life insurance policy

简明释义

人寿保险单人身保险单

英英释义

例句

1.He reviewed his life insurance policy every year to make sure it met his family's needs.

他每年都会审查他的人寿保险政策，以确保它满足家庭的需求。

2.Before starting a family, they decided to purchase a life insurance policy to ensure financial security for their future children.

在开始组建家庭之前，他们决定购买一份人寿保险政策以确保未来孩子的财务安全。

3.Many employers offer a basic life insurance policy as part of their employee benefits package.

许多雇主将基本的人寿保险政策作为员工福利的一部分提供。

4.After getting married, they updated their life insurance policy to include each other as beneficiaries.

结婚后，他们更新了自己的人寿保险政策，将对方列为受益人。

5.She felt relieved knowing that her life insurance policy would cover her children's education in case anything happened to her.

她感到宽慰，因为知道如果发生任何事情，她的人寿保险政策将支付孩子们的教育费用。

作文

A life insurance policy is a contract between an individual and an insurance company that provides financial protection to the policyholder's beneficiaries in the event of the policyholder's death. This type of insurance is essential for individuals who want to ensure that their loved ones are financially secure after they pass away. The concept of a life insurance policy can seem complex, but it is fundamentally about risk management and providing peace of mind.When a person purchases a life insurance policy, they agree to pay a premium, which is typically paid on a monthly or annual basis. In return, the insurance company promises to pay a specified amount of money, known as the death benefit, to the beneficiaries upon the policyholder's death. This financial support can help cover various expenses, such as funeral costs, outstanding debts, and daily living expenses, allowing the beneficiaries to maintain their standard of living during a difficult time.There are several types of life insurance policies, including term life insurance, whole life insurance, and universal life insurance. Term life insurance provides coverage for a specific period, usually ranging from one to thirty years. If the policyholder dies within this term, the beneficiaries receive the death benefit. However, if the policyholder outlives the term, the coverage expires, and no benefits are paid out.Whole life insurance, on the other hand, offers coverage for the policyholder's entire lifetime, as long as the premiums are paid. This type of life insurance policy also accumulates cash value over time, which the policyholder can borrow against or withdraw. Universal life insurance is a more flexible option that allows policyholders to adjust their premiums and death benefits as their financial needs change.One of the primary reasons people purchase a life insurance policy is to provide financial security for their dependents. For example, parents with young children often seek a policy to ensure that their children's education and upbringing will not be compromised if they were to die unexpectedly. Additionally, individuals with significant debts, such as mortgages or personal loans, may want a life insurance policy to prevent their loved ones from being burdened with these financial obligations after their passing.It is also important to note that the cost of a life insurance policy can vary based on several factors, including the policyholder's age, health, lifestyle, and the amount of coverage desired. Generally, younger and healthier individuals will pay lower premiums than older individuals or those with pre-existing health conditions. Therefore, it is advisable to obtain a life insurance policy early in life while premiums are more affordable.In conclusion, a life insurance policy is a vital financial tool that can provide peace of mind and security for both the policyholder and their beneficiaries. By understanding the different types of policies available and assessing individual needs, one can make informed decisions about the right coverage. Ultimately, investing in a life insurance policy is a responsible step towards ensuring that loved ones are protected financially in the face of life's uncertainties.

一份人寿保险政策是个人与保险公司之间的合同，在投保人去世时为受益人提供经济保护。这种类型的保险对于希望确保其所爱之人在其去世后经济上得到保障的个人至关重要。人寿保险政策的概念可能看起来复杂，但它从根本上是关于风险管理和提供安心。当一个人购买人寿保险政策时，他们同意支付保费，通常按月或按年支付。作为回报，保险公司承诺在投保人去世时向受益人支付一个特定金额，被称为死亡赔偿金。这笔经济支持可以帮助支付各种费用，例如丧葬费用、未偿还债务和日常生活开支，使受益人在困难时期能够维持生活水平。有几种类型的人寿保险政策，包括定期人寿保险、终身人寿保险和万能人寿保险。定期人寿保险提供特定期间的保障，通常范围从一年到三十年。如果投保人在此期间去世，受益人将获得死亡赔偿金。然而，如果投保人在期限内存活，则保障到期，且不支付任何福利。另一方面，终身人寿保险则为投保人的整个生命提供保障，只要保费得到支付。这种类型的人寿保险政策还会随着时间的推移积累现金价值，投保人可以借用或提取。万能人寿保险是一种更灵活的选择，允许投保人根据其财务需求的变化调整保费和死亡赔偿金。人们购买人寿保险政策的主要原因之一是为其抚养人提供经济保障。例如，有小孩的父母通常会寻求一份保单，以确保如果他们意外去世，孩子的教育和成长不会受到影响。此外，负有重大债务（如抵押贷款或个人贷款）的人可能希望有一份人寿保险政策，以防止他们的亲人在其去世后被这些财务义务所困扰。同样重要的是要注意，人寿保险政策的费用可能因多种因素而异，包括投保人的年龄、健康状况、生活方式和所需的保障金额。通常，年轻和健康的个人支付的保费低于年长个人或有既往健康问题的人。因此，建议在生活早期获得一份人寿保险政策，以便保费更为实惠。总之，人寿保险政策是一种重要的金融工具，可以为投保人及其受益人提供安心和保障。通过了解可用的不同类型的保单并评估个人需求，人们可以做出关于适当保障的明智决定。最终，投资于一份人寿保险政策是确保亲人在生活的不确定性面前得到财务保护的负责任步骤。