condition	NOUN
fbem-8623	133	60	.	.	PUNCT
fbem-8623	134	1	(	(	PUNCT
fbem-8623	134	2	2	2	X
fbem-8623	134	3	)	)	PUNCT
fbem-8623	134	4	improve	improve	VERB
fbem-8623	134	5	the	the	DET
fbem-8623	134	6	insurance	insurance	NOUN
fbem-8623	134	7	company	company	NOUN
fbem-8623	134	8	product	product	NOUN
fbem-8623	134	9	,	,	PUNCT
fbem-8623	134	10	service	service	NOUN
fbem-8623	134	11	and	and	CCONJ
fbem-8623	134	12	marketing	marketing	NOUN
fbem-8623	134	13	innovation	innovation	NOUN
fbem-8623	134	14	ability	ability	NOUN
fbem-8623	134	15	.	.	PUNCT
fbem-8623	135	1	the	the	DET
fbem-8623	135	2	purpose	purpose	NOUN
fbem-8623	135	3	of	of	ADP
fbem-8623	135	4	improving	improve	VERB
fbem-8623	135	5	the	the	DET
fbem-8623	135	6	product	product	NOUN
fbem-8623	135	7	pricing	pricing	NOUN
fbem-8623	135	8	mechanism	mechanism	NOUN
fbem-8623	135	9	is	be	AUX
fbem-8623	135	10	to	to	PART
fbem-8623	135	11	sell	sell	VERB
fbem-8623	135	12	products	product	NOUN
fbem-8623	135	13	and	and	CCONJ
fbem-8623	135	14	obtain	obtain	VERB
fbem-8623	135	15	profits	profit	NOUN
fbem-8623	135	16	.	.	PUNCT
fbem-8623	136	1	strengthen	strengthen	VERB
fbem-8623	136	2	the	the	DET
fbem-8623	136	3	selling	selling	NOUN
fbem-8623	136	4	point	point	NOUN
fbem-8623	136	5	characteristics	characteristic	NOUN
fbem-8623	136	6	of	of	ADP
fbem-8623	136	7	life	life	NOUN
fbem-8623	136	8	insurance	insurance	NOUN
fbem-8623	136	9	company	company	NOUN
fbem-8623	136	10	products	product	NOUN
fbem-8623	136	11	,	,	PUNCT
fbem-8623	136	12	strengthen	strengthen	VERB
fbem-8623	136	13	the	the	DET
fbem-8623	136	14	packaging	packaging	NOUN
fbem-8623	136	15	of	of	ADP
fbem-8623	136	16	insurance	insurance	NOUN
fbem-8623	136	17	products	product	NOUN
fbem-8623	136	18	to	to	PART
fbem-8623	136	19	make	make	VERB
fbem-8623	136	20	the	the	DET
fbem-8623	136	21	terms	term	NOUN
fbem-8623	136	22	clearer	clear	ADJ
fbem-8623	136	23	and	and	CCONJ
fbem-8623	136	24	easier	easy	ADJ
fbem-8623	136	25	to	to	PART
fbem-8623	136	26	understand	understand	VERB
fbem-8623	136	27	,	,	PUNCT
fbem-8623	136	28	simplify	simplify	VERB
fbem-8623	136	29	and	and	CCONJ
fbem-8623	136	30	optimize	optimize	VERB
fbem-8623	136	31	the	the	DET
fbem-8623	136	32	insurance	insurance	NOUN
fbem-8623	136	33	process	process	NOUN
fbem-8623	136	34	to	to	PART
fbem-8623	136	35	facilitate	facilitate	VERB
fbem-8623	136	36	the	the	DET
fbem-8623	136	37	service	service	NOUN
fbem-8623	136	38	of	of	ADP
fbem-8623	136	39	customers	customer	NOUN
fbem-8623	136	40	.	.	PUNCT
fbem-8623	137	1	develop	develop	VERB
fbem-8623	137	2	marketing	marketing	NOUN
fbem-8623	137	3	channels	channel	NOUN
fbem-8623	137	4	,	,	PUNCT
fbem-8623	137	5	strengthen	strengthen	VERB
fbem-8623	137	6	cooperation	cooperation	NOUN
fbem-8623	137	7	between	between	ADP
fbem-8623	137	8	banks	bank	NOUN
fbem-8623	137	9	and	and	CCONJ
fbem-8623	137	10	insurance	insurance	NOUN
fbem-8623	137	11	companies	company	NOUN
fbem-8623	137	12	,	,	PUNCT
fbem-8623	137	13	and	and	CCONJ
fbem-8623	137	14	give	give	VERB
fbem-8623	137	15	full	full	ADJ
fbem-8623	137	16	play	play	NOUN
fbem-8623	137	17	to	to	ADP
fbem-8623	137	18	the	the	DET
fbem-8623	137	19	role	role	NOUN
fbem-8623	137	20	of	of	ADP
fbem-8623	137	21	various	various	ADJ
fbem-8623	137	22	insurance	insurance	NOUN
fbem-8623	137	23	intermediaries	intermediary	NOUN
fbem-8623	137	24	in	in	ADP
fbem-8623	137	25	product	product	NOUN
fbem-8623	137	26	marketing	marketing	NOUN
fbem-8623	137	27	.	.	PUNCT
fbem-8623	138	1	5.2	5.2	NUM
fbem-8623	138	2	.	.	PUNCT
fbem-8623	139	1	strengthen	strengthen	VERB
fbem-8623	139	2	the	the	DET
fbem-8623	139	3	use	use	NOUN
fbem-8623	139	4	of	of	ADP
fbem-8623	139	5	funds	fund	NOUN
fbem-8623	139	6	,	,	PUNCT
fbem-8623	139	7	enhance	enhance	VERB
fbem-8623	139	8	investment	investment	NOUN
fbem-8623	139	9	and	and	CCONJ
fbem-8623	139	10	financial	financial	ADJ
fbem-8623	139	11	means	mean	VERB
fbem-8623	139	12	the	the	DET
fbem-8623	139	13	low	low	ADJ
fbem-8623	139	14	interest	interest	NOUN
fbem-8623	139	15	rate	rate	NOUN
fbem-8623	139	16	environment	environment	NOUN
fbem-8623	139	17	reduces	reduce	VERB
fbem-8623	139	18	the	the	DET
fbem-8623	139	19	profitability	profitability	NOUN
fbem-8623	139	20	of	of	ADP
fbem-8623	139	21	life	life	NOUN
fbem-8623	139	22	insurance	insurance	NOUN
fbem-8623	139	23	companies	company	NOUN
fbem-8623	139	24	and	and	CCONJ
fbem-8623	139	25	increases	increase	VERB
fbem-8623	139	26	operational	operational	ADJ
fbem-8623	139	27	risks	risk	NOUN
fbem-8623	139	28	.	.	PUNCT
fbem-8623	140	1	in	in	ADP
fbem-8623	140	2	the	the	DET
fbem-8623	140	3	face	face	NOUN
fbem-8623	140	4	of	of	ADP
fbem-8623	140	5	the	the	DET
fbem-8623	140	6	challenges	challenge	NOUN
fbem-8623	140	7	brought	bring	VERB
fbem-8623	140	8	by	by	ADP
fbem-8623	140	9	the	the	DET
fbem-8623	140	10	interest	interest	NOUN
fbem-8623	140	11	rate	rate	NOUN
fbem-8623	140	12	downturn	downturn	NOUN
fbem-8623	140	13	,	,	PUNCT
fbem-8623	140	14	slowing	slow	VERB
fbem-8623	140	15	economic	economic	ADJ
fbem-8623	140	16	growth	growth	NOUN
fbem-8623	140	17	and	and	CCONJ
fbem-8623	140	18	the	the	DET
fbem-8623	140	19	new	new	ADJ
fbem-8623	140	20	coronavirus	coronavirus	NOUN
fbem-8623	140	21	epidemic	epidemic	NOUN
fbem-8623	140	22	,	,	PUNCT
fbem-8623	140	23	life	life	NOUN
fbem-8623	140	24	insurance	insurance	NOUN
fbem-8623	140	25	companies	company	NOUN
fbem-8623	140	26	should	should	AUX
fbem-8623	140	27	review	review	VERB
fbem-8623	140	28	the	the	DET
fbem-8623	140	29	situation	situation	NOUN
fbem-8623	140	30	,	,	PUNCT
fbem-8623	140	31	change	change	VERB
fbem-8623	140	32	their	their	PRON
fbem-8623	140	33	production	production	NOUN
fbem-8623	140	34	and	and	CCONJ
fbem-8623	140	35	management	management	NOUN
fbem-8623	140	36	concepts	concept	NOUN
fbem-8623	140	37	,	,	PUNCT
fbem-8623	140	38	adjust	adjust	VERB
fbem-8623	140	39	their	their	PRON
fbem-8623	140	40	risk	risk	NOUN
fbem-8623	140	41	management	management	NOUN
fbem-8623	140	42	ideas	idea	NOUN
fbem-8623	140	43	,	,	PUNCT
fbem-8623	140	44	and	and	CCONJ
fbem-8623	140	45	adopt	adopt	VERB
fbem-8623	140	46	practical	practical	ADJ
fbem-8623	140	47	countermeasures	countermeasure	NOUN
fbem-8623	140	48	to	to	PART
fbem-8623	140	49	deal	deal	VERB
fbem-8623	140	50	with	with	ADP
fbem-8623	140	51	risks	risk	NOUN
fbem-8623	140	52	.	.	PUNCT
fbem-8623	141	1	as	as	SCONJ
fbem-8623	141	2	the	the	DET
fbem-8623	141	3	global	global	ADJ
fbem-8623	141	4	novel	novel	ADJ
fbem-8623	141	5	coronavirus	coronavirus	NOUN
fbem-8623	141	6	pneumonia	pneumonia	NOUN
fbem-8623	141	7	spreads	spread	VERB
fbem-8623	141	8	in	in	ADP
fbem-8623	141	9	2020	2020	NUM
fbem-8623	141	10	,	,	PUNCT
fbem-8623	141	11	china	china	PROPN
fbem-8623	141	12	life	life	NOUN
fbem-8623	141	13	has	have	AUX
fbem-8623	141	14	achieved	achieve	VERB
fbem-8623	141	15	a	a	DET
fbem-8623	141	16	net	net	ADJ
fbem-8623	141	17	profit	profit	NOUN
fbem-8623	141	18	growth	growth	NOUN
fbem-8623	141	19	rate	rate	NOUN
fbem-8623	141	20	of	of	ADP
fbem-8623	141	21	411.5	411.5	NUM
fbem-8623	141	22	%	%	NOUN
fbem-8623	141	23	,	,	PUNCT
fbem-8623	141	24	which	which	PRON
fbem-8623	141	25	has	have	AUX
fbem-8623	141	26	contributed	contribute	VERB
fbem-8623	141	27	greatly	greatly	ADV
fbem-8623	141	28	to	to	ADP
fbem-8623	141	29	the	the	DET
fbem-8623	141	30	effective	effective	ADJ
fbem-8623	141	31	control	control	NOUN
fbem-8623	141	32	of	of	ADP
fbem-8623	141	33	the	the	DET
fbem-8623	141	34	investment	investment	NOUN
fbem-8623	141	35	side	side	NOUN
fbem-8623	141	36	.	.	PUNCT
fbem-8623	142	1	on	on	ADP
fbem-8623	142	2	the	the	DET
fbem-8623	142	3	occasion	occasion	NOUN
fbem-8623	142	4	of	of	ADP
fbem-8623	142	5	optimizing	optimize	VERB
fbem-8623	142	6	the	the	DET
fbem-8623	142	7	underwriting	underwriting	NOUN
fbem-8623	142	8	side	side	NOUN
fbem-8623	142	9	,	,	PUNCT
fbem-8623	142	10	actively	actively	ADV
fbem-8623	142	11	grasp	grasp	VERB
fbem-8623	142	12	the	the	DET
fbem-8623	142	13	opportunities	opportunity	NOUN
fbem-8623	142	14	of	of	ADP
fbem-8623	142	15	the	the	DET
fbem-8623	142	16	investment	investment	NOUN
fbem-8623	142	17	side	side	NOUN
fbem-8623	142	18	to	to	PART
fbem-8623	142	19	achieve	achieve	VERB
fbem-8623	142	20	investment	investment	NOUN
fbem-8623	142	21	returns	return	NOUN
fbem-8623	142	22	.	.	PUNCT
fbem-8623	143	1	(	(	PUNCT
fbem-8623	143	2	1	1	X
fbem-8623	143	3	)	)	PUNCT
fbem-8623	143	4	diversified	diversify	VERB
fbem-8623	143	5	investment	investment	NOUN
fbem-8623	143	6	strategy	strategy	NOUN
fbem-8623	143	7	,	,	PUNCT
fbem-8623	143	8	wide	wide	ADJ
fbem-8623	143	9	channel	channel	NOUN
fbem-8623	143	10	financial	financial	ADJ
fbem-8623	143	11	management	management	NOUN
fbem-8623	143	12	means	mean	VERB
fbem-8623	143	13	at	at	ADP
fbem-8623	143	14	present	present	NOUN
