premiums

简明释义

英[ˈpriː.mi.əmz]美[ˈpriː.mi.əmz]

n. 赠品，保险费；额外费用（premium 复数）

英英释义

单词用法

同义词

反义词

例句

1.Insurance companies, meanwhile, can base their premiums on AI models that more accurately assess risk.

与此同时，人工智能模型能更准确地评估风险，保险公司可以据此来支付保费。

2.Insurance premiums have surged 9% in America since 2010.

自从2010年，美国的保险费金额激增了9%。

3.Premiums are guaranteed throughout the term of the policy.

在保单的有效期内保证支付保险费。

4.Insurance premiums are like money put aside for a rainy day.

缴保费像是为未来急用而预留的一笔钱。

5.A second study concluded that post-acquisition gains to most acquiring firms were not adequate to cover the premiums paid to obtain acquired firms.

第二项研究得出结论，大多数收购公司的收购后收益不足以支付收购公司的溢价。

6.You pay regular premiums and in return the insurance company will pay out a lump sum.

你定期交纳保险费，作为回报，保险公司会一次性付给你一笔钱。

7.The premiums 保费 for health insurance can vary significantly based on age and health status.

健康保险的保费可能会因年龄和健康状况而有显著差异。

8.Employers often cover a portion of their employees' health insurance premiums 保费.

雇主通常会承担员工健康保险的部分保费。

9.In the event of a claim, you may need to pay a deductible before your insurer covers the premiums 保费.

在索赔时，你可能需要支付自付额，然后保险公司才会覆盖保费。

10.Many insurance companies offer lower rates for customers who pay their annual premiums 保费 upfront.

许多保险公司为提前支付年保费的客户提供较低的费率。

11.Some credit cards offer cashback rewards that can be used to offset your insurance premiums 保费.

一些信用卡提供现金返还奖励，可以用来抵消你的保险保费。

作文

In today's world, the concept of insurance plays a crucial role in safeguarding our financial future. One of the key components of any insurance policy is the payment known as premiums, which are the amounts paid periodically to maintain coverage. Understanding the nature and implications of premiums can significantly influence our financial decisions and risk management strategies.To begin with, premiums are essentially the cost of transferring risk from an individual to an insurance company. When we purchase insurance, we agree to pay these premiums in exchange for the insurer's promise to cover certain losses or damages that may occur. This transaction is fundamental to the functioning of the insurance industry, as it allows individuals to protect themselves against unforeseen events such as accidents, illnesses, or natural disasters.There are various factors that determine the amount of premiums one pays for insurance. These factors can include the type of insurance, the level of coverage desired, the individual's risk profile, and even external market conditions. For instance, younger individuals might pay lower premiums for health insurance compared to older individuals who may have pre-existing medical conditions. Similarly, a person living in a low-risk area might enjoy lower home insurance premiums than someone in a flood-prone region.Moreover, understanding how premiums work can lead to better financial planning. Individuals should assess their needs and evaluate different insurance policies to find the best fit for their circumstances. Some may opt for higher premiums in exchange for lower deductibles, while others may choose to pay lower premiums but face higher out-of-pocket costs when a claim arises. This decision-making process requires careful consideration of one's financial situation and risk tolerance.Additionally, it's important to note that not all premiums are created equal. There are various types of premiums based on the nature of the insurance policy. For example, term life insurance typically has lower premiums compared to whole life insurance, which provides coverage for the insured's entire life and includes a cash value component. Understanding these differences can help consumers make informed choices about their insurance needs.Furthermore, many insurance companies offer discounts that can help reduce premiums. For instance, bundling multiple policies, such as home and auto insurance, often leads to lower overall premiums. Additionally, maintaining a good credit score and a clean driving record can also result in reduced premiums. By being proactive and researching available discounts, individuals can save money while still securing necessary coverage.In conclusion, premiums are a vital aspect of the insurance landscape, representing the cost of protection against potential risks. By understanding what premiums are, how they are calculated, and the various factors influencing them, individuals can make more informed decisions regarding their insurance needs. Ultimately, being knowledgeable about premiums empowers consumers to effectively manage their financial future and ensure that they are adequately protected against life's uncertainties.

在当今世界，保险的概念在保护我们的财务未来方面发挥着至关重要的作用。任何保险政策的关键组成部分之一是称为保费的付款，即定期支付的金额以维持保障。理解保费的性质和影响可以显著影响我们的财务决策和风险管理策略。首先，保费本质上是将风险从个人转移到保险公司所需的费用。当我们购买保险时，我们同意支付这些保费以换取保险公司承诺覆盖可能发生的某些损失或损害。这一交易对于保险行业的运作至关重要，因为它使个人能够保护自己免受突发事件的影响，例如事故、疾病或自然灾害。决定支付的保费金额的因素有很多。这些因素可能包括保险类型、所需的覆盖水平、个人的风险状况，甚至外部市场条件。例如，年轻人可能会为健康保险支付较低的保费，而与之相比，老年人可能因为有既往病史而支付更高的保费。同样，住在低风险地区的人可能享有较低的房屋保险保费，而生活在洪水易发地区的人则可能支付更高的保费。此外，理解保费的运作方式可以带来更好的财务规划。个人应该评估自己的需求并比较不同的保险政策，以找到最适合自己情况的方案。有些人可能选择支付较高的保费以换取较低的自付额，而其他人则可能选择支付较低的保费，但在索赔时面临更高的个人支出。这一决策过程需要对个人的财务状况和风险承受能力进行仔细考虑。此外，值得注意的是，并非所有的保费都是相同的。根据保险政策的性质，有各种类型的保费。例如，定期寿险的保费通常低于终身寿险，后者为被保险人的整个生命提供保障，并包含现金价值成分。理解这些差异可以帮助消费者明智地选择他们的保险需求。此外，许多保险公司提供折扣，可以帮助降低保费。例如，将多项保单捆绑在一起，例如家庭和汽车保险，通常会导致整体保费降低。此外，保持良好的信用评分和清洁的驾驶记录也可以导致保费降低。通过积极主动并研究可用的折扣，个人可以在确保必要保障的同时节省资金。总之，保费是保险领域的重要方面，代表了保护潜在风险的费用。通过了解保费是什么、如何计算以及影响它们的各种因素，个人可以就其保险需求做出更明智的决策。最终，了解保费使消费者能够有效管理他们的财务未来，并确保他们充分保护自己免受生活的不确定性。