Question

求高人翻译。英译中

Abstract
Our analysis of the life insurance holdings of male probated decedents in Ontario in 1892 demonstrates a negative correlation between the level of personal wealth and the demand for life insurance. Consistent with the theoretical literature on the demand for life insurance, and counter to the findings in much of the empirical literature, self-insurance was a substitute for market purchases of life insurance where self-insurance capabilities are a by-product of wealth accumulation. Our evidence suggests that households primarily demanded life insurance when they lacked accumulated reserves, or wealth, for self-insurance, often early in the life cycle. The growth of the life insurance industry reflected the growth of urban population relative to farming and an increased dependence on the head of households earnings.

Answer 1

摘要
我们对1892年安大略省的男性订立遗嘱死者的人寿保险财产分析表明在个人财富水平和寿险需求两者之间呈负相关。这与理论文献中对人寿保险的需求一致，而与许多实证文献的结果背道而驰，自我保险是寿险市场购买的替代，在这里自我保险能力是财富积累的副产品。我们的证据表明，家庭在他们缺乏累积储备的时候首先需要人寿保险，或对于富者的自我保险往往在生命早期。寿险业的增长反映了城市相对于农业人口的增长和对家庭收入的依赖。

Answer 2

好难哦