cash surrender value; surrender value

简明释义

退保金额

英英释义

例句

1.The surrender value of your whole life policy increases over time as you pay premiums.

你的人寿保险的退保价值会随着你支付保费的时间而增加。

2.If you decide to cancel your life insurance policy, you will receive the cash surrender value, which is the amount you can get back after deducting any fees.

如果你决定取消你的寿险保单，你将获得现金退保价值，这是在扣除任何费用后你可以拿回的金额。

3.Many policyholders are unaware that their policy has a surrender value they can access in case of financial need.

许多保单持有人并不知道他们的保单有一个可以在财务需要时使用的退保价值。

4.Before you make a decision, check the cash surrender value to understand how much money you will receive.

在做决定之前，查看一下现金退保价值以了解你将收到多少钱。

5.The insurance company provided a detailed breakdown of the cash surrender value in the annual statement.

保险公司在年度报表中提供了现金退保价值的详细说明。

作文

The concept of cash surrender value; surrender value is crucial in the realm of life insurance and financial planning. It refers to the amount of money that a policyholder can receive from their insurance company if they decide to terminate their policy before its maturity date. This value is particularly relevant for whole life or universal life insurance policies, which accumulate cash value over time. Understanding this concept can empower individuals to make informed decisions about their financial future.When a person purchases a life insurance policy, especially a permanent one, a portion of the premiums paid contributes to the policy's cash value. Over the years, as the policyholder continues to pay their premiums, the cash value grows, usually on a tax-deferred basis. This growth can be influenced by several factors, including the insurer's performance, interest rates, and the specific terms of the policy. Eventually, the policyholder has the option to access this accumulated value through loans or by surrendering the policy.The cash surrender value; surrender value is the amount available to the policyholder when they choose to cancel their policy. It is essential to note that the cash surrender value is typically less than the total premiums paid into the policy, especially in the early years. This discrepancy arises because insurance companies allocate a significant portion of the initial premiums to cover administrative costs and commissions. Therefore, the policyholder may not see a substantial return if they surrender their policy prematurely.One of the primary advantages of understanding the cash surrender value; surrender value is the flexibility it offers. Policyholders can use the cash value for various purposes, such as funding emergencies, paying off debts, or even investing in other financial products. Additionally, if a policyholder faces financial difficulties, they might consider taking a loan against the cash value rather than surrendering the policy entirely. This approach allows them to maintain their insurance coverage while accessing needed funds.However, it is crucial for policyholders to carefully evaluate their situation before deciding to surrender their policy. The decision should be based on a thorough analysis of their financial needs and goals. For example, if an individual has significant cash value built up but is in good health, they may want to keep the policy active, as it provides lifelong coverage and potential death benefits for their beneficiaries.Moreover, understanding the implications of surrendering a policy is vital. When a policy is surrendered, the policyholder loses all insurance coverage, and the death benefit is no longer available to their beneficiaries. Additionally, any loans taken against the policy's cash value will be deducted from the surrender value, further reducing the amount received.In conclusion, the cash surrender value; surrender value is an essential aspect of life insurance policies that every policyholder should understand. It represents the financial value accumulated within a policy and can provide flexibility in times of need. However, careful consideration is necessary before making the decision to surrender a policy. By being informed about this concept, individuals can better navigate their financial landscape and make choices that align with their long-term objectives.

现金退保价值（cash surrender value; surrender value）的概念在寿险和财务规划领域至关重要。它指的是投保人在决定在保单到期日之前终止保单时可以从保险公司获得的金额。这个价值对于终身寿险或万能寿险特别相关，因为这些保单会随着时间的推移累积现金价值。理解这一概念可以使个人在财务未来的决策中更加明智。当一个人购买一份寿险保单，尤其是永久性保单时，支付的保费中的一部分会贡献给保单的现金价值。随着投保人继续支付保费，多年后，现金价值会增长，通常是免税的。这种增长可能受到多个因素的影响，包括保险公司的表现、利率以及保单的具体条款。最终，投保人可以选择通过贷款或退保来获取这笔累积的价值。现金退保价值; surrender value是投保人在选择取消保单时可获得的金额。需要注意的是，现金退保价值通常低于投保人所支付的总保费，尤其是在早期年份。这种差异的产生是因为保险公司将相当大一部分初始保费分配用于支付管理费用和佣金。因此，如果投保人在过早退保，可能不会看到可观的回报。理解现金退保价值; surrender value的主要优势之一是它所提供的灵活性。投保人可以将现金价值用于各种目的，例如应急资金、偿还债务，甚至投资其他金融产品。此外，如果投保人面临财务困难，他们可以考虑以现金价值为抵押贷款，而不是完全退保。这种方式可以让他们在获取所需资金的同时保持保险覆盖。然而，投保人在决定退保之前必须仔细评估自己的情况。这个决定应该基于对其财务需求和目标的全面分析。例如，如果一个人已经积累了相当的现金价值，但身体健康，他们可能希望保持保单有效，因为这提供了终身保障和潜在的受益人死亡赔偿金。此外，了解退保的影响至关重要。当保单被退保时，投保人失去了所有的保险覆盖，死亡赔偿金不再可用给受益人。此外，任何已对保单现金价值的贷款将从退保价值中扣除，进一步减少所获得的金额。总之，现金退保价值; surrender value是每个投保人都应理解的重要方面。它代表了保单内累积的财务价值，并可以在需要时提供灵活性。然而，在做出退保决定之前，需要仔细考虑。通过了解这一概念，个人可以更好地驾驭自己的财务状况，并做出与长期目标一致的选择。