double indemnity clause

简明释义

双倍赔偿条款 ［保险业］

英英释义

例句

1.In the event of a tragic accident, the double indemnity clause 双重赔偿条款 can provide significant financial relief.

在悲惨事故发生的情况下，双重赔偿条款 double indemnity clause可以提供显著的经济救助。

2.Many people opt for life insurance policies with a double indemnity clause 双重赔偿条款 to ensure their families are financially secure.

许多人选择带有双重赔偿条款 double indemnity clause的人寿保险，以确保他们的家庭财务安全。

3.Before signing the agreement, he made sure to review the double indemnity clause 双重赔偿条款 for any hidden conditions.

在签署协议之前，他确保审查了双重赔偿条款 double indemnity clause以查找任何隐藏的条件。

4.The lawyer explained how the double indemnity clause 双重赔偿条款 works during the estate planning meeting.

律师在遗产规划会议上解释了双重赔偿条款 double indemnity clause的运作方式。

5.The insurance policy includes a double indemnity clause 双重赔偿条款 that pays out double the face value in case of accidental death.

保险单包括一个双重赔偿条款 double indemnity clause，在意外死亡的情况下支付双倍保额。

作文

In the world of insurance, various terms and clauses govern the relationships between policyholders and insurers. One such important term is the double indemnity clause, which plays a significant role in life insurance policies. Understanding this concept can help individuals make informed decisions when purchasing insurance and ensure that their loved ones are adequately protected in case of unforeseen events.The double indemnity clause is a provision that allows for the payment of double the face value of a life insurance policy if the insured person dies in an accident. This clause is particularly appealing to many policyholders because it provides additional financial security for beneficiaries during a time of loss and grief. In essence, it serves as a safety net, offering more substantial compensation in the event of an accidental death compared to a standard life insurance policy.To illustrate the importance of the double indemnity clause, consider a scenario where a young family relies on a single income. The primary breadwinner has a life insurance policy worth $500,000. If this individual tragically dies in an accident, the family would receive $1,000,000 due to the double indemnity clause. This additional sum can be crucial for covering immediate expenses, such as funeral costs, mortgage payments, and other debts, while also providing a financial cushion for the future.However, it is essential to understand that not all life insurance policies include a double indemnity clause. Policyholders should carefully read the terms and conditions of their insurance contracts to determine whether this provision is included. Additionally, there may be specific circumstances or limitations related to the clause. For instance, some policies may exclude coverage for deaths resulting from certain activities, such as extreme sports or illegal activities. Therefore, it is vital for individuals to discuss these details with their insurance agents to ensure they have a comprehensive understanding of their coverage.Moreover, the double indemnity clause can vary significantly between different insurance providers. Some companies may offer more favorable terms than others, making it crucial for consumers to shop around and compare policies. When evaluating options, potential policyholders should consider not only the presence of the double indemnity clause but also other factors such as premium costs, policy limits, and customer service reputation.In conclusion, the double indemnity clause is a valuable feature in life insurance policies that can provide additional financial support for beneficiaries in the event of an accidental death. By understanding this clause and its implications, individuals can make better-informed decisions regarding their insurance needs. Ultimately, having a policy with a double indemnity clause can bring peace of mind, knowing that loved ones will be taken care of financially during difficult times. As with any financial product, careful consideration and research are key to ensuring that one’s family is protected against the uncertainties of life.

在保险的世界中，各种条款和条款规定了保单持有人与保险公司之间的关系。其中一个重要的术语是双重赔偿条款，它在寿险政策中发挥着重要作用。理解这个概念可以帮助个人在购买保险时做出明智的决定，并确保他们的亲人在意外事件发生时得到充分保护。双重赔偿条款是一项条款，如果被保险人因意外死亡，则允许支付生命保险保单面值的双倍。这一条款对许多保单持有者来说尤其具有吸引力，因为它在失去亲人的时候为受益人提供额外的经济保障。从本质上讲，它充当了一种安全网，在意外死亡的情况下提供更丰厚的赔偿，而不是标准的寿险政策。为了说明双重赔偿条款的重要性，考虑一个场景：一个年轻家庭依赖单一收入。主要的经济支柱拥有一份价值50万美元的寿险保单。如果这个人不幸在一次意外中去世，家庭将因双重赔偿条款获得100万美元。这笔额外的款项对于支付立即的费用，如葬礼费用、抵押贷款和其他债务，以及为未来提供经济缓冲至关重要。然而，重要的是要理解，并非所有的寿险保单都包含双重赔偿条款。保单持有者应仔细阅读其保险合同的条款和条件，以确定该条款是否包含。此外，可能会与该条款相关的特定情况或限制。例如，一些保单可能会排除因某些活动（如极限运动或非法活动）导致的死亡。因此，个人必须与他们的保险代理讨论这些细节，以确保他们全面了解自己的保障范围。此外，双重赔偿条款在不同的保险提供商之间可能有显著差异。一些公司可能提供比其他公司更有利的条款，因此消费者必须进行比较并寻找最佳方案。在评估选项时，潜在的保单持有人应考虑不仅仅是双重赔偿条款的存在，还应考虑其他因素，例如保费成本、保单限额和客户服务声誉。总之，双重赔偿条款是生命保险保单中的一项宝贵特征，可以在意外死亡的情况下为受益人提供额外的经济支持。通过理解这一条款及其影响，个人可以在保险需求方面做出更明智的决定。最终，拥有一份包含双重赔偿条款的保单可以带来安心，知道在困难时期，所爱的人将得到经济上的照顾。与任何金融产品一样，仔细考虑和研究是确保家庭在生活的不确定性中得到保护的关键。