accident and death benefit insurance

简明释义

意外及伤亡保险

英英释义

例句

1.Before traveling, I always make sure to purchase accident and death benefit insurance for peace of mind.

在旅行之前，我总是确保购买意外和死亡保险以获得安心。

2.After a serious accident, her family was grateful for the accident and death benefit insurance that eased their financial burden.

在一次严重的事故后，她的家人对意外和死亡保险表示感激，因为它减轻了他们的经济负担。

3.The accident and death benefit insurance provided by the company covers both on-the-job and off-the-job incidents.

公司提供的意外和死亡保险涵盖工作内和工作外的事故。

4.It's important to read the fine print of your accident and death benefit insurance policy to understand the exclusions.

阅读意外和死亡保险政策的细则很重要，以了解排除条款。

5.Many employers offer accident and death benefit insurance as part of their employee benefits package.

许多雇主将意外和死亡保险作为员工福利的一部分。

作文

In today's unpredictable world, having the right insurance coverage is essential for financial security. One type of insurance that has gained significant importance is accident and death benefit insurance. This insurance provides a safety net for individuals and their families in the unfortunate event of an accident or unexpected death. Understanding this type of insurance can help people make informed decisions about their financial planning and protection.accident and death benefit insurance is designed to offer financial support to beneficiaries in case the insured individual suffers from a fatal accident or dies unexpectedly. Unlike traditional life insurance, which often requires a medical examination and may have exclusions based on health conditions, accident and death benefit insurance focuses primarily on accidents. This makes it more accessible to a broader range of people, including those who may be considered high-risk due to their occupation or lifestyle choices.The primary advantage of accident and death benefit insurance is that it provides immediate financial relief to the insured's family. In the event of a tragic accident, the policy pays out a predetermined sum to the beneficiaries, allowing them to cover funeral expenses, outstanding debts, and other financial obligations. This can be especially crucial for families who rely on the deceased's income for their daily living expenses.Moreover, accident and death benefit insurance can also serve as a supplement to existing life insurance policies. Many individuals may already have life insurance but may not realize that accidents can lead to financial instability. By adding accident and death benefit insurance to their portfolio, they can ensure that their loved ones are adequately protected in case of an unforeseen incident.Another aspect to consider is the affordability of accident and death benefit insurance. Typically, premiums for this type of insurance are lower than those for standard life insurance policies. This is because the coverage is limited to accidents and does not encompass natural causes of death or health-related issues. As a result, individuals seeking budget-friendly options may find accident and death benefit insurance to be an attractive choice.However, it is essential to read the policy terms carefully before purchasing accident and death benefit insurance. Some policies may have specific exclusions or limitations regarding what constitutes an accident. For instance, certain high-risk activities, such as extreme sports or reckless driving, may not be covered. Therefore, understanding the fine print is crucial to ensure that the coverage meets the individual's needs.In conclusion, accident and death benefit insurance plays a vital role in providing financial security for individuals and their families in the face of unexpected tragedies. By offering immediate financial assistance, this type of insurance can alleviate the burden on loved ones during difficult times. As with any financial product, it is crucial to assess personal circumstances and choose the right coverage to ensure adequate protection. With the right information and careful consideration, individuals can make informed decisions that will safeguard their financial future and provide peace of mind for themselves and their families.

在当今不可预测的世界中，拥有适当的保险覆盖是财务安全的重要保障。其中一种越来越重要的保险类型是意外和死亡福利保险。这种保险在不幸发生事故或意外死亡时，为个人及其家庭提供了一张安全网。理解这种类型的保险可以帮助人们在财务规划和保护方面做出明智的决定。意外和死亡福利保险旨在为受保人在遭遇致命事故或意外死亡时，向受益人提供经济支持。与传统的寿险不同，后者通常需要进行医学检查，并可能根据健康状况有排除条款，意外和死亡福利保险主要集中在意外事件上。这使得它对更广泛的人群更具可及性，包括那些由于职业或生活方式选择而被视为高风险的人群。意外和死亡福利保险的主要优势在于，它为受保人的家属提供即时的经济救助。在发生悲惨事故时，保单会向受益人支付预定金额，使他们能够支付丧葬费用、未偿债务和其他财务义务。这对于依赖已故者收入维持日常生活的家庭尤其重要。此外，意外和死亡福利保险还可以作为现有寿险政策的补充。许多人可能已经拥有寿险，但可能没有意识到意外事故会导致财务不稳定。通过将意外和死亡福利保险添加到他们的投资组合中，他们可以确保在发生意外事件时，亲人得到充分保护。另一个需要考虑的方面是意外和死亡福利保险的可负担性。通常，这种类型的保险的保费低于标准寿险保单。这是因为其覆盖范围仅限于意外，而不包括自然死亡或健康问题。因此，寻求预算友好选项的个人可能会发现意外和死亡福利保险是一个有吸引力的选择。然而，在购买意外和死亡福利保险之前，仔细阅读保单条款至关重要。一些保单可能对什么构成意外有特定的排除或限制。例如，某些高风险活动，如极限运动或鲁莽驾驶，可能不被覆盖。因此，理解细则对于确保保险符合个人需求至关重要。总之，意外和死亡福利保险在面对突发悲剧时，为个人及其家庭提供财务安全发挥着至关重要的作用。通过提供即时的经济援助，这种类型的保险可以减轻亲人在困难时期的负担。与任何金融产品一样，评估个人情况并选择合适的保障以确保充分保护至关重要。凭借正确的信息和谨慎的考虑，个人可以做出明智的决定，保障他们的财务未来，并为自己和家庭提供安心。