paid-up policy

简明释义

运缴费保险单

英英释义

例句

1.Investing in a paid-up policy 已缴保费的保单 offers peace of mind knowing your investment is secured.

投资于一份已缴保费的保单 已缴保费的保单，让你安心知道你的投资是安全的。

2.A paid-up policy 已缴保费的保单 can be a valuable asset when planning for retirement.

一份已缴保费的保单 已缴保费的保单 在退休规划中可以成为一个有价值的资产。

3.If you stop paying premiums, your insurance may convert to a paid-up policy 已缴保费的保单, but with reduced benefits.

如果你停止支付保费，你的保险可能会转换为已缴保费的保单 已缴保费的保单，但福利会减少。

4.She decided to convert her term life insurance into a paid-up policy 已缴保费的保单 to ensure her family is financially secure.

她决定将定期人寿保险转换为已缴保费的保单 已缴保费的保单，以确保她的家庭财务安全。

5.After paying the premiums for ten years, he finally owns a paid-up policy 已缴保费的保单 that provides lifelong coverage.

在支付了十年的保费后，他终于拥有了一份已缴保费的保单 已缴保费的保单，提供终身保障。

作文

Understanding insurance policies can be quite complex, especially when it comes to terms that are often used interchangeably. One such term is the paid-up policy, which refers to a life insurance policy that has been fully paid for and no further premiums are required. This concept is crucial for policyholders who want to ensure their coverage remains in force without the need for ongoing payments. A paid-up policy can provide peace of mind, particularly for those who may face financial difficulties in the future. In essence, when a policyholder pays enough premiums to cover the total cost of the policy, it becomes a paid-up policy. This means that the insurer will continue to provide coverage until the end of the policy term or until the insured event occurs, such as the death of the insured individual. The significance of this type of policy lies in its ability to offer permanent protection without the burden of regular premium payments.One of the most appealing aspects of a paid-up policy is its stability. For individuals who have made substantial investments in their life insurance, converting to a paid-up policy can be a wise decision. It allows them to maintain their insurance coverage even if they experience changes in their financial situation, such as job loss or retirement. In these scenarios, having a paid-up policy can serve as a safety net, ensuring that beneficiaries are protected financially regardless of the policyholder's current ability to pay premiums.Moreover, a paid-up policy can also accumulate cash value over time. This cash value can be accessed by the policyholder through loans or withdrawals, providing additional financial flexibility. However, it's important to note that any loans taken against the cash value will reduce the death benefit if not repaid. Therefore, understanding the implications of accessing cash value in a paid-up policy is essential for effective financial planning.In contrast, many people may remain unaware of the benefits of a paid-up policy and continue to pay premiums on a policy that could potentially be converted. This lack of awareness can lead to unnecessary financial strain, especially for those who may struggle to meet premium payments as they age or face unexpected expenses. Education about the advantages of a paid-up policy is vital for consumers to make informed decisions regarding their life insurance needs.Additionally, financial advisors play a crucial role in helping clients understand the options available to them, including the potential benefits of transitioning to a paid-up policy. By discussing the long-term implications and the security offered by such policies, advisors can empower clients to take control of their financial futures. In conclusion, a paid-up policy represents a significant aspect of life insurance that provides both security and flexibility. Understanding this term and its implications can greatly benefit policyholders, allowing them to make informed choices that align with their financial goals and ensure the well-being of their loved ones. As we navigate the complexities of insurance, recognizing the importance of a paid-up policy can lead to greater financial stability and peace of mind for all involved.

理解保险政策可能相当复杂，尤其是当涉及到一些常常可以互换使用的术语时。其中一个术语是已交保单，它指的是一项人寿保险政策，该政策已全额支付，不再需要进一步的保费。这个概念对希望确保其保障在没有持续付款需求的情况下保持有效的投保人至关重要。已交保单可以提供安心，特别是对于那些未来可能面临财务困难的人。从本质上讲，当投保人支付足够的保费以覆盖保单的全部费用时，它就变成了已交保单。这意味着保险公司将继续提供保障，直到保单期限结束或发生保险事件，例如被保险人去世。这种类型的保单的重要性在于它能够提供永久保护，而无需定期支付保费。已交保单最吸引人的方面之一是其稳定性。对于已经在其人寿保险中进行了大量投资的个人而言，转换为已交保单可能是明智的选择。它使他们能够在经历财务状况变化（例如失业或退休）时，保持保险保障。在这些情况下，拥有已交保单可以作为安全网，确保受益人在无论投保人当前能否支付保费的情况下都得到经济保护。此外，已交保单还可以随着时间的推移积累现金价值。投保人可以通过贷款或提款访问这笔现金价值，从而提供额外的财务灵活性。然而，重要的是要注意，任何未偿还的贷款都会减少死亡赔偿金。因此，了解在已交保单中访问现金价值的影响对于有效的财务规划至关重要。相比之下，许多人可能仍然不知道已交保单的好处，并继续为可能转换的保单支付保费。这种缺乏意识可能导致不必要的财务压力，特别是对于那些在年老或面临意外支出时可能难以满足保费支付的人来说。教育消费者有关已交保单的优势对其做出明智的保险需求决策至关重要。此外，财务顾问在帮助客户了解可用选项方面发挥着关键作用，包括转向已交保单的潜在好处。通过讨论长期影响和此类保单所提供的安全性，顾问可以使客户能够掌控自己的财务未来。总之，已交保单代表了人寿保险的一个重要方面，提供了安全性和灵活性。理解这个术语及其影响可以极大地使投保人受益，使他们能够做出符合其财务目标的明智选择，并确保其亲人的福祉。在我们应对保险复杂性的过程中，认识到已交保单的重要性可以为所有相关人员带来更大的财务稳定性和内心的平静。