【中文版】

减额交清保额是指在保险合同中，投保人可以通过减少保险金额的方式，用现金价值来交清保险费用，从而减少保险合同的现金价值。减额交清保额通常发生在投保人无法按照原合同约定交纳保费的情况下，是一种比较实用的保障措施。

具体来说，如果投保人想要减少保险金额，可以先向保险公司提出申请，经过保险公司审核同意后，双方可以协商一个新的保险金额和保费，并将保费交清。之后，保险公司会重新计算保险合同的现金价值，并退还多余的现金价值给投保人。

减额交清保额的好处在于，它可以让投保人在无法按时交纳保费的情况下，保障保险合同的有效性，同时也可以让投保人根据自己的经济状况来调整保险金额和保费，更加灵活地管理自己的财产。

但是需要注意的是，减额交清保额可能会降低保险合同的保障程度，因此投保人在选择减额交清保额之前，应该仔细考虑自己的保障需求和财务状况，做出明智的决策。

【英文版】

Reduced premium paid-up insurance额度 refers to the insurance contract, where the policyholder can reduce the insurance amount by using cash value to pay the insurance premium, thereby reducing the cash value of the insurance contract. Reduced premium paid-up insurance is usually a practical measure taken when the policyholder is unable to pay the premium according to the original contract agreement.

Specifically, if the policyholder wants to reduce the insurance amount, they can first apply to the insurance company for approval. After the insurance company's review and approval, both parties can negotiate a new insurance amount and premium, and pay the premium in full. Subsequently, the insurance company will recalculate the cash value of the insurance contract and return the excess cash value to the policyholder.

The advantage of reduced premium paid-up insurance is that it allows the policyholder to maintain the effectiveness of the insurance contract when unable to pay the premium on time, while also allowing the policyholder to adjust the insurance amount and premium according to their financial situation, managing their assets more flexibly.

However, it should be noted that reduced premium paid-up insurance may reduce the level of insurance contract protection. Therefore, before choosing reduced premium paid-up insurance, policyholders should carefully consider their own protection needs and financial situation to make informed decisions.