surrender value

简明释义

解约退还的保险费

英英释义

例句

1.If you decide to cancel your life insurance policy, you will receive the surrender value 退保价值 after deducting any fees.

如果您决定取消您的人寿保险政策，您将在扣除任何费用后收到 surrender value 退保价值。

2.Investors should consider the surrender value 退保价值 when evaluating the overall benefits of their insurance policies.

投资者在评估其保险政策的整体利益时，应考虑 surrender value 退保价值。

3.The surrender value 退保价值 may increase over time as you pay your premiums.

随着您支付保费， surrender value 退保价值 可能会随时间增加。

4.The surrender value 退保价值 of your whole life insurance can be a useful source of funds in emergencies.

您的终身人寿保险的 surrender value 退保价值 可以在紧急情况下成为一个有用的资金来源。

5.Before you surrender your policy, make sure to check the surrender value 退保价值 offered by your insurer.

在您退保之前，请确保检查您的保险公司提供的 surrender value 退保价值。

作文

Understanding the concept of surrender value is essential for anyone considering life insurance policies or investment plans. The surrender value refers to the amount of money that an insurance policyholder receives if they decide to terminate their policy before its maturity date. This value is particularly relevant in the context of whole life insurance policies, where a portion of the premiums paid accumulates as cash value over time. When individuals purchase a life insurance policy, they often do so with the intention of providing financial security for their beneficiaries after their passing. However, circumstances can change, and some policyholders may find themselves needing to access funds from their policy while still alive. This is where the surrender value comes into play. It acts as a safety net, allowing policyholders to recoup some of their investment if they choose to surrender their policy. The calculation of surrender value can be complex. It typically includes the total cash value of the policy minus any fees or penalties associated with surrendering it. These fees can vary significantly between different insurance companies and policies, which is why it is crucial for policyholders to read the fine print and understand the terms of their agreement. For example, if a policyholder has been paying premiums for several years, their policy may have built up a substantial cash value. If they decide to surrender the policy, they might receive a surrender value that reflects this accumulated cash value, minus any applicable charges. This can provide much-needed liquidity in times of financial hardship, making the surrender value a valuable aspect of the policy. However, it is important to note that surrendering a life insurance policy may not always be the best financial decision. Policyholders should carefully consider their options and consult with a financial advisor before making such a decision. In some cases, it may be more beneficial to take out a loan against the policy instead of surrendering it, as this allows them to retain the death benefit while accessing funds. Additionally, understanding the surrender value is vital for those who are investing in universal life insurance policies, which offer flexible premium payments and potential growth in cash value. The surrender value in these cases can fluctuate based on market performance and the specific terms of the policy. In conclusion, the surrender value is a critical component of life insurance policies that offers policyholders a way to access their investment. By understanding how it works, individuals can make informed decisions about their insurance needs and financial planning. Whether it's to support a sudden financial need or to reassess long-term goals, being aware of the surrender value can empower policyholders to take control of their financial futures. Ultimately, the decision to surrender a policy should be made with careful consideration of one's financial situation and future needs. The surrender value serves as a reminder that life insurance is not just a safety net for loved ones but can also provide financial flexibility during one's lifetime.

理解surrender value的概念对于考虑人寿保险政策或投资计划的任何人来说都是至关重要的。surrender value是指如果投保人在到期日前决定终止其保单，他们将收到的金额。这一数值在整体人寿保险政策的背景下尤为相关，在这种情况下，支付的部分保费会随着时间的推移而累积为现金价值。当个人购买人寿保险政策时，他们通常是为了在去世后为受益人提供财务保障。然而，情况可能会发生变化，一些投保人可能发现自己在活着的时候需要从保单中获取资金。这就是surrender value发挥作用的地方。它充当了一种安全网，允许投保人在选择放弃保单时收回部分投资。surrender value的计算可能很复杂。它通常包括保单的总现金价值减去与放弃保单相关的任何费用或罚款。这些费用在不同的保险公司和保单之间可能有显著差异，这就是为什么投保人必须仔细阅读条款并理解他们协议的条件。例如，如果投保人已经支付保费多年，他们的保单可能已经积累了相当可观的现金价值。如果他们决定放弃保单，他们可能会收到反映这一累积现金价值的surrender value，减去任何适用的费用。在财务困难时期，这可以提供急需的流动性，使surrender value成为保单的一个重要方面。然而，重要的是要注意，放弃人寿保险保单并不总是最佳的财务决策。投保人应仔细考虑他们的选择，并在做出此类决定之前咨询财务顾问。在某些情况下，借用保单的贷款可能比放弃保单更有利，因为这使他们能够在获取资金的同时保留死亡利益。此外，了解surrender value对于投资于万能寿险政策的人来说至关重要，这些政策提供灵活的保费支付和潜在的现金价值增长。在这些情况下，surrender value可能会根据市场表现和保单的具体条款而波动。总之，surrender value是人寿保险保单的一个关键组成部分，为投保人提供了访问其投资的方式。通过理解其运作方式，个人可以就其保险需求和财务规划做出明智的决定。无论是支持突发的财务需求，还是重新评估长期目标，了解surrender value都可以使投保人掌握自己的财务未来。最终，放弃保单的决定应在仔细考虑个人的财务状况和未来需求的基础上做出。surrender value提醒我们，人寿保险不仅是对所爱之人的安全网，还可以在一个人的一生中提供财务灵活性。