age premium

简明释义

船龄保险费

英英释义

例句

1.When applying for life insurance, younger applicants often pay a lower age premium 年龄溢价 compared to older applicants.

在申请人寿保险时，年轻申请者通常支付的年龄溢价 年龄溢价低于老年申请者。

2.The age premium 年龄溢价 in health insurance can significantly affect the overall cost of coverage.

健康保险中的年龄溢价 年龄溢价会显著影响保险的整体费用。

3.Investors should consider the age premium 年龄溢价 when evaluating the potential returns of different assets.

投资者在评估不同资产的潜在回报时，应考虑年龄溢价 年龄溢价。

4.In the job market, candidates with more experience may command a higher age premium 年龄溢价 due to their skills.

在就业市场上，拥有更多经验的候选人可能因其技能而要求更高的年龄溢价 年龄溢价。

5.Real estate prices often reflect an age premium 年龄溢价 based on the age and condition of the property.

房地产价格通常反映出根据房产的年龄和状况的年龄溢价 年龄溢价。

作文

In today's society, the concept of an age premium is becoming increasingly significant in various fields, particularly in employment and insurance. The term age premium refers to the additional value or advantage that individuals gain due to their age and the experience that comes with it. This phenomenon can be observed in many aspects of life, where age is often equated with wisdom, reliability, and expertise.When it comes to the job market, employers frequently seek candidates who not only possess the necessary skills but also have substantial experience. This is where the age premium becomes relevant. Older workers, for instance, may command higher salaries compared to their younger counterparts simply because they have spent more time honing their skills and understanding their industry. Employers recognize that these individuals bring a wealth of knowledge that can significantly benefit the organization.Moreover, the age premium can also manifest in leadership roles. Companies often prefer seasoned professionals for managerial positions, as they are perceived to have better decision-making capabilities and crisis management skills. The experience gained over the years equips them with insights that younger employees might lack. Therefore, the age premium not only impacts salary but also influences career advancement opportunities.In the realm of insurance, the age premium plays a critical role as well. Insurance companies often charge different premiums based on the age of the insured individual. For instance, younger individuals typically pay lower premiums for life insurance because they are statistically less likely to claim benefits compared to older individuals. Conversely, as people age, the risk associated with insuring them increases, leading to higher premiums. This differential pricing is a direct reflection of the age premium, where age is used as a factor in determining financial risk.However, while the age premium presents certain advantages, it can also lead to challenges, particularly for younger individuals entering the workforce. They may find themselves at a disadvantage when competing against more experienced candidates, which could lead to feelings of frustration and disillusionment. It is essential for companies to recognize the potential of younger employees and provide them with opportunities to develop their skills and gain experience, balancing the scales between youth and age.In conclusion, the age premium serves as a reminder of the value of experience and knowledge that comes with age. It affects various sectors, including employment and insurance, shaping how individuals are perceived and treated based on their age. While it offers certain benefits, it is crucial to ensure that younger generations are not overlooked in favor of seasoned professionals. By fostering an inclusive environment that values both experience and fresh perspectives, organizations can thrive and innovate, leveraging the strengths of all age groups. Understanding the age premium is vital for navigating today’s complex social and economic landscapes, ultimately leading to a more balanced and equitable society.

在当今社会，年龄溢价的概念在各个领域变得越来越重要，尤其是在就业和保险方面。年龄溢价这个术语指的是个人因年龄和随之而来的经验而获得的额外价值或优势。这种现象可以在生活的许多方面观察到，年龄往往被等同于智慧、可靠性和专业知识。在就业市场上，雇主通常寻求不仅具备必要技能而且拥有丰富经验的候选人。这就是年龄溢价相关的地方。例如，年长的工人可能会比年轻的同行要求更高的薪水，仅仅因为他们花费了更多的时间来磨练自己的技能和理解他们的行业。雇主意识到，这些人带来了大量的知识，可以显著有利于组织。此外，年龄溢价也可以在领导角色中表现出来。公司通常更喜欢经验丰富的专业人士担任管理职位，因为他们被认为具有更好的决策能力和危机管理技能。多年来积累的经验使他们具备了年轻员工可能缺乏的见解。因此，年龄溢价不仅影响薪资，还影响职业晋升机会。在保险领域，年龄溢价同样发挥着关键作用。保险公司通常根据被保险人的年龄收取不同的保费。例如，年轻人通常为人寿保险支付较低的保费，因为他们在统计上比年长者更不可能索赔。相反，随着人们的年龄增长，承保他们的风险增加，导致保费上涨。这种差异定价直接反映了年龄溢价，其中年龄被用作确定财务风险的因素。然而，尽管年龄溢价带来了某些优势，但它也可能给年轻人进入职场带来挑战。他们可能会发现自己在与经验丰富的候选人竞争时处于劣势，这可能导致挫败感和失望感。公司必须认识到年轻员工的潜力，并为他们提供发展技能和积累经验的机会，以平衡年轻和年龄之间的差距。总之，年龄溢价提醒我们年龄所带来的经验和知识的价值。它影响着包括就业和保险在内的各个行业，塑造了人们基于年龄的看法和对待方式。虽然它提供了某些好处，但确保年轻一代不会被经验丰富的专业人士所忽视是至关重要的。通过营造一个重视经验和新视角的包容性环境，组织可以蓬勃发展和创新，利用所有年龄段的优势。理解年龄溢价对于驾驭当今复杂的社会和经济格局至关重要，最终将导致一个更加平衡和公平的社会。