fbem-8623	143	15	,	,	PUNCT
fbem-8623	143	16	the	the	DET
fbem-8623	143	17	main	main	ADJ
fbem-8623	143	18	channel	channel	NOUN
fbem-8623	143	19	for	for	ADP
fbem-8623	143	20	life	life	NOUN
fbem-8623	143	21	insurance	insurance	NOUN
fbem-8623	143	22	companies	company	NOUN
fbem-8623	143	23	to	to	PART
fbem-8623	143	24	invest	invest	VERB
fbem-8623	143	25	is	be	AUX
fbem-8623	143	26	the	the	DET
fbem-8623	143	27	bond	bond	NOUN
fbem-8623	143	28	market	market	NOUN
fbem-8623	143	29	.	.	PUNCT
fbem-8623	144	1	with	with	ADP
fbem-8623	144	2	the	the	DET
fbem-8623	144	3	gradual	gradual	ADJ
fbem-8623	144	4	liberalization	liberalization	NOUN
fbem-8623	144	5	of	of	ADP
fbem-8623	144	6	the	the	DET
fbem-8623	144	7	country	country	NOUN
fbem-8623	144	8	's	's	PART
fbem-8623	144	9	channels	channel	NOUN
fbem-8623	144	10	for	for	ADP
fbem-8623	144	11	the	the	DET
fbem-8623	144	12	use	use	NOUN
fbem-8623	144	13	of	of	ADP
fbem-8623	144	14	insurance	insurance	NOUN
fbem-8623	144	15	funds	fund	NOUN
fbem-8623	144	16	,	,	PUNCT
fbem-8623	144	17	the	the	DET
fbem-8623	144	18	current	current	ADJ
fbem-8623	144	19	life	life	NOUN
fbem-8623	144	20	insurance	insurance	NOUN
fbem-8623	144	21	companies	company	NOUN
fbem-8623	144	22	can	can	AUX
fbem-8623	144	23	participate	participate	VERB
fbem-8623	144	24	more	more	ADV
fbem-8623	144	25	fully	fully	ADV
fbem-8623	144	26	and	and	CCONJ
fbem-8623	144	27	more	more	ADV
fbem-8623	144	28	actively	actively	ADV
fbem-8623	144	29	in	in	ADP
fbem-8623	144	30	the	the	DET
fbem-8623	144	31	entire	entire	ADJ
fbem-8623	144	32	capital	capital	NOUN
fbem-8623	144	33	market	market	NOUN
fbem-8623	144	34	,	,	PUNCT
fbem-8623	144	35	promote	promote	VERB
fbem-8623	144	36	positive	positive	ADJ
fbem-8623	144	37	interaction	interaction	NOUN
fbem-8623	144	38	with	with	ADP
fbem-8623	144	39	the	the	DET
fbem-8623	144	40	fund	fund	NOUN
fbem-8623	144	41	market	market	NOUN
fbem-8623	144	42	,	,	PUNCT
fbem-8623	144	43	money	money	NOUN
fbem-8623	144	44	market	market	NOUN
fbem-8623	144	45	,	,	PUNCT
fbem-8623	144	46	derivatives	derivative	NOUN
fbem-8623	144	47	market	market	NOUN
fbem-8623	144	48	,	,	PUNCT
fbem-8623	144	49	etc	etc	X
fbem-8623	144	50	.	.	X
fbem-8623	144	51	,	,	PUNCT
fbem-8623	144	52	and	and	CCONJ
fbem-8623	144	53	attach	attach	VERB
fbem-8623	144	54	importance	importance	NOUN
fbem-8623	144	55	to	to	ADP
fbem-8623	144	56	the	the	DET
fbem-8623	144	57	investment	investment	NOUN
fbem-8623	144	58	benefits	benefit	NOUN
fbem-8623	144	59	of	of	ADP
fbem-8623	144	60	equity	equity	NOUN
fbem-8623	144	61	assets	asset	NOUN
fbem-8623	144	62	.	.	PUNCT
fbem-8623	145	1	at	at	ADP
fbem-8623	145	2	the	the	DET
fbem-8623	145	3	same	same	ADJ
fbem-8623	145	4	time	time	NOUN
fbem-8623	145	5	,	,	PUNCT
fbem-8623	145	6	in	in	ADP
fbem-8623	145	7	the	the	DET
fbem-8623	145	8	construction	construction	NOUN
fbem-8623	145	9	of	of	ADP
fbem-8623	145	10	an	an	DET
fbem-8623	145	11	international	international	ADJ
fbem-8623	145	12	and	and	CCONJ
fbem-8623	145	13	domestic	domestic	ADJ
fbem-8623	145	14	dual	dual	ADJ
fbem-8623	145	15	cycle	cycle	NOUN
fbem-8623	145	16	development	development	NOUN
fbem-8623	145	17	system	system	NOUN
fbem-8623	145	18	,	,	PUNCT
fbem-8623	145	19	life	life	NOUN
fbem-8623	145	20	insurance	insurance	NOUN
fbem-8623	145	21	companies	company	NOUN
fbem-8623	145	22	can	can	AUX
fbem-8623	145	23	use	use	VERB
fbem-8623	145	24	the	the	DET
fbem-8623	145	25	capital	capital	NOUN
fbem-8623	145	26	of	of	ADP
fbem-8623	145	27	the	the	DET
fbem-8623	145	28	international	international	ADJ
fbem-8623	145	29	capital	capital	NOUN
fbem-8623	145	30	market	market	NOUN
fbem-8623	145	31	for	for	ADP
fbem-8623	145	32	their	their	PRON
fbem-8623	145	33	own	own	ADJ
fbem-8623	145	34	development	development	NOUN
fbem-8623	145	35	.	.	PUNCT
fbem-8623	146	1	(	(	PUNCT
fbem-8623	146	2	2	2	X
fbem-8623	146	3	)	)	PUNCT
fbem-8623	146	4	optimize	optimize	VERB
fbem-8623	146	5	the	the	DET
fbem-8623	146	6	organizational	organizational	ADJ
fbem-8623	146	7	structure	structure	NOUN
fbem-8623	146	8	,	,	PUNCT
fbem-8623	146	9	improve	improve	VERB
fbem-8623	146	10	the	the	DET
fbem-8623	146	11	level	level	NOUN
fbem-8623	146	12	of	of	ADP
fbem-8623	146	13	asset	asset	NOUN
fbem-8623	146	14	liability	liability	NOUN
fbem-8623	146	15	management	management	NOUN
fbem-8623	146	16	while	while	SCONJ
fbem-8623	146	17	paying	pay	VERB
fbem-8623	146	18	attention	attention	NOUN
fbem-8623	146	19	to	to	ADP
fbem-8623	146	20	investment	investment	NOUN
fbem-8623	146	21	and	and	CCONJ
fbem-8623	146	22	financial	financial	ADJ
fbem-8623	146	23	management	management	NOUN
fbem-8623	146	24	channels	channel	NOUN
fbem-8623	146	25	,	,	PUNCT
fbem-8623	146	26	it	it	PRON
fbem-8623	146	27	is	be	AUX
fbem-8623	146	28	also	also	ADV
fbem-8623	146	29	necessary	necessary	ADJ
fbem-8623	146	30	to	to	PART
fbem-8623	146	31	strengthen	strengthen	VERB
fbem-8623	146	32	the	the	DET
fbem-8623	146	33	company	company	NOUN
fbem-8623	146	34	's	's	PART
fbem-8623	146	35	own	own	ADJ
fbem-8623	146	36	management	management	NOUN
fbem-8623	146	37	capabilities	capability	NOUN
fbem-8623	146	38	,	,	PUNCT
fbem-8623	146	39	optimize	optimize	VERB
fbem-8623	146	40	the	the	DET
fbem-8623	146	41	organizational	organizational	ADJ
fbem-8623	146	42	structure	structure	NOUN
fbem-8623	146	43	,	,	PUNCT
fbem-8623	146	44	and	and	CCONJ
fbem-8623	146	45	improve	improve	VERB
fbem-8623	146	46	asset	asset	NOUN
fbem-8623	146	47	liability	liability	NOUN
fbem-8623	146	48	management	management	NOUN
fbem-8623	146	49	technology	technology	NOUN
fbem-8623	146	50	.	.	PUNCT
fbem-8623	147	1	for	for	ADP
fbem-8623	147	2	asset	asset	NOUN
fbem-8623	147	3	management	management	NOUN
fbem-8623	147	4	technologies	technology	NOUN
fbem-8623	147	5	such	such	ADJ
fbem-8623	147	6	as	as	ADP
fbem-8623	147	7	cash	cash	NOUN
fbem-8623	147	8	flow	flow	NOUN
fbem-8623	147	9	detection	detection	NOUN
fbem-8623	147	10	,	,	PUNCT
fbem-8623	147	11	cash	cash	NOUN
fbem-8623	147	12	flow	flow	NOUN
fbem-8623	147	13	matching	matching	NOUN
fbem-8623	147	14	,	,	PUNCT
fbem-8623	147	15	207	207	NUM
fbem-8623	147	16	immunization	immunization	NOUN
fbem-8623	147	17	,	,	PUNCT
fbem-8623	147	18	and	and	CCONJ
fbem-8623	147	19	dynamic	dynamic	ADJ
fbem-8623	147	20	financial	financial	ADJ
fbem-8623	147	21	analysis	analysis	NOUN
fbem-8623	147	22	in	in	ADP
fbem-8623	147	23	the	the	DET
fbem-8623	147	24	international	international	ADJ
fbem-8623	147	25	market	market	NOUN
fbem-8623	147	26	,	,	PUNCT
fbem-8623	147	27	relying	rely	VERB
fbem-8623	147	28	on	on	ADP
fbem-8623	147	29	the	the	DET
fbem-8623	147	30	organizational	organizational	ADJ
fbem-8623	147	31	structure	structure	NOUN
fbem-8623	147	32	,	,	PUNCT
fbem-8623	147	33	a	a	DET
fbem-8623	147	34	strategic	strategic	ADJ
fbem-8623	147	35	overall	overall	ADJ
fbem-8623	147	36	grasp	grasp	NOUN
fbem-8623	147	37	and	and	CCONJ
fbem-8623	147	38	a	a	DET
fbem-8623	147	39	tactical	tactical	ADJ
fbem-8623	147	40	action	action	NOUN
fbem-8623	147	41	framework	framework	NOUN
fbem-8623	147	42	are	be	AUX
fbem-8623	147	43	formed	form	VERB
fbem-8623	147	44	.	.	PUNCT
fbem-8623	148	1	5.3	5.3	NUM
fbem-8623	148	2	.	.	PUNCT
fbem-8623	149	1	the	the	DET
fbem-8623	149	2	combination	combination	NOUN
fbem-8623	149	3	of	of	ADP
fbem-8623	149	4	insurance	insurance	NOUN
fbem-8623	149	5	and	and	CCONJ
fbem-8623	149	6	technology	technology	NOUN
fbem-8623	149	7	the	the	DET
fbem-8623	149	8	digitization	digitization	NOUN
fbem-8623	149	9	of	of	ADP
fbem-8623	149	10	the	the	DET
fbem-8623	149	11	insurance	insurance	NOUN
fbem-8623	149	12	industry	industry	NOUN
fbem-8623	149	13	is	be	AUX
fbem-8623	149	14	the	the	DET
fbem-8623	149	15	general	general	ADJ
fbem-8623	149	16	trend	trend	NOUN
fbem-8623	149	17	.	.	PUNCT
fbem-8623	150	1	with	with	ADP
fbem-8623	150	2	the	the	DET
fbem-8623	150	3	continuous	continuous	ADJ
fbem-8623	150	4	development	development	NOUN
fbem-8623	150	5	of	of	ADP
fbem-8623	150	6	the	the	DET
fbem-8623	150	7	low	low	ADJ
fbem-8623	150	8	interest	interest	NOUN
fbem-8623	150	9	rate	rate	NOUN
fbem-8623	150	10	environment	environment	NOUN
fbem-8623	150	11	,	,	PUNCT
fbem-8623	150	12	taking	take	VERB
fbem-8623	150	13	assets	asset	NOUN
fbem-8623	150	14	out	out	ADP
fbem-8623	150	15	of	of	ADP
fbem-8623	150	16	banks	bank	NOUN
fbem-8623	150	17	and	and	CCONJ
fbem-8623	150	18	enterprises	enterprise	NOUN
fbem-8623	150	19	'	'	PART
fbem-8623	150	20	warehouses	warehouse	NOUN
fbem-8623	150	21	and	and	CCONJ
fbem-8623	150	22	putting	put	VERB
fbem-8623	150	23	them	they	PRON
fbem-8623	150	24	into	into	ADP
fbem-8623	150	25	the	the	DET
fbem-8623	150	26	market	market	NOUN
fbem-8623	150	27	has	have	AUX
fbem-8623	150	28	become	become	VERB
fbem-8623	150	29	a	a	DET
fbem-8623	150	30	measure	measure	NOUN
