group term life insurance

简明释义

团体定期人寿保险

英英释义

例句

1.Many companies offer group term life insurance as part of their employee benefits package.

许多公司将团体定期人寿保险作为员工福利的一部分。

2.Employees often appreciate the affordability of group term life insurance compared to individual policies.

与个人保单相比，员工通常会更欣赏团体定期人寿保险的经济实惠。

3.When joining a new company, it's important to understand the details of their group term life insurance plan.

在加入新公司时，了解他们的团体定期人寿保险计划的细节是很重要的。

4.Some employees may choose to supplement their group term life insurance with additional personal coverage.

一些员工可能会选择用额外的个人保险来补充他们的团体定期人寿保险。

5.The group term life insurance provided by my employer covers a substantial amount for beneficiaries.

我雇主提供的团体定期人寿保险为受益人提供了相当可观的保障金额。

作文

In today's world, financial security is a primary concern for many individuals and families. One way to ensure that your loved ones are protected in the event of an untimely death is through life insurance. Among the various types of life insurance available, group term life insurance stands out as a popular option, especially for employees of large organizations. This type of insurance provides a basic level of coverage that can be beneficial for those who may not have the means or desire to purchase individual life insurance policies. Group term life insurance is typically offered by employers as part of their benefits package. It covers a group of people, usually employees, under a single contract. The premiums for this insurance are often paid by the employer, making it an attractive option for employees who may not otherwise seek life insurance. This arrangement allows employees to obtain coverage without the burden of high costs associated with individual policies. One of the key features of group term life insurance is that it provides a death benefit to the beneficiaries of the insured individuals. In the unfortunate event that an employee passes away while covered by this insurance, their beneficiaries will receive a predetermined sum of money. This financial support can help cover funeral expenses, pay off debts, or provide for the family during a difficult time. Another advantage of group term life insurance is that it typically does not require medical underwriting. This means that employees can enroll in the plan without undergoing a medical exam or answering detailed health questions. This is particularly beneficial for individuals who may have pre-existing health conditions that could make obtaining individual life insurance more challenging or expensive. However, there are some limitations to consider when it comes to group term life insurance. For instance, the coverage amount may not be sufficient for all individuals, especially those with dependents or significant financial obligations. Additionally, if an employee leaves the company or is terminated, they may lose their coverage unless they convert it to an individual policy, which can sometimes be more costly. Despite these limitations, group term life insurance remains an important component of many employees' financial planning strategies. It offers a safety net that can provide peace of mind, knowing that loved ones will be taken care of in the event of a tragedy. Furthermore, it encourages individuals to think about their financial futures and the importance of having a plan in place to protect their families. In conclusion, group term life insurance is a valuable resource for employees seeking financial security for their families. It offers affordable coverage, ease of access, and a straightforward process for obtaining benefits. As individuals navigate the complexities of financial planning, understanding the role of group term life insurance can empower them to make informed decisions that will positively impact their loved ones in the long run.

在当今世界，财务安全是许多个人和家庭的主要关注点。确保在意外去世的情况下保护所爱之人，生命保险是一种有效的方法。在各种可用的生命保险类型中，团体定期人寿保险作为一种流行选择，尤其适合大型组织的员工。这种保险提供基本的保障，对于那些可能没有能力或不愿意购买个人生命保险的人来说，是一种有益的选择。团体定期人寿保险通常由雇主作为其福利套餐的一部分提供。它在单一合同下覆盖一组人，通常是员工。此保险的保费通常由雇主支付，使其成为员工的一个诱人选择，因为他们可能不会主动寻求生命保险。这种安排使员工能够在没有高昂个别保单成本负担的情况下获得保险。团体定期人寿保险的一个关键特点是，它向被保险人的受益人提供死亡赔偿金。如果不幸发生，员工在保险覆盖期间去世，他们的受益人将获得预定数额的钱。这笔经济支持可以帮助支付葬礼费用、偿还债务或在困难时期为家庭提供支持。另一个优势是，团体定期人寿保险通常不需要医疗审核。这意味着员工可以在不进行医疗检查或回答详细健康问题的情况下加入计划。这对于那些可能有既往健康问题的个人尤其有利，因为这些问题可能使获得个人生命保险变得更加困难或昂贵。然而，在考虑团体定期人寿保险时，也有一些限制。例如，保险金额可能不足以满足所有个人的需求，特别是对于那些有抚养人或重大财务义务的人。此外，如果员工离开公司或被解雇，他们可能会失去保险，除非他们将其转换为个人保单，而这有时可能会更昂贵。尽管存在这些限制，团体定期人寿保险仍然是许多员工财务规划策略的重要组成部分。它提供了一张安全网，可以让人们安心，知道在悲剧发生时，他们的亲人将得到照顾。此外，它鼓励个人思考他们的财务未来以及制定计划以保护家庭的重要性。总之，团体定期人寿保险是希望为家庭提供财务安全的员工的宝贵资源。它提供了负担得起的保障、便利的访问以及获得福利的简单过程。当个人在财务规划的复杂性中前行时，理解团体定期人寿保险的作用可以使他们能够做出明智的决策，从而在长远的未来对他们的亲人产生积极影响。