paid-up insurance premium

简明释义

已缴清保费

英英释义

例句

1.She was relieved to hear that her policy had reached a paid-up insurance premium status after 10 years.

她听到自己的保单在10年后达到了已交保费状态，感到松了一口气。

2.The agent explained that a paid-up insurance premium allows policyholders to maintain coverage without further payments.

代理人解释说，已交保费允许保单持有人在不再支付的情况下维持保障。

3.After years of consistent payments, I finally have a fully paid-up insurance premium that guarantees my family's financial security.

经过多年的持续付款，我终于拥有了一个已交保费，这保证了我家人的财务安全。

4.Once the policyholder reaches a paid-up insurance premium, they no longer need to worry about future payments.

一旦保单持有人达到已交保费，他们就不再需要担心未来的付款。

5.Investing in a whole life policy can lead to a paid-up insurance premium that accumulates cash value over time.

投资于终身保险可以导致一个随着时间积累现金价值的已交保费。

作文

Understanding financial terms is crucial for making informed decisions about investments and insurance. One such term that often comes up in discussions about life insurance is paid-up insurance premium. This term refers to a situation where the policyholder has paid enough premiums to the insurance company, allowing them to maintain their insurance coverage without the need for future payments. This can be particularly beneficial for individuals who may face financial challenges later in life but still want to ensure that their loved ones are protected. When a policyholder opts for a paid-up insurance premium, they essentially convert their policy into a form of insurance that remains active even after they stop making regular payments. This conversion typically occurs after a certain number of years of premium payments. For instance, if you have a whole life insurance policy, you might reach a point where you can choose to stop paying additional premiums and still retain the death benefit associated with your policy. This is a significant advantage, as it provides peace of mind knowing that your beneficiaries will receive the intended payout regardless of your future financial situation.Moreover, a paid-up insurance premium can also accumulate cash value over time. Many whole life insurance policies have a savings component that grows at a guaranteed rate. If you decide to stop paying premiums and convert your policy to paid-up status, this cash value continues to grow, which can be accessed later through loans or withdrawals. This feature adds another layer of financial security, as it provides an additional resource during retirement or in times of need.It is important to note that while a paid-up insurance premium offers several benefits, it is not without its considerations. The initial cost of premiums can be higher than term life insurance, which only covers you for a specified period. However, the long-term benefits of having a permanent policy with a paid-up status can outweigh these initial costs. Policyholders must carefully evaluate their financial situations and future needs before deciding on the type of insurance that best suits them.In conclusion, the concept of a paid-up insurance premium is an essential aspect of life insurance that provides flexibility and security. It allows policyholders to maintain their coverage without ongoing financial commitment, ensuring that their loved ones are protected even in challenging times. As we navigate the complexities of financial planning, understanding terms like these can empower us to make better choices for our future and the future of our families. By being informed about options such as paid-up insurance premium, we can approach our financial goals with confidence and clarity.

理解金融术语对于做出明智的投资和保险决策至关重要。在关于人寿保险的讨论中，常常会提到一个术语，即已缴保费保险。该术语指的是投保人向保险公司支付了足够的保费，使其能够在不需要未来支付的情况下维持保险保障。这对那些在生活中可能面临财务挑战但仍希望确保其亲人受到保护的人尤其有利。当投保人选择已缴保费保险时，他们实际上是将其保单转换为一种保险，即使在停止定期付款后仍然保持有效。这种转换通常发生在支付一定年限的保费后。例如，如果您拥有一份终身人寿保险，您可能会达到一个可以选择停止支付额外保费并仍保留与您的保单相关的死亡赔偿金的点。这是一个显著的优势，因为它提供了安心，知道您的受益人将获得预期的赔付，无论您未来的财务状况如何。此外，已缴保费保险还可以随着时间的推移积累现金价值。许多终身人寿保险政策都有一个以保证利率增长的储蓄成分。如果您决定停止支付保费并将您的保单转换为已缴状态，则该现金价值将继续增长，这可以通过贷款或取款在以后访问。这一特性增加了另一层财务安全，因为它在退休或需要时提供了额外的资源。需要注意的是，虽然已缴保费保险提供了几个好处，但也并非没有考虑因素。相较于仅覆盖特定时期的定期人寿保险，初始保费可能更高。然而，拥有一份永久性保单并处于已缴状态的长期利益可能会超过这些初始成本。投保人必须仔细评估他们的财务状况和未来需求，然后再决定哪种类型的保险最适合他们。总之，已缴保费保险的概念是人寿保险的重要方面，提供了灵活性和安全性。它允许投保人在没有持续财务承诺的情况下维持其保障，确保即使在困难时期，他们的亲人也受到保护。当我们应对财务规划的复杂性时，理解这些术语可以使我们能够做出更好的选择，为我们的未来和家庭的未来做好准备。通过了解像已缴保费保险这样的选项，我们可以自信而清晰地面对我们的财务目标。