保险中“身价”是什么意思：中英文双语阅读

中文段落：

在保险领域中，“身价”一词通常指的是被保险人的经济价值，也就是保险合同中规定的保险金额。这个金额代表了被保险人在保险事故发生时，保险公司愿意支付的赔偿金额。身价通常由保险公司根据被保险人的年龄、健康状况、职业风险等因素来评估和确定。

在人身保险中，身价通常与人的生命价值相关联。例如，在寿险中，身价通常指的是被保险人的生命价值，即如果被保险人在合同有效期内不幸身故，保险公司将按照合同规定的保险金额进行赔偿。这个赔偿金额可以帮助被保险人的家庭在经济上渡过难关，维持生活水平。

身价不仅反映了被保险人的经济价值，也是保险公司评估风险和制定保费的重要依据。保险公司会根据被保险人的身价来确定保费，身价越高，保费通常也会相应增加。

英文段落：

In the insurance industry, the term "life value" typically refers to the economic worth of the insured individual, which is specified as the insurance amount outlined in the insurance contract. This amount represents the compensation that the insurance company is willing to pay in the event of an insured event. Life value is generally assessed and determined by the insurance company based on factors such as the insured's age, health condition, and occupational risks.

In life insurance, life value is often associated with the value of a person's life. For example, in life insurance policies, life value typically refers to the insured's value of life, meaning that if the insured不幸dies during the contract's validity period, the insurance company will compensate according to the agreed insurance amount. This compensation can assist the insured's family in overcoming financial difficulties and maintaining their lifestyle.

Life value not only reflects the economic worth of the insured but also serves as a crucial basis for insurance companies to assess risks and determine premiums. Insurance companies determine premiums based on the insured's life value, and higher life values typically correlate with higher premiums.