asigurarea la termen de supravietuire

English translation: term life insurance

GLOSSARY ENTRY (DERIVED FROM QUESTION BELOW)
Romanian term or phrase:asigurarea la termen de supravietuire
English translation:term life insurance
Entered by: Emina Popovici

11:46 Dec 2, 2006
Romanian to English translations [PRO]
Insurance
Romanian term or phrase: asigurarea la termen de supravietuire
Am o lista de tipuri de asigurari de viata, printre care si "asigurarea la termen de supravietuire"
Vreo idee?
Emina Popovici
Sweden
Local time: 16:25
term life insurance
Explanation:
Vezi paragraful acesta:

Term life insurance is not unlike buying insurance to protect your home or car. Like those two products, you purchase term life insurance for a specified period of time. Under term insurance, when the policy runs out, you typically get nothing back.
I say typically because there's a new version of term life insurance that's a lower-cost alternative to permanent insurance. A ``return-of-premium" policy will give you back all the money you paid to cover yourself under a term life insurance policy -- provided you are still alive when the policy's term is up.
REF:
http://www.blackamericaweb.com/site.aspx/finance/lifeins1110...


Şi explicaţia în română:

A.1. Asigurarea de supravietuire se caracterizeaza prin faptul ca asiguratorul se angajeaza sa plateasca asiguratului, la expirarea contractului, suma asigurata, cu conditia ca acesta sa fie in viata.

Aceasta suma se constituie din primele de asigurare platite de asigurat, acumulate in decursul perioadei de asigurare si fructificate prin diferite modalitati de asigurator.

Asiguratul beneficiaza de suma asigurata numai in cazul in care este in viata la expirarea contractului; in cazul decesului asiguratului, asiguratorul se considera eliberat de aceasta prestatie inscrisa in contract si, deci, suma acumulata de asigurat revine de drept societatii de asigurare.In cazul asigurarii de supravietuire cu titlu de renta, suma cuvenita asiguratului la expirarea contractului se plateste acestuia treptat, prin plati periodice cu titlu de renta.

HTH:-)



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Note added at 35 minute (2006-12-02 12:21:39 GMT)
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Eu înţeleg că "return-of-premium" e o variantă a "term life insurance", însă la bază e tot "term life insurance", depinde şi de contextul tău...
Selected response from:

C. Roman
Spain
Local time: 16:25
Grading comment
Multumesc, Consuela!
4 KudoZ points were awarded for this answer



Summary of answers provided
4 +2term life insurance
C. Roman
3term survivorship insurance
Anca Nitu


Discussion entries: 5





  

Answers


31 mins   confidence: Answerer confidence 4/5Answerer confidence 4/5 peer agreement (net): +2
term life insurance


Explanation:
Vezi paragraful acesta:

Term life insurance is not unlike buying insurance to protect your home or car. Like those two products, you purchase term life insurance for a specified period of time. Under term insurance, when the policy runs out, you typically get nothing back.
I say typically because there's a new version of term life insurance that's a lower-cost alternative to permanent insurance. A ``return-of-premium" policy will give you back all the money you paid to cover yourself under a term life insurance policy -- provided you are still alive when the policy's term is up.
REF:
http://www.blackamericaweb.com/site.aspx/finance/lifeins1110...


Şi explicaţia în română:

A.1. Asigurarea de supravietuire se caracterizeaza prin faptul ca asiguratorul se angajeaza sa plateasca asiguratului, la expirarea contractului, suma asigurata, cu conditia ca acesta sa fie in viata.

Aceasta suma se constituie din primele de asigurare platite de asigurat, acumulate in decursul perioadei de asigurare si fructificate prin diferite modalitati de asigurator.

Asiguratul beneficiaza de suma asigurata numai in cazul in care este in viata la expirarea contractului; in cazul decesului asiguratului, asiguratorul se considera eliberat de aceasta prestatie inscrisa in contract si, deci, suma acumulata de asigurat revine de drept societatii de asigurare.In cazul asigurarii de supravietuire cu titlu de renta, suma cuvenita asiguratului la expirarea contractului se plateste acestuia treptat, prin plati periodice cu titlu de renta.

HTH:-)



--------------------------------------------------
Note added at 35 minute (2006-12-02 12:21:39 GMT)
--------------------------------------------------

Eu înţeleg că "return-of-premium" e o variantă a "term life insurance", însă la bază e tot "term life insurance", depinde şi de contextul tău...

C. Roman
Spain
Local time: 16:25
Works in field
Native speaker of: Native in RomanianRomanian, Native in SpanishSpanish
PRO pts in category: 8
Grading comment
Multumesc, Consuela!

Peer comments on this answer (and responses from the answerer)
agree  Marcella Magda
45 mins
  -> Multumesc, Marcela.

agree  Bogdan Burghelea
2 hrs
  -> Multumesc, Bogdan

neutral  Anca Nitu: life insurance= asigurare de viata si atat
7 hrs
  -> Da, insa "term" life insurance, zic eu, este o asigurare cu termen fix (pana la incheierea contractului, cand banii ii revin asiguratului, cu conditia ca acesta sa fie in viata). Poate fi vorba si de o optiune noua -> return-of-premium. ;-)
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8 hrs   confidence: Answerer confidence 3/5Answerer confidence 3/5
term survivorship insurance


Explanation:
Definition

A form of insurance which pays a death benefit only upon the death of the last surviving insured person. Often used by a married couple in estate planning. also called dual life insurance or second-to-die insurance.

asigurarea de viata si de supravietuire sunt 2 chestii diferite
nu stiam ca cea de supravietuire poate fi si la terment dar uite linkurile



    Reference: http://www.mainesec.com/index.asp?menuitemID=12&contentID=28...
    Reference: http://www.investorwords.com/4836/survivorship_insurance.htm...
Anca Nitu
Local time: 10:25
Native speaker of: Native in RomanianRomanian
PRO pts in category: 12
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