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原文
Fundamentally， a strong insurance company in the business operators need to adhere to the four iron law： first， to understand all the risks that may result in claims loss exposure； Second， a conservative assessment of any exposure actually lead to the loss probability and iflead to the loss of the costs to be paid and how much. （3） develop a reasonable level of premium income received， to ensure that after costs and operating expenses， net of expected claim losses can produce a certain average earnings. （4） if you can not charge the appropriate premium income would prefer to give up to leave.
Many insurance companies through the test of the first three iron law， but suffered defeat in the fourth off. When other competitors are very eager inappropriate covered by insurance policies， they knew should not be done， I could not turn around to leave. The old saying： "Other people are so dry， so we must do it"， this sentence explain any one industry source of the problem， but the most appropriate for the insurance industry. In fact， a good insurance company， you need to have the habit of independent thinking， this is like a person in the car on the way home， received a phone call from his wife， warning that he said： "Albert， your car must be careful I just heard the radio said， there is one traveling in the opposite direction of the error on the interstate. "he replied：" baby， the other half they did not see the truth， not just a car， but hundreds of vehicles traveling in the opposite direction of the error. "
Ted has been strictly abide by all the four insurance iron law， which reflected his operating results. Under his leadership， General Re to maintain some huge amount of cost of float is lower than the no-cost. We hope the future average continue to do so. Big trouble in the first few years after we acquired General Re is our biggest headache now is our baby.
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