preliminary term insurance

简明释义

持续保险

英英释义

例句

1.Before making a final decision, it's wise to compare different preliminary term insurance policies.

在做出最终决定之前，比较不同的初步定期保险政策是明智的。

2.The preliminary term insurance plan offers coverage for a specified period, usually 10 to 30 years.

该初步定期保险计划提供特定期限的保障，通常为10到30年。

3.Many young families consider preliminary term insurance as a cost-effective way to secure their financial future.

许多年轻家庭将初步定期保险视为确保其财务未来的经济有效方式。

4.Individuals often choose preliminary term insurance because it provides high coverage at lower premiums.

个人通常选择初步定期保险，因为它以较低的保费提供高额保障。

5.When applying for preliminary term insurance, it's important to disclose any pre-existing health conditions.

申请初步定期保险时，重要的是披露任何既往健康状况。

作文

In the world of financial planning, understanding different types of insurance is crucial for securing one's future. One such type of insurance that often comes up in discussions is preliminary term insurance. This form of insurance serves as a foundational step for individuals who are looking to protect their loved ones financially in the event of an untimely death. The term 'preliminary' signifies that this insurance is often a starting point before one delves into more complex and permanent life insurance policies.The concept of preliminary term insurance can be broken down into two main components: 'term' and 'insurance'. 'Term' refers to a specific period during which the insurance coverage is active, typically ranging from one to thirty years. During this time, if the insured individual passes away, the beneficiaries receive a death benefit. This aspect of term insurance makes it an attractive option for young families or individuals with temporary financial obligations, such as a mortgage or education expenses for children.On the other hand, 'insurance' is a risk management tool that provides financial protection against unforeseen events. By paying a regular premium, policyholders ensure that their beneficiaries will receive a specified amount of money upon their death. The affordability of preliminary term insurance is another significant advantage; because it does not build cash value like whole life policies, the premiums are generally lower, making it accessible for many people.Moreover, preliminary term insurance allows individuals to secure coverage at a young age when they are generally healthier and less likely to face high premiums due to health issues. This is particularly important for those who may anticipate changes in their health status in the future. By locking in a lower premium rate now, individuals can save a considerable amount of money over the years.However, it's essential to understand that preliminary term insurance is not a permanent solution. Once the term expires, the coverage ends, and there is no payout if the insured individual survives the term. This limitation can lead to a sense of insecurity for some, as they may find themselves without coverage when they need it most. Therefore, it is advisable to consider transitioning to a permanent life insurance policy as one ages or as financial circumstances change.In conclusion, preliminary term insurance plays a vital role in the landscape of personal finance and insurance. It provides an affordable and straightforward way to ensure that loved ones are financially protected in case of an unexpected loss. While it may not offer the long-term benefits of permanent insurance, it serves as an excellent starting point for individuals who are just beginning to explore their insurance options. As with any financial decision, it is crucial to assess one’s personal needs and circumstances before committing to a policy. Seeking advice from a financial advisor can also help individuals make informed choices about their insurance needs, ensuring they choose the right path for securing their family's future.

在金融规划的世界中，理解不同类型的保险对于保障一个人的未来至关重要。其中一种在讨论中经常出现的保险类型是初步定期保险。这种保险作为个人在意外去世时保护其亲人财务安全的基础步骤。‘初步’一词表明，这种保险通常是一个起点，在深入研究更复杂和永久的人寿保险政策之前。初步定期保险的概念可以分为两个主要组成部分：‘定期’和‘保险’。‘定期’指的是保险保障有效的特定时期，通常从一年到三十年不等。在此期间，如果被保险人去世，受益人将获得一笔死亡赔偿金。这种定期保险的特点使其成为年轻家庭或有临时财务义务（如抵押贷款或子女教育费用）的个人的吸引选项。另一方面，‘保险’是一种风险管理工具，提供对不可预见事件的财务保护。通过支付定期保费，投保人确保他们的受益人在其去世时将收到一笔指定金额的钱。初步定期保险的可负担性是另一个显著优势；因为它不像终身保险那样积累现金价值，所以保费通常较低，使许多人能够获得保险。此外，初步定期保险允许个人在年轻时获得保障，那时他们通常更健康，不太可能因健康问题面临高额保费。这对于那些可能预见到未来健康状况变化的人尤其重要。通过现在锁定较低的保费率，个人可以在多年内节省相当可观的资金。然而，必须理解的是，初步定期保险并不是一个永久性的解决方案。一旦保险期限到期，保障结束，如果被保险人在保险期满后仍然存活，则不会有赔付。这一限制可能会让某些人感到不安，因为他们可能发现自己在最需要的时候没有保险。因此，建议在年龄增长或财务状况变化时考虑转向永久性人寿保险政策。总之，初步定期保险在个人财务和保险的领域中扮演着重要角色。它提供了一种经济实惠且简单的方式，以确保在意外损失的情况下，所爱之人得到财务保护。虽然它可能没有永久保险的长期利益，但它作为刚开始探索保险选择的个人的优秀起点。与任何财务决策一样，在承诺购买保单之前，评估个人的需求和情况至关重要。寻求财务顾问的建议也可以帮助个人做出明智的保险需求选择，确保他们选择正确的路径来保障家庭的未来。