participating policies

简明释义

使股东有权参与剩余利润分配的保险单

英英释义

例句

1.Investing in participating policies can provide additional financial benefits over time.

投资于参与型保单可以随着时间的推移提供额外的财务利益。

2.Many insurance companies offer participating policies to allow policyholders to share in the company's profits.

许多保险公司提供参与型保单，以便保单持有人分享公司的利润。

3.When you purchase a participating policy, you may receive dividends based on the insurer's performance.

当你购买参与型保单时，你可能会根据保险公司的表现获得红利。

4.The participating policies from this company have a strong track record of paying dividends.

这家公司的参与型保单在支付红利方面有着良好的记录。

5.Some clients prefer participating policies because they offer a combination of protection and investment.

一些客户更喜欢参与型保单，因为它们提供保护和投资的组合。

作文

In the world of insurance, understanding different types of policies is crucial for making informed decisions. One such type is known as participating policies, which play a significant role in the financial planning of many individuals. These policies are unique because they allow policyholders to share in the profits of the insurance company. This sharing of profits typically comes in the form of dividends, which can be used in various ways, such as reducing premiums, purchasing additional coverage, or even being taken as cash. The concept of participating policies is particularly appealing to those who want not only protection but also a potential return on their investment. Unlike non-participating policies, which do not offer dividends, participating policies provide a sense of ownership and involvement in the company's performance. This can be particularly beneficial during profitable years when dividends may be substantial. Moreover, the dividends from participating policies are generally not guaranteed, which means that policyholders should be aware of the risks involved. However, many established insurance companies have a long history of paying out dividends, making these policies a more attractive option for those who prioritize both security and potential growth. For instance, a family might choose a participating whole life insurance policy to ensure that they have lifelong coverage while also benefiting from the company's success over time. Another important aspect of participating policies is their flexibility. Policyholders often have the option to decide how they want to use their dividends. This flexibility allows individuals to tailor their insurance experience to their specific financial goals and needs. For example, one might opt to reinvest dividends to increase the policy's cash value, while another might prefer to take the dividends as income during retirement. In addition to providing financial benefits, participating policies can also contribute to peace of mind. Knowing that you are part of a company that shares its profits can create a sense of community and stability. This is especially true for policyholders who have been with the same company for many years and have witnessed their dividends grow. The trust built over time can lead to a stronger commitment to the policy and the insurer. Furthermore, it is essential for potential buyers to conduct thorough research before committing to a participating policy. Understanding the insurer's financial health, dividend history, and overall reputation in the industry can make a significant difference in the decision-making process. A policyholder should also consider their long-term financial goals and whether a participating policy aligns with those objectives. In conclusion, participating policies represent a compelling option for individuals seeking both insurance coverage and the opportunity to benefit from the company's success. By understanding the mechanics of these policies, potential policyholders can make informed choices that align with their financial goals. While they come with certain risks, the potential for dividends and the flexibility they offer make them an attractive choice for many. As with any financial product, due diligence is key, and consulting with a financial advisor can help navigate the complexities of insurance planning. Overall, participating policies can serve as a valuable tool in one's financial arsenal, providing protection, potential returns, and peace of mind.

在保险的世界里，理解不同类型的保单对于做出明智的决策至关重要。其中一种类型被称为参与型保单，它在许多人的财务规划中发挥着重要作用。这些保单的独特之处在于，它们允许保单持有人分享保险公司的利润。这种利润分享通常以红利的形式出现，可以用于多种方式，例如减少保费、购买额外的保障，甚至可以作为现金提取。参与型保单的概念对那些不仅想要保护而且希望获得潜在投资回报的人特别有吸引力。与不参与的保单不同，后者不提供红利，参与型保单提供了一种拥有感和对公司业绩参与的感觉。这在公司盈利丰厚的年份尤其有益，因为红利可能会相当可观。此外，参与型保单的红利通常是不保证的，这意味着保单持有人需要意识到其中的风险。然而，许多成立已久的保险公司有着支付红利的悠久历史，使得这些保单对那些既重视安全又重视潜在增长的人来说更具吸引力。例如，一个家庭可能会选择参与型终身寿险，以确保他们终身有保障，同时也能从公司的成功中获益。参与型保单的另一个重要方面是其灵活性。保单持有人通常可以选择如何使用他们的红利。这种灵活性使个人能够根据自己的财务目标和需求量身定制保险体验。例如，有人可能选择将红利再投资以增加保单的现金价值，而另一些人可能更愿意在退休期间将红利作为收入。除了提供财务利益之外，参与型保单还可以带来心灵的安宁。知道你是一个分享利润的公司的成员，可以创造一种社区和稳定感。这在那些与同一家公司合作多年并见证红利增长的保单持有人中尤为真实。随着时间的推移建立的信任可以导致对保单和保险公司的更强承诺。此外，潜在买家在承诺购买参与型保单之前进行彻底研究是至关重要的。了解保险公司的财务健康状况、红利历史以及整体行业声誉可以在决策过程中产生重大影响。保单持有人还应考虑他们的长期财务目标，以及参与型保单是否与这些目标一致。总之，参与型保单代表了一个引人注目的选择，适合寻求保险保障和受益于公司成功机会的个人。通过理解这些保单的运作机制，潜在保单持有人可以做出与其财务目标一致的明智选择。虽然它们存在一定的风险，但红利的潜力和提供的灵活性使它们对许多人来说成为一种有吸引力的选择。与任何金融产品一样，尽职调查至关重要，咨询财务顾问可以帮助导航保险规划的复杂性。总体而言，参与型保单可以作为个人财务工具中的宝贵工具，提供保护、潜在回报和内心的安宁。