“9.11”恐怖袭击事件不仅造成了大量人员伤亡及财产损失,而且把一些承保这些人员及财产的国际知名人寿保险公司和财产保险公司拖下了深渊。 高风险的美国保险业 在美国,由于经济的高度发达,各种新生事物及产业不断涌现,其中也伴随着大量的风险因素。为了回避随时可能出现的事故及灾难所造成的损失,各类企业均纷纷投保,从而导致了保险业的空前繁荣,目 “9.11” terrorist attacks have not only caused a large number of casualties and property losses, but also dragged some of the world’s leading life insurers and property insurers underwriting these people and assets. High-risk US insurance industry In the United States, due to the highly developed economy, various emerging things and industries are constantly emerging, which is accompanied by a large number of risk factors. In order to avoid possible accidents and disaster losses at any time, all kinds of enterprises have been insured, leading to the unprecedented prosperity of the insurance industry