amount in force

简明释义

有限保险金额

英英释义

例句

1.It's important to review the amount in force annually to ensure it meets your current needs.

每年审查有效保额是很重要的，以确保它满足您当前的需求。

2.The insurance policy has an amount in force of $500,000, which means that is the coverage currently active.

这份保险的有效保额为50万美元，这意味着这是当前生效的保障额度。

3.Before applying for a new loan, the bank will check the amount in force on your existing life insurance policies.

在申请新贷款之前，银行会检查您现有的人寿保险的有效保额。

4.The amount in force represents the total value of all active policies at any given time.

在任何时候，有效保额代表所有活跃保单的总价值。

5.The amount in force can change if you make any withdrawals from your cash value account.

如果您从现金价值账户中提取资金，有效保额可能会发生变化。

作文

In the world of finance and insurance, the term amount in force refers to the total value of insurance policies that are currently active and providing coverage. This concept is crucial for both insurers and policyholders, as it directly relates to the financial security and risk management associated with various insurance products. Understanding the amount in force can help individuals make informed decisions regarding their insurance needs and financial planning.When a person purchases an insurance policy, they enter into a contract with the insurer that outlines the terms of coverage, including the amount of money that will be paid out in the event of a claim. The amount in force represents the cumulative value of all active policies held by an individual or an organization at any given time. For example, if someone has a life insurance policy with a coverage amount of $500,000 and a health insurance policy with a coverage limit of $200,000, the total amount in force would be $700,000.This figure is essential for several reasons. Firstly, it provides a clear picture of the level of protection that an individual or business has against potential risks. Knowing the amount in force allows policyholders to assess whether they have adequate coverage for their needs. For instance, a young family may realize that their current life insurance policy does not provide enough financial support for their dependents in case of an unforeseen event. By understanding the amount in force, they can adjust their policies accordingly.Secondly, from the insurer's perspective, the amount in force helps in managing risk and ensuring that the company remains financially stable. Insurers must maintain a balance between the premiums collected and the potential payouts they may have to make. If the amount in force becomes too high relative to the premiums, the insurer may face significant financial strain. Therefore, monitoring this figure is vital for maintaining the solvency and profitability of the insurance company.Moreover, the amount in force can also influence the pricing of insurance products. Insurers often use statistical models to predict risks and set premium rates based on the overall amount in force. A higher amount in force might indicate greater risk exposure, leading to increased premiums for policyholders. Conversely, if the amount in force decreases due to policy cancellations or lapses, insurers might adjust their pricing strategies to attract new customers or retain existing ones.In conclusion, the term amount in force plays a pivotal role in the insurance industry, impacting both policyholders and insurers alike. It serves as a measure of the financial protection available to individuals and businesses while also helping insurers manage their risk exposure and maintain profitability. Understanding the amount in force is essential for anyone involved in insurance, as it enables informed decision-making and effective financial planning. As we navigate our financial futures, being aware of our insurance coverage and the corresponding amount in force can empower us to make choices that enhance our security and peace of mind.

在金融和保险的世界中，术语amount in force指的是当前有效并提供保障的保险单的总价值。这个概念对于保险公司和投保人都是至关重要的，因为它直接关系到与各种保险产品相关的财务安全和风险管理。理解amount in force可以帮助个人在保险需求和财务规划方面做出明智的决定。当一个人购买保险单时，他们与保险公司签订了一份合同，概述了保障条款，包括在索赔事件发生时将支付的金额。amount in force代表在任何给定时间内，个人或组织所持有的所有有效保单的累积价值。例如，如果某人有一份价值50万美元的寿险保单和一份保障限额为20万美元的健康保险，那么总的amount in force将为70万美元。这个数字对于多个原因至关重要。首先，它提供了个人或企业面临潜在风险的保护水平的清晰图景。了解amount in force使投保人能够评估他们是否有足够的保障来满足自己的需求。例如，一个年轻家庭可能会意识到他们当前的寿险保单在意外事件发生时无法为其受抚养人提供足够的经济支持。通过理解amount in force，他们可以相应地调整他们的保单。其次，从保险公司的角度来看，amount in force有助于管理风险并确保公司保持财务稳定。保险公司必须在收取的保费和它们可能需要支付的赔偿之间保持平衡。如果amount in force相对于保费变得过高，保险公司可能会面临重大的财务压力。因此，监控这一数字对于维持保险公司的偿付能力和盈利能力至关重要。此外，amount in force还可能影响保险产品的定价。保险公司通常使用统计模型来预测风险，并根据整体的amount in force设定保费率。较高的amount in force可能表示更大的风险暴露，从而导致投保人的保费增加。相反，如果由于保单取消或失效导致amount in force减少，保险公司可能会调整其定价策略，以吸引新客户或留住现有客户。总之，术语amount in force在保险行业中发挥着关键作用，影响着投保人和保险公司。它作为个人和企业可获得的财务保护的衡量标准，同时也帮助保险公司管理其风险暴露并保持盈利能力。理解amount in force对于任何涉及保险的人来说都是至关重要的，因为它使得明智的决策和有效的财务规划成为可能。在我们规划财务未来时，了解我们的保险覆盖范围及相应的amount in force可以使我们更有能力做出增强我们安全感和内心平静的选择。