2018年翻譯資格考試初級(jí)筆譯模擬題：終身人壽保險(xiǎn)

　　英譯漢

　　Whole life is permanent insurance protection that protects you for your whole life, from the day you purchase the policy until you die, as long as you pay the premiums(保險(xiǎn)費(fèi)).

　　Whole life can be a solid foundation. Upon this foundation you can build a long-term financial plan, because it guarantees lifetime protection for your family or business.

　　Whole life insurance provides basic insurance protection, plus Mortgage protection, Estate preservation, Retirement funding, Charitable giving, Business needs...

　　A life insurance agent will help you determine an amount of insurance needed to protect your family or business in the event of your death.

　　Generally after the first year, the policy begins to increase cash value. The amount of cash value in your policy usually increases every year. This money can be used to help purchase a home, fund a child's education, add to retirement income, or for any other purpose. You may also choose to leave it in the policy and allow it to grow.

　　A whole life policy can earn dividends. Dividends are determined by the company' s board of directors each year and are. not guaranteed. When a dividend is payable, you may choose to take it in cash, use it to buy more insurance or to pay or reduce your premiums.

　　When you die, the company will pay your beneficiaries the death benefit, usually the face amount of the policy plus any dividend. This money is generally received by the beneficiaries free from income tax.

　　參考譯文

　　終身人壽保險(xiǎn)是一種永久保險(xiǎn)保護(hù)，只要你支付保險(xiǎn)費(fèi)，它就可以保護(hù)你的整個(gè)一生，從你購(gòu)買(mǎi)保險(xiǎn)的那天開(kāi)始直至你的死亡。

　　終身人壽保險(xiǎn)是一個(gè)穩(wěn)固的基礎(chǔ)。因?yàn)樗�向你的家庭和企業(yè)提供畢生的保護(hù)，因此，你可以在這個(gè)基礎(chǔ)之上建立長(zhǎng)期的財(cái)政計(jì)劃。

　　終身人壽保險(xiǎn)提供基本的保險(xiǎn)保護(hù)，外加：抵押保護(hù)、房產(chǎn)維護(hù)、退休基金、福利捐贈(zèng)、企業(yè)需求等。

　　人壽保險(xiǎn)代理將會(huì)協(xié)助你確定，在你死亡以后，為了保護(hù)你的家人或者企業(yè)所需的保險(xiǎn)金額。

　　通常在第一年之后，保險(xiǎn)單就會(huì)開(kāi)始增加現(xiàn)金價(jià)值。你的保單中的現(xiàn)金數(shù)量通常每年都會(huì)增長(zhǎng)。這些資金可以用來(lái)購(gòu)買(mǎi)房屋，投資孩子的教育，增加到退休收入中或者用于其他用途。你也可以讓它存在保險(xiǎn)單中繼續(xù)增值。

　　終身人壽保險(xiǎn)可以獲得紅利。紅利的分配是由每年召開(kāi)的公司董事會(huì)決定的，它并不是有保障的。如果紅利應(yīng)該得到償付，那么你可以選擇拿現(xiàn)金用它來(lái)購(gòu)買(mǎi)更多的保險(xiǎn)或者支付和減少你的保險(xiǎn)費(fèi)的方式把它要回。

　　如果你不幸死亡，我們公司會(huì)向你的受益人支付死亡撫恤金，它通常是保險(xiǎn)面額外加任何可能的紅利。這些資金通常是由受益人享用的，它們都不需要付所得稅。

　　熱點(diǎn)關(guān)注:2018年翻譯資格考試catti三級(jí)筆譯模擬題匯總（112篇）