In this paper,we compared the basically results of the researches between expected utility and non expected utility.

Application of expectation effect in the teaching of higher education institutions;

But postponed expectation effect plays an oppressive and killing role to personnel s self-expectance.

applying expectation effect and positive evaluation can increase students′ confidence and restrain their frustration feeling,and make students usually have the happy feeling of success.

The expectancy effect has characteristics of suggestibility,level,centripetal and emotion.

In this paper, we used the theorem of expected utility and non-expected utility to set up utility models for deductible insurance, deduced some basic results for deductible insurance under the "risk-averse" assume, and found out the optimal strategy for deductible insurance by using the concrete utility function in the models.