earned premium income

简明释义

保费收入

英英释义

例句

1.Analysts predict that earned premium income 已赚保费收入 will rise as more individuals seek insurance coverage.

分析师预测，随着越来越多的人寻求保险覆盖，已赚保费收入 earned premium income 将会上升。

2.The insurance company reported a significant increase in earned premium income 已赚保费收入 this quarter due to new policy sales.

保险公司报告本季度由于新保单销售，已赚保费收入 earned premium income 显著增长。

3.Investors are keen on the insurer's earned premium income 已赚保费收入 as it indicates financial stability.

投资者对保险公司的已赚保费收入 earned premium income 感兴趣，因为这表明财务稳定性。

4.The company's earned premium income 已赚保费收入 is a key metric for assessing profitability.

公司的已赚保费收入 earned premium income 是评估盈利能力的关键指标。

5.The increase in earned premium income 已赚保费收入 allows the company to expand its services.

增加的已赚保费收入 earned premium income 使公司能够扩展其服务。

作文

In the world of insurance, understanding various financial terms is crucial for both professionals and clients. One such term that often arises in discussions about an insurance company's financial health is earned premium income. This term refers to the portion of premiums that an insurance company has recognized as revenue during a specific period, typically aligned with the coverage provided to policyholders. In simpler terms, it represents the money that an insurance company has 'earned' from the policies it has sold, after accounting for the time that has passed since those policies were issued. To better understand earned premium income, it is essential to differentiate it from other related terms such as 'written premium' and 'unearned premium.' The written premium is the total amount of premiums an insurance company has received from policyholders for their insurance policies within a particular timeframe. However, not all of this money can be immediately counted as income. The earned premium income is calculated by taking into account the duration of the insurance coverage. For instance, if a company sells a one-year policy for $1,200, it would recognize $100 as earned premium income each month until the policy expires. This distinction is vital because it directly impacts an insurer's financial statements. When insurers report their earnings, they must ensure that they are only recognizing the earned premium income that corresponds to the coverage period that has already elapsed. This practice aligns with the accrual basis of accounting, where revenue is recognized when it is earned, rather than when cash is received. By doing so, insurance companies can present a more accurate picture of their financial performance and stability. Moreover, understanding earned premium income is important for policyholders as well. It helps them comprehend how their premiums contribute to the insurer's financial health and how claims are funded. When an insurance company has a strong earned premium income, it indicates that the company is effectively managing its risk and maintaining a steady flow of revenue, which ultimately benefits policyholders through the availability of funds for claims and payouts. In addition to its significance in financial reporting, earned premium income also plays a role in determining an insurer's profitability and pricing strategies. Companies must analyze their earned premium income in relation to their claims expenses and operational costs to assess their overall profitability. If an insurer consistently generates more earned premium income than it pays out in claims, it can reinvest those profits into the business, improve services, or reduce premiums for customers. In conclusion, the concept of earned premium income is a fundamental aspect of the insurance industry that reflects how effectively an insurer converts premiums into revenue over time. By grasping this term, both insurance professionals and consumers can gain valuable insights into the financial dynamics of insurance companies. Understanding earned premium income not only aids in evaluating an insurer's performance but also fosters a more informed relationship between insurers and their policyholders, ultimately leading to a healthier insurance market.

在保险行业，理解各种财务术语对于专业人士和客户都至关重要。其中一个常常在讨论保险公司财务健康时出现的术语是已赚保费收入。这个术语指的是保险公司在特定期间内已经确认的作为收入的保费部分，通常与提供给投保人的保障相一致。简单来说，它代表了保险公司从其销售的保单中“赚取”的钱，在考虑到自这些保单发行以来经过的时间后。 为了更好地理解已赚保费收入，有必要将其与其他相关术语如“已承保保费”和“未赚保费”区分开来。已承保保费是指保险公司在特定时间段内从投保人那里收到的总保费金额。然而，这些钱并不能立即全部算作收入。已赚保费收入是通过考虑保险保障的持续时间来计算的。例如，如果一家公司出售一份为期一年的保单，保费为1200美元，则每个月会将100美元作为已赚保费收入，直到保单到期。 这种区分是至关重要的，因为它直接影响到保险公司的财务报表。当保险公司报告其收益时，必须确保仅识别与已经过去的保障期相对应的已赚保费收入。这种做法符合权责发生制的会计原则，即在收入被赚取时进行确认，而不是在现金收到时。这样做可以让保险公司呈现出更准确的财务表现和稳定性。 此外，理解已赚保费收入对于投保人同样重要。它帮助他们理解自己的保费如何对保险公司的财务健康产生影响，以及索赔是如何获得资金的。当一家保险公司拥有强劲的已赚保费收入时，意味着该公司有效地管理了风险，并保持了稳定的收入流，这最终通过为索赔和支付提供资金而使投保人受益。 除了在财务报告中的重要性外，已赚保费收入还在确定保险公司的盈利能力和定价策略中发挥着作用。公司必须分析其已赚保费收入与索赔支出和运营成本之间的关系，以评估其整体盈利能力。如果一家保险公司持续产生的已赚保费收入超过其支付的索赔金额，则可以将这些利润再投资于业务、改善服务或降低客户的保费。 总之，已赚保费收入的概念是保险行业的一个基本方面，反映了保险公司如何有效地将保费转化为随时间变化的收入。通过掌握这个术语，无论是保险专业人士还是消费者，都可以深入了解保险公司的财务动态。理解已赚保费收入不仅有助于评估保险公司的表现，还促进了保险公司与其投保人之间更加知情的关系，最终导致一个更健康的保险市场。