Term Life Insurance
定期寿险
Buying insurance of any kind is often confusing. In order to compare policies by price, you have to be sure that each policy carries the same benefits for the same amount, and figure in a dozen different factors. It’s enough to set your head spinning in most cases.
购买任何类型的保险通常令人困惑。为了按价格比较保单，您必须确保每个保单提供相同的利益，并考虑多种因素。在大多数情况下，这足以让您感到头痛。
Term life insurance coverage can be relatively easy to comparison shop. It simply covers you in the event that you die before the end of the term for which you are covered.
定期寿险的覆盖范围相对容易比较。它只在您在保单期满之前去世的情况下提供保障。
How Term Life Insurance Works
定期