fbem-8623	150	31	for	for	SCONJ
fbem-8623	150	32	enterprises	enterprise	NOUN
fbem-8623	150	33	to	to	PART
fbem-8623	150	34	cope	cope	VERB
fbem-8623	150	35	with	with	ADP
fbem-8623	150	36	inflation	inflation	NOUN
fbem-8623	150	37	.	.	PUNCT
fbem-8623	151	1	with	with	ADP
fbem-8623	151	2	the	the	DET
fbem-8623	151	3	development	development	NOUN
fbem-8623	151	4	of	of	ADP
fbem-8623	151	5	information	information	NOUN
fbem-8623	151	6	industry	industry	NOUN
fbem-8623	151	7	technology	technology	NOUN
fbem-8623	151	8	promoted	promote	VERB
fbem-8623	151	9	by	by	ADP
fbem-8623	151	10	national	national	ADJ
fbem-8623	151	11	policies	policy	NOUN
fbem-8623	151	12	,	,	PUNCT
fbem-8623	151	13	based	base	VERB
fbem-8623	151	14	on	on	ADP
fbem-8623	151	15	the	the	DET
fbem-8623	151	16	construction	construction	NOUN
fbem-8623	151	17	of	of	ADP
fbem-8623	151	18	new	new	ADJ
fbem-8623	151	19	infrastructure	infrastructure	NOUN
fbem-8623	151	20	such	such	ADJ
fbem-8623	151	21	as	as	ADP
fbem-8623	151	22	5	5	NUM
fbem-8623	151	23	g	g	PROPN
fbem-8623	151	24	data	datum	NOUN
fbem-8623	151	25	center	center	NOUN
fbem-8623	151	26	,	,	PUNCT
fbem-8623	151	27	the	the	DET
fbem-8623	151	28	active	active	ADJ
fbem-8623	151	29	layout	layout	NOUN
fbem-8623	151	30	of	of	ADP
fbem-8623	151	31	digitalization	digitalization	NOUN
fbem-8623	151	32	in	in	ADP
fbem-8623	151	33	the	the	DET
fbem-8623	151	34	same	same	ADJ
fbem-8623	151	35	industry	industry	NOUN
fbem-8623	151	36	and	and	CCONJ
fbem-8623	151	37	the	the	DET
fbem-8623	151	38	transformation	transformation	NOUN
fbem-8623	151	39	of	of	ADP
fbem-8623	151	40	business	business	NOUN
fbem-8623	151	41	development	development	NOUN
fbem-8623	151	42	mode	mode	NOUN
fbem-8623	151	43	promoted	promote	VERB
fbem-8623	151	44	by	by	ADP
fbem-8623	151	45	new	new	ADJ
fbem-8623	151	46	coronavirus	coronavirus	NOUN
fbem-8623	151	47	pneumonia	pneumonia	NOUN
fbem-8623	151	48	,	,	PUNCT
fbem-8623	151	49	insurance	insurance	NOUN
fbem-8623	151	50	companies	company	NOUN
fbem-8623	151	51	have	have	AUX
fbem-8623	151	52	accelerated	accelerate	VERB
fbem-8623	151	53	the	the	DET
fbem-8623	151	54	integration	integration	NOUN
fbem-8623	151	55	of	of	ADP
fbem-8623	151	56	business	business	NOUN
fbem-8623	151	57	operations	operation	NOUN
fbem-8623	151	58	into	into	ADP
fbem-8623	151	59	online	online	ADJ
fbem-8623	151	60	terminals	terminal	NOUN
fbem-8623	151	61	and	and	CCONJ
fbem-8623	151	62	mobile	mobile	ADJ
fbem-8623	151	63	terminals	terminal	NOUN
fbem-8623	151	64	,	,	PUNCT
fbem-8623	151	65	and	and	CCONJ
fbem-8623	151	66	incorporated	incorporate	VERB
fbem-8623	151	67	insurance	insurance	NOUN
fbem-8623	151	68	business	business	NOUN
fbem-8623	151	69	processes	process	NOUN
fbem-8623	151	70	into	into	ADP
fbem-8623	151	71	digital	digital	ADJ
fbem-8623	151	72	management	management	NOUN
fbem-8623	151	73	.	.	PUNCT
fbem-8623	152	1	with	with	ADP
fbem-8623	152	2	the	the	DET
fbem-8623	152	3	insurance	insurance	NOUN
fbem-8623	152	4	value	value	NOUN
fbem-8623	152	5	chain	chain	NOUN
fbem-8623	152	6	as	as	ADP
fbem-8623	152	7	the	the	DET
fbem-8623	152	8	key	key	NOUN
fbem-8623	152	9	,	,	PUNCT
fbem-8623	152	10	we	we	PRON
fbem-8623	152	11	should	should	AUX
fbem-8623	152	12	strengthen	strengthen	VERB
fbem-8623	152	13	technology	technology	NOUN
fbem-8623	152	14	empowerment	empowerment	NOUN
fbem-8623	152	15	and	and	CCONJ
fbem-8623	152	16	enhance	enhance	VERB
fbem-8623	152	17	customer	customer	NOUN
fbem-8623	152	18	experience	experience	NOUN
fbem-8623	152	19	,	,	PUNCT
fbem-8623	152	20	so	so	SCONJ
fbem-8623	152	21	as	as	SCONJ
fbem-8623	152	22	to	to	PART
fbem-8623	152	23	cope	cope	VERB
fbem-8623	152	24	with	with	ADP
fbem-8623	152	25	the	the	DET
fbem-8623	152	26	threat	threat	NOUN
fbem-8623	152	27	of	of	ADP
fbem-8623	152	28	new	new	ADJ
fbem-8623	152	29	coronavirus	coronavirus	NOUN
fbem-8623	152	30	epidemic	epidemic	NOUN
fbem-8623	152	31	and	and	CCONJ
fbem-8623	152	32	improve	improve	VERB
fbem-8623	152	33	the	the	DET
fbem-8623	152	34	market	market	NOUN
fbem-8623	152	35	competitiveness	competitiveness	NOUN
fbem-8623	152	36	of	of	ADP
fbem-8623	152	37	life	life	NOUN
fbem-8623	152	38	insurance	insurance	NOUN
fbem-8623	152	39	companies	company	NOUN
fbem-8623	152	40	in	in	ADP
fbem-8623	152	41	the	the	DET
fbem-8623	152	42	environment	environment	NOUN
fbem-8623	152	43	of	of	ADP
fbem-8623	152	44	continuous	continuous	ADJ
fbem-8623	152	45	low	low	ADJ
fbem-8623	152	46	interest	interest	NOUN
fbem-8623	152	47	rates	rate	NOUN
fbem-8623	152	48	.	.	PUNCT
fbem-8623	153	1	in	in	ADP
fbem-8623	153	2	2019	2019	NUM
fbem-8623	153	3	,	,	PUNCT
fbem-8623	153	4	taibao	taibao	VERB
fbem-8623	153	5	group	group	NOUN
fbem-8623	153	6	used	use	VERB
fbem-8623	153	7	natural	natural	ADJ
fbem-8623	153	8	language	language	NOUN
fbem-8623	153	9	processing	processing	NOUN
fbem-8623	153	10	technology	technology	NOUN
fbem-8623	153	11	to	to	PART
fbem-8623	153	12	establish	establish	VERB
fbem-8623	153	13	an	an	DET
fbem-8623	153	14	intelligent	intelligent	ADJ
fbem-8623	153	15	and	and	CCONJ
fbem-8623	153	16	interesting	interesting	ADJ
fbem-8623	153	17	scene	scene	NOUN
fbem-8623	153	18	consultation	consultation	NOUN
fbem-8623	153	19	mode	mode	NOUN
fbem-8623	153	20	through	through	ADP
fbem-8623	153	21	intelligent	intelligent	ADJ
fbem-8623	153	22	semantic	semantic	ADJ
fbem-8623	153	23	analysis	analysis	NOUN
fbem-8623	153	24	to	to	PART
fbem-8623	153	25	provide	provide	VERB
fbem-8623	153	26	customers	customer	NOUN
fbem-8623	153	27	with	with	ADP
fbem-8623	153	28	personalized	personalized	ADJ
fbem-8623	153	29	service	service	NOUN
fbem-8623	153	30	places	place	NOUN
fbem-8623	153	31	.	.	PUNCT
fbem-8623	154	1	taikang	taikang	PROPN
fbem-8623	154	2	online	online	ADV
fbem-8623	154	3	intelligent	intelligent	ADJ
fbem-8623	154	4	interactive	interactive	ADJ
fbem-8623	154	5	robot	robot	NOUN
fbem-8623	154	6	provides	provide	VERB
fbem-8623	154	7	highly	highly	ADV
fbem-8623	154	8	scenebased	scenebased	ADJ
fbem-8623	154	9	and	and	CCONJ
fbem-8623	154	10	intelligent	intelligent	ADJ
fbem-8623	154	11	services	service	NOUN
fbem-8623	154	12	through	through	ADP
fbem-8623	154	13	intelligent	intelligent	ADJ
fbem-8623	154	14	dialogue	dialogue	NOUN
fbem-8623	154	15	engine	engine	NOUN
fbem-8623	154	16	to	to	PART
fbem-8623	154	17	solve	solve	VERB
fbem-8623	154	18	the	the	DET
fbem-8623	154	19	problem	problem	NOUN
fbem-8623	154	20	of	of	ADP
fbem-8623	154	21	artificial	artificial	ADJ
fbem-8623	154	22	dialogue	dialogue	NOUN
fbem-8623	154	23	service	service	NOUN
fbem-8623	154	24	in	in	ADP
fbem-8623	154	25	internet	internet	NOUN
fbem-8623	154	26	insurance	insurance	NOUN
fbem-8623	154	27	.	.	PUNCT
fbem-8623	155	1	ping	pe	VERB
fbem-8623	155	2	an	an	DET
fbem-8623	155	3	insurance	insurance	PROPN
fbem-8623	155	4	co.	co.	PROPN
fbem-8623	155	5	,	,	PUNCT
fbem-8623	155	6	ltd	ltd	PROPN
fbem-8623	155	7	.	.	PROPN
fbem-8623	155	8	has	have	AUX
fbem-8623	155	9	launched	launch	VERB
fbem-8623	155	10	smart	smart	ADJ
fbem-8623	155	11	underwriting	underwriting	NOUN
fbem-8623	155	12	.	.	PUNCT
fbem-8623	156	1	through	through	ADP
fbem-8623	156	2	the	the	DET
fbem-8623	156	3	simulation	simulation	NOUN
fbem-8623	156	4	and	and	CCONJ
fbem-8623	156	5	collection	collection	NOUN
fbem-8623	156	6	of	of	ADP
fbem-8623	156	7	big	big	ADJ
fbem-8623	156	8	data	datum	NOUN
fbem-8623	156	9	,	,	PUNCT
fbem-8623	156	10	it	it	PRON
fbem-8623	156	11	accurately	accurately	ADV
fbem-8623	156	12	calculates	calculate	VERB
fbem-8623	156	13	the	the	DET
fbem-8623	156	14	risk	risk	NOUN
fbem-8623	156	15	cost	cost	NOUN
fbem-8623	156	16	and	and	CCONJ
fbem-8623	156	17	corresponding	correspond	VERB
fbem-8623	156	18	pricing	pricing	NOUN
fbem-8623	156	19	of	of	ADP
fbem-8623	156	20	each	each	DET
fbem-8623	156	21	employee	employee	NOUN
fbem-8623	156	22	,	,	PUNCT
fbem-8623	156	23	monitors	monitor	VERB
fbem-8623	156	24	the	the	DET
fbem-8623	156	25	aftersales	aftersale	NOUN
fbem-8623	156	26	risk	risk	NOUN
fbem-8623	156	27	,	,	PUNCT
fbem-8623	156	28	and	and	CCONJ
fbem-8623	156	29	onlineizes	onlineize	VERB
fbem-8623	156	30	the	the	DET
fbem-8623	156	31	business	business	NOUN
fbem-8623	156	32	evaluation	evaluation	NOUN
fbem-8623	156	33	and	and	CCONJ
fbem-8623	156	34	quotation	quotation	NOUN
fbem-8623	156	35	model	model	NOUN
fbem-8623	156	36	.	.	PUNCT
fbem-8623	157	1	in	in	ADP
fbem-8623	157	2	exploring	explore	VERB
fbem-8623	157	3	the	the	DET
fbem-8623	157	4	new	new	ADJ
fbem-8623	157	5	development	development	NOUN
fbem-8623	157	6	model	model	NOUN
fbem-8623	157	7	of	of	ADP
fbem-8623	157	8	insurance	insurance	NOUN
fbem-8623	157	9	+	+	CCONJ
fbem-8623	157	10	internet	internet	NOUN
fbem-8623	157	11	,	,	PUNCT
fbem-8623	157	12	enterprises	enterprise	NOUN
