premium loan
A loan made to an insured by the insurer to enable the insured to pay further premiums. • The reserve value of the policy serves as collateral. [Cases: Insurance 1868, 2037. C.J.S. Insurance §§ 352–356, 518–519, 742–745, 749–754.]
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premium loan provision
premium loan provision 保费贷款条款 通常见于人寿保险合同的一项条款，规定在被保险人未在规定时间内支付保费时，保险人将代其支付并把代支的保费记为以保单担保的贷款，但以保单的退保现金价值为限。
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loan for paying premium
loan for paying premium 缴纳保险费借款 期间为一年，期满可续借，最高额为一年的保险费，并以当时的发还金额为限。
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premium earned
premium earned 〈美〉 (1)已赚保费 保险会计术语。意指在有效会计期间内，用于已经过之保险期间的相应比例的保险费。总保费与既定会计期间的已赚保费的比例和总保险期与该会计期间的比例相等。因为保费预先支付，所以可以说保险公司仅已赚取了与从保险单入账时起已经过之期间直接成比例的保险费。 (2)已赚额外费用 即房屋贷款协会〔building and loan association〕成员所支付的溢价〔premium〕中与提前终止法律关系之前经过的期间成比例的部分。
rate
rate, n. 1. Proportional or relative value; the proportion by which quantity or value is adjusted (rate of inflation). 2. An amount paid or charged for a good or service (the rate for a business-class fare is $550). class rate. A single rate applying to the transportation of several articles of the same general character.
loss ratio
loss ratio. 1. Insurance. The ratio between premiums paid and losses incurred during a given period. [Cases: Insurance 1540. C.J.S. Insurance § 65.] 2. A bank’s loan losses compared to its loan assets; a business’s receivable losses compared to its receivables.