participating insurance

简明释义

由相互保险公司所出的分单保险、其利润将来仍退给投保人

英英释义

例句

1.The benefits of participating insurance include both death benefits and cash value accumulation.

参与型保险的好处包括死亡赔偿金和现金价值积累。

2.When considering life insurance, it's important to understand how participating insurance works.

在考虑人寿保险时，了解参与型保险的运作方式非常重要。

3.Investors often look for participating insurance policies to gain both protection and potential returns.

投资者通常寻找参与型保险政策，以获得保障和潜在收益。

4.With participating insurance, you can receive annual dividends that can be used to reduce premiums.

通过参与型保险，您可以获得年度红利，这些红利可以用来减少保费。

5.Many policyholders prefer participating insurance because it offers dividends based on the company's performance.

许多投保人更喜欢参与型保险，因为它根据公司的表现提供红利。

作文

Participating insurance is a type of life insurance policy that allows policyholders to share in the profits of the insurance company. This means that when the company performs well, policyholders may receive dividends, which are essentially a return on their investment. In contrast to non-participating policies, which do not offer such benefits, participating insurance provides an opportunity for policyholders to benefit from the financial success of the insurer. The concept of participating insurance dates back to the early days of mutual insurance companies, where policyholders were also members and had a say in the company’s operations. Today, many insurance companies still offer these types of policies, recognizing the value of aligning the interests of the insurer and the insured. One of the main advantages of participating insurance is the potential for receiving dividends. These dividends can be used in various ways: they can be taken as cash, used to reduce future premiums, or reinvested to increase the policy's cash value. This flexibility makes participating insurance an attractive option for many individuals looking for life insurance coverage.Moreover, participating insurance policies typically have a cash value component, which grows over time. This means that not only does the policy provide a death benefit to beneficiaries, but it also accumulates value while the policyholder is alive. This cash value can be accessed through loans or withdrawals, providing financial security and options in times of need. However, it is important for potential policyholders to understand that participating insurance often comes with higher premiums compared to non-participating policies. This is because the potential for dividends and the cash value growth require a larger initial investment. Therefore, individuals should carefully consider their financial situation and long-term goals before committing to a participating insurance policy.In conclusion, participating insurance offers unique benefits that can enhance the financial security of policyholders. By sharing in the profits of the insurance company, policyholders can enjoy dividends and build cash value, making this type of insurance an appealing choice for those who want more than just a basic life insurance policy. As with any financial product, it is essential to conduct thorough research and consult with a qualified insurance agent to determine if participating insurance aligns with one’s personal financial objectives.

参与型保险是一种人寿保险政策，允许保单持有人分享保险公司的利润。这意味着，当公司表现良好时，保单持有人可能会收到红利，这本质上是对他们投资的回报。与不参与型保单不同，不参与型保单不提供此类利益，参与型保险为保单持有人提供了从保险公司的财务成功中受益的机会。参与型保险的概念可以追溯到互助保险公司的早期，当时保单持有人也是成员，并对公司的运营有发言权。今天，许多保险公司仍然提供这些类型的保单，认识到将保险人和被保险人的利益对齐的价值。参与型保险的主要优点之一是获得红利的潜力。这些红利可以以各种方式使用：可以作为现金领取，用于减少未来的保费，或再投资以增加保单的现金价值。这种灵活性使得参与型保险成为许多寻求生命保险保障的个人的吸引选择。此外，参与型保险政策通常具有现金价值组成部分，随着时间的推移而增长。这意味着，保单不仅为受益人提供死亡赔偿金，而且在保单持有人生存期间也会积累价值。这笔现金价值可以通过贷款或提款来获取，为需要时提供经济保障和选择。然而，潜在的保单持有人需要了解的是，与不参与型保单相比，参与型保险通常伴随更高的保费。这是因为红利的潜力和现金价值增长需要更大的初始投资。因此，个人在承诺购买参与型保险之前，应仔细考虑自己的财务状况和长期目标。总之，参与型保险提供了独特的好处，可以增强保单持有人的财务安全。通过分享保险公司的利润，保单持有人可以享受红利并建立现金价值，使这种类型的保险成为那些想要的不仅仅是基本人寿保险政策的人的吸引选择。与任何金融产品一样，进行彻底的研究并咨询合格的保险代理人，以确定参与型保险是否符合个人财务目标是至关重要的。