preliminary term insurance

简明释义

接续保险

英英释义

例句

1.Before committing to a long-term policy, some individuals prefer to start with preliminary term insurance.

在承诺长期保单之前，一些人更喜欢先从初步定期保险开始。

2.A financial advisor may suggest preliminary term insurance for clients who want temporary coverage without high premiums.

财务顾问可能会建议客户购买初步定期保险，以便在不高额保费的情况下获得临时保障。

3.The preliminary term insurance policy provided peace of mind during the child's early years.

在孩子的早期，初步定期保险政策提供了安心。

4.Many young families opt for preliminary term insurance to secure their financial future at an affordable rate.

许多年轻家庭选择初步定期保险以以实惠的价格保障他们的财务未来。

5.When applying for a mortgage, lenders often recommend preliminary term insurance as a way to protect the loan.

在申请抵押贷款时，贷方通常建议购买初步定期保险作为保护贷款的一种方式。

作文

Understanding the concept of preliminary term insurance is essential for anyone considering life insurance options. Life insurance serves as a financial safety net for loved ones in the event of an untimely death. Among the various types of life insurance policies available, preliminary term insurance offers a unique approach that can be particularly beneficial for those who are just starting to explore their insurance needs.Preliminary term insurance, or 初步定期保险, typically refers to a short-term life insurance policy designed to provide coverage for a limited period, often ranging from one to five years. This type of insurance is ideal for individuals who may not yet be ready to commit to a long-term policy but still want to ensure that their family is protected during a specific time frame. For example, young professionals may opt for preliminary term insurance while they establish their careers and assess their long-term financial obligations.One of the primary advantages of preliminary term insurance is its affordability. Since it provides coverage for a shorter duration, the premiums are usually lower compared to permanent life insurance policies. This makes it an attractive option for those on a tight budget or for individuals who are new to insurance and want to test the waters without a significant financial commitment.Another benefit of preliminary term insurance is its flexibility. Many policies allow for conversion to a permanent life insurance plan before the term expires, which means that if your circumstances change—such as getting married, having children, or buying a home—you can easily transition to a more comprehensive policy without having to undergo additional medical underwriting. This feature can be particularly advantageous for young families who anticipate their insurance needs will evolve over time.However, it is important to note that preliminary term insurance does not accumulate cash value like some permanent life insurance policies do. This means that while you are paying premiums, you are essentially renting the coverage for the specified term rather than building an investment. Therefore, individuals should carefully consider their long-term financial goals when deciding whether this type of insurance is suitable for them.In conclusion, preliminary term insurance offers a practical solution for those seeking temporary life insurance coverage at an affordable price. It allows individuals to protect their loved ones during critical life stages while providing the flexibility to adapt their insurance needs as their lives change. As with any financial decision, it is crucial to thoroughly research and consult with an insurance professional to determine the best policy for your specific situation. By understanding the ins and outs of preliminary term insurance, individuals can make informed choices that align with their financial goals and family needs.

理解初步定期保险的概念对于任何考虑人寿保险选项的人来说都是至关重要的。人寿保险在不幸去世时为亲人提供经济保障。在各种可用的人寿保险政策中，初步定期保险提供了一种独特的方法，对于那些刚开始探索其保险需求的人尤其有利。初步定期保险通常指的是一种短期人寿保险政策，旨在为有限的时间提供保障，通常范围从一年到五年。这种类型的保险非常适合那些可能还未准备好承诺长期政策，但仍想确保在特定时间内保护其家人的个人。例如，年轻专业人士可能会选择初步定期保险，以便在建立职业生涯和评估长期财务义务时获得保障。初步定期保险的主要优势之一是其经济实惠。由于它提供的是短期保障，因此保费通常低于永久性人寿保险政策。这使其成为预算紧张或新接触保险的个人的一个吸引选项，他们希望在没有重大财务承诺的情况下试水。初步定期保险的另一个好处是其灵活性。许多政策允许在期限到期之前转换为永久人寿保险计划，这意味着如果您的情况发生变化——例如结婚、生育或购房——您可以轻松过渡到更全面的政策，而无需进行额外的医疗审核。这一特性对于预期其保险需求会随着时间而变化的年轻家庭尤为有利。然而，重要的是要注意，初步定期保险并不像某些永久性人寿保险政策那样积累现金价值。这意味着在您支付保费的同时，您实际上是在为特定期限租用保障，而不是建立投资。因此，个人在决定这种类型的保险是否适合自己时，应仔细考虑其长期财务目标。总之，初步定期保险为那些寻求以经济实惠的价格获得临时人寿保险保障的人提供了切实可行的解决方案。它使个人能够在关键生活阶段保护其所爱之人，同时提供根据生活变化调整保险需求的灵活性。与任何财务决策一样，彻底研究并咨询保险专业人士以确定最适合您具体情况的政策是至关重要的。通过理解初步定期保险的方方面面，个人可以做出符合其财务目标和家庭需求的明智选择。