life assurance

简明释义

人寿保险

英英释义

例句

1.It's important to review your life assurance policy regularly to ensure it meets your current needs.

定期审查您的人寿保险政策以确保其满足您当前的需求是很重要的。

2.Many people purchase life assurance to secure their family's financial future in case of unexpected events.

许多人购买人寿保险以确保在意外事件发生时，家人的财务未来得到保障。

3.The bank offered me a life assurance plan when I took out a mortgage.

当我申请抵押贷款时，银行向我提供了一项人寿保险计划。

4.Employers often provide life assurance as part of their employee benefits package.

雇主通常将人寿保险作为员工福利的一部分提供。

5.She felt relieved knowing that her children would be taken care of with her life assurance policy.

她感到宽慰，因为知道她的孩子们会通过她的人寿保险政策得到照顾。

作文

In today's uncertain world, the importance of financial security cannot be overstated. One of the most effective ways to ensure that your loved ones are taken care of in the event of your untimely demise is through life assurance. 人寿保险 not only provides peace of mind but also serves as a crucial financial safety net for families during difficult times.When we think about life assurance, we often picture a policy that pays out a sum of money when the insured individual passes away. This payout can help cover various expenses, such as funeral costs, outstanding debts, and even day-to-day living expenses for the family left behind. In essence, life assurance acts as a financial cushion that can alleviate the burden on grieving families.Moreover, life assurance comes in different forms, including term life insurance and whole life insurance. Term life insurance provides coverage for a specific period, typically ranging from 10 to 30 years. If the insured person dies within this term, the beneficiaries receive the death benefit. On the other hand, whole life insurance offers lifelong coverage and includes a savings component that builds cash value over time. This flexibility allows individuals to choose a policy that best suits their financial situation and goals.Another significant advantage of life assurance is its role in estate planning. For those who wish to leave a legacy for their heirs, life assurance can provide a tax-free inheritance that can help cover estate taxes or other financial obligations. This ensures that your loved ones are not left with financial burdens after your passing.Additionally, life assurance can be an essential tool for business owners. If a business partner passes away, the remaining partners may face financial challenges. A life assurance policy can fund a buy-sell agreement, allowing the surviving partners to purchase the deceased partner's shares, thus maintaining the stability of the business.Despite its many benefits, many people still overlook the necessity of life assurance. Some may believe that they are too young to consider it, while others might think that they cannot afford the premiums. However, the reality is that the earlier you invest in life assurance, the lower your premiums will likely be. Additionally, there are various affordable options available that cater to different financial situations.In conclusion, life assurance is more than just a financial product; it is a commitment to providing for your loved ones even after you are gone. By securing a life assurance policy, you are taking a proactive step towards ensuring your family's financial security and peace of mind. Whether you are young and just starting your career or nearing retirement, investing in life assurance is a decision that can have lasting positive effects on your family's future. Don't wait until it's too late; consider life assurance as an essential part of your financial planning today.

在当今不确定的世界中，财务安全的重要性不容小觑。确保您的亲人在您意外去世时得到照顾的最有效方法之一就是通过人寿保险。人寿保险不仅提供了内心的平静，而且在困难时期为家庭提供了至关重要的财务安全网。当我们想到人寿保险时，我们常常想象一种在被保险人去世时支付一笔款项的保单。这笔赔偿金可以帮助支付各种费用，例如葬礼费用、未偿债务，甚至是留给家人的日常生活费用。从本质上讲，人寿保险充当了一种财务缓冲，可以减轻悲痛家庭的负担。此外，人寿保险有不同的形式，包括定期人寿保险和终身人寿保险。定期人寿保险提供特定期限的保障，通常在10到30年之间。如果被保险人在此期限内去世，受益人将收到死亡赔偿金。另一方面，终身人寿保险提供终身保障，并包括一个随时间增长现金价值的储蓄部分。这种灵活性使个人能够选择最适合其财务状况和目标的保单。人寿保险的另一个显著优势是它在遗产规划中的作用。对于那些希望为继承人留下遗产的人来说，人寿保险可以提供免税的遗产，这可以帮助支付遗产税或其他财务义务。这确保了您的亲人在您去世后不会面临财务负担。此外，人寿保险对企业主来说也是一项重要工具。如果一位商业伙伴去世，剩余的伙伴可能会面临财务挑战。人寿保险政策可以为买卖协议提供资金，使幸存的伙伴能够购买已故伙伴的股份，从而维护企业的稳定。尽管有许多好处，但许多人仍然忽视了人寿保险的必要性。有些人可能认为自己太年轻而不需要考虑，有些人则可能认为他们无法承担保费。然而，现实是，您越早投资于人寿保险，您的保费通常就越低。此外，还有许多适合不同财务状况的经济实惠选项可供选择。总之，人寿保险不仅仅是一种金融产品；它是一种承诺，即使在您去世后也能为您的亲人提供保障。通过确保一份人寿保险保单，您正在采取积极步骤，以确保您家人的财务安全和内心的平静。无论您是年轻刚开始职业生涯还是接近退休，投资于人寿保险都是一个可以对您家人的未来产生持久积极影响的决定。不要等到为时已晚；今天就考虑将人寿保险作为您财务规划的重要组成部分。