life insurance

简明释义

人寿保险

英英释义

例句

1.They reviewed their life insurance coverage to ensure it met their current needs.

他们审查了自己的人寿保险保障，以确保其满足当前需求。

2.The life insurance payout helped her pay off the mortgage after her husband's passing.

在她丈夫去世后，人寿保险的赔付帮助她偿还了按揭贷款。

3.He decided to purchase a life insurance policy to secure his family's financial future.

他决定购买一份人寿保险以保障家人的财务未来。

4.After becoming a parent, she realized the importance of having life insurance.

成为父母后，她意识到拥有人寿保险的重要性。

5.Many employers offer life insurance as part of their employee benefits package.

许多雇主将人寿保险作为员工福利的一部分。

作文

Life is unpredictable, and while we often focus on enjoying the present, it is equally important to plan for the future. One of the most effective ways to ensure that our loved ones are financially secure in the event of an unexpected tragedy is through life insurance (人寿保险). Life insurance is a contract between an individual and an insurance company, where the insurer promises to pay a designated beneficiary a sum of money upon the death of the insured person. This financial product serves as a safety net for families, providing them with peace of mind knowing that they will not be burdened with financial difficulties during an already challenging time.There are various types of life insurance (人寿保险), including term life insurance, whole life insurance, and universal life insurance. Term life insurance provides coverage for a specific period, typically ranging from 10 to 30 years. It is often more affordable than other types because it does not build cash value; instead, it simply pays out a death benefit if the insured passes away during the term. Whole life insurance, on the other hand, offers lifelong coverage and includes a savings component that builds cash value over time. This type of policy is generally more expensive but can serve as a form of investment as well as protection. Universal life insurance combines features of both term and whole life insurance, allowing the policyholder flexibility in premium payments and death benefits.Understanding the importance of life insurance (人寿保险) is crucial, especially for those who have dependents. If a primary breadwinner were to pass away unexpectedly, the loss of income could leave the family in a precarious financial situation. Life insurance acts as a financial cushion, allowing the family to cover immediate expenses such as funeral costs, mortgage payments, and daily living expenses without facing financial ruin.Moreover, life insurance (人寿保险) can also play a significant role in estate planning. For individuals with substantial assets, a life insurance policy can help cover estate taxes, ensuring that heirs receive their inheritance without having to liquidate assets. This aspect of life insurance is particularly beneficial for business owners who wish to keep their companies intact for future generations.In addition to personal benefits, life insurance (人寿保险) can also provide a sense of security and stability. Knowing that there is a financial plan in place can reduce anxiety about the future. Many people find comfort in the idea that their loved ones will be taken care of, even when they are no longer around.However, it is essential to choose the right life insurance (人寿保险) policy based on individual needs and circumstances. Factors such as age, health, lifestyle, and financial obligations should all be considered when selecting a policy. Consulting with a financial advisor or insurance agent can provide valuable insights and help individuals make informed decisions.In conclusion, investing in life insurance (人寿保险) is a proactive step towards securing the financial future of one's family. It is not merely a financial product but a promise of protection and support during difficult times. By understanding the different types of life insurance available and assessing personal needs, individuals can choose the best policy to ensure their loved ones are cared for, no matter what life may bring.

生活是不可预测的，虽然我们常常专注于享受现在，但同样重要的是为未来做计划。确保我们的亲人在意外悲剧发生时财务安全的有效方法之一就是通过人寿保险。人寿保险是一种个人与保险公司之间的合同，其中保险公司承诺在被保险人去世时向指定的受益人支付一笔款项。这种金融产品作为家庭的安全网，让他们安心，因为他们知道在已经艰难的时刻不会面临经济困难。有多种类型的人寿保险，包括定期人寿保险、终身人寿保险和万能人寿保险。定期人寿保险提供特定期间的保障，通常范围从10年到30年。由于它不积累现金价值，因此通常比其他类型的保险更实惠；相反，它只在被保险人在保险期内去世时支付死亡赔偿金。而终身人寿保险则提供终身保障，并包括一个随时间增长的储蓄成分。这种类型的保单通常更昂贵，但可以作为投资形式以及保护。万能人寿保险结合了定期和终身人寿保险的特点，允许保单持有人在保费支付和死亡赔偿金方面灵活选择。理解人寿保险的重要性至关重要，尤其是对于那些有抚养义务的人来说。如果主要收入来源者意外去世，收入的损失可能会使家庭处于危险的财务状况中。人寿保险充当财务缓冲，使家庭能够在面对财务崩溃之前，支付如葬礼费用、抵押贷款和日常生活费用等紧急开支。此外，人寿保险在遗产规划中也可以发挥重要作用。对于拥有大量资产的个人来说，人寿保险保单可以帮助支付遗产税，确保继承人获得遗产而不必变卖资产。这一方面对希望将公司完整留给后代的企业主尤其有利。除了个人利益外，人寿保险还可以提供安全感和稳定感。知道有一个财务计划可以减少对未来的焦虑。许多人在想自己不再在世时，自己的亲人会得到照顾，这种想法让他们感到安慰。然而，根据个人需求和情况选择合适的人寿保险政策至关重要。年龄、健康、生活方式和财务义务等因素都应在选择保单时考虑。咨询财务顾问或保险代理人可以提供有价值的见解，并帮助个人做出明智的决定。总之，投资于人寿保险是确保家庭财务未来的积极步骤。它不仅仅是一种金融产品，而是对在困难时期提供保护和支持的承诺。通过了解不同类型的人寿保险以及评估个人需求，个人可以选择最佳保单，以确保无论生活带来什么，他们的亲人都能得到照顾。