insurance premium unexpired; unearned premium

简明释义

未满期保险费

英英释义

例句

1.When calculating the financial statements, it's essential to account for unearned premium as it reflects the liabilities the insurer has yet to fulfill.

在计算财务报表时，必须考虑未赚取的保费，因为它反映了保险公司尚未履行的负债。

2.Insurance companies often set aside funds for unearned premium to ensure they can cover future claims.

保险公司通常会为未赚取的保费预留资金，以确保能够支付未来的索赔。

3.The company reported a significant amount of insurance premium unexpired in their balance sheet, indicating that they have collected premiums for coverage not yet provided.

公司在资产负债表中报告了大量的未到期保险费，这表明他们已经收取了尚未提供保障的保费。

4.The auditor flagged the insurance premium unexpired as a potential area of concern due to discrepancies in reporting.

审计师将未到期保险费标记为一个潜在的关注点，因为报告中存在差异。

5.At the end of the financial year, the accountant reviewed the insurance premium unexpired to ensure accurate reporting.

在财年的结束时，会计师审核了未到期保险费以确保报告的准确性。

作文

In the world of finance and insurance, understanding various terminologies is crucial for both professionals and clients. One such term that often comes up in discussions about insurance policies is insurance premium unexpired; unearned premium. These terms refer to the portion of the insurance premium that has been paid but not yet earned by the insurance company. To grasp the concept better, it is essential to break down what these terms mean and their implications in the insurance industry.An insurance premium unexpired; unearned premium represents the amount of money that a policyholder has paid for insurance coverage that is still in effect. For instance, if an individual purchases a one-year insurance policy and pays the full premium upfront, only a fraction of that payment is considered 'earned' by the insurer at any given time. The remainder is unearned because the coverage extends over the duration of the policy. This means that as time passes, the insurance company gradually earns the premium as it provides coverage to the policyholder.This concept is particularly important when it comes to financial reporting and accounting within insurance companies. Insurers must maintain accurate records of their unearned premiums to ensure they do not overstate their income or profits. By recognizing insurance premium unexpired; unearned premium, insurers can accurately reflect their liabilities on their balance sheets. This liability represents the obligation of the insurer to provide coverage for the remaining duration of the policy, which is crucial for maintaining financial stability and transparency.Moreover, understanding insurance premium unexpired; unearned premium is vital for policyholders as well. It helps them comprehend how their payments are allocated and the value they receive from their insurance coverage. For example, if a policyholder decides to cancel their insurance policy before its expiration date, they may be entitled to a refund of the unearned premium. This refund would be calculated based on the remaining period of coverage that has not yet been utilized. Knowing this can empower consumers to make informed decisions regarding their insurance needs and financial planning.Additionally, the concept of insurance premium unexpired; unearned premium plays a significant role in the regulatory framework governing insurance companies. Regulatory bodies often require insurers to maintain certain reserves based on their unearned premiums to ensure they can meet future claims. This requirement helps protect policyholders and maintain trust in the insurance system as a whole. If insurers did not account for their unearned premiums properly, they could face financial difficulties that could jeopardize their ability to pay claims, ultimately harming consumers.In conclusion, the terms insurance premium unexpired; unearned premium are integral to understanding how insurance companies operate and how they manage their finances. For both insurers and policyholders, these concepts play a critical role in ensuring transparency, financial stability, and informed decision-making. As the insurance landscape continues to evolve, a solid grasp of these terms will remain essential for anyone involved in the industry, whether they are providing coverage or seeking it.

在金融和保险的世界中，理解各种术语对专业人士和客户都至关重要。其中一个在讨论保险政策时经常出现的术语是保险费未到期；未赚取的保费。这些术语指的是已支付但尚未被保险公司赚取的保险费部分。为了更好地掌握这一概念，有必要分解这些术语的含义及其在保险行业中的影响。保险费未到期；未赚取的保费代表了投保人已支付的保险费用，但这些费用仍然有效。例如，如果个人购买了一份为期一年的保险政策并提前支付了全部保费，那么在任何给定时刻，只有一部分费用被视为保险公司“已赚取”。剩余部分则是未赚取的，因为保障覆盖期延续至政策的整个期限。这意味着，随着时间的推移，保险公司会逐渐根据为投保人提供的保障来赚取保费。这个概念在保险公司的财务报告和会计中尤为重要。保险公司必须准确记录其未赚取的保费，以确保不会夸大收入或利润。通过确认保险费未到期；未赚取的保费，保险公司可以在资产负债表上准确反映其负债。这一负债代表着保险公司在政策剩余有效期内对投保人的保障义务，这对于维持财务稳定性和透明度至关重要。此外，理解保险费未到期；未赚取的保费对投保人也至关重要。这有助于他们理解自己的支付如何分配以及从保险保障中获得的价值。例如，如果投保人在保险政策到期前决定取消保险，他们可能有权获得未赚取保费的退款。此退款将根据尚未使用的剩余保障期限进行计算。了解这一点可以使消费者在保险需求和财务规划方面做出明智的决策。另外，保险费未到期；未赚取的保费的概念在监管框架中也发挥着重要作用。监管机构通常要求保险公司根据其未赚取的保费保持一定的准备金，以确保它们能够满足未来的索赔。这一要求有助于保护投保人，并保持公众对整个保险系统的信任。如果保险公司未能妥善核算其未赚取的保费，可能会面临财务困难，从而危及其支付索赔的能力，最终损害消费者利益。总之，术语保险费未到期；未赚取的保费对于理解保险公司的运作方式及其财务管理至关重要。对于保险公司和投保人而言，这些概念在确保透明度、财务稳定性和知情决策方面发挥着关键作用。随着保险领域的不断发展，对这些术语的深入理解将继续成为所有参与该行业的人士的基本要求，无论是提供保障还是寻求保障。