fbem-8623	157	13	develop	develop	VERB
fbem-8623	157	14	online	online	ADJ
fbem-8623	157	15	supermarkets	supermarket	NOUN
fbem-8623	157	16	,	,	PUNCT
fbem-8623	157	17	app	app	NUM
fbem-8623	157	18	,	,	PUNCT
fbem-8623	157	19	live	live	ADJ
fbem-8623	157	20	delivery	delivery	NOUN
fbem-8623	157	21	,	,	PUNCT
fbem-8623	157	22	self	self	NOUN
fbem-8623	157	23	-	-	PUNCT
fbem-8623	157	24	media	medium	NOUN
fbem-8623	157	25	and	and	CCONJ
fbem-8623	157	26	other	other	ADJ
fbem-8623	157	27	channels	channel	NOUN
fbem-8623	157	28	.	.	PUNCT
fbem-8623	158	1	through	through	ADP
fbem-8623	158	2	digital	digital	ADJ
fbem-8623	158	3	transformation	transformation	NOUN
fbem-8623	158	4	,	,	PUNCT
fbem-8623	158	5	they	they	PRON
fbem-8623	158	6	respond	respond	VERB
fbem-8623	158	7	to	to	ADP
fbem-8623	158	8	the	the	DET
fbem-8623	158	9	challenges	challenge	NOUN
fbem-8623	158	10	of	of	ADP
fbem-8623	158	11	offline	offline	ADJ
fbem-8623	158	12	contact	contact	NOUN
fbem-8623	158	13	blocking	blocking	NOUN
fbem-8623	158	14	and	and	CCONJ
fbem-8623	158	15	low	low	ADJ
fbem-8623	158	16	interest	interest	NOUN
fbem-8623	158	17	rate	rate	NOUN
fbem-8623	158	18	environment	environment	NOUN
fbem-8623	158	19	,	,	PUNCT
fbem-8623	158	20	pay	pay	VERB
fbem-8623	158	21	full	full	ADJ
fbem-8623	158	22	attention	attention	NOUN
fbem-8623	158	23	to	to	ADP
fbem-8623	158	24	and	and	CCONJ
fbem-8623	158	25	strengthen	strengthen	VERB
fbem-8623	158	26	online	online	ADJ
fbem-8623	158	27	service	service	NOUN
fbem-8623	158	28	capacity	capacity	NOUN
fbem-8623	158	29	building	building	NOUN
fbem-8623	158	30	,	,	PUNCT
fbem-8623	158	31	seize	seize	VERB
fbem-8623	158	32	new	new	ADJ
fbem-8623	158	33	opportunities	opportunity	NOUN
fbem-8623	158	34	for	for	ADP
fbem-8623	158	35	post	post	ADJ
fbem-8623	158	36	-	-	ADJ
fbem-8623	158	37	epidemic	epidemic	ADJ
fbem-8623	158	38	economic	economic	ADJ
fbem-8623	158	39	development	development	NOUN
fbem-8623	158	40	,	,	PUNCT
fbem-8623	158	41	and	and	CCONJ
fbem-8623	158	42	create	create	VERB
fbem-8623	158	43	new	new	ADJ
fbem-8623	158	44	competitive	competitive	ADJ
fbem-8623	158	45	advantages	advantage	NOUN
fbem-8623	158	46	.	.	PUNCT
fbem-8623	159	1	(	(	PUNCT
fbem-8623	159	2	1	1	X
fbem-8623	159	3	)	)	PUNCT
fbem-8623	159	4	adhere	adhere	NOUN
fbem-8623	159	5	to	to	ADP
fbem-8623	159	6	the	the	DET
fbem-8623	159	7	implementation	implementation	NOUN
fbem-8623	159	8	of	of	ADP
fbem-8623	159	9	customer	customer	NOUN
fbem-8623	159	10	-	-	PUNCT
fbem-8623	159	11	centered	center	VERB
fbem-8623	159	12	development	development	NOUN
fbem-8623	159	13	concept	concept	NOUN
fbem-8623	159	14	with	with	ADP
fbem-8623	159	15	the	the	DET
fbem-8623	159	16	improvement	improvement	NOUN
fbem-8623	159	17	of	of	ADP
fbem-8623	159	18	people	people	NOUN
fbem-8623	159	19	's	's	PART
fbem-8623	159	20	living	living	NOUN
fbem-8623	159	21	standards	standard	NOUN
fbem-8623	159	22	and	and	CCONJ
fbem-8623	159	23	the	the	DET
fbem-8623	159	24	enhancement	enhancement	NOUN
fbem-8623	159	25	of	of	ADP
fbem-8623	159	26	insurance	insurance	NOUN
fbem-8623	159	27	concepts	concept	NOUN
fbem-8623	159	28	,	,	PUNCT
fbem-8623	159	29	service	service	NOUN
fbem-8623	159	30	level	level	NOUN
fbem-8623	159	31	has	have	AUX
fbem-8623	159	32	become	become	VERB
fbem-8623	159	33	one	one	NUM
fbem-8623	159	34	of	of	ADP
fbem-8623	159	35	the	the	DET
fbem-8623	159	36	important	important	ADJ
fbem-8623	159	37	factors	factor	NOUN
fbem-8623	159	38	affecting	affect	VERB
fbem-8623	159	39	customers	customer	NOUN
fbem-8623	159	40	'	'	PART
fbem-8623	159	41	choice	choice	NOUN
fbem-8623	159	42	of	of	ADP
fbem-8623	159	43	products	product	NOUN
fbem-8623	159	44	.	.	PUNCT
fbem-8623	160	1	life	life	NOUN
fbem-8623	160	2	insurance	insurance	NOUN
fbem-8623	160	3	companies	company	NOUN
fbem-8623	160	4	integrate	integrate	VERB
fbem-8623	160	5	technology	technology	NOUN
fbem-8623	160	6	elements	element	NOUN
fbem-8623	160	7	to	to	PART
fbem-8623	160	8	create	create	VERB
fbem-8623	160	9	online	online	ADJ
fbem-8623	160	10	and	and	CCONJ
fbem-8623	160	11	offline	offline	ADJ
fbem-8623	160	12	integration	integration	NOUN
fbem-8623	160	13	and	and	CCONJ
fbem-8623	160	14	create	create	VERB
fbem-8623	160	15	ecological	ecological	ADJ
fbem-8623	160	16	storage	storage	NOUN
fbem-8623	160	17	.	.	PUNCT
fbem-8623	161	1	pre	pre	ADJ
fbem-8623	161	2	-	-	ADJ
fbem-8623	161	3	sales	sales	ADJ
fbem-8623	161	4	service	service	NOUN
fbem-8623	161	5	,	,	PUNCT
fbem-8623	161	6	in	in	ADP
fbem-8623	161	7	-	-	PUNCT
fbem-8623	161	8	sales	sale	NOUN
fbem-8623	161	9	service	service	NOUN
fbem-8623	161	10	and	and	CCONJ
fbem-8623	161	11	after	after	ADP
fbem-8623	161	12	-	-	PUNCT
fbem-8623	161	13	sales	sale	NOUN
fbem-8623	161	14	service	service	NOUN
fbem-8623	161	15	are	be	AUX
fbem-8623	161	16	integrated	integrate	VERB
fbem-8623	161	17	,	,	PUNCT
fbem-8623	161	18	and	and	CCONJ
fbem-8623	161	19	big	big	ADJ
fbem-8623	161	20	data	datum	NOUN
fbem-8623	161	21	and	and	CCONJ
fbem-8623	161	22	artificial	artificial	ADJ
fbem-8623	161	23	intelligence	intelligence	NOUN
fbem-8623	161	24	are	be	AUX
fbem-8623	161	25	used	use	VERB
fbem-8623	161	26	to	to	PART
fbem-8623	161	27	drive	drive	VERB
fbem-8623	161	28	scene	scene	NOUN
fbem-8623	161	29	and	and	CCONJ
fbem-8623	161	30	personalized	personalized	ADJ
fbem-8623	161	31	service	service	NOUN
fbem-8623	161	32	requirements	requirement	NOUN
fbem-8623	161	33	.	.	PUNCT
fbem-8623	162	1	(	(	PUNCT
fbem-8623	162	2	2	2	X
fbem-8623	162	3	)	)	PUNCT
fbem-8623	162	4	match	match	NOUN
fbem-8623	162	5	supply	supply	NOUN
fbem-8623	162	6	and	and	CCONJ
fbem-8623	162	7	demand	demand	NOUN
fbem-8623	162	8	,	,	PUNCT
fbem-8623	162	9	strengthen	strengthen	VERB
fbem-8623	162	10	security	security	NOUN
fbem-8623	162	11	the	the	DET
fbem-8623	162	12	traditional	traditional	ADJ
fbem-8623	162	13	life	life	NOUN
fbem-8623	162	14	insurance	insurance	NOUN
fbem-8623	162	15	business	business	NOUN
fbem-8623	162	16	attached	attach	VERB
fbem-8623	162	17	to	to	ADP
fbem-8623	162	18	the	the	DET
fbem-8623	162	19	form	form	NOUN
fbem-8623	162	20	of	of	ADP
fbem-8623	162	21	insurance	insurance	NOUN
fbem-8623	162	22	policies	policy	NOUN
fbem-8623	162	23	shows	show	VERB
fbem-8623	162	24	the	the	DET
fbem-8623	162	25	pain	pain	NOUN
fbem-8623	162	26	points	point	NOUN
fbem-8623	162	27	of	of	ADP
fbem-8623	162	28	mismatch	mismatch	NOUN
fbem-8623	162	29	between	between	ADP
fbem-8623	162	30	supply	supply	NOUN
fbem-8623	162	31	and	and	CCONJ
fbem-8623	162	32	demand	demand	NOUN
fbem-8623	162	33	and	and	CCONJ
fbem-8623	162	34	insufficient	insufficient	ADJ
fbem-8623	162	35	effective	effective	ADJ
fbem-8623	162	36	protection	protection	NOUN
fbem-8623	162	37	.	.	PUNCT
fbem-8623	163	1	internet	internet	NOUN
fbem-8623	163	2	insurance	insurance	NOUN
fbem-8623	163	3	brings	bring	VERB
fbem-8623	163	4	customers	customer	NOUN
fbem-8623	163	5	not	not	PART
fbem-8623	163	6	only	only	ADV
fbem-8623	163	7	changes	change	NOUN
fbem-8623	163	8	in	in	ADP
fbem-8623	163	9	the	the	DET
fbem-8623	163	10	form	form	NOUN
fbem-8623	163	11	of	of	ADP
fbem-8623	163	12	interaction	interaction	NOUN
fbem-8623	163	13	between	between	ADP
fbem-8623	163	14	the	the	DET
fbem-8623	163	15	two	two	NUM
fbem-8623	163	16	parties	party	NOUN
fbem-8623	163	17	to	to	ADP
fbem-8623	163	18	the	the	DET
fbem-8623	163	19	contract	contract	NOUN
fbem-8623	163	20	,	,	PUNCT
fbem-8623	163	21	but	but	CCONJ
fbem-8623	163	22	also	also	ADV
fbem-8623	163	23	changes	change	VERB
fbem-8623	163	24	in	in	ADP
fbem-8623	163	25	the	the	DET
fbem-8623	163	26	thinking	thinking	NOUN
fbem-8623	163	27	of	of	ADP
fbem-8623	163	28	insurance	insurance	NOUN
fbem-8623	163	29	product	product	NOUN
fbem-8623	163	30	design	design	NOUN
fbem-8623	163	31	.	.	PUNCT
fbem-8623	164	1	based	base	VERB
fbem-8623	164	2	on	on	ADP
fbem-8623	164	3	cloud	cloud	NOUN
fbem-8623	164	4	computing	computing	NOUN
fbem-8623	164	5	,	,	PUNCT
fbem-8623	164	6	big	big	ADJ
fbem-8623	164	7	data	datum	NOUN
fbem-8623	164	8	and	and	CCONJ
fbem-8623	164	9	blockchain	blockchain	PROPN
fbem-8623	164	10	,	,	PUNCT
fbem-8623	164	11	the	the	DET
fbem-8623	164	12	design	design	NOUN
fbem-8623	164	13	meets	meet	VERB
fbem-8623	164	14	the	the	DET
fbem-8623	164	15	requirements	requirement	NOUN
fbem-8623	164	16	of	of	ADP
fbem-8623	164	17	customer	customer	NOUN
fbem-8623	164	18	customization	customization	NOUN
fbem-8623	164	19	and	and	CCONJ
fbem-8623	164	20	strengthens	strengthen	VERB
fbem-8623	164	21	the	the	DET
fbem-8623	164	22	individual	individual	ADJ
fbem-8623	164	23	supply	supply	NOUN
fbem-8623	164	24	and	and	CCONJ
fbem-8623	164	25	demand	demand	NOUN
fbem-8623	164	26	configuration	configuration	NOUN
fbem-8623	164	27	of	of	ADP
fbem-8623	164	28	the	the	DET
fbem-8623	164	29	market	market	NOUN
