paid-up insurance premium

简明释义

已清缴保费

英英释义

例句

1.The agent explained how the paid-up insurance premium 已交保费 can help reduce my overall insurance costs.

代理人解释了如何利用已交保费 已交保费来降低我的整体保险费用。

2.I decided to convert my whole life policy into a paid-up insurance premium 已交保费 status to avoid further payments.

我决定将我的终身险转换为已交保费 已交保费状态，以避免进一步的付款。

3.After reviewing my policy, I realized that I had a significant amount of paid-up insurance premium 已交保费 that I could use for future coverage.

在审查我的保单后，我意识到我有一笔可观的已交保费 已交保费可以用于未来的保障。

4.My grandfather had a policy that became a paid-up insurance premium 已交保费 after several years of consistent payments.

我祖父有一份保单，在持续支付多年后变成了已交保费 已交保费。

5.Understanding the benefits of a paid-up insurance premium 已交保费 can significantly impact your financial planning.

了解已交保费 已交保费的好处可以显著影响你的财务规划。

作文

Understanding the concept of a paid-up insurance premium is crucial for anyone looking to secure their financial future through insurance. In simple terms, a paid-up insurance premium refers to a situation where the policyholder has paid enough premiums to the insurance company to keep the policy active without the need for further payments. This can often happen in whole life insurance policies, where the premiums are structured in such a way that after a certain period, the policy becomes 'paid-up'.One of the primary benefits of having a paid-up insurance premium is the peace of mind it provides. Once a policy is paid-up, the insured does not have to worry about making monthly or annual payments. This can be especially beneficial for individuals who may face financial difficulties later in life. For example, retirees on a fixed income may find it challenging to continue paying for insurance premiums, but if they have a paid-up insurance premium, they can maintain their coverage without the stress of ongoing payments.Moreover, a paid-up insurance premium can also serve as a financial tool for wealth accumulation. Many whole life insurance policies accumulate cash value over time. When a policy is paid-up, the cash value continues to grow, providing the policyholder with an asset they can borrow against or withdraw from in times of need. This can be a strategic financial move, allowing individuals to access funds without incurring taxes, as long as the policy remains in force.In addition to the financial benefits, a paid-up insurance premium can also provide a sense of security for the policyholder’s beneficiaries. Life insurance is designed to provide financial support to loved ones after the policyholder's death. With a paid-up policy, beneficiaries will receive the death benefit without any complications related to unpaid premiums. This ensures that the intended financial support reaches the beneficiaries without any interruptions or delays.However, it is essential for policyholders to understand the nuances of paid-up insurance premium. Not all policies offer this feature, and the terms can vary significantly between different insurance providers. It is advisable for individuals to consult with insurance professionals to fully understand how their premiums work and what options are available to them.In conclusion, a paid-up insurance premium represents a significant milestone in the life of an insurance policy. It not only alleviates the financial burden of ongoing payments but also enhances the policy's value as a financial asset. As individuals plan for their future, understanding the implications of a paid-up insurance premium can empower them to make informed decisions that align with their financial goals. Whether for personal peace of mind or for the benefit of loved ones, knowing about this aspect of insurance can lead to more secure financial planning and legacy building.

理解“已付保费”的概念对于任何希望通过保险保障自己财务未来的人来说都是至关重要的。简单来说，已付保费指的是投保人已向保险公司支付足够的保费，使得保单在不需要进一步付款的情况下保持有效的情况。这种情况通常发生在终身寿险中，保费的结构使得在一定时期后，保单变为“已付”。拥有已付保费的主要好处之一是它所提供的安心感。一旦保单已付，投保人就不必担心每月或每年的付款。这对于那些在生活后期可能面临财务困难的人来说尤其有益。例如，固定收入的退休人员可能会发现继续支付保险保费具有挑战性，但如果他们拥有已付保费，则可以在没有持续支付压力的情况下维持他们的保障。此外，已付保费也可以作为财富积累的金融工具。许多终身寿险政策会随着时间的推移积累现金价值。当保单已付时，现金价值会继续增长，为投保人提供一个可以借贷或提取的资产。这可以是一种战略性的财务举措，使个人能够在需要时获得资金，而无需缴纳税款，只要保单保持有效。除了财务利益之外，已付保费还可以为投保人的受益人提供安全感。人寿保险旨在为投保人去世后的亲人提供财务支持。通过一份已付的保单，受益人将会收到死亡赔偿金，而无需担心未支付保费的复杂问题。这确保了预期的财务支持能够顺利到达受益人，没有任何中断或延误。然而，投保人必须了解已付保费的细微差别。并非所有保单都提供这一特性，并且不同保险提供商之间的条款可能会有显著差异。建议个人咨询保险专业人士，以充分了解他们的保费如何运作以及可用的选择。总之，已付保费代表着保险保单中的一个重要里程碑。它不仅减轻了持续付款的财务负担，还增强了保单作为金融资产的价值。在个人规划未来时，了解已付保费的含义可以使他们能够做出与其财务目标相一致的明智决策。无论是为了个人的安心还是为了受益人的利益，了解这一保险方面都可以导致更安全的财务规划和遗产建设。