single premium

简明释义

一次付清的保险费

英英释义

例句

1.Many investors prefer policies that offer a single premium (单次保费) to avoid ongoing payments.

许多投资者更喜欢提供single premium (单次保费) 的保单，以避免持续付款。

2.He decided to invest in a life insurance policy that required a single premium (单次保费) payment.

他决定投资一份只需支付single premium (单次保费) 的人寿保险。

3.The single premium (单次保费) option allowed her to secure her retirement fund with one upfront payment.

选择single premium (单次保费) 选项让她通过一次性支付保障了她的退休基金。

4.With a single premium (单次保费) annuity, you can start receiving income immediately.

通过single premium (单次保费) 年金，您可以立即开始获得收入。

5.The single premium (单次保费) investment plan is suitable for those who receive a lump sum inheritance.

对于那些收到一次性遗产的人来说，single premium (单次保费) 投资计划是合适的。

作文

In the world of finance and insurance, the term single premium refers to a payment structure where an individual makes a one-time payment for a policy or investment instead of paying multiple premiums over time. This concept is particularly significant in life insurance policies and certain types of investment products. By opting for a single premium, the policyholder can secure coverage or investment benefits without the hassle of ongoing payments. The main advantage of choosing a single premium payment method is the simplicity it offers. For many individuals, managing multiple payments can be cumbersome and may lead to lapses in coverage if a payment is missed. With a single premium, the policyholder only needs to make one payment, which can simplify financial planning and budgeting. Furthermore, this approach can often result in lower overall costs compared to paying multiple premiums over time, as some insurers offer discounts for upfront payments.Additionally, a single premium can provide immediate benefits. For instance, in the case of life insurance, once the single premium is paid, the policy is active, and the beneficiaries are protected from the moment of payment. This immediacy can be particularly appealing for those looking to ensure their family’s financial security without delay.However, it is important to consider the implications of a single premium payment. While the upfront cost can be beneficial, it also requires a significant initial investment, which may not be feasible for everyone. Individuals must assess their financial situation carefully before committing to a single premium policy. It’s crucial to ensure that they have sufficient funds available to cover this one-time expense without compromising their other financial obligations.Moreover, the choice of a single premium payment can limit flexibility in some cases. Once the payment is made, the policyholder is locked into that specific policy or investment plan. If their financial circumstances change or if they find a better option later, they might not be able to adjust their commitment easily. This lack of flexibility is a critical consideration for anyone contemplating a single premium arrangement.In conclusion, the concept of single premium is an essential aspect of financial planning, particularly in the realms of insurance and investments. It offers simplicity, immediate benefits, and potentially lower costs, making it an attractive option for many. However, individuals must weigh these advantages against the need for a substantial upfront payment and the potential lack of flexibility. As with any financial decision, thorough research and careful consideration of personal circumstances are key to making the right choice. Ultimately, understanding the implications of a single premium payment can help individuals navigate their financial futures more effectively.

在金融和保险领域，术语单次保费指的是一种支付结构，其中个人为政策或投资一次性支付费用，而不是分期支付多次保费。这个概念在寿险政策和某些类型的投资产品中尤为重要。选择单次保费，投保人可以确保覆盖或投资收益，而不必担心持续的支付麻烦。选择单次保费支付方式的主要优势在于它所提供的简单性。对于许多人来说，管理多次支付可能会很麻烦，并且如果错过了某次支付，可能会导致保险失效。通过单次保费，投保人只需进行一次支付，这可以简化财务规划和预算。此外，这种方式相比于分期支付多次保费，通常可以降低总体成本，因为一些保险公司会为一次性支付提供折扣。此外，单次保费也可以提供即时的好处。例如，在寿险的情况下，一旦支付了单次保费，政策便立即生效，受益人从支付的那一刻起就得到了保护。这种及时性对于那些希望确保家庭财务安全的人来说尤其具有吸引力。然而，考虑单次保费支付的影响也很重要。虽然前期费用可能是有利的，但它也需要一次性的重大投资，这对并非所有人来说都是可行的。个人在承诺单次保费政策之前，必须仔细评估自己的财务状况。确保他们有足够的资金来支付这笔一次性费用，而不影响其他财务义务，这一点至关重要。此外，选择单次保费支付在某些情况下可能会限制灵活性。一旦付款完成，投保人就被锁定在特定的政策或投资计划中。如果他们的财务状况发生变化，或者后来发现了更好的选择，他们可能无法轻易调整自己的承诺。这种缺乏灵活性是任何考虑单次保费安排时必须认真考虑的关键因素。总之，单次保费的概念是财务规划的一个重要方面，特别是在保险和投资领域。它提供了简单性、即时的好处和潜在的较低成本，使其对许多人来说具有吸引力。然而，个人必须权衡这些优势与需要大额前期支付以及潜在缺乏灵活性之间的关系。与任何财务决策一样，彻底的研究和对个人情况的仔细考虑是做出正确选择的关键。最终，理解单次保费支付的含义可以帮助个人更有效地规划他们的财务未来。