fbem-8623	164	30	.	.	PUNCT
fbem-8623	165	1	(	(	PUNCT
fbem-8623	165	2	3	3	X
fbem-8623	165	3	)	)	PUNCT
fbem-8623	165	4	strengthen	strengthen	VERB
fbem-8623	165	5	social	social	ADJ
fbem-8623	165	6	management	management	NOUN
fbem-8623	165	7	functions	function	NOUN
fbem-8623	165	8	life	life	NOUN
fbem-8623	165	9	insurance	insurance	NOUN
fbem-8623	165	10	companies	company	NOUN
fbem-8623	165	11	use	use	VERB
fbem-8623	165	12	scientific	scientific	ADJ
fbem-8623	165	13	and	and	CCONJ
fbem-8623	165	14	technological	technological	ADJ
fbem-8623	165	15	means	mean	NOUN
fbem-8623	165	16	to	to	PART
fbem-8623	165	17	improve	improve	VERB
fbem-8623	165	18	risk	risk	NOUN
fbem-8623	165	19	identification	identification	NOUN
fbem-8623	165	20	,	,	PUNCT
fbem-8623	165	21	measurement	measurement	NOUN
fbem-8623	165	22	and	and	CCONJ
fbem-8623	165	23	management	management	NOUN
fbem-8623	165	24	capabilities	capability	NOUN
fbem-8623	165	25	,	,	PUNCT
fbem-8623	165	26	further	far	ADV
fbem-8623	165	27	improve	improve	VERB
fbem-8623	165	28	the	the	DET
fbem-8623	165	29	scope	scope	NOUN
fbem-8623	165	30	of	of	ADP
fbem-8623	165	31	life	life	NOUN
fbem-8623	165	32	insurance	insurance	NOUN
fbem-8623	165	33	protection	protection	NOUN
fbem-8623	165	34	and	and	CCONJ
fbem-8623	165	35	management	management	NOUN
fbem-8623	165	36	efficiency	efficiency	NOUN
fbem-8623	165	37	,	,	PUNCT
fbem-8623	165	38	and	and	CCONJ
fbem-8623	165	39	expand	expand	VERB
fbem-8623	165	40	the	the	DET
fbem-8623	165	41	protection	protection	NOUN
fbem-8623	165	42	object	object	NOUN
fbem-8623	165	43	from	from	ADP
fbem-8623	165	44	low	low	ADJ
fbem-8623	165	45	-	-	PUNCT
fbem-8623	165	46	risk	risk	NOUN
fbem-8623	165	47	groups	group	NOUN
fbem-8623	165	48	to	to	ADP
fbem-8623	165	49	high	high	ADJ
fbem-8623	165	50	-	-	PUNCT
fbem-8623	165	51	risk	risk	NOUN
fbem-8623	165	52	groups	group	NOUN
fbem-8623	165	53	,	,	PUNCT
fbem-8623	165	54	as	as	ADV
fbem-8623	165	55	well	well	ADV
fbem-8623	165	56	as	as	ADP
fbem-8623	165	57	post	post	NOUN
fbem-8623	165	58	-	-	NOUN
fbem-8623	165	59	compensation	compensation	NOUN
fbem-8623	165	60	to	to	ADP
fbem-8623	165	61	pre	pre	NOUN
fbem-8623	165	62	-	-	VERB
fbem-8623	165	63	prevention	prevention	NOUN
fbem-8623	165	64	.	.	PUNCT
fbem-8623	166	1	this	this	PRON
fbem-8623	166	2	is	be	AUX
fbem-8623	166	3	conducive	conducive	ADJ
fbem-8623	166	4	to	to	ADP
fbem-8623	166	5	returning	return	VERB
fbem-8623	166	6	to	to	ADP
fbem-8623	166	7	the	the	DET
fbem-8623	166	8	origin	origin	NOUN
fbem-8623	166	9	of	of	ADP
fbem-8623	166	10	insurance	insurance	NOUN
fbem-8623	166	11	and	and	CCONJ
fbem-8623	166	12	better	well	ADV
fbem-8623	166	13	performing	perform	VERB
fbem-8623	166	14	the	the	DET
fbem-8623	166	15	functions	function	NOUN
fbem-8623	166	16	of	of	ADP
fbem-8623	166	17	risk	risk	NOUN
fbem-8623	166	18	managers	manager	NOUN
fbem-8623	166	19	.	.	PUNCT
fbem-8623	167	1	5.4	5.4	NUM
fbem-8623	167	2	.	.	PUNCT
fbem-8623	167	3	emphasis	emphasis	NOUN
fbem-8623	167	4	on	on	ADP
fbem-8623	167	5	talent	talent	NOUN
fbem-8623	167	6	construction	construction	NOUN
fbem-8623	167	7	(	(	PUNCT
fbem-8623	167	8	1	1	X
fbem-8623	167	9	)	)	PUNCT
fbem-8623	167	10	human	human	ADJ
fbem-8623	167	11	resources	resource	NOUN
fbem-8623	167	12	are	be	AUX
fbem-8623	167	13	the	the	DET
fbem-8623	167	14	first	first	ADJ
fbem-8623	167	15	resource	resource	NOUN
fbem-8623	167	16	for	for	ADP
fbem-8623	167	17	the	the	DET
fbem-8623	167	18	development	development	NOUN
fbem-8623	167	19	of	of	ADP
fbem-8623	167	20	life	life	NOUN
fbem-8623	167	21	insurance	insurance	NOUN
fbem-8623	167	22	industry	industry	NOUN
fbem-8623	167	23	.	.	PUNCT
fbem-8623	168	1	the	the	DET
fbem-8623	168	2	core	core	NOUN
fbem-8623	168	3	competitiveness	competitiveness	NOUN
fbem-8623	168	4	of	of	ADP
fbem-8623	168	5	modern	modern	ADJ
fbem-8623	168	6	insurance	insurance	NOUN
fbem-8623	168	7	industry	industry	NOUN
fbem-8623	168	8	is	be	AUX
fbem-8623	168	9	reflected	reflect	VERB
fbem-8623	168	10	in	in	ADP
fbem-8623	168	11	the	the	DET
fbem-8623	168	12	talent	talent	NOUN
fbem-8623	168	13	competition	competition	NOUN
fbem-8623	168	14	.	.	PUNCT
fbem-8623	169	1	after	after	ADP
fbem-8623	169	2	the	the	DET
fbem-8623	169	3	reform	reform	NOUN
fbem-8623	169	4	and	and	CCONJ
fbem-8623	169	5	opening	opening	NOUN
fbem-8623	169	6	up	up	ADP
fbem-8623	169	7	,	,	PUNCT
fbem-8623	169	8	with	with	ADP
fbem-8623	169	9	the	the	DET
fbem-8623	169	10	development	development	NOUN
fbem-8623	169	11	of	of	ADP
fbem-8623	169	12	economy	economy	NOUN
fbem-8623	169	13	and	and	CCONJ
fbem-8623	169	14	society	society	NOUN
fbem-8623	169	15	,	,	PUNCT
fbem-8623	169	16	along	along	ADP
fbem-8623	169	17	with	with	ADP
fbem-8623	169	18	the	the	DET
fbem-8623	169	19	increasing	increase	VERB
fbem-8623	169	20	demand	demand	NOUN
fbem-8623	169	21	for	for	ADP
fbem-8623	169	22	diversified	diversified	ADJ
fbem-8623	169	23	talents	talent	NOUN
fbem-8623	169	24	,	,	PUNCT
fbem-8623	169	25	the	the	DET
fbem-8623	169	26	education	education	NOUN
fbem-8623	169	27	industry	industry	NOUN
fbem-8623	169	28	and	and	CCONJ
fbem-8623	169	29	human	human	ADJ
fbem-8623	169	30	resource	resource	NOUN
fbem-8623	169	31	management	management	NOUN
fbem-8623	169	32	industry	industry	NOUN
fbem-8623	169	33	have	have	AUX
fbem-8623	169	34	developed	develop	VERB
fbem-8623	169	35	rapidly	rapidly	ADV
fbem-8623	169	36	.	.	PUNCT
fbem-8623	170	1	life	life	NOUN
fbem-8623	170	2	insurance	insurance	NOUN
fbem-8623	170	3	companies	company	NOUN
fbem-8623	170	4	have	have	AUX
fbem-8623	170	5	attracted	attract	VERB
fbem-8623	170	6	a	a	DET
fbem-8623	170	7	variety	variety	NOUN
fbem-8623	170	8	of	of	ADP
fbem-8623	170	9	structural	structural	ADJ
fbem-8623	170	10	talents	talent	NOUN
fbem-8623	170	11	while	while	SCONJ
fbem-8623	170	12	developing	develop	VERB
fbem-8623	170	13	their	their	PRON
fbem-8623	170	14	business	business	NOUN
fbem-8623	170	15	through	through	ADP
fbem-8623	170	16	agents	agent	NOUN
fbem-8623	170	17	.	.	PUNCT
fbem-8623	171	1	for	for	ADP
fbem-8623	171	2	the	the	DET
fbem-8623	171	3	traditional	traditional	ADJ
fbem-8623	171	4	insurance	insurance	NOUN
fbem-8623	171	5	industry	industry	NOUN
fbem-8623	171	6	,	,	PUNCT
fbem-8623	171	7	actuarial	actuarial	ADJ
fbem-8623	171	8	talents	talent	NOUN
fbem-8623	171	9	are	be	AUX
fbem-8623	171	10	the	the	DET
fbem-8623	171	11	core	core	NOUN
fbem-8623	171	12	of	of	ADP
fbem-8623	171	13	insurance	insurance	NOUN
fbem-8623	171	14	companies	company	NOUN
fbem-8623	171	15	.	.	PUNCT
fbem-8623	172	1	as	as	ADP
fbem-8623	172	2	producers	producer	NOUN
fbem-8623	172	3	of	of	ADP
fbem-8623	172	4	products	product	NOUN
fbem-8623	172	5	,	,	PUNCT
fbem-8623	172	6	they	they	PRON
fbem-8623	172	7	are	be	AUX
fbem-8623	172	8	of	of	ADP
fbem-8623	172	9	great	great	ADJ
fbem-8623	172	10	significance	significance	NOUN
fbem-8623	172	11	to	to	ADP
fbem-8623	172	12	the	the	DET
fbem-8623	172	13	company	company	NOUN
fbem-8623	172	14	's	's	PART
fbem-8623	172	15	production	production	NOUN
fbem-8623	172	16	and	and	CCONJ
fbem-8623	172	17	operation	operation	NOUN
fbem-8623	172	18	.	.	PUNCT
fbem-8623	173	1	however	however	ADV
fbem-8623	173	2	,	,	PUNCT
fbem-8623	173	3	since	since	SCONJ
fbem-8623	173	4	the	the	DET
fbem-8623	173	5	introduction	introduction	NOUN
fbem-8623	173	6	of	of	ADP
fbem-8623	173	7	the	the	DET
fbem-8623	173	8	actuary	actuary	NOUN
fbem-8623	173	9	assessment	assessment	NOUN
fbem-8623	173	10	system	system	NOUN
fbem-8623	173	11	in	in	ADP
fbem-8623	173	12	china	china	PROPN
fbem-8623	173	13	,	,	PUNCT
fbem-8623	173	14	the	the	DET
fbem-8623	173	15	output	output	NOUN
fbem-8623	173	16	capacity	capacity	NOUN
fbem-8623	173	17	of	of	ADP
fbem-8623	173	18	actuaries	actuary	NOUN
fbem-8623	173	19	in	in	ADP
fbem-8623	173	20	china	china	PROPN
fbem-8623	173	21	is	be	AUX
fbem-8623	173	22	not	not	PART
fbem-8623	173	23	high	high	ADJ
fbem-8623	173	24	.	.	PUNCT
fbem-8623	174	1	compared	compare	VERB
fbem-8623	174	2	with	with	ADP
fbem-8623	174	3	the	the	DET
fbem-8623	174	4	huge	huge	ADJ
fbem-8623	174	5	insurance	insurance	NOUN
fbem-8623	174	6	market	market	NOUN
fbem-8623	174	7	,	,	PUNCT
fbem-8623	174	8	the	the	DET
fbem-8623	174	9	number	number	NOUN
fbem-8623	174	10	of	of	ADP
fbem-8623	174	11	foreign	foreign	ADJ
fbem-8623	174	12	introduced	introduce	VERB
fbem-8623	174	13	and	and	CCONJ
fbem-8623	174	14	self	self	NOUN
fbem-8623	174	15	-	-	PUNCT
fbem-8623	174	16	trained	train	VERB
fbem-8623	174	17	actuaries	actuary	NOUN
fbem-8623	174	18	and	and	CCONJ
fbem-8623	174	19	quasi	quasi	NOUN
fbem-8623	174	20	-	-	NOUN
fbem-8623	174	21	actuaries	actuary	NOUN
fbem-8623	174	22	can	can	AUX
fbem-8623	174	23	not	not	PART
fbem-8623	174	24	meet	meet	VERB
fbem-8623	174	25	their	their	PRON
fbem-8623	174	26	demand	demand	NOUN
