保险一般会涉及保险金、保险金额和保险费等术语，明确各自所表示的含义是有必要的。保险金是保险人根据保险合同的约定，对被保险人或者受益人进行给付的金额；或者当保险事故发生时，对物质损失进行赔偿的金额。保险金额，又称为“保额”，是指一个保险合同项下保险公司承担赔偿或给付保险金责任的最高限额，即投保人对保险标的的实际投保金额；同时又是保险公司收取保险费的计算基础。保险费是指当投保人参加保险时，根据其投保时所订的保险费率，向保险人交付的费用。当保险财产遭受灾害和意外事故造成全部或部分损失，或人身保险中人身发生意外时，保险人均要付给保险金。保险费由保险金额、保险费率和保险期限构成。

保险金的英文可以用insurance benefit、insurance money和insurance proceeds表示。

例句1：

原文：

When an individual or business purchases insurance, they are protecting themselves against any adverse situation that could result in a financial loss. The insured pays premiums to an insurance company for this service and as part of the arrangement, the insurance company is liable to payout proceeds against verified claims that the insured files. Insurance proceeds are the monies an insurance company pays to cover any financial loss.

译文：

个人或企业购买保险是为了保护自身免受任何可能导致财务损失的不利情况的影响。被保险人针对此项服务向保险公司支付保费，并且作为安排的一部分，保险公司有责任根据被保险人提出的经核实的索赔支付保险金。保险金是保险公司为弥补发生的任何财务损失而支付的款项。

例句2：

原文：

Conduct a free search with the National Association of Unclaimed Property Administrators (NAUPA): NAUPA has a free tool to locate lost or unclaimed insurance money and other property. Select your state, and you can see if there's a record of any insurance benefits or money owed to you.

译文：

在全国无人认领财产管理协会（NAUPA）免费搜索：利用NAUPA的免费工具，查找丢失或无人认领的保险金和其他财产。选择您所在的州，查看是否有记录显示未向您支付的任何保险金或其他款项。

例句3：

原文：

If you have a family, a business, or others who depend on you, the life insurance benefit of a whole life policy acts as a financial safety net. When you die, your beneficiaries will receive a lump-sum payment that is guaranteed to be paid in full (provided all premiums are paid and there are no outstanding loans). It’s essential protection that you can count on to be there for your loved ones when needed.

如果您有家庭、企业或其他人依赖您生活，终身人寿保险金就是您的财务安全保障。当您去世了，您的受益人将会收到一笔保证全额支付的一次性付款（前提是所有保费已支付，且不存在未偿还贷款）。必要时，可以为您所爱之人提供重要保护，值得您的信赖。

保险金额的英文可以用sum insured/assured、amount insured/covered、insurance amount表示。

例句1：

原文：

Sum insured is the amount of money that an insurance company is obligated to cover in the event of a covered loss. This term is commonly associated with homeowner's or property insurance but can also apply to other types of insurance.

The sum insured correlates directly to the amount of premium you pay, but not always to the property's actual value or asset insured. If the sum insured is less than the replacement value or required amount to rebuild, it is often referred to as underinsurance.

译文：

保险金额是指保险公司在发生承保损失的情况下有义务支付的金额。该术语通常与房主保险或财产保险有关，但也可适用于其他类型的保险。

保险金额与您支付的保费直接相关，但并不总是与受保财产的实际价值或受保资产相关。如果保险金额低于重置价值或重建所需金额，通常被称为不足额保险。

例句2：

(c) requiring ships with a gross tonnage of more than 1,000 to carry a certificate attesting that there is in force in respect of the ship a contract of security satisfying the insurance requirements including the amount insured;

(c) 规定总吨位在1000以上船舶必须持有一份证书，以证明该等船舶具有符合有关保险规定（包括保额）的有效保证合约；

例句3：

(e) empowering the Director of Marine or an institution authorized by him to issue certificates to Shipowners attesting that there is in force a contract of insurance or other security satisfying the requirement on the insurance amount and other relevant requirements of the Bunker Oil Convention;

(e) 赋权海事处处长或获其授权的机构向船东发出证书，以证明其船舶具有符合《燃油公约》所规定的保额及其他相关规定的有效保险合约或其他保证合约；

保费的英文可以用(insurance) premium表示。

例句：

(1) The Authority may require an authorized insurer to take all such steps as are requisite to secure that the aggregate of the premiums—(Amended 12 of 2015 s. 2)

(a) to be received by the insurer in consideration of the undertaking by it during a specified period of liabilities in the course of carrying on general business or any specified part of such business; or

(b) to be received by it in a specified period in consideration of the undertaking by the insurer during that period of liabilities in the course of carrying on long term business or any specified part of such business,

shall not exceed a specified amount.

(1) 保监局可规定任何获授权保险人采取一切必需的步骤，以达致以下保费总和不超逾某个指明的数额——(由2015年第12号第2条修订)

(a) 该保险人在经营一般业务或其中任何指明部分业务的过程中，以在指明期间承担法律责任为代价而收到的保费总和；或

(b) 该保险人在经营长期业务或其中任何指明部分业务的过程中，以在指明期间承担法律责任为代价而在该期间收到的保费总和。

百度百科；

Investopedia；

Insuranceopedia；

https://www.progressive.com/answers/unclaimed-life-insurance-policy/；

https://www.newyorklife.com/articles/six-reasons-to-buy-life-insurance；

www.legco.gov.hk；