nonforfeiture provision 不丧失条款；不作废条款

人寿保险单或有关人寿保险单的制定法中所含的一项条款，规定当保险单因被保险人停缴保险费而失效时，对保险单项下已经积存的责任准备金，被保险人有权选择下列一种处理方式：1.作为退保金〔cash surrender value〕以现金形式领取；2.作为一次性缴清的保费，将原保单改为展期保单，即原保单继续生效至该笔保费所能购买的保险期间届满；3.作为一次性保费，将原保单改为已缴清保单〔paid-up policy〕，有效期按该笔保费所能购买的保险期间确定。该词有时也指制定法上的一项规定，即保险人不得签发包含如下内容的保险单：如果被保险人未偿还保单项下的贷款或其利息，保单将作废，被保险人将丧失一切权利，即使其在保单项下包括本金与利息的总债务额仍低于保单的贷款价值〔loan value〕。

Nonforfeiture provision is a provision of life insurance policy, or of a statute applicable to such a policy, whereby a life insurance company is prohibited from issuing a policy which provides for the forfeiture of the same upon failure of the insured to pay a loan on the policy or interest thereon. In the event of the lapse of the policy when it has a reserve value, the insured will be entitled under options as follows: 1) to receive the cash surrender value; 2) to have the insurance policy continue in force for the full amount for such a period of extended insurance as the reserve will purchase; or 3) to have the policy become a paid-up policy for such amount as the reserve will purchase. 具体例句如下，供参考，以加深对该术语的理解：

例句1

A nonforfeiture (sometimes hyphenated) clause is an insurance policy clause stipulating that an insured party can receive full or partial benefits or a partial refund of premiums after a lapse due to nonpayment. Standard life insurance and long-term care insurance may have nonforfeiture clauses. The clause may involve returning some portion of the total premiums paid, the cash surrender value of the policy, or a reduced benefit based upon premiums paid before the policy lapsed.

不丧失条款（有时用连字符连接）是一种保单条款，规定被保险人可以在因不付款而失效后获得全部或部分福利或保费的部分退款。标准人寿保险和长期护理保险可能有不丧失条款。该条款可能涉及退还已付保费总额的一部分、保单的现金退保价值，或基于保单失效前已付保费的扣减福利。

例句2

Select companies offer an annuity option in the nonforfeiture clause, as well. The remaining cash value may be used to purchase an annuity free of commissions or expenses. Annuities pay regular payments as outlined in the contract.

一些公司也在不丧失条款中提供年金选择。剩余的现金价值可用于购买年金，不收取佣金或费用。年金按照合同规定定期支付。

例句3

The nonforfeiture clauses offer consumer protection in the event a policyholder stops paying their premium. Sometimes, a policy expires after a so-called grace period. What if cash as accumulated in the policy? In that case state law forbids companies from keeping the cash and cancelling the policy.

不丧失条款在投保人停止支付保费的情况下为消费者提供保护。有时，一项政策在所谓的宽限期后到期。如果保单中累积了现金怎么办？在这种情况下，州法律禁止公司保留现金和取消保单。

例句4

A nonforfeiture clause is an element found in permanent life insurance policies and long-term care policies. These clauses stipulate that the insured will receive some of the benefits or a refund of their premiums paid if their policy lapses as the result of a missed premium payment.

不丧失条款是永久人寿保单和长期护理保单中的一个要素。这些条款规定，如果被保险人的保单因错过保费支付而失效，被保险人将获得部分福利或已支付保费的退款。