fbem-8623	174	27	.	.	PUNCT
fbem-8623	175	1	although	although	SCONJ
fbem-8623	175	2	most	most	ADJ
fbem-8623	175	3	actuaries	actuary	NOUN
fbem-8623	175	4	work	work	VERB
fbem-8623	175	5	in	in	ADP
fbem-8623	175	6	life	life	NOUN
fbem-8623	175	7	insurance	insurance	NOUN
fbem-8623	175	8	companies	company	NOUN
fbem-8623	175	9	,	,	PUNCT
fbem-8623	175	10	they	they	PRON
fbem-8623	175	11	are	be	AUX
fbem-8623	175	12	still	still	ADV
fbem-8623	175	13	far	far	ADV
fbem-8623	175	14	below	below	ADP
fbem-8623	175	15	the	the	DET
fbem-8623	175	16	talentto	talentto	ADJ
fbem-8623	175	17	-	-	PUNCT
fbem-8623	175	18	company	company	NOUN
fbem-8623	175	19	ratio	ratio	NOUN
fbem-8623	175	20	for	for	ADP
fbem-8623	175	21	the	the	DET
fbem-8623	175	22	entire	entire	ADJ
fbem-8623	175	23	international	international	ADJ
fbem-8623	175	24	insurance	insurance	NOUN
fbem-8623	175	25	market	market	NOUN
fbem-8623	175	26	.	.	PUNCT
fbem-8623	176	1	in	in	ADP
fbem-8623	176	2	the	the	DET
fbem-8623	176	3	post	post	ADJ
fbem-8623	176	4	-	-	ADJ
fbem-8623	176	5	epidemic	epidemic	ADJ
fbem-8623	176	6	era	era	NOUN
fbem-8623	176	7	,	,	PUNCT
fbem-8623	176	8	life	life	NOUN
fbem-8623	176	9	insurance	insurance	NOUN
fbem-8623	176	10	companies	company	NOUN
fbem-8623	176	11	are	be	AUX
fbem-8623	176	12	facing	face	VERB
fbem-8623	176	13	industrial	industrial	ADJ
fbem-8623	176	14	transformation	transformation	NOUN
fbem-8623	176	15	and	and	CCONJ
fbem-8623	176	16	upgrading	upgrading	NOUN
fbem-8623	176	17	,	,	PUNCT
fbem-8623	176	18	which	which	PRON
fbem-8623	176	19	puts	put	VERB
fbem-8623	176	20	forward	forward	ADV
fbem-8623	176	21	new	new	ADJ
fbem-8623	176	22	talent	talent	NOUN
fbem-8623	176	23	demand	demand	NOUN
fbem-8623	176	24	for	for	ADP
fbem-8623	176	25	the	the	DET
fbem-8623	176	26	development	development	NOUN
fbem-8623	176	27	of	of	ADP
fbem-8623	176	28	the	the	DET
fbem-8623	176	29	new	new	ADJ
fbem-8623	176	30	internet	internet	NOUN
fbem-8623	176	31	+	+	CCONJ
fbem-8623	176	32	insurance	insurance	NOUN
fbem-8623	176	33	industry	industry	NOUN
fbem-8623	176	34	.	.	PUNCT
fbem-8623	177	1	in	in	ADP
fbem-8623	177	2	the	the	DET
fbem-8623	177	3	low	low	ADJ
fbem-8623	177	4	interest	interest	NOUN
fbem-8623	177	5	rate	rate	NOUN
fbem-8623	177	6	environment	environment	NOUN
fbem-8623	177	7	,	,	PUNCT
fbem-8623	177	8	life	life	NOUN
fbem-8623	177	9	insurance	insurance	NOUN
fbem-8623	177	10	companies	company	NOUN
fbem-8623	177	11	also	also	ADV
fbem-8623	177	12	show	show	VERB
fbem-8623	177	13	greater	great	ADJ
fbem-8623	177	14	desire	desire	NOUN
fbem-8623	177	15	for	for	ADP
fbem-8623	177	16	investment	investment	NOUN
fbem-8623	177	17	income	income	NOUN
fbem-8623	177	18	.	.	PUNCT
fbem-8623	178	1	big	big	ADJ
fbem-8623	178	2	data	datum	NOUN
fbem-8623	178	3	analysis	analysis	NOUN
fbem-8623	178	4	talents	talent	NOUN
fbem-8623	178	5	,	,	PUNCT
fbem-8623	178	6	internet	internet	NOUN
fbem-8623	178	7	sales	sale	NOUN
fbem-8623	178	8	talents	talent	NOUN
fbem-8623	178	9	,	,	PUNCT
fbem-8623	178	10	and	and	CCONJ
fbem-8623	178	11	financial	financial	ADJ
fbem-8623	178	12	investment	investment	NOUN
fbem-8623	178	13	talents	talent	NOUN
fbem-8623	178	14	have	have	AUX
fbem-8623	178	15	become	become	VERB
fbem-8623	178	16	the	the	DET
fbem-8623	178	17	new	new	ADJ
fbem-8623	178	18	direction	direction	NOUN
fbem-8623	178	19	of	of	ADP
fbem-8623	178	20	industry	industry	NOUN
fbem-8623	178	21	absorption	absorption	NOUN
fbem-8623	178	22	.	.	PUNCT
fbem-8623	179	1	(	(	PUNCT
fbem-8623	179	2	2	2	X
fbem-8623	179	3	)	)	PUNCT
fbem-8623	179	4	take	take	VERB
fbem-8623	179	5	the	the	DET
fbem-8623	179	6	discovery	discovery	NOUN
fbem-8623	179	7	strategy	strategy	NOUN
fbem-8623	179	8	and	and	CCONJ
fbem-8623	179	9	adjust	adjust	VERB
fbem-8623	179	10	the	the	DET
fbem-8623	179	11	life	life	NOUN
fbem-8623	179	12	insurance	insurance	NOUN
fbem-8623	179	13	company	company	NOUN
fbem-8623	179	14	internal	internal	ADJ
fbem-8623	179	15	human	human	ADJ
fbem-8623	179	16	resources	resource	NOUN
fbem-8623	179	17	stock	stock	NOUN
fbem-8623	179	18	(	(	PUNCT
fbem-8623	179	19	3	3	X
fbem-8623	179	20	)	)	PUNCT
fbem-8623	179	21	while	while	SCONJ
fbem-8623	179	22	absorbing	absorb	VERB
fbem-8623	179	23	talents	talent	NOUN
fbem-8623	179	24	from	from	ADP
fbem-8623	179	25	abroad	abroad	ADV
fbem-8623	179	26	,	,	PUNCT
fbem-8623	179	27	the	the	DET
fbem-8623	179	28	exploration	exploration	NOUN
fbem-8623	179	29	of	of	ADP
fbem-8623	179	30	internal	internal	ADJ
fbem-8623	179	31	talents	talent	NOUN
fbem-8623	179	32	is	be	AUX
fbem-8623	179	33	equally	equally	ADV
fbem-8623	179	34	important	important	ADJ
fbem-8623	179	35	.	.	PUNCT
fbem-8623	180	1	internally	internally	ADV
fbem-8623	180	2	,	,	PUNCT
fbem-8623	180	3	for	for	ADP
fbem-8623	180	4	the	the	DET
fbem-8623	180	5	shortcomings	shortcoming	NOUN
fbem-8623	180	6	of	of	ADP
fbem-8623	180	7	the	the	DET
fbem-8623	180	8	employee	employee	NOUN
fbem-8623	180	9	performance	performance	NOUN
fbem-8623	180	10	appraisal	appraisal	NOUN
fbem-8623	180	11	strategy	strategy	NOUN
fbem-8623	180	12	commonly	commonly	ADV
fbem-8623	180	13	existing	exist	VERB
fbem-8623	180	14	in	in	ADP
fbem-8623	180	15	life	life	NOUN
fbem-8623	180	16	insurance	insurance	NOUN
fbem-8623	180	17	companies	company	NOUN
fbem-8623	180	18	,	,	PUNCT
fbem-8623	180	19	such	such	ADJ
fbem-8623	180	20	as	as	ADP
fbem-8623	180	21	the	the	DET
fbem-8623	180	22	opacity	opacity	NOUN
fbem-8623	180	23	of	of	ADP
fbem-8623	180	24	their	their	PRON
fbem-8623	180	25	processes	process	NOUN
fbem-8623	180	26	,	,	PUNCT
fbem-8623	180	27	the	the	DET
fbem-8623	180	28	lack	lack	NOUN
fbem-8623	180	29	of	of	ADP
fbem-8623	180	30	specific	specific	ADJ
fbem-8623	180	31	standards	standard	NOUN
fbem-8623	180	32	,	,	PUNCT
fbem-8623	180	33	and	and	CCONJ
fbem-8623	180	34	the	the	DET
fbem-8623	180	35	lack	lack	NOUN
fbem-8623	180	36	of	of	ADP
fbem-8623	180	37	authority	authority	NOUN
fbem-8623	180	38	of	of	ADP
fbem-8623	180	39	human	human	ADJ
fbem-8623	180	40	resources	resource	NOUN
fbem-8623	180	41	departments	department	NOUN
fbem-8623	180	42	,	,	PUNCT
fbem-8623	180	43	life	life	NOUN
fbem-8623	180	44	insurance	insurance	NOUN
fbem-8623	180	45	companies	company	NOUN
fbem-8623	180	46	need	need	VERB
fbem-8623	180	47	to	to	PART
fbem-8623	180	48	adopt	adopt	VERB
fbem-8623	180	49	a	a	DET
fbem-8623	180	50	classified	classified	ADJ
fbem-8623	180	51	employee	employee	NOUN
fbem-8623	180	52	appraisal	appraisal	NOUN
fbem-8623	180	53	system	system	NOUN
fbem-8623	180	54	to	to	PART
fbem-8623	180	55	make	make	VERB
fbem-8623	180	56	it	it	PRON
fbem-8623	180	57	truly	truly	ADV
fbem-8623	180	58	fair	fair	ADJ
fbem-8623	180	59	.	.	PUNCT
fbem-8623	181	1	it	it	PRON
fbem-8623	181	2	is	be	AUX
fbem-8623	181	3	also	also	ADV
fbem-8623	181	4	necessary	necessary	ADJ
fbem-8623	181	5	for	for	SCONJ
fbem-8623	181	6	the	the	DET
fbem-8623	181	7	company	company	NOUN
fbem-8623	181	8	's	's	PART
fbem-8623	181	9	internal	internal	ADJ
fbem-8623	181	10	staff	staff	NOUN
fbem-8623	181	11	to	to	PART
fbem-8623	181	12	have	have	VERB
fbem-8623	181	13	sufficient	sufficient	ADJ
fbem-8623	181	14	mobility	mobility	NOUN
fbem-8623	181	15	,	,	PUNCT
fbem-8623	181	16	so	so	SCONJ
fbem-8623	181	17	that	that	SCONJ
fbem-8623	181	18	it	it	PRON
fbem-8623	181	19	can	can	AUX
fbem-8623	181	20	fit	fit	VERB
fbem-8623	181	21	its	its	PRON
fbem-8623	181	22	position	position	NOUN
fbem-8623	181	23	and	and	CCONJ
fbem-8623	181	24	show	show	VERB
fbem-8623	181	25	the	the	DET
fbem-8623	181	26	potential	potential	NOUN
fbem-8623	181	27	of	of	ADP
fbem-8623	181	28	employees	employee	NOUN
fbem-8623	181	29	.	.	PUNCT
fbem-8623	182	1	externally	externally	ADV
fbem-8623	182	2	,	,	PUNCT
fbem-8623	182	3	life	life	NOUN
fbem-8623	182	4	insurance	insurance	NOUN
fbem-8623	182	5	companies	company	NOUN
fbem-8623	182	6	actively	actively	ADV
fbem-8623	182	7	cooperate	cooperate	VERB
fbem-8623	182	8	with	with	ADP
fbem-8623	182	9	other	other	ADJ
fbem-8623	182	10	relevant	relevant	ADJ
fbem-8623	182	11	institutions	institution	NOUN
fbem-8623	182	12	and	and	CCONJ
fbem-8623	182	13	universities	university	NOUN
fbem-8623	182	14	to	to	PART
fbem-8623	182	15	absorb	absorb	VERB
fbem-8623	182	16	fresh	fresh	ADJ
fbem-8623	182	17	blood	blood	NOUN
fbem-8623	182	18	and	and	CCONJ
fbem-8623	182	19	university	university	NOUN
fbem-8623	182	20	talents	talent	NOUN
fbem-8623	182	21	in	in	ADP
fbem-8623	182	22	a	a	DET
fbem-8623	182	23	timely	timely	ADJ
fbem-8623	182	24	manner	manner	NOUN
fbem-8623	182	25	.	.	PUNCT
fbem-8623	183	1	(	(	PUNCT
fbem-8623	183	2	4	4	X
fbem-8623	183	3	)	)	PUNCT
fbem-8623	183	4	establish	establish	VERB
fbem-8623	183	5	a	a	DET
fbem-8623	183	6	training	training	NOUN
fbem-8623	183	7	mechanism	mechanism	NOUN
fbem-8623	183	8	to	to	PART
