Life Insurance 101
人壽保險淺知
If you are considering acquiring a life insurance policy you may have come across complex and confusing terminology. For such an important issue is only natural to try and get a firm grasp on what you are really signing up for. Don't worry, we have compiled a couple of common terms that you may come across while researching a policy.
如果您正在考慮購買一份人壽保險，您可能會遇到復雜而令人困惑的專業用語。對於一件如此重要的事情，您需要明白並理解簽約的內容是非常正常的。不用擔心，我們整理了一些在人壽保單上會遇到的常用專業用語。
Final expense life insurance
最終費用人壽保險
A permanent life insurance policy designed to cover immediate expenses related to the policyholder’s death, such as the cost of the funeral or medical bills. Final expense life insurance policies are typically guaranteed issues, never expire, and are level premium.
永久性人壽保險，是支付與保單持有人死亡相關的即時費用，例如喪葬費用或醫療費用。最終費用人壽保險通常是保證承保保單，永不過期，並且有不同層級保費的選擇。
Cash surrender value
退保現金價值
The cash surrender value is the amount of money you receive if you cash in your permanent policy. It’s typically the current cash value of your policy minus any outstanding loans and interest fees, as well as any surrender or administrative fees listed in your contract. Typically the surrender value is between 50-80% of the policy’s actual cash value.
退保現金價值是您在永久保單中兌現時收到的金額。通常是您保單的當前現金價值減去任何未償還的貸款和利息費用，以及保單合約中列出的任何退保或管理費用。通常退保價值在保單實際現金價值的50-80%之間。
Life Insurance Riders
人壽保險的附加條款
Many insurance companies offer policyholders the option to customize their policies to accommodate their needs. Riders are the most common way policyholders may modify their plans. There are many riders, but availability depends on the provider. The policyholder will typically pay an additional premium for each rider or a fee to exercise the rider, though some policies include certain riders in their base premium.
許多保險公司為保單持有人提供定制保單選擇，以滿足他們的需求。附加條款是保單持有人修改保單計劃的最常見方式。有很多保險附加條款的選擇，但是否可用則取決於投保的保險公司。保單持有人通常會為每個附加條款支付額外的保費或支付費用來行使附加條款，儘管有些保單的基本保費中已經包含了某些附加條款。 Cash-value life insurance
現金價值人壽保險
If you have a cash value life insurance policy, you can generally access the money through a withdrawal or loan, or by surrendering the policy and ending it.
如果您有現金價值人壽保險單，您通常可以通過提款或貸款，或退保並終止保單來獲取資金。
One of the reasons to buy cash value life insurance is to have access to the money that builds up within the policy. When you pay premiums, the payments generally go to three places: cash value, the cost to insure you, and policy fees and charges. Money within the cash value account grows tax-free, based on the interest or investment gains it earns (depending on the policy). But once you withdraw the money, you could face a tax bill.
購買現金價值人壽保險的原因之一是可以獲得保單中積累的資金。當您支付保費時，支付的金額通常會分配到三個地方：現金價值、投保的費用，以及保單費用和收費。現金價值賬戶中的資金所賺取的利息或投資收益（根據不同的保單）是免稅的。但是，一旦您取款，您可能會被收稅。 Source 文章來源: https://www.policygenius.com/