The bonds can be sold to a worldwide market by insurance companies that incur major risks by writing policies. If the insurance companies can get a good enough price for such bonds, they can eliminate their exposure to the risk of a major disaster, thereby allowing them to issue policies to homeowners at a lower cost.
我们可以考虑巨灾债券，这种债券规定当某种特定灾难发生时，债券购买者不必还债。这些债券可以通过那些凭书面保单进行重大风险赔付的保险公司在全世界发行。如果保险公司能够在这些债券上得到不错的价格，他们便不必承担重大灾害的风险，因而可以低价为屋主投保。