lump sum death benefit

简明释义

死亡总付费

英英释义

例句

1.The lump sum death benefit 一次性死亡赔偿金 can be used for various purposes, including paying off debts or funding education.

这笔一次性死亡赔偿金可以用于各种用途，包括偿还债务或资助教育。

2.Many people choose life insurance policies that include a lump sum death benefit 一次性死亡赔偿金 for financial security.

许多人选择包括一次性死亡赔偿金的寿险保单以确保财务安全。

3.When the insured individual died, the beneficiaries were relieved to receive a lump sum death benefit 一次性死亡赔偿金 that eased their financial burden.

当被保险人去世时，受益人很高兴收到了一笔一次性死亡赔偿金，减轻了他们的经济负担。

4.After the policyholder passed away, the family received a lump sum death benefit 一次性死亡赔偿金 to cover funeral expenses.

在投保人去世后，家人收到了一次性死亡赔偿金来支付葬礼费用。

5.The lump sum death benefit 一次性死亡赔偿金 provided by the insurance company helped the widow pay off their mortgage.

保险公司提供的一次性死亡赔偿金帮助寡妇偿还了抵押贷款。

作文

In today's complex financial landscape, understanding various insurance terms is crucial for individuals planning for their future. One such term that often comes up in discussions about life insurance is lump sum death benefit. This phrase refers to a one-time payment made by an insurance company to the beneficiaries of a deceased policyholder. Rather than receiving payments over time, the beneficiaries receive a single, substantial amount that can be used however they see fit. This financial product is designed to provide immediate financial support to the family or dependents left behind after a policyholder's death.The concept of a lump sum death benefit is particularly significant because it addresses the immediate needs of the bereaved. When a loved one passes away, families often face unexpected expenses, including funeral costs, medical bills, and potential loss of income. A lump sum death benefit can alleviate some of this financial burden, allowing families to focus on grieving rather than worrying about how to pay for these expenses. This benefit can also provide the surviving family members with the means to settle any outstanding debts, ensuring that they do not inherit financial liabilities along with their loss.Furthermore, the flexibility offered by a lump sum death benefit is another reason why many people opt for this type of life insurance. Beneficiaries can use the funds as they deem necessary, whether it’s to pay off a mortgage, invest in education, or even take some time off work to grieve and adjust to their new reality. This flexibility is crucial, as every family has different needs and priorities following the death of a loved one.It is essential to recognize that while a lump sum death benefit provides immediate financial relief, it is also vital for beneficiaries to manage this money wisely. The sudden influx of cash can be overwhelming, and without proper financial planning, beneficiaries may find themselves in a precarious situation just a few months down the line. Therefore, seeking advice from financial advisors or professionals can be beneficial in making informed decisions about how to best utilize this benefit.Moreover, the amount of the lump sum death benefit typically depends on the policyholder's life insurance coverage. Individuals should carefully consider their coverage amounts when purchasing life insurance, as this will directly impact the financial security of their loved ones. It is advisable to assess one’s financial obligations and the needs of dependents before deciding on the appropriate coverage.In conclusion, the lump sum death benefit serves as a crucial financial tool that can provide significant support to families in times of need. By offering a one-time payment to beneficiaries, it addresses immediate financial concerns and allows for flexibility in managing the funds. However, it is equally important for beneficiaries to approach this benefit with caution and seek professional guidance to ensure that the funds are used effectively. Ultimately, understanding the implications of a lump sum death benefit can empower individuals to make informed decisions about their life insurance policies and secure the financial future of their loved ones.

在当今复杂的金融环境中，理解各种保险术语对个人规划未来至关重要。其中一个常常出现在人寿保险讨论中的术语是一次性死亡福利。这个短语指的是保险公司向已故保单持有人的受益人支付的一次性款项。受益人不是分期收到款项，而是获得一笔可观的金额，可以根据自己的需要使用。这种金融产品旨在为逝去保单持有人后留下的家庭或抚养人提供即时的经济支持。一次性死亡福利的概念特别重要，因为它解决了遗属的迫切需求。当亲人去世时，家庭往往面临意想不到的费用，包括丧葬费、医疗账单和潜在的收入损失。一次性死亡福利可以减轻一些经济负担，使家庭能够专注于哀悼，而不是担心如何支付这些费用。这项福利还可以为幸存的家庭成员提供偿还任何未偿债务的手段，确保他们不会在失去亲人的同时继承财务责任。此外，一次性死亡福利所提供的灵活性是许多人选择这种类型人寿保险的另一个原因。受益人可以根据需要使用这笔资金，无论是偿还抵押贷款、投资教育，还是甚至花一些时间休假以哀悼和适应新的现实。这种灵活性至关重要，因为每个家庭在亲人去世后都有不同的需求和优先事项。必须认识到，虽然一次性死亡福利提供了即时的经济救助，但受益人也必须明智地管理这笔钱。突如其来的现金流入可能会令人不知所措，如果没有适当的财务规划，受益人可能会发现自己在几个月后陷入困境。因此，寻求财务顾问或专业人士的建议，在如何有效利用这项福利方面做出明智的决策可能是有益的。此外，一次性死亡福利的金额通常取决于保单持有人的人寿保险覆盖范围。个人在购买人寿保险时应仔细考虑其覆盖金额，因为这将直接影响其所爱之人的财务安全。在决定适当的覆盖范围之前，评估自身的财务义务和依赖者的需求是明智的。总之，一次性死亡福利作为一种关键的金融工具，可以在需要时为家庭提供重要支持。通过向受益人提供一次性付款，它解决了迫切的财务问题，并允许灵活管理资金。然而，受益人同样重要的是谨慎对待这项福利，并寻求专业指导，以确保这些资金得到有效使用。最终，理解一次性死亡福利的含义可以使个人更有能力就其人寿保险政策做出明智的决策，从而保障其所爱之人的财务未来。