cash value

简明释义

现金价值

英英释义

例句

1.You can borrow against the cash value of your policy if you need funds.

如果你需要资金，可以借用保单的现金价值。

2.The insurance policy has a significant cash value that can be accessed in emergencies.

这份保险单有可观的现金价值，可以在紧急情况下使用。

3.I decided to surrender my life insurance for its cash value instead of keeping it.

我决定放弃我的人寿保险，以获取其现金价值，而不是继续保留它。

4.The cash value of your annuity can provide a source of income during retirement.

年金的现金价值可以为退休期间提供收入来源。

5.Many people don’t realize that whole life insurance policies accumulate cash value over time.

许多人没有意识到，终身寿险保单会随着时间的推移累积现金价值。

作文

When discussing financial products, the term cash value often comes up, especially in the context of life insurance policies. The cash value refers to the amount of money that a policyholder can access or borrow against while the policy is still in force. This feature is particularly common in whole life and universal life insurance policies, which are designed not only to provide a death benefit but also to accumulate savings over time. Understanding the concept of cash value is essential for anyone considering such financial products, as it can significantly impact both immediate financial needs and long-term financial planning.One of the main advantages of having a cash value in a life insurance policy is the ability to build equity. As premiums are paid, a portion goes towards the cash value, which grows at a guaranteed rate or based on a specific investment strategy, depending on the type of policy. This growth can be beneficial for policyholders, as it provides a safety net and can be used for various purposes, such as funding education, making a large purchase, or even supplementing retirement income.However, it is important to note that accessing the cash value may come with certain conditions. For instance, if a policyholder decides to withdraw funds from the cash value, it could reduce the death benefit available to beneficiaries. Additionally, loans taken against the cash value must be repaid with interest; otherwise, the outstanding loan amount will be deducted from the death benefit. Therefore, while the cash value can provide liquidity, it is crucial to manage it wisely to avoid potential pitfalls.Another consideration regarding cash value is the tax implications. In many cases, the growth of the cash value is tax-deferred, meaning that policyholders do not have to pay taxes on the gains as long as the money remains within the policy. However, if the policy is surrendered or if loans are taken and not repaid, there may be tax consequences. It is advisable for individuals to consult with a financial advisor or tax professional to fully understand how the cash value may affect their overall tax situation.In conclusion, the concept of cash value plays a significant role in the financial landscape, particularly for those investing in life insurance. It offers a unique blend of protection and savings, allowing policyholders to access funds when necessary while also providing a death benefit for loved ones. However, it is essential to approach the cash value aspect with caution, ensuring that one is aware of the implications of accessing these funds. By doing so, individuals can make informed decisions that align with their financial goals and security needs.

在讨论金融产品时，术语现金价值经常出现，尤其是在生命保险政策的背景下。现金价值指的是投保人在保单仍然有效的情况下可以访问或借用的金额。这一特性在终身寿险和万能寿险中尤为常见，这些保险不仅提供死亡赔偿金，还随着时间的推移积累储蓄。理解现金价值的概念对于任何考虑此类金融产品的人来说都是至关重要的，因为它会显著影响到短期财务需求和长期财务规划。拥有现金价值的主要优点之一是能够建立资产。当支付保费时，一部分会用于现金价值，它以保证利率或基于特定投资策略的方式增长，具体取决于保单的类型。这种增长对投保人来说是有益的，因为它提供了一种安全网，并且可以用于各种目的，例如资助教育、进行大型购买或甚至补充退休收入。然而，需要注意的是，访问现金价值可能会附带某些条件。例如，如果投保人决定从现金价值中提取资金，可能会减少可供受益人使用的死亡赔偿金。此外，针对现金价值的贷款必须连本带息偿还；否则，未偿还的贷款金额将从死亡赔偿金中扣除。因此，虽然现金价值可以提供流动性，但明智地管理它至关重要，以避免潜在的陷阱。关于现金价值的另一个考虑因素是税收影响。在许多情况下，现金价值的增长是递延纳税的，这意味着投保人只要资金留在保单内，就不需要对收益缴税。然而，如果保单被解除或如果贷款被提取而未偿还，可能会产生税务后果。建议个人咨询财务顾问或税务专业人士，以充分了解现金价值可能如何影响他们的整体税务状况。总之，现金价值的概念在金融领域中发挥着重要作用，特别是对于那些投资于人寿保险的人。它提供了保护和储蓄的独特结合，使投保人在必要时能够访问资金，同时也为亲人提供了死亡赔偿金。然而，必须谨慎对待现金价值方面，确保人们意识到访问这些资金的影响。通过这样做，个人可以做出符合其财务目标和安全需求的明智决策。