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人寿保险中英对照
人身保险合同的常见条款
1
、不可抗辩条款
Incontestable provision
2
、宽限期条款
Grace period provision
3
、复效条款
Reinstatement provision
4
、年龄误告条款
Misstatement of age provision
5
、自杀条款
Suicide clause
6
、贷款条款
Policy loan provision
7
、自动垫缴保费条款
Automatic premium loan provision
8
、不丧失的现金价值条款
Non-forfeiture provision
9
、保单转让条款
Policy assignment clause
——绝对转让
absolute
assignment
——抵押转让
collateral assignment
10
、受益人条款
Beneficiary clause
人身保险合同的选择权条款
一、不丧失权益选择权条款
Non-
forfeiture benefits option clause
1
、退保金不丧失选择权
Cash surrender value nonforfeiture
option
2
、减额缴清保险不丧失选择权
Reduced paid-up insurance nonforfeiture
option
3
、展期保险不丧失选择权
Extended term insurance nonforfeiture
option
二、红利选择权条款
Dividend option clause
1
、现金红利选择权
Cash dividend option
2
、抵减保费红利选择权
Primium reduction dividend option
3
、累计利息红利选择权
Accumulation at interest dividend
option
4
、增额缴清保费红利选择权
Paid-up additional insurance dividend
option
5
、增额定期保险红利选择权
Additional term insurance dividend
option
三、保险金给付选择权条款
Settlement option provision
四、保费交付选择权条款
Premium payment option clause
保障型人寿保险
一、定期寿险
Term life
insurance
1
、定额定期寿险
Level term life insurance
2
、减额定期寿险
Decreasing term life insurance
3
、增额定期寿险
Increasing term life insurance
二、终身寿险
Whole life
insurance
三、两全保险
Endowment insurance
?
补充残疾给付——免缴保费
Waiver of premium (WP)
1
、残疾免缴保费给付
Waiver of premium for disability
benefit
2
、投保人免缴保费给付
Waiver of premium for payor benefit
3
、残疾收入给付
Disability income benefit
?
寿险提前给付附约
Accelerated death benefit riders
1
、终末疾病给付
Terminal illness benefit
2
、重大疾病给付
Dread disease benefit
3
、长期护理给付
Long-term care benefit
1