preliminary term insurance

简明释义

筹备期间保险

英英释义

例句

1.The application process for preliminary term insurance 初步定期保险 is generally simpler than that for whole life policies.

申请初步定期保险 preliminary term insurance的过程通常比申请终身保险简单。

2.Many young families opt for preliminary term insurance 初步定期保险 because it provides affordable coverage for a set period.

许多年轻家庭选择初步定期保险 preliminary term insurance，因为它在设定的时间内提供经济实惠的保障。

3.Before purchasing a permanent policy, consider starting with preliminary term insurance 初步定期保险 to assess your needs.

在购买永久性保单之前，可以考虑先从初步定期保险 preliminary term insurance开始，以评估自己的需求。

4.When considering life insurance options, many people start with preliminary term insurance 初步定期保险 to cover immediate needs.

在考虑人寿保险选项时，许多人首先选择初步定期保险 preliminary term insurance以满足迫切需求。

5.The financial advisor recommended preliminary term insurance 初步定期保险 as a cost-effective way to protect my family during the initial years of my career.

财务顾问建议我选择初步定期保险 preliminary term insurance，作为保护我家庭的经济有效方式，尤其是在我职业生涯的初期。

作文

In the world of finance and insurance, understanding various terms and products is crucial for making informed decisions. One such term is preliminary term insurance, which refers to a type of life insurance policy that provides coverage for a specified period, typically ranging from one to thirty years. This type of insurance is often used as a temporary solution for individuals who need protection against unforeseen events, such as death or disability, without committing to a permanent policy. The primary purpose of preliminary term insurance is to offer financial security to beneficiaries in the event of the policyholder's untimely demise during the term of the policy.The appeal of preliminary term insurance lies in its affordability and straightforward nature. Unlike whole life or universal life insurance policies, which accumulate cash value over time, term insurance is purely focused on providing a death benefit. This means that premiums for preliminary term insurance are generally lower than those for permanent policies, making it an attractive option for young families or individuals who may not have the financial resources to invest in more complex insurance products.Another key aspect of preliminary term insurance is its flexibility. Policyholders can choose the length of the term based on their specific needs. For instance, a young parent might opt for a 20-year term to ensure their children are financially secure until they reach adulthood. Alternatively, someone nearing retirement might select a shorter term to cover specific debts or obligations that will be paid off in the near future. This adaptability allows individuals to tailor their insurance coverage to align with their life stages and financial goals.However, it is essential to understand that preliminary term insurance does not provide lifelong coverage. Once the term expires, the policyholder has several options: they can renew the policy, convert it to a permanent policy, or allow it to lapse. Renewal may come with increased premiums, reflecting the policyholder's age and health status at the time of renewal. Conversion to a permanent policy can be a viable option for those who wish to maintain coverage beyond the term but should be carefully evaluated due to potential cost implications.Additionally, preliminary term insurance typically does not build cash value, which means that if the policyholder survives the term, there is no payout or return on investment. This characteristic distinguishes it from permanent life insurance policies, which can serve as both a protection and an investment vehicle. Therefore, individuals considering preliminary term insurance must weigh the pros and cons based on their long-term financial plans.In conclusion, preliminary term insurance serves as an essential tool for many individuals seeking temporary financial protection for their loved ones. Its affordability, flexibility, and simplicity make it an appealing choice for those navigating the complexities of life insurance. However, it is crucial for potential policyholders to fully understand the limitations of this product and consider their unique circumstances before making a decision. By doing so, they can ensure that they select the most appropriate insurance coverage to meet their needs and provide peace of mind for themselves and their families.

在金融和保险的世界中，理解各种术语和产品对于做出明智的决策至关重要。一个这样的术语是初步定期保险，它指的是一种提供特定期限内保障的寿险政策，通常范围为一到三十年。这种类型的保险通常作为临时解决方案，供需要保护以防意外事件（如死亡或残疾）的人士使用，而无需承诺购买永久性保险。初步定期保险的主要目的是在保单持有人在保单有效期内不幸去世的情况下，为受益人提供财务保障。初步定期保险的吸引力在于其经济实惠和简单明了的性质。与积累现金价值的终身保险或万能寿险政策不同，定期保险专注于提供死亡赔偿。这意味着初步定期保险的保费通常低于永久性政策，使其对年轻家庭或财务资源有限的个人具有吸引力。初步定期保险的另一个关键方面是其灵活性。保单持有人可以根据自己的具体需求选择期限。例如，一位年轻的父母可能会选择20年的期限，以确保他们的孩子在成年之前的财务安全。或者，接近退休的人可能会选择较短的期限，以覆盖即将到期的特定债务或义务。这种适应性使个人能够根据生活阶段和财务目标量身定制保险覆盖。然而，了解初步定期保险并不提供终身保障是至关重要的。一旦期限到期，保单持有人有几种选择：他们可以续保、将其转换为永久性保单，或让其失效。续保可能会伴随增加的保费，反映保单持人在续保时的年龄和健康状况。将其转换为永久性保单对于希望在期限之后维持保障的人来说可能是可行的选择，但由于潜在的成本影响，应仔细评估。此外，初步定期保险通常不会积累现金价值，这意味着如果保单持有人在期限内生存，就没有赔付或投资回报。这一特征将其与永久性人寿保险政策区分开来，后者可以作为保护和投资工具。因此，考虑初步定期保险的个人必须根据自己的长期财务计划权衡利弊。总之，初步定期保险是许多寻求为所爱的人提供临时财务保护的个人的重要工具。其经济实惠、灵活性和简单性使其成为那些驾驭人寿保险复杂性的人的吸引选择。然而，潜在的保单持有人必须充分理解该产品的局限性，并在做出决定之前考虑自身的独特情况。通过这样做，他们可以确保选择最合适的保险覆盖，以满足他们的需求，并为自己和家人提供安心。