preliminary term insurance

简明释义

初期保险

英英释义

例句

1.For those who are just starting their careers, preliminary term insurance can provide necessary coverage at a low cost.

对于刚开始职业生涯的人来说，初步定期保险可以以低成本提供必要的保障。

2.The agent explained that preliminary term insurance is often more affordable than whole life insurance.

代理人解释说，初步定期保险通常比终身寿险更实惠。

3.Many young families opt for preliminary term insurance to ensure financial security during their early years.

许多年轻家庭选择初步定期保险以确保在早期的财务安全。

4.Before committing to a long-term policy, it's wise to consider preliminary term insurance as a trial.

在承诺长期保单之前，考虑初步定期保险作为试用是明智的。

5.As they plan for retirement, many individuals transition from preliminary term insurance to permanent policies.

在规划退休时，许多人会从初步定期保险过渡到永久性保单。

作文

When it comes to financial planning, understanding various types of insurance is crucial. One term that often arises in discussions about life insurance is preliminary term insurance. This type of insurance serves as a temporary solution for individuals looking to secure their family's financial future without committing to a long-term policy right away. 初步定期保险是指一种短期的生命保险，通常覆盖一段特定的时间，比如10年或20年，旨在为投保人提供在此期间的保障。 The primary benefit of preliminary term insurance is its affordability. Compared to whole life insurance or universal life insurance, which often have higher premiums due to their cash value component, 初步定期保险 offers lower monthly payments. This makes it an attractive option for young families or individuals who are just starting out in their careers and may not have the financial means to invest in more expensive policies.Additionally, preliminary term insurance provides a straightforward approach to life insurance. It typically involves a simple application process and requires less medical underwriting than permanent policies. This can be particularly beneficial for those who may have health concerns or who are looking for immediate coverage. The simplicity of 初步定期保险 allows individuals to focus on their current needs without the complexity of long-term commitments.However, it is essential to understand that preliminary term insurance is not without its limitations. One significant drawback is that it does not build cash value over time, which means that once the term expires, the policyholder will not receive any payout unless they pass away during the term. This aspect can lead to feelings of uncertainty as individuals approach the end of their policy term. Many people find themselves needing to reassess their insurance needs and may face higher premiums if they choose to renew or convert their policy at an older age. Therefore, it is vital to consider long-term financial goals when opting for 初步定期保险.Moreover, while preliminary term insurance can provide essential coverage during critical years, it is often advisable to think about transitioning to a permanent policy later on. This transition can help ensure that individuals maintain lifelong coverage and potentially build cash value. Financial advisors often recommend using 初步定期保险 as a stepping stone, allowing individuals to secure protection while they assess their long-term insurance needs.In conclusion, preliminary term insurance serves as a valuable tool for many individuals seeking affordable life insurance solutions. Its low cost and straightforward nature make it an appealing option for those who need immediate coverage. However, it is important to recognize its limitations and consider how it fits into an overall financial strategy. By understanding the role of 初步定期保险 in the broader context of financial planning, individuals can make informed decisions that ultimately protect their loved ones and secure their financial futures.