Application Process and Next Steps
Once the client decides on a policy, the agent explains the application process, required documentation, medical examinations (if any), and the timeline for policy issuance. They also outline the next steps for formalizing the agreement.
一旦客户决定保单，代理人会解释申请流程、所需文件、体检（如果有）以及保单签发的时间线。他们还会概述正式达成协议的后续步骤。
对话
聆听并跟进对话
词汇
对话中的必备词汇和短语
application
A formal request to buy or join something, like an insurance policy. In this dialogue, it means the process of applying for insurance.
一种购买或加入某物的正式请求，例如保险保单。在本对话中，它指申请保险的过程。
beneficiaries
People who receive money or benefits from an insurance policy if the policyholder dies. It's important in insurance to name who gets the payout.
如果保单持有人死亡，从保险单中获得金钱或福利的人。在保险中，指定谁获得赔付很重要。
questionnaire
A set of questions used to collect information, often about health in insurance. It's like a simple form instead of a full exam.
一套用于收集信息的问卷，通常与保险中的健康状况相关。它就像一个简单的表格，而不是全面的检查。
underwriting
The process where an insurance company evaluates the risk of insuring someone. They review your application to decide if they can approve it.
保险公司评估为某人提供保险的风险的过程。他们审查您的申请，以决定是否可以批准。
issuance
The act of officially giving out or starting an insurance policy. After approval, the policy is issued to the client.
正式发放或启动保险单的行为。批准后，保单会签发给客户。
timeline
A schedule showing how long something takes or the steps in order. Here, it refers to the time from application to getting the policy.
一个显示某事需要多长时间或步骤顺序的时间表。在此，它指的是从申请到获得保单的时间。
关键句型
需要记住和练习的重要短语
Before we proceed with the application, let's briefly go over the process and what to expect.
This sentence uses 'proceed with' to mean 'move forward with' and 'go over' to mean 'review quickly.' It's useful for politely explaining steps in a professional conversation, like in business or services. Grammar: Present simple for general facts.
这个句子使用 'proceed with' 表示 '继续进行'，'go over' 表示 '快速回顾'。它在专业对话中，用于礼貌地解释步骤，如商业或服务场合。语法：用于一般事实的现在简单时。
The first step is to complete the application form.
This introduces a sequence with 'the first step is to' + verb, common for explaining processes. Useful when guiding someone through procedures, like applying for jobs or services. It helps structure instructions clearly.
这引入了一个以 'the first step is to' + 动词 的序列，常用于解释过程。在指导某人完成程序时有用，例如申请工作或服务。它有助于清晰地结构化指示。
That's a good question.
A polite way to acknowledge and appreciate a client's inquiry. Use it in conversations to show respect and encourage more questions. It's a common phrase in customer service to build rapport.
一种礼貌的方式来承认并感谢客户的询问。在对话中使用它来显示尊重并鼓励更多问题。这是客户服务中建立融洽关系的常见短语。
For the 'Secure Future' policy at your age and coverage amount, a basic medical questionnaire is usually sufficient.
This uses conditional structure with 'for' to specify conditions and 'usually sufficient' meaning 'enough in most cases.' Helpful for explaining requirements based on personal details in advice-giving situations.
这使用了带有‘for’的条件结构来指定条件，‘usually sufficient’的意思是‘在大多数情况下足够’。在提供建议的情境中，有助于基于个人细节解释要求。
Once we have all the completed documents and any necessary information, the typical timeline for policy issuance is about 7 to 10 business days.
'Once' introduces a time clause for sequence, and 'typical timeline' describes average time. Useful for setting expectations in processes. Grammar: Future with 'is' for predictions; 'about' for approximations.
'Once' 引入一个用于序列的时间从句，'typical timeline' 描述平均时间。有助于在流程中设定期望。语法：使用 'is' 的未来时用于预测；'about' 用于近似值。
After submission, our underwriting team will review your application.
This shows future actions after an event with 'after' + noun. Common in explaining next steps in formal processes. It uses 'will' for future plans, helpful for procedural discussions.
这展示了使用“after” + 名词来表示事件后的未来行动。在解释正式流程中的下一步骤时很常见。它使用“will”来表示未来的计划，有助于程序性讨论。
I'll also schedule a follow-up call to go over your policy details and answer any further questions.
'Schedule a follow-up' means to arrange a later meeting, and 'go over' means to review. Useful for offering support in services. Grammar: Future 'will' for offers; infinitive 'to' for purpose.
'Schedule a follow-up' 意思是安排一次后续会议，'go over' 意思是审阅。在服务中提供支持很有用。语法：未来时 'will' 用于提议；不定式 'to' 用于目的。