unearned premium portfolio

unearned premium portfolio　未满期保费组合　

Unearned premiums are portions of premiums collected by insurance companies in advance，but are subject to return to the client if the coverage ends before the term covered by the premium is complete.An unearned premium may be returned when an insured item is declared a total loss，and coverage on that item is no longer necessary.The unearned premium may also be returned if the insurance provider chooses to cancel the coverage for some reason.