Policy Explanation and Comparison
The agent presents different insurance policy options (e.g., life, health, auto, property) tailored to the client's needs, explaining the features, benefits, premiums, deductibles, and exclusions of each. The client asks clarifying questions and compares the options.
代理人介绍为客户量身定制的不同保险方案（例如，人寿、健康、汽车、财产等），解释每种方案的特点、优势、保费、免赔额和除外责任。客户提出澄清问题并比较这些选项。
对话
聆听并跟进对话
词汇
对话中的必备词汇和短语
premium
The regular payment you make to keep an insurance policy active, like a monthly fee.
您为保持保险单有效而定期支付的款项，例如每月费用。
deductible
The amount of money you must pay out-of-pocket for medical or other costs before your insurance starts to cover the rest.
在保险开始支付其余费用之前，您必须自掏腰包支付的医疗或其他费用的金额。
exclusions
Specific things or situations not covered by an insurance policy, such as certain treatments.
保险单不涵盖的特定事物或情况，例如某些治疗。
comprehensive
Covering a wide range of things thoroughly, like a health plan that includes many medical services.
彻底覆盖广泛范围的事物，比如一个包括许多医疗服务的健康计划。
payout
The amount of money an insurance company pays to the beneficiary, such as in life insurance after death.
保险公司支付给受益人的资金金额，例如在人寿保险中因死亡而支付。
term life
A type of life insurance that provides coverage for a specific period, like 20 years, and pays out only if death occurs during that time.
一种人寿保险，提供特定期限（如20年）的保障，仅在该期限内死亡时赔付。
whole life
A type of life insurance that covers you for your entire life and often includes a savings component.
一种覆盖您一生的寿险类型，通常包括储蓄成分。
cash value
The savings part of some insurance policies that grows over time and can be borrowed against.
某些保险保单的储蓄部分，会随着时间增长，并且可以借用。
pre-existing conditions
Health problems you had before getting insurance, which might not be covered or have waiting periods.
获得保险之前你就已经存在的健康问题，这些问题可能不被覆盖或有等待期。
关键句型
需要记住和练习的重要短语
Based on our previous discussion about your needs, I've prepared a few options for you to consider.
This sentence uses 'based on' to show something is decided from prior information; it's useful for professional talks to refer back to earlier conversations and introduce choices.
这个句子使用 'based on' 来表示某事基于先前信息决定；在专业对话中，它用于回顾之前的谈话并引入选择，非常有用。
I'm ready to dive in.
An idiomatic expression meaning 'I'm ready to start discussing in detail'; use it in meetings or consultations to show enthusiasm and readiness.
一个习语，意思是“我准备好开始详细讨论了”；在会议或咨询中使用，以显示热情和准备就绪。
It covers most medical expenses, including hospitalization, specialist visits, and prescription drugs.
This lists benefits using 'including' for examples; helpful for describing what something covers, like in insurance or product explanations, with parallel structure for clarity.
这使用‘including’列出示例来列出福利；有助于描述某物覆盖的内容，例如在保险或产品说明中，使用并列结构以求清晰。
I'd pay less monthly, but more out-of-pocket if I actually needed to use it for something significant.
Uses conditional 'if' for hypotheticals and contrasts with 'but'; practical for comparing costs in insurance, explaining trade-offs between low payments and higher personal expenses.
使用条件'if'表示假设，并用'but'对比；实用于保险成本比较，解释低支付和高个人费用的权衡。
The term life policy only pays out if I pass away within those 20 years, right?
A clarifying question with 'right?' for confirmation; useful in discussions to check understanding, focusing on conditions with 'if' clauses.
带有“right？”的澄清问题，用于确认；在讨论中用于检查理解，焦点在于带有“if”从句的条件。
I'm leaning towards the comprehensive health plan and the term life policy.
'Leaning towards' means preferring something slightly; great for expressing tentative choices in decisions, like shopping or consultations, without committing fully.
“Leaning towards”意思是稍微偏向某事；非常适合表达决策中的暂定选择，比如购物或咨询，而不完全承诺。
Can we go over the exclusions for the health plan, just to be absolutely sure?
'Go over' means review in detail; this polite request uses 'just to be absolutely sure' for caution; ideal for asking for more details in important matters like contracts.
‘Go over’ 意思是详细审查；这个礼貌的请求使用 ‘just to be absolutely sure’ 来表示谨慎；适合在像合同这样的重要事务中要求更多细节。