Premium Calculation and Payment Options
The agent provides a precise calculation of the premiums based on the selected coverage and the client's profile. They also discuss various payment frequency options (monthly, quarterly, annually) and available payment methods.
代理人根据所选保障和客户资料精确计算保费。他们还会讨论各种支付频率选项（月付、季付、年付）和可用的支付方式。
对话
聆听并跟进对话
词汇
对话中的必备词汇和短语
premium
The amount of money you pay regularly for an insurance policy. It's like the cost to keep your insurance active.
您为保险单定期支付的金额。就像维持保险有效的费用。
coverage
The protection or benefits provided by an insurance policy, such as what risks it covers like accidents or health issues.
保险单提供的保护或福利，例如它覆盖的风险，如事故或健康问题。
annually
Something that happens once every year, often used for payments like insurance fees.
每年发生一次的事情，通常用于像保险费这样的付款。
quarterly
Every three months, commonly used for dividing payments into four parts per year.
每三个月一次，通常用于将付款分为每年四部分。
monthly
Every month, a common way to spread out payments to make them smaller and more manageable.
每月，一种常见的将付款分散开来、使其更小且更容易管理的方式。
discount
A reduction in the price, often given for paying in full or upfront, to encourage customers to save money.
价格的降低，通常因一次性付款或预付款而给予，以鼓励客户节省金钱。
cost-effective
Providing good value for the money spent, meaning it's cheaper or more efficient in the long run.
提供良好的支出价值，即用花的钱换取好的回报，意味着长期来看更便宜或更高效。
direct debit
An automatic payment method where money is taken directly from your bank account on a set date, convenient for regular bills.
一种自动支付方式，在固定日期从您的银行账户直接扣除资金，便于定期账单。
recurring payment
A payment that repeats automatically at regular intervals, like monthly subscriptions or insurance premiums.
一种在固定间隔自动重复的支付，例如月度订阅或保险费。
关键句型
需要记住和练习的重要短语
Based on the coverage options we've discussed and your profile, your annual premium for this policy would be $1,200.
This sentence uses 'based on' to explain how a decision or calculation is made from previous information. It's useful in professional talks to justify costs. Grammar: Conditional 'would be' for hypothetical or estimated amounts.
这个句子使用 'based on' 来解释如何根据先前信息做出决定或计算。在专业对话中用于证明成本很有用。语法：条件式 'would be' 用于假设或估计金额。
Would you prefer to pay annually, quarterly, or monthly?
A polite question offering choices using 'or' to list options. Great for service situations like banking or shopping to ask preferences without pressure.
一个礼貌的问题，使用‘或’列出选项提供选择。非常适合银行或购物等服务场景中，不施压地询问偏好。
What would the quarterly and monthly rates be? And are there any discounts for paying annually?
This combines questions with 'what would...be' for specifics and 'are there any' for availability. Useful when seeking details on costs and savings in negotiations.
这结合了使用'what would...be'的具体问题和'are there any'的可用性问题。在谈判中寻求成本和节省细节时很有用。
If you pay quarterly, it would be $310 per quarter, totaling $1,240 annually.
Uses 'if' for conditions and 'totaling' to sum up. Helpful for explaining payment breakdowns, showing how smaller payments add up over time.
使用“if”表示条件，并使用“totaling”来总结。有助于解释支付细目，展示小额支付如何随时间累积。
Okay, so paying annually is definitely the most cost-effective.
Starts with 'Okay, so' to summarize and conclude. 'Definitely' adds emphasis. Use this to agree and decide after comparing options in discussions.
以‘Okay, so’开头，用于总结和结尾。‘Definitely’添加了强调。在讨论中比较选项后，用于同意并决定。
We accept major credit cards, bank transfers, and direct debit.
Lists accepted methods with 'and' for the final item. Common in customer service to inform about payment options clearly and inclusively.
使用 'and' 列出接受的方法，最后一项。客户服务中常见，用于清晰且包容地告知支付选项。
Direct debit sounds good for the annual payment. Can I set that up today?
Expresses positive opinion with 'sounds good' and asks permission with 'Can I'. Practical for proceeding with a choice in consultations, showing eagerness to act.
用 'sounds good' 表达积极意见，并用 'Can I' 询问许可。在咨询中推进选择很实用，显示出行动的热切。
Absolutely. I can provide you with the necessary form and walk you through the process right now.
'Absolutely' means strong yes. 'Walk you through' means guide step-by-step. Use in helpful responses to reassure clients during setup processes.
'Absolutely' 表示强烈的肯定。'Walk you through' 表示逐步引导。在设置过程中用于帮助性回复，以安抚客户。