人寿保险

什么是人寿保险？

人寿保险在被保险人死亡时或在一定时间后支付一笔款项。

定期人寿保险

定期人寿保险或定期保险是指在一定时期内（相关期限）以固定的支付率提供保险的人寿保险。在该期限到期后，将不再保证按先前的保险费率进行保险，客户必须放弃保险，或可能以不同的付款或条件获得进一步的保险。如果受保人在任期内死亡，则死亡抚恤金将支付给受益人。定期保险是在特定时间段内按每保费美元的承保金额购买实质性死亡抚恤金的最便宜的方式。

终身寿险

Whole life insurance, or whole of life assurance, is a life insurance policy that remains in force for the insured’s whole life and requires (in most cases) premiums to be paid every year into the policy.

环球人寿保险

A type of permanent life insurance. Under the terms of the policy, the excess of premium payments above the current cost of insurance is credited to the cash value of the policy. The cash value is credited each month with interest, and the policy is debited each month by a cost of insurance (COI) charge, as well as any other policy charges and fees which are drawn from the cash value, even if no premium payment is made that month. Interest credited to the account is determined by the insurer, but has a contractual minimum rate of 2%. When an earnings rate is pegged to a financial index such as a stock, bond or other interest rate index, the policy is a “Equity Indexed Universal Life” contract.

可变万能寿险

Variable Universal Life Insurance is a type of life insurance that builds a cash value. In a VUL, the cash value can be invested in a wide variety of separate accounts, similar to mutual funds, and the choice of which of the available separate accounts to use is entirely up to the contract owner. The ‘variable’ component in the name refers to this ability to invest in separate accounts whose values vary—they vary because they are invested in stock and/or bond markets. The ‘universal’ component in the name refers to the flexibility the owner has in making premium payments. The premiums can vary from nothing in a given month up to maximums defined by the Internal Revenue Code for life insurance.

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