premium earned

简明释义

实收保险费

英英释义

例句

1.The accountant calculated the premium earned to prepare the financial statements.

会计师计算了已赚保费以准备财务报表。

2.The insurance company reported a significant increase in premium earned for the last quarter.

保险公司报告了上个季度的已赚保费显著增加。

3.Understanding premium earned helps stakeholders assess the company's financial health.

理解已赚保费有助于利益相关者评估公司的财务健康。

4.The annual report highlighted the growth in premium earned from new policies.

年报强调了新保单带来的已赚保费增长。

5.Investors are interested in the premium earned as it indicates revenue generation.

投资者对已赚保费很感兴趣，因为它表明收入生成情况。

作文

In the world of insurance, understanding financial terminology is crucial for both professionals and clients. One such term that often comes up is premium earned, which refers to the portion of the insurance premium that has been recognized as income by the insurer during a specific period. This concept is vital for understanding how insurance companies operate financially and manage their revenue streams. When a customer pays an insurance premium, they are essentially paying for coverage over a certain period. However, not all of that payment is immediately recognized as income. Instead, it is spread out over the life of the policy. For instance, if a policyholder pays an annual premium of $1,200 for a one-year policy, the insurance company will typically recognize $100 as premium earned each month. This process ensures that the revenue is matched with the period in which the insurance coverage is provided, adhering to the principle of revenue recognition in accounting.Understanding premium earned is also essential when evaluating an insurance company's performance. Investors and analysts look at this figure to assess the company's profitability and operational efficiency. A rising premium earned indicates that the company is successfully converting its written premiums into earned income, which is a positive sign for its financial health. Conversely, if the premium earned remains stagnant or declines, it may signal issues in underwriting practices or increased competition. Moreover, the concept of premium earned plays a significant role in determining an insurer's reserves. Insurers are required to maintain a certain level of reserves to ensure they can meet future claims. By accurately calculating premium earned, insurers can better estimate the amount of money they need to set aside. This is particularly important in long-term policies where claims may arise many years after the premium is paid. From a policyholder's perspective, understanding premium earned can help clarify why certain premiums may vary or why refunds might be issued upon cancellation of a policy. If a policy is canceled before the end of its term, the insurer will calculate the premium earned up to the cancellation date and refund any unearned portion to the policyholder. This transparency builds trust between the insurer and the insured, ensuring that clients feel they are being treated fairly. In conclusion, the term premium earned encapsulates a fundamental aspect of insurance finance. It represents the income recognized by an insurer for the coverage provided during a specific timeframe. Understanding this term is not only beneficial for industry professionals but also empowers consumers to make informed decisions about their insurance policies. As the insurance landscape continues to evolve, having a firm grasp of terms like premium earned will remain essential for navigating the complexities of this vital industry.

在保险行业，理解金融术语对专业人士和客户都至关重要。其中一个常见的术语是已赚保费，它指的是保险公司在特定期间内被认可为收入的保险保费部分。这个概念对于理解保险公司如何在财务上运作以及管理其收入流至关重要。当客户支付保险保费时，他们实际上是在为一定时期内的保障支付费用。然而，并不是所有的付款都立即被视为收入。相反，它会在保单的有效期内分摊。例如，如果投保人支付1200美元的年保费用于一年的保单，保险公司通常会每月认可100美元作为已赚保费。这一过程确保了收入与提供保险保障的时间段相匹配，遵循了会计中的收入确认原则。理解已赚保费对于评估保险公司的业绩也至关重要。投资者和分析师查看这一数字以评估公司的盈利能力和运营效率。上升的已赚保费表明公司成功地将其承保保费转化为已赚收入，这对其财务健康是一个积极的信号。相反，如果已赚保费保持停滞或下降，可能表明承保实践存在问题或竞争加剧。此外，已赚保费的概念在确定保险公司的准备金时也发挥着重要作用。保险公司需要维持一定水平的准备金，以确保能够满足未来的索赔。通过准确计算已赚保费，保险公司可以更好地估算需要预留的资金。这在长期保单中尤其重要，因为索赔可能在保费支付多年后才发生。从投保人的角度来看，理解已赚保费可以帮助澄清某些保费为何会有所不同，或者为何在取消保单时可能会发放退款。如果保单在其期限结束之前被取消，保险公司会计算取消日期之前的已赚保费，并向投保人退还任何未赚取的部分。这种透明度建立了保险公司与被保险人之间的信任，确保客户感到自己得到了公平对待。总之，已赚保费这一术语概括了保险金融的一个基本方面。它代表了保险公司在特定时间段内为提供的保障所认可的收入。理解这个术语不仅对行业专业人士有益，而且使消费者能够对自己的保险政策做出明智的决定。随着保险行业的不断发展，牢牢掌握像已赚保费这样的术语将继续对驾驭这一重要行业的复杂性至关重要。