underwriting limit

简明释义

承保限额

英英释义

例句

1.Before approving the loan, the bank checked the underwriting limit for the applicant's credit score.

在批准贷款之前，银行检查了申请人信用评分的承保限额。

2.The insurance company has set a strict underwriting limit for high-risk policies.

保险公司对高风险保单设定了严格的承保限额。

3.The broker informed the client that their policy would be subject to an underwriting limit based on their health history.

经纪人通知客户，由于其健康历史，他们的保单将受到承保限额的限制。

4.In commercial real estate, investors must be aware of the underwriting limit when securing financing.

在商业房地产中，投资者在获得融资时必须了解承保限额。

5.An underwriting limit helps insurers manage their risk exposure effectively.

承保限额帮助保险公司有效管理其风险敞口。

作文

In the world of finance and insurance, understanding various terms is crucial for both professionals and clients. One such term is the underwriting limit, which plays a significant role in the underwriting process. The underwriting limit refers to the maximum amount of risk that an insurer is willing to take on for a particular policy or client. This limit is determined based on several factors, including the client's financial history, the nature of the risk being insured, and the overall market conditions. To illustrate the importance of the underwriting limit, let’s consider a hypothetical scenario involving a health insurance company. Suppose the company has set an underwriting limit of $1 million for individual health policies. This means that for any single policyholder, the insurer will not cover more than $1 million in medical expenses. If a client applies for health insurance and has a history of serious medical conditions, the insurer may decide to adjust the underwriting limit downward based on the perceived risk.The underwriting limit is not just a safeguard for the insurer; it also helps maintain the stability of the insurance market. By imposing these limits, insurers can ensure that they do not overextend themselves financially, which could lead to insolvency in the event of multiple large claims. In this way, the underwriting limit acts as a protective measure for both the insurer and the insured, creating a more sustainable environment for risk management.Moreover, the underwriting limit can vary significantly between different types of insurance. For instance, in property insurance, the underwriting limit might be influenced by the value of the property being insured, the location, and the likelihood of natural disasters. In contrast, for life insurance, factors such as age, health status, and lifestyle choices play a more critical role in determining the underwriting limit. Clients seeking insurance should be aware of the underwriting limit as it directly impacts the coverage they receive. It is essential for individuals to disclose accurate information during the application process, as any discrepancies can lead to complications later on. If a claim is filed that exceeds the underwriting limit, the insurer is obligated to pay only up to the specified limit, leaving the insured responsible for any remaining costs.In conclusion, the underwriting limit is a fundamental concept in the insurance industry that helps define the boundaries of risk acceptance for insurers. Understanding this term is vital for anyone involved in the insurance process, whether they are providers or consumers. By recognizing the significance of the underwriting limit, clients can make informed decisions about their coverage options and ensure they have adequate protection against potential risks. It is an essential aspect of risk management that contributes to the overall health and stability of the insurance market.

在金融和保险的世界中，理解各种术语对专业人士和客户都至关重要。其中一个术语是承保限额，它在承保过程中发挥着重要作用。承保限额指的是保险公司愿意承担的特定保单或客户的最大风险金额。这个限额是基于几个因素来确定的，包括客户的财务历史、被保险风险的性质以及整体市场条件。为了说明承保限额的重要性，让我们考虑一个涉及健康保险公司的假设场景。假设该公司为个人健康保单设定了100万美元的承保限额。这意味着对于任何单一的投保人，保险公司将不会支付超过100万美元的医疗费用。如果客户申请健康保险并且有严重医疗状况的历史，保险公司可能会根据感知的风险决定降低承保限额。承保限额不仅是保险公司的保护措施，它还有助于维持保险市场的稳定。通过施加这些限额，保险公司可以确保不在财务上过度扩张，这可能导致在发生多项大额索赔时破产。这样，承保限额既是保险公司又是被保险人的保护措施，创造了一个更可持续的风险管理环境。此外，不同类型的保险的承保限额可能会有显著差异。例如，在财产保险中，承保限额可能受到被保险财产的价值、位置和自然灾害发生可能性的影响。相比之下，在人寿保险中，年龄、健康状况和生活方式选择等因素在确定承保限额方面起着更关键的作用。寻求保险的客户应当意识到承保限额，因为这直接影响他们所获得的保障。在申请过程中，个人必须披露准确的信息，因为任何不一致都可能导致后期的复杂情况。如果提交的索赔超出了承保限额，保险公司有义务只支付到指定限额，剩余的费用将由被保险人负责。总之，承保限额是保险行业中的一个基本概念，有助于定义保险公司接受风险的边界。了解这个术语对参与保险过程的任何人，无论是提供者还是消费者，都是至关重要的。通过认识到承保限额的重要性，客户可以对他们的保障选择做出明智的决定，并确保他们在潜在风险面前有足够的保护。这是风险管理的一个重要方面，有助于保险市场的整体健康和稳定。