earned premium

简明释义

已到期保险金

英英释义

例句

1.The earned premium 已赚保费 reflects the portion of premiums that have been recognized as income.

earned premium 已赚保费反映了已被确认作为收入的保费部分。

2.A sudden rise in claims can affect the earned premium 已赚保费 calculations for the year.

索赔的突然增加可能会影响今年的earned premium 已赚保费计算。

3.Investors look at the earned premium 已赚保费 when evaluating an insurance company's performance.

投资者在评估保险公司的表现时会关注earned premium 已赚保费。

4.An insurer must calculate its earned premium 已赚保费 accurately to assess profitability.

保险公司必须准确计算其earned premium 已赚保费以评估盈利能力。

5.The insurance company reported an increase in its earned premium 已赚保费 for the last quarter, indicating better financial health.

保险公司报告称其上个季度的earned premium 已赚保费有所增加，这表明财务状况改善。

作文

In the world of insurance, understanding key terms is essential for both professionals and clients. One such term is earned premium, which plays a crucial role in determining an insurance company's financial health. To grasp the concept of earned premium, one must first understand what premiums are. A premium is the amount paid by the policyholder to the insurance company in exchange for coverage. This payment can be made monthly, quarterly, or annually, depending on the policy's terms.The earned premium refers to the portion of the premium that an insurance company has recognized as income during a specific period. For example, if a policyholder pays an annual premium at the beginning of the policy year, the insurance company does not immediately recognize the entire amount as income. Instead, it will gradually recognize the premium as earned over the course of the year. This process reflects the fact that the insurance company is providing coverage over time and that the risk is being assumed progressively.To illustrate this further, consider a scenario where an individual purchases a one-year insurance policy for $1,200. If the policy starts on January 1st, the insurance company will recognize $100 as earned premium each month. By the end of June, the company would have recognized $600 as earned premium, reflecting the coverage provided during the first half of the year. This gradual recognition is vital for accurately assessing the company's revenue and ensuring that it maintains sufficient reserves to pay out claims.Understanding earned premium is also important for evaluating an insurance company's profitability. The earned premium is used in conjunction with incurred losses and expenses to calculate the loss ratio and expense ratio, which are critical metrics for assessing the operational efficiency of an insurer. A high loss ratio may indicate that the company is paying out too many claims relative to its earned premium, while a low loss ratio suggests better profitability and risk management.Furthermore, the concept of earned premium is essential when considering the impact of cancellations and non-renewals. If a policyholder cancels their policy midway through the year, the insurance company must adjust its earned premium accordingly. For instance, if the policyholder cancels after six months, the company can only recognize the earned premium for that period, which would be $600 in our earlier example. This adjustment ensures that the company's financial statements accurately reflect its actual income from premiums.In conclusion, the term earned premium is fundamental in the insurance industry, representing the portion of premiums that an insurer has rightfully recognized as income over a given period. It is essential for assessing financial stability, profitability, and operational efficiency. By understanding earned premium, both insurance professionals and clients can make more informed decisions and foster a better understanding of how insurance companies operate. This comprehension ultimately leads to a more transparent and trustworthy relationship between insurers and policyholders.

在保险行业，理解关键术语对专业人士和客户都至关重要。其中一个术语是已赚保费，它在确定保险公司的财务健康状况方面起着至关重要的作用。要理解已赚保费的概念，首先必须了解保费是什么。保费是投保人向保险公司支付的金额，以换取保险保障。根据保单的条款，这一付款可以按月、按季度或按年支付。已赚保费指的是保险公司在特定期间内已确认的作为收入的保费部分。例如，如果投保人在保单年度开始时支付了年度保费，保险公司不会立即将整个金额视为收入。相反，它会在一年内逐渐确认保费为已赚。这一过程反映了保险公司在提供覆盖范围的同时，风险是逐步承担的。为了更好地说明这一点，考虑一个场景：个人购买了一份为期一年的保险政策，费用为1200美元。如果保单从1月1日开始，保险公司将每月确认100美元作为已赚保费。到6月底，公司将确认600美元作为已赚保费，反映出在上半年提供的保障。这种逐步确认对于准确评估公司的收入并确保其保持足够的准备金以支付索赔至关重要。理解已赚保费也对评估保险公司的盈利能力至关重要。已赚保费与发生的损失和费用一起用于计算损失比率和费用比率，这些都是评估保险公司运营效率的关键指标。高损失比率可能表明公司相对于其已赚保费支付了过多的索赔，而低损失比率则表明更好的盈利能力和风险管理。此外，已赚保费的概念在考虑取消和不续保的影响时也至关重要。如果投保人在年度中途取消保单，保险公司必须相应地调整其已赚保费。例如，如果投保人在六个月后取消保单，则公司只能确认该期间的已赚保费，在我们之前的例子中为600美元。这一调整确保公司的财务报表准确反映其来自保费的实际收入。总之，术语已赚保费在保险行业中是基础，代表保险公司在给定期间内合法确认的保费部分。它对于评估财务稳定性、盈利能力和运营效率至关重要。通过理解已赚保费，保险专业人士和客户都可以做出更明智的决策，并促进对保险公司运作方式的更好理解。这种理解最终导致保险公司与投保人之间建立更透明、更值得信赖的关系。