term insurance policy

Term insurance is substantially cheaper per month, enough so that it's worth cashing in the other policy, removing the cash value, and instead start a term policy.

定期寿险的每月支出便宜非常多，所以更应该把别的保单里的现金价值取出来，来购买新的定期寿险。

If you have dependents who rely on you, you ought to have life insurance, but ignore any salesperson who tries to sell you anything other than a term policy.

如果你有依靠你的家属，那应该买份人寿保险，但别理睬任何想卖给你其他保险的销售人员。