美国保险公司现在利用替代收入核查办法向非传统工人提供终身人寿保险。 U.S. insurers now offer term life insurance to non-traditional workers using alternative income verification.

一些美国保险公司现在为没有传统收入文件的个人(如自营职业者或自由职业者)提供终身人寿保险选择。 Some U.S. insurers now offer term life insurance options for individuals without traditional income documentation, such as self-employed people or freelancers. 这些政策往往依靠银行对账单、报税单或资产评估等替代性核查方法来评估风险。 These policies often rely on alternative verification methods like bank statements, tax returns, or asset assessments to evaluate risk. 虽然保险范围和保险费可能各有不同,但这一转变反映了行业日益努力扩大非传统工人获得人寿保险的机会。 While coverage terms and premiums may vary, the shift reflects growing industry efforts to expand access to life insurance for non-traditional workers.