reduced paid-up insurance

简明释义

减额支村保险

英英释义

例句

1.The agent explained that reduced paid-up insurance (减额交清保险) allows me to keep some coverage without ongoing premiums.

代理人解释说，减额交清保险（减额交清保险）让我可以保留一些保障，而无需继续支付保费。

2.If I choose reduced paid-up insurance (减额交清保险), my death benefit will be lower than my original policy.

如果我选择减额交清保险（减额交清保险），我的身故赔偿金将低于我原来的保单。

3.Converting to reduced paid-up insurance (减额交清保险) is a strategic way to maintain some level of protection.

转换为减额交清保险（减额交清保险）是一种保持一定保护水平的战略方式。

4.Many policyholders opt for reduced paid-up insurance (减额交清保险) when they can no longer afford the premiums.

许多保单持有人在无法再支付保费时选择减额交清保险（减额交清保险）。

5.After several years of paying premiums, I decided to convert my whole life policy into reduced paid-up insurance (减额交清保险) to avoid further payments.

在支付了几年的保费后，我决定将我的终身保险转换为减额交清保险（减额交清保险），以避免进一步的付款。

作文

In the world of insurance, understanding various policies and terms is crucial for making informed decisions. One such term that often arises in discussions about life insurance is reduced paid-up insurance. This concept can be a valuable option for policyholders who find themselves in need of adjusting their insurance coverage without losing their investment. reduced paid-up insurance (缩减缴费保单) refers to a non-forfeiture option available in whole life insurance policies. When a policyholder decides to stop paying premiums, they may opt for this option instead of letting the policy lapse completely.The primary advantage of reduced paid-up insurance is that it allows the policyholder to maintain a level of coverage even after ceasing premium payments. The insurance company will take the accumulated cash value of the policy and convert it into a new, reduced amount of insurance that does not require further premium payments. This means that while the death benefit may be lower than the original policy, the policyholder still retains some level of protection for their beneficiaries.For many individuals, the decision to switch to reduced paid-up insurance can stem from various life changes. For instance, if a policyholder experiences financial difficulties, they may find it challenging to keep up with premium payments. Instead of letting their policy lapse and losing the benefits accrued over the years, they can choose this option to secure a smaller death benefit without the ongoing financial burden. This flexibility makes reduced paid-up insurance an attractive choice for many.Additionally, it’s important to note that once the policyholder opts for reduced paid-up insurance, the coverage remains in force for the rest of their life, provided that the policy was originally structured as a whole life policy. This permanence offers peace of mind, knowing that beneficiaries will receive a payout upon the policyholder's death, even if the policy has been modified.However, there are considerations to keep in mind when choosing reduced paid-up insurance. The new death benefit, while still valuable, is significantly less than what the original policy would have provided had premiums continued to be paid. Therefore, it is essential for policyholders to carefully evaluate their current and future needs before making this decision. Consulting with a financial advisor or insurance agent can provide insights into whether this option aligns with their long-term financial goals.In conclusion, reduced paid-up insurance serves as a practical solution for individuals seeking to maintain some level of life insurance coverage without the stress of ongoing premium payments. By understanding this option, policyholders can make more informed choices that reflect their changing circumstances. Ultimately, the ability to adjust one’s insurance policy in response to life’s unpredictability is a significant advantage in financial planning, ensuring that loved ones remain protected even in times of financial strain.

在保险的世界里，理解各种政策和术语对于做出明智的决策至关重要。在关于人寿保险的讨论中，一个常常出现的术语是缩减缴费保单。这个概念对于那些需要调整保险覆盖范围而不想失去投资的投保人来说，可以成为一种有价值的选择。缩减缴费保单指的是一种存在于终身人寿保险中的非丧失选项。当投保人决定停止支付保费时，他们可以选择这个选项，而不是让保单完全失效。缩减缴费保单的主要优点是，它允许投保人在停止支付保费后仍然保持一定的保险覆盖。保险公司将保单的累计现金价值转换为一份新的、减少的保险金额，而无需进一步支付保费。这意味着虽然死亡赔偿金可能低于原始保单，但投保人仍然为其受益人保留了一定程度的保护。对于许多人来说，选择转向缩减缴费保单的决定可能源于各种生活变化。例如，如果投保人经历了财务困难，他们可能发现很难继续支付保费。与其让保单失效并失去多年来积累的利益，不如选择这一选项，以确保在没有持续财务负担的情况下获得较小的死亡赔偿金。这种灵活性使得缩减缴费保单对许多人来说具有吸引力。此外，需要注意的是，一旦投保人选择缩减缴费保单，该保险将在其余生内保持有效，只要该保单最初是作为终身保单结构的。这种永久性提供了安心，知道在投保人去世时，受益人将会收到赔付，即使该保单已经被修改。然而，在选择缩减缴费保单时，有一些考虑因素需要牢记。新的死亡赔偿金虽然仍然有价值，但显著低于如果继续支付保费时原始保单所提供的金额。因此，投保人在做出这个决定之前，必须仔细评估他们当前和未来的需求。咨询财务顾问或保险代理人可以提供有关此选项是否与他们的长期财务目标一致的见解。总之，缩减缴费保单作为一种实用的解决方案，服务于那些希望在没有持续保费压力的情况下维持某种程度人寿保险覆盖的人。通过理解这一选项，投保人可以做出更符合其变化情况的明智选择。最终，根据生活的不确定性调整保险政策的能力，是财务规划中的一个重要优势，确保即使在财务压力时期，亲人也能得到保护。