unearned premium

简明释义

尚未获得的保险费未到期保险费

英英释义

例句

1.After reviewing the policy, the agent explained how unearned premium 未赚取保费 works in terms of policy cancellations.

在审查完保单后，代理人解释了在保单取消方面未赚取保费是如何运作的。

2.When a policyholder cancels their insurance, the unearned premium 未赚取保费 is typically refunded.

当投保人取消保险时，通常会退还未赚取保费。

3.Investors look closely at the unearned premium 未赚取保费 because it reflects potential future revenue for the company.

投资者密切关注未赚取保费，因为它反映了公司未来潜在的收入。

4.The accounting department needs to calculate the unearned premium 未赚取保费 for accurate financial reporting.

会计部门需要计算未赚取保费以进行准确的财务报告。

5.The insurance company reported a significant amount of unearned premium 未赚取保费 on its balance sheet at the end of the fiscal year.

保险公司在财年的结束时在其资产负债表上报告了大量的未赚取保费。

作文

In the world of insurance, terms and concepts can often be confusing for those who are not familiar with the industry. One such term is unearned premium, which plays a crucial role in understanding how insurance policies work. To grasp the concept of unearned premium, it is essential to first understand what premiums are in general. A premium is the amount of money that an insured party pays to an insurer in exchange for coverage against potential losses or damages. This payment is typically made on a regular basis, such as monthly or annually. When an insurance policy is issued, the insurer collects the premium upfront for the entire coverage period. However, the unearned premium refers specifically to the portion of that premium that has not yet been earned by the insurer. In simpler terms, it is the amount of premium that corresponds to the time remaining on the policy that has not yet passed. For example, if an individual purchases a one-year insurance policy and pays the full premium at the beginning, the insurer has not yet earned all of that premium right away. As time goes on, the insurer earns the premium gradually as the coverage is provided.The concept of unearned premium is particularly important for both insurers and policyholders. For insurers, it represents a liability on their balance sheet. Since the insurer has collected the premium but has not yet provided the corresponding coverage, they must account for this amount as a liability. This means that if a policyholder cancels their policy before the end of the coverage period, the insurer is obligated to return any unearned premium to the policyholder. This is why understanding this concept is vital for accurate financial reporting and maintaining regulatory compliance.For policyholders, knowing about unearned premium can help them make informed decisions regarding their insurance policies. If they decide to cancel their policy, they should be aware that they may receive a refund for the unearned premium. This refund is typically calculated based on the remaining coverage period and the amount of premium paid. By understanding how unearned premium works, policyholders can better assess their options and the financial implications of canceling a policy.Additionally, unearned premium can also affect the pricing of insurance products. Insurers need to consider the unearned premium when calculating the overall cost of providing coverage. They must ensure that the premiums charged are sufficient to cover the risks involved while also accounting for the unearned premium that exists on their books. This delicate balance between pricing and risk management is critical for the sustainability of any insurance company.In conclusion, the term unearned premium is a fundamental concept in the insurance industry that affects both insurers and policyholders alike. Understanding this term helps clarify how premiums function over the life of a policy and highlights the financial responsibilities of both parties. By recognizing the significance of unearned premium, individuals can navigate the complexities of insurance with greater confidence and awareness.

在保险行业，术语和概念对于那些不熟悉该行业的人来说往往会令人困惑。其中一个术语是未赚取保费，它在理解保险政策的运作方式中起着至关重要的作用。要掌握未赚取保费的概念，首先需要了解保费一般是什么。保费是被保险方支付给保险公司以换取对潜在损失或损害的保障的金额。这笔款项通常是定期支付的，例如每月或每年。当保险单被签发时，保险公司会提前收取整个保障期的保费。然而，未赚取保费指的是保险公司尚未赚取的那部分保费。通俗地说，它是对应于尚未过去的保单剩余时间的保费金额。例如，如果个人购买了一份为期一年的保险单并在开始时支付了全额保费，保险公司并不会立即赚取全部保费。随着时间的推移，保险公司逐渐赚取保费，因为提供了保障。未赚取保费的概念对于保险公司和投保人都特别重要。对于保险公司来说，它代表了他们资产负债表上的一项负债。由于保险公司已经收取了保费，但尚未提供相应的保障，因此必须将这一金额视为负债。这意味着如果投保人在保障期结束之前取消其保单，保险公司有义务向投保人退还任何未赚取保费。这就是为什么理解这一概念对准确的财务报告和维持合规性至关重要。对于投保人来说，了解未赚取保费可以帮助他们在考虑保险政策时做出明智的决定。如果他们决定取消保单，他们应该意识到可能会收到未赚取保费的退款。此退款通常基于剩余的保障期和已支付的保费金额进行计算。通过了解未赚取保费的运作方式，投保人可以更好地评估他们的选择及取消保单的财务影响。此外，未赚取保费还会影响保险产品的定价。保险公司在计算提供保障的总体成本时需要考虑未赚取保费。他们必须确保所收取的保费足以覆盖相关风险，同时也要考虑到账面上存在的未赚取保费。这种定价与风险管理之间的微妙平衡对于任何保险公司的可持续性都是至关重要的。总之，术语未赚取保费是保险行业的一个基本概念，影响着保险公司和投保人。理解这一术语有助于澄清保费在保单生命周期中的运作方式，并突显双方的财务责任。通过认识到未赚取保费的重要性，个人可以更自信、更清晰地应对保险的复杂性。