fbem-8623	183	9	strengthen	strengthen	VERB
fbem-8623	183	10	personnel	personnel	NOUN
fbem-8623	183	11	training	training	NOUN
fbem-8623	183	12	.	.	PUNCT
fbem-8623	184	1	to	to	PART
fbem-8623	184	2	train	train	VERB
fbem-8623	184	3	internal	internal	ADJ
fbem-8623	184	4	staff	staff	NOUN
fbem-8623	184	5	,	,	PUNCT
fbem-8623	184	6	improve	improve	VERB
fbem-8623	184	7	staff	staff	NOUN
fbem-8623	184	8	quality	quality	NOUN
fbem-8623	184	9	and	and	CCONJ
fbem-8623	184	10	optimize	optimize	VERB
fbem-8623	184	11	enterprise	enterprise	NOUN
fbem-8623	184	12	structure	structure	NOUN
fbem-8623	184	13	.	.	PUNCT
fbem-8623	185	1	for	for	ADP
fbem-8623	185	2	example	example	NOUN
fbem-8623	185	3	,	,	PUNCT
fbem-8623	185	4	data	data	VERB
fbem-8623	185	5	analysis	analysis	NOUN
fbem-8623	185	6	ability	ability	NOUN
fbem-8623	185	7	and	and	CCONJ
fbem-8623	185	8	market	market	NOUN
fbem-8623	185	9	interest	interest	NOUN
fbem-8623	185	10	rate	rate	NOUN
fbem-8623	185	11	sensitivity	sensitivity	NOUN
fbem-8623	185	12	training	training	NOUN
fbem-8623	185	13	for	for	ADP
fbem-8623	185	14	actuarial	actuarial	ADJ
fbem-8623	185	15	talents	talent	NOUN
fbem-8623	185	16	,	,	PUNCT
fbem-8623	185	17	marketing	marketing	NOUN
fbem-8623	185	18	and	and	CCONJ
fbem-8623	185	19	consumer	consumer	NOUN
fbem-8623	185	20	psychology	psychology	NOUN
fbem-8623	185	21	training	training	NOUN
fbem-8623	185	22	for	for	ADP
fbem-8623	185	23	product	product	NOUN
fbem-8623	185	24	development	development	NOUN
fbem-8623	185	25	departments	department	NOUN
fbem-8623	185	26	,	,	PUNCT
fbem-8623	185	27	big	big	ADJ
fbem-8623	185	28	data	datum	NOUN
fbem-8623	185	29	208	208	NUM
fbem-8623	185	30	analysis	analysis	NOUN
fbem-8623	185	31	for	for	ADP
fbem-8623	185	32	insurance	insurance	NOUN
fbem-8623	185	33	marketers	marketer	NOUN
fbem-8623	185	34	,	,	PUNCT
fbem-8623	185	35	and	and	CCONJ
fbem-8623	185	36	market	market	NOUN
fbem-8623	185	37	analysis	analysis	NOUN
fbem-8623	185	38	ability	ability	NOUN
fbem-8623	185	39	training	training	NOUN
fbem-8623	185	40	for	for	ADP
fbem-8623	185	41	investment	investment	NOUN
fbem-8623	185	42	talents	talent	NOUN
fbem-8623	185	43	.	.	PUNCT
fbem-8623	186	1	(	(	PUNCT
fbem-8623	186	2	5	5	X
fbem-8623	186	3	)	)	PUNCT
fbem-8623	186	4	cultivate	cultivate	VERB
fbem-8623	186	5	good	good	ADJ
fbem-8623	186	6	corporate	corporate	ADJ
fbem-8623	186	7	culture	culture	NOUN
fbem-8623	186	8	to	to	PART
fbem-8623	186	9	retain	retain	VERB
fbem-8623	186	10	talents	talent	NOUN
fbem-8623	186	11	.	.	PUNCT
fbem-8623	187	1	enterprise	enterprise	NOUN
fbem-8623	187	2	culture	culture	NOUN
fbem-8623	187	3	is	be	AUX
fbem-8623	187	4	the	the	DET
fbem-8623	187	5	soul	soul	NOUN
fbem-8623	187	6	of	of	ADP
fbem-8623	187	7	enterprise	enterprise	NOUN
fbem-8623	187	8	development	development	NOUN
fbem-8623	187	9	,	,	PUNCT
fbem-8623	187	10	is	be	AUX
fbem-8623	187	11	the	the	DET
fbem-8623	187	12	intangible	intangible	ADJ
fbem-8623	187	13	assets	asset	NOUN
fbem-8623	187	14	of	of	ADP
fbem-8623	187	15	enterprise	enterprise	NOUN
fbem-8623	187	16	survival	survival	NOUN
fbem-8623	187	17	,	,	PUNCT
fbem-8623	187	18	is	be	AUX
fbem-8623	187	19	the	the	DET
fbem-8623	187	20	characterization	characterization	NOUN
fbem-8623	187	21	of	of	ADP
fbem-8623	187	22	enterprise	enterprise	NOUN
fbem-8623	187	23	soft	soft	ADJ
fbem-8623	187	24	strength	strength	NOUN
fbem-8623	187	25	.	.	PUNCT
fbem-8623	188	1	excellent	excellent	ADJ
fbem-8623	188	2	corporate	corporate	ADJ
fbem-8623	188	3	culture	culture	NOUN
fbem-8623	188	4	will	will	AUX
fbem-8623	188	5	make	make	VERB
fbem-8623	188	6	employees	employee	NOUN
fbem-8623	188	7	have	have	VERB
fbem-8623	188	8	a	a	DET
fbem-8623	188	9	sense	sense	NOUN
fbem-8623	188	10	of	of	ADP
fbem-8623	188	11	identity	identity	NOUN
fbem-8623	188	12	.	.	PUNCT
fbem-8623	189	1	through	through	ADP
fbem-8623	189	2	normalized	normalize	VERB
fbem-8623	189	3	organizational	organizational	ADJ
fbem-8623	189	4	learning	learning	NOUN
fbem-8623	189	5	,	,	PUNCT
fbem-8623	189	6	discussion	discussion	NOUN
fbem-8623	189	7	and	and	CCONJ
fbem-8623	189	8	exchange	exchange	NOUN
fbem-8623	189	9	,	,	PUNCT
fbem-8623	189	10	and	and	CCONJ
fbem-8623	189	11	expansion	expansion	NOUN
fbem-8623	189	12	activities	activity	NOUN
fbem-8623	189	13	,	,	PUNCT
fbem-8623	189	14	employees	employee	NOUN
fbem-8623	189	15	'	'	PART
fbem-8623	189	16	understanding	understanding	NOUN
fbem-8623	189	17	and	and	CCONJ
fbem-8623	189	18	cognition	cognition	NOUN
fbem-8623	189	19	of	of	ADP
fbem-8623	189	20	corporate	corporate	ADJ
fbem-8623	189	21	culture	culture	NOUN
fbem-8623	189	22	are	be	AUX
fbem-8623	189	23	strengthened	strengthen	VERB
fbem-8623	189	24	,	,	PUNCT
fbem-8623	189	25	so	so	SCONJ
fbem-8623	189	26	that	that	SCONJ
fbem-8623	189	27	corporate	corporate	ADJ
fbem-8623	189	28	culture	culture	NOUN
fbem-8623	189	29	can	can	AUX
fbem-8623	189	30	penetrate	penetrate	VERB
fbem-8623	189	31	into	into	ADP
fbem-8623	189	32	all	all	DET
fbem-8623	189	33	aspects	aspect	NOUN
fbem-8623	189	34	of	of	ADP
fbem-8623	189	35	company	company	NOUN
fbem-8623	189	36	management	management	NOUN
fbem-8623	189	37	and	and	CCONJ
fbem-8623	189	38	operation	operation	NOUN
fbem-8623	189	39	.	.	PUNCT
fbem-8623	190	1	it	it	PRON
fbem-8623	190	2	also	also	ADV
fbem-8623	190	3	gives	give	VERB
fbem-8623	190	4	employees	employee	NOUN
fbem-8623	190	5	reasonable	reasonable	ADJ
fbem-8623	190	6	material	material	NOUN
fbem-8623	190	7	security	security	NOUN
fbem-8623	190	8	while	while	SCONJ
fbem-8623	190	9	the	the	DET
fbem-8623	190	10	environment	environment	NOUN
fbem-8623	190	11	is	be	AUX
fbem-8623	190	12	softly	softly	ADV
fbem-8623	190	13	eroded	erode	VERB
fbem-8623	190	14	.	.	PUNCT
fbem-8623	191	1	6	6	X
fbem-8623	191	2	.	.	X
fbem-8623	191	3	conclusion	conclusion	NOUN
fbem-8623	191	4	due	due	ADP
fbem-8623	191	5	to	to	ADP
fbem-8623	191	6	the	the	DET
fbem-8623	191	7	impact	impact	NOUN
fbem-8623	191	8	of	of	ADP
fbem-8623	191	9	the	the	DET
fbem-8623	191	10	global	global	ADJ
fbem-8623	191	11	spread	spread	NOUN
fbem-8623	191	12	of	of	ADP
fbem-8623	191	13	covid-19	covid-19	PROPN
fbem-8623	191	14	,	,	PUNCT
fbem-8623	191	15	domestic	domestic	ADJ
fbem-8623	191	16	life	life	NOUN
fbem-8623	191	17	insurance	insurance	NOUN
fbem-8623	191	18	companies	company	NOUN
fbem-8623	191	19	still	still	ADV
fbem-8623	191	20	face	face	VERB
fbem-8623	191	21	many	many	ADJ
fbem-8623	191	22	difficulties	difficulty	NOUN
fbem-8623	191	23	to	to	PART
fbem-8623	191	24	complete	complete	VERB
fbem-8623	191	25	industrial	industrial	ADJ
fbem-8623	191	26	transformation	transformation	NOUN
fbem-8623	191	27	and	and	CCONJ
fbem-8623	191	28	industrial	industrial	ADJ
fbem-8623	191	29	upgrading	upgrading	NOUN
fbem-8623	191	30	and	and	CCONJ
fbem-8623	191	31	realize	realize	VERB
fbem-8623	191	32	sustainable	sustainable	ADJ
fbem-8623	191	33	development	development	NOUN
fbem-8623	191	34	in	in	ADP
fbem-8623	191	35	the	the	DET
fbem-8623	191	36	new	new	ADJ
fbem-8623	191	37	environment	environment	NOUN
fbem-8623	191	38	and	and	CCONJ
fbem-8623	191	39	the	the	DET
fbem-8623	191	40	new	new	ADJ
fbem-8623	191	41	era	era	NOUN
fbem-8623	191	42	.	.	PUNCT
fbem-8623	192	1	this	this	DET
fbem-8623	192	2	paper	paper	NOUN
fbem-8623	192	3	makes	make	VERB
fbem-8623	192	4	four	four	NUM
fbem-8623	192	5	key	key	ADJ
fbem-8623	192	6	points	point	NOUN
fbem-8623	192	7	on	on	ADP
fbem-8623	192	8	the	the	DET
fbem-8623	192	9	response	response	NOUN
fbem-8623	192	10	strategies	strategy	NOUN
fbem-8623	192	11	of	of	ADP
fbem-8623	192	12	life	life	NOUN
fbem-8623	192	13	insurance	insurance	NOUN
fbem-8623	192	14	companies	company	NOUN
fbem-8623	192	15	in	in	ADP
fbem-8623	192	16	the	the	DET
fbem-8623	192	17	environment	environment	NOUN
fbem-8623	192	18	of	of	ADP
fbem-8623	192	19	continuous	continuous	ADJ
fbem-8623	192	20	low	low	ADJ
fbem-8623	192	21	interest	interest	NOUN
fbem-8623	192	22	rate	rate	NOUN
fbem-8623	192	23	:	:	PUNCT
fbem-8623	192	24	(	(	PUNCT
fbem-8623	192	25	1	1	X
fbem-8623	192	26	)	)	PUNCT
fbem-8623	192	27	the	the	DET
fbem-8623	192	28	rate	rate	NOUN
fbem-8623	192	29	design	design	NOUN
fbem-8623	192	30	of	of	ADP
fbem-8623	192	31	life	life	NOUN
fbem-8623	192	32	insurance	insurance	NOUN
fbem-8623	192	33	products	product	NOUN
fbem-8623	192	34	is	be	AUX
fbem-8623	192	35	more	more	ADJ
fbem-8623	192	36	in	in	ADP
fbem-8623	192	37	line	line	NOUN
fbem-8623	192	38	with	with	ADP
fbem-8623	192	39	the	the	DET
fbem-8623	192	40	potential	potential	ADJ
fbem-8623	192	41	expected	expect	VERB
fbem-8623	192	42	interest	interest	NOUN
fbem-8623	192	43	rate	rate	NOUN
fbem-8623	192	44	changes	change	NOUN
fbem-8623	192	45	and	and	CCONJ
fbem-8623	192	46	grasp	grasp	VERB
fbem-8623	192	47	the	the	DET
