| 单词 | Whole life insurance |
| 释义 | 終身壽險 A life insurance policy which provides life-long coverage to the insured and the sum insured is only payable on the death of the person whose life is insured. The policy-owner is entitled to ‘cash value’, which is the interest in the funds accumulated in the reserve. The cash value is refunded from the insurer to the policy-owner upon his cancelling the policy and surrendering the policy to the insurer. In addition, the policy-owner in also entitled to a dividend. In case of whole life assurances, the ‘relevant capital sum’ means the sum assured, excluding in all cases any vested reversionary bonus: Insurance Companies (Determination of Long Term Liabilities) Regulation (Cap 41E) s 15(4). See also Life insurance. 向受保人提供終身保險的人壽保單，投保金額僅於受保人去世時支付。保單擁有人對「現金價值」擁有權利，「現金價值」即該儲備中累積資金的利息。保單擁有人在撤銷保單，及向承保人交出保單時，承保人將向保單擁有人返還現金價值。此外，保單擁有人亦對股息擁有權利。對於終身壽險而言，「有關資本額」指保額，但在任何情況下均不包括既得的復歸紅利：《保險公司(長期負債釐定)規例》（第41E章）第15(4)條。另見 Life insurance。 |
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