life insurance

简明释义

寿险

英英释义

例句

1.He decided to purchase a life insurance policy to secure his family's financial future.

他决定购买一份人寿保险以确保家人的经济未来。

2.Many employers offer life insurance as part of their benefits package.

许多雇主将人寿保险作为福利的一部分。

3.She reviewed her life insurance coverage to ensure it meets her current needs.

她审核了自己的人寿保险保障，以确保它符合她当前的需求。

4.He felt relieved knowing he had life insurance to protect his loved ones.

知道自己有人寿保险来保护所爱的人，他感到宽慰。

5.It's important to name a beneficiary on your life insurance policy.

在你的人寿保险政策上指定受益人是很重要的。

作文

Life is unpredictable, and while we cannot foresee the future, we can take steps to protect our loved ones against unforeseen circumstances. One of the most effective ways to ensure financial security for our family is through life insurance. 人寿保险 serves as a safety net, providing monetary support to beneficiaries in the event of the policyholder's death. This financial product is not just a safeguard; it is a testament to one’s commitment to their family’s well-being even after they are gone.The concept of life insurance is relatively straightforward. When an individual purchases a life insurance policy, they agree to pay regular premiums to an insurance company. In return, the company promises to pay a specified sum of money to the designated beneficiaries upon the policyholder's death. This arrangement can alleviate the financial burden that often accompanies the loss of a loved one, allowing families to maintain their standard of living during a difficult time.There are various types of life insurance, including term life and whole life policies. Term life insurance provides coverage for a specific period, typically ranging from 10 to 30 years. If the policyholder passes away within this term, the beneficiaries receive the death benefit. On the other hand, whole life insurance offers lifelong coverage, along with a savings component that builds cash value over time. This type of policy can be more expensive but provides added benefits, making it an attractive option for many.Understanding the importance of life insurance goes beyond just recognizing its financial benefits. It also involves acknowledging the peace of mind it brings. Knowing that your family will be taken care of financially can significantly reduce anxiety about the future. Many people find comfort in the fact that their loved ones will not have to struggle financially in their absence.Moreover, life insurance can also play a crucial role in estate planning. For individuals who wish to leave behind a legacy or cover estate taxes, a life insurance policy can provide the necessary funds to ensure that their wishes are fulfilled without placing a financial strain on their heirs. This aspect of life insurance highlights its versatility as a financial tool that can adapt to different life stages and circumstances.In conclusion, life insurance is more than just a financial product; it is a vital component of responsible financial planning. It provides security and peace of mind, ensuring that our loved ones are protected even in our absence. By investing in life insurance, individuals demonstrate their love and commitment to their family's future, making it an essential consideration for anyone looking to secure their financial legacy. Whether you are young and starting a family or nearing retirement, life insurance can help you achieve your financial goals and provide stability for those you care about most.

生活是不可预测的，虽然我们无法预见未来，但我们可以采取措施保护我们的亲人免受不可预见的情况影响。确保家庭财务安全的最有效方法之一就是通过人寿保险。人寿保险作为一张安全网，在保单持有人去世的情况下为受益人提供金钱支持。这种金融产品不仅是一种保障；它还是一个人对其家庭福祉承诺的证明，即使在他们去世之后。人寿保险的概念相对简单。当个人购买人寿保险政策时，他们同意向保险公司支付定期保费。作为回报，公司承诺在保单持有人去世时向指定的受益人支付一定金额。这种安排可以减轻失去亲人后通常伴随而来的经济负担，使家庭在艰难时期能够维持生活水平。人寿保险有多种类型，包括定期人寿保险和终身人寿保险。定期人寿保险在特定期限内提供保障，通常为10到30年。如果保单持有人在此期限内去世，受益人将获得死亡赔偿金。另一方面，终身人寿保险提供终身保障，并附带一个随着时间推移而积累现金价值的储蓄组件。这种类型的保单可能更昂贵，但提供了额外的好处，使其成为许多人的吸引选项。理解人寿保险的重要性不仅仅是认识到其财务利益。它还涉及承认它带来的安心感。知道你的家人在你不在时将得到经济上的照顾，可以显著减少对未来的焦虑。许多人在得知他们的爱人不会在自己去世后面临经济困境时感到安慰。此外，人寿保险在遗产规划中也可以发挥重要作用。对于希望留下遗产或支付遗产税的人来说，人寿保险政策可以提供必要的资金，以确保他们的愿望得以实现，而不会给继承人带来经济压力。这一方面突显了人寿保险作为一种金融工具的多功能性，能够适应不同的生活阶段和情况。总之，人寿保险不仅仅是一种金融产品；它是负责任的财务规划的重要组成部分。它提供了安全感和安宁，确保即使在我们缺席时，我们的亲人也受到保护。通过投资于人寿保险，个人展示了他们对家庭未来的爱与承诺，使其成为任何希望确保财务遗产的人的重要考虑因素。无论你是年轻并开始组建家庭，还是接近退休，人寿保险都可以帮助你实现财务目标，并为你最关心的人提供稳定。