surrender value

简明释义

保险单的退保值

英英释义

例句

1.Before taking a loan against your policy, check the surrender value to understand how much you can borrow.

在对你的保单申请贷款之前，检查一下退保价值以了解你可以借多少。

2.When you decide to cancel your life insurance policy, the amount you receive is known as the surrender value.

当你决定取消你的寿险保单时，你收到的金额被称为退保价值。

3.It's important to understand the fees associated with accessing your surrender value.

了解获取你的退保价值相关费用是很重要的。

4.If you need cash urgently, you might consider the surrender value of your investment-linked insurance.

如果你急需现金，你可能会考虑你的投资连结保险的退保价值。

5.The surrender value of your whole life insurance increases over time as you pay premiums.

你的人寿保险的退保价值随着你支付保费的时间而增加。

作文

The concept of surrender value is crucial for anyone who holds a life insurance policy or an investment-linked insurance plan. In simple terms, the surrender value is the amount of money that an insurance policyholder will receive if they decide to terminate their policy before it matures. This value is not the same as the face value of the policy, which is the amount paid out upon the death of the insured or at maturity. Instead, the surrender value represents the cash value that the insurer provides to the policyholder after deducting any fees or penalties associated with early termination.Understanding the surrender value is essential for financial planning. Many individuals purchase life insurance policies with the intention of securing their family's financial future. However, circumstances may change, leading them to reconsider their options. For instance, a policyholder may find themselves in a financial bind and need immediate funds. In such cases, knowing the surrender value can help them make informed decisions about whether to cash out their policy or keep it active.Additionally, the surrender value often increases over time as the policyholder continues to pay premiums. This growth can be attributed to the accumulation of cash value within the policy, which is influenced by factors such as the length of time the policy has been active and the type of policy purchased. Whole life insurance policies typically offer a higher surrender value compared to term life policies, which usually do not have a cash value component at all.It is also important to note that the surrender value can vary significantly depending on the insurer's policies, the type of insurance product, and the specific terms outlined in the policy agreement. Some insurers might charge high surrender fees during the initial years of the policy, which can substantially lower the amount received if the policyholder decides to cash out early. Therefore, prospective buyers should carefully read the policy documents and understand the implications of the surrender value before making a purchase.In conclusion, the surrender value serves as an important financial safety net for policyholders. It offers a way to access cash in times of need while also highlighting the importance of understanding one's insurance policy thoroughly. As life circumstances change, having knowledge about the surrender value can empower individuals to make better financial decisions, ensuring that they are not left in a vulnerable position when unexpected situations arise. Ultimately, being informed about the surrender value can lead to more strategic financial planning and peace of mind for policyholders and their families.

“退保价值”这一概念对于任何持有寿险或投资连结保险计划的人来说都是至关重要的。简单来说，退保价值是指保险投保人在保单到期之前决定终止其保单时所能获得的金额。这个价值与保单的面值并不相同，后者是指在被保险人去世或到期时支付的金额。相反，退保价值代表了保险公司在扣除与提前终止相关的任何费用或罚款后提供给投保人的现金价值。理解退保价值对于财务规划至关重要。许多人购买寿险是为了确保家庭的财务未来。然而，情况可能会发生变化，导致他们重新考虑自己的选择。例如，投保人可能会发现自己陷入财务困境，需要立即资金。在这种情况下，了解退保价值可以帮助他们做出明智的决策，决定是兑现保单还是继续保持活跃状态。此外，退保价值通常会随着时间的推移而增加，因为投保人继续支付保费。这种增长可以归因于保单内部现金价值的积累，受多种因素影响，例如保单生效的时间长度以及购买的保单类型。与没有现金价值组件的定期寿险相比，终身寿险通常提供更高的退保价值。还需要注意的是，退保价值可能因保险公司的政策、保险产品的类型以及保单协议中列出的具体条款而显著不同。一些保险公司可能会在保单的初始几年内收取高额的退保费用，这可能会大大降低如果投保人决定提前兑现时所获得的金额。因此，潜在买家应仔细阅读保单文件，并在购买前了解退保价值的影响。总之，退保价值作为投保人的一个重要财务安全网。它提供了一种在需要时获取现金的方式，同时也突显了全面理解自身保险保单的重要性。随着生活情况的变化，了解退保价值可以使个人做出更好的财务决策，确保在意外情况发生时不会处于脆弱的境地。最终，了解退保价值可以带来更具战略性的财务规划和投保人及其家庭的安心。