fbem-8623	192	48	overall	overall	ADJ
fbem-8623	192	49	development	development	NOUN
fbem-8623	192	50	direction	direction	NOUN
fbem-8623	192	51	of	of	ADP
fbem-8623	192	52	the	the	DET
fbem-8623	192	53	country	country	NOUN
fbem-8623	192	54	;	;	PUNCT
fbem-8623	192	55	(	(	PUNCT
fbem-8623	192	56	2	2	X
fbem-8623	192	57	)	)	PUNCT
fbem-8623	192	58	build	build	VERB
fbem-8623	192	59	a	a	DET
fbem-8623	192	60	new	new	ADJ
fbem-8623	192	61	channel	channel	NOUN
fbem-8623	192	62	of	of	ADP
fbem-8623	192	63	investment	investment	NOUN
fbem-8623	192	64	and	and	CCONJ
fbem-8623	192	65	financial	financial	ADJ
fbem-8623	192	66	management	management	NOUN
fbem-8623	192	67	and	and	CCONJ
fbem-8623	192	68	strengthen	strengthen	VERB
fbem-8623	192	69	the	the	DET
fbem-8623	192	70	use	use	NOUN
fbem-8623	192	71	of	of	ADP
fbem-8623	192	72	funds	fund	NOUN
fbem-8623	192	73	;	;	PUNCT
fbem-8623	192	74	(	(	PUNCT
fbem-8623	192	75	3	3	X
fbem-8623	192	76	)	)	PUNCT
fbem-8623	192	77	the	the	DET
fbem-8623	192	78	marketing	marketing	NOUN
fbem-8623	192	79	model	model	NOUN
fbem-8623	192	80	of	of	ADP
fbem-8623	192	81	new	new	ADJ
fbem-8623	192	82	life	life	NOUN
fbem-8623	192	83	insurance	insurance	NOUN
fbem-8623	192	84	business	business	NOUN
fbem-8623	192	85	based	base	VERB
fbem-8623	192	86	on	on	ADP
fbem-8623	192	87	the	the	DET
fbem-8623	192	88	internet	internet	NOUN
fbem-8623	192	89	,	,	PUNCT
fbem-8623	192	90	focus	focus	VERB
fbem-8623	192	91	on	on	ADP
fbem-8623	192	92	the	the	DET
fbem-8623	192	93	construction	construction	NOUN
fbem-8623	192	94	of	of	ADP
fbem-8623	192	95	a	a	DET
fbem-8623	192	96	complete	complete	ADJ
fbem-8623	192	97	online	online	ADJ
fbem-8623	192	98	insurance	insurance	NOUN
fbem-8623	192	99	sales	sale	NOUN
fbem-8623	192	100	platform	platform	NOUN
fbem-8623	192	101	;	;	PUNCT
fbem-8623	192	102	(	(	PUNCT
fbem-8623	192	103	4	4	X
fbem-8623	192	104	)	)	PUNCT
fbem-8623	192	105	accelerate	accelerate	VERB
fbem-8623	192	106	the	the	DET
fbem-8623	192	107	construction	construction	NOUN
fbem-8623	192	108	of	of	ADP
fbem-8623	192	109	talent	talent	NOUN
fbem-8623	192	110	training	training	NOUN
fbem-8623	192	111	and	and	CCONJ
fbem-8623	192	112	build	build	VERB
fbem-8623	192	113	a	a	DET
fbem-8623	192	114	reasonable	reasonable	ADJ
fbem-8623	192	115	talent	talent	NOUN
fbem-8623	192	116	growth	growth	NOUN
fbem-8623	192	117	system	system	NOUN
fbem-8623	192	118	.	.	PUNCT
fbem-8623	193	1	references	reference	NOUN
fbem-8623	193	2	[	[	X
fbem-8623	193	3	1	1	NUM
fbem-8623	193	4	]	]	PUNCT
fbem-8623	193	5	b.	b.	PROPN
fbem-8623	193	6	pei	pei	PROPN
fbem-8623	193	7	,	,	PUNCT
fbem-8623	193	8	j.	j.	PROPN
fbem-8623	193	9	guo	guo	PROPN
fbem-8623	193	10	,	,	PUNCT
fbem-8623	193	11	“	"	PUNCT
fbem-8623	193	12	reasons	reason	NOUN
fbem-8623	193	13	for	for	ADP
fbem-8623	193	14	low	low	ADJ
fbem-8623	193	15	interest	interest	NOUN
fbem-8623	193	16	rate	rate	NOUN
fbem-8623	193	17	policies	policy	NOUN
fbem-8623	193	18	and	and	CCONJ
fbem-8623	193	19	their	their	PRON
fbem-8623	193	20	impact	impact	NOUN
fbem-8623	193	21	on	on	ADP
fbem-8623	193	22	capital	capital	NOUN
fbem-8623	193	23	markets	market	NOUN
fbem-8623	193	24	:	:	PUNCT
fbem-8623	193	25	a	a	DET
fbem-8623	193	26	literature	literature	NOUN
fbem-8623	193	27	review	review	NOUN
fbem-8623	193	28	,	,	PUNCT
fbem-8623	193	29	”	"	PUNCT
fbem-8623	193	30	china	china	PROPN
fbem-8623	193	31	economic	economic	PROPN
fbem-8623	193	32	&	&	CCONJ
fbem-8623	193	33	trade	trade	PROPN
fbem-8623	193	34	herald	herald	PROPN
fbem-8623	193	35	,	,	PUNCT
fbem-8623	193	36	vol	vol	NOUN
fbem-8623	193	37	.	.	PROPN
fbem-8623	193	38	989	989	NUM
fbem-8623	193	39	,	,	PUNCT
fbem-8623	193	40	no	no	INTJ
fbem-8623	193	41	.	.	NOUN
fbem-8623	193	42	12	12	NUM
fbem-8623	193	43	,	,	PUNCT
fbem-8623	193	44	pp	pp	ADJ
fbem-8623	193	45	.	.	PUNCT
fbem-8623	194	1	185	185	NUM
fbem-8623	194	2	-	-	SYM
fbem-8623	194	3	188	188	NUM
fbem-8623	194	4	,	,	PUNCT
fbem-8623	194	5	dec	dec	PROPN
fbem-8623	194	6	.	.	PROPN
fbem-8623	194	7	2020	2020	NUM
fbem-8623	194	8	.	.	PUNCT
fbem-8623	195	1	[	[	X
fbem-8623	195	2	2	2	NUM
fbem-8623	195	3	]	]	PUNCT
fbem-8623	195	4	z.	z.	PROPN
fbem-8623	195	5	cai	cai	PROPN
fbem-8623	195	6	,	,	PUNCT
fbem-8623	195	7	“	"	PUNCT
fbem-8623	195	8	influence	influence	NOUN
fbem-8623	195	9	of	of	ADP
fbem-8623	195	10	interest	interest	NOUN
fbem-8623	195	11	rate	rate	NOUN
fbem-8623	195	12	liberalization	liberalization	NOUN
fbem-8623	195	13	on	on	ADP
fbem-8623	195	14	the	the	DET
fbem-8623	195	15	product	product	NOUN
fbem-8623	195	16	pricing	pricing	NOUN
fbem-8623	195	17	strategy	strategy	NOUN
fbem-8623	195	18	of	of	ADP
fbem-8623	195	19	china	china	PROPN
fbem-8623	195	20	's	's	PART
fbem-8623	195	21	life	life	NOUN
fbem-8623	195	22	insurance	insurance	NOUN
fbem-8623	195	23	market,”m.s	market,”m.	NOUN
fbem-8623	195	24	.	.	PUNCT
fbem-8623	196	1	thesis	thesis	NOUN
fbem-8623	196	2	,	,	PUNCT
fbem-8623	196	3	fudan	fudan	PROPN
fbem-8623	196	4	univ	univ	PROPN
fbem-8623	196	5	.	.	PROPN
fbem-8623	196	6	,	,	PUNCT
fbem-8623	196	7	shanghai	shanghai	PROPN
fbem-8623	196	8	,	,	PUNCT
fbem-8623	196	9	china	china	PROPN
fbem-8623	196	10	,	,	PUNCT
fbem-8623	196	11	2009	2009	NUM
fbem-8623	196	12	.	.	PUNCT
fbem-8623	197	1	[	[	X
fbem-8623	197	2	3	3	X
fbem-8623	197	3	]	]	X
fbem-8623	197	4	s.	s.	PROPN
fbem-8623	197	5	tang	tang	PROPN
fbem-8623	197	6	,	,	PUNCT
fbem-8623	197	7	“	"	PUNCT
fbem-8623	197	8	thinking	think	VERB
fbem-8623	197	9	on	on	ADP
fbem-8623	197	10	the	the	DET
fbem-8623	197	11	investment	investment	NOUN
fbem-8623	197	12	strategy	strategy	NOUN
fbem-8623	197	13	of	of	ADP
fbem-8623	197	14	low	low	ADJ
fbem-8623	197	15	interest	interest	NOUN
fbem-8623	197	16	rate	rate	NOUN
fbem-8623	197	17	environment	environment	NOUN
fbem-8623	197	18	under	under	ADP
fbem-8623	197	19	the	the	DET
fbem-8623	197	20	perspective	perspective	NOUN
fbem-8623	197	21	of	of	ADP
fbem-8623	197	22	asset	asset	NOUN
fbem-8623	197	23	and	and	CCONJ
fbem-8623	197	24	liability	liability	NOUN
fbem-8623	197	25	management,”china	management,”china	PROPN
fbem-8623	197	26	insurance	insurance	NOUN
fbem-8623	197	27	,	,	PUNCT
fbem-8623	197	28	vol	vol	NOUN
fbem-8623	197	29	.	.	PROPN
fbem-8623	198	1	395	395	NUM
fbem-8623	198	2	,	,	PUNCT
fbem-8623	198	3	no	no	INTJ
fbem-8623	198	4	.	.	NOUN
fbem-8623	198	5	11	11	NUM
fbem-8623	198	6	,	,	PUNCT
fbem-8623	198	7	pp	pp	ADJ
fbem-8623	198	8	.	.	PUNCT
fbem-8623	199	1	8	8	NUM
fbem-8623	199	2	-	-	SYM
fbem-8623	199	3	12	12	NUM
fbem-8623	199	4	,	,	PUNCT
fbem-8623	199	5	nov	nov	PROPN
fbem-8623	199	6	.	.	PROPN
fbem-8623	199	7	2020	2020	NUM
fbem-8623	199	8	.	.	PUNCT
fbem-8623	200	1	[	[	X
fbem-8623	200	2	4	4	X
fbem-8623	200	3	]	]	X
fbem-8623	200	4	y.	y.	PROPN
fbem-8623	200	5	zhou	zhou	PROPN
fbem-8623	200	6	,	,	PUNCT
fbem-8623	200	7	“	"	PUNCT
fbem-8623	200	8	international	international	ADJ
fbem-8623	200	9	experience	experience	NOUN
fbem-8623	200	10	of	of	ADP
fbem-8623	200	11	insurance	insurance	NOUN
fbem-8623	200	12	asset	asset	NOUN
fbem-8623	200	13	allocation	allocation	NOUN
fbem-8623	200	14	in	in	ADP
fbem-8623	200	15	the	the	DET
fbem-8623	200	16	era	era	NOUN
fbem-8623	200	17	of	of	ADP
fbem-8623	200	18	low	low	ADJ
fbem-8623	200	19	interest	interest	NOUN
fbem-8623	200	20	rate,”china	rate,”china	NOUN
fbem-8623	200	21	insurance	insurance	NOUN
fbem-8623	200	22	,	,	PUNCT
fbem-8623	200	23	vol	vol	NOUN
fbem-8623	200	24	.	.	PROPN
fbem-8623	201	1	395	395	NUM
fbem-8623	201	2	,	,	PUNCT
fbem-8623	201	3	no	no	INTJ
fbem-8623	201	4	.	.	NOUN
fbem-8623	201	5	11	11	NUM
fbem-8623	201	6	,	,	PUNCT
fbem-8623	201	7	pp	pp	ADJ
fbem-8623	201	8	.	.	PUNCT
fbem-8623	202	1	22	22	NUM
fbem-8623	202	2	-	-	SYM
fbem-8623	202	3	25	25	NUM
fbem-8623	202	4	,	,	PUNCT
fbem-8623	202	5	apr	apr	PROPN
fbem-8623	202	6	.	.	PUNCT
fbem-8623	202	7	2020	2020	NUM
fbem-8623	202	8	.	.	PUNCT
fbem-8623	203	1	[	[	X
fbem-8623	203	2	5	5	X
fbem-8623	203	3	]	]	PUNCT
fbem-8623	203	4	j.	j.	PROPN
fbem-8623	203	5	liu	liu	PROPN
fbem-8623	203	6	.	.	PUNCT
fbem-8623	204	1	“	"	PUNCT
fbem-8623	204	2	investment	investment	NOUN
fbem-8623	204	3	strategy	strategy	NOUN
fbem-8623	204	4	of	of	ADP
fbem-8623	204	5	life	life	NOUN
fbem-8623	204	6	insurance	insurance	NOUN
fbem-8623	204	7	companies	company	NOUN
fbem-8623	204	8	at	at	ADP
fbem-8623	204	9	low	low	ADJ
fbem-8623	204	10	interest	interest	NOUN
fbem-8623	204	11	rates,”china	rates,”china	PROPN
fbem-8623	204	12	insurance	insurance	NOUN
fbem-8623	204	13	,	,	PUNCT
fbem-8623	204	14	no.4	no.4	PROPN
fbem-8623	204	15	,	,	PUNCT
fbem-8623	204	16	pp	pp	NOUN
fbem-8623	204	17	.	.	PUNCT
fbem-8623	205	1	18	18	NUM
fbem-8623	205	2	-	-	SYM
fbem-8623	205	3	21	21	NUM
fbem-8623	205	4	,	,	PUNCT
fbem-8623	205	5	apr	apr	PROPN
fbem-8623	205	6	.	.	PROPN
fbem-8623	205	7	2003	2003	NUM
fbem-8623	205	8	.	.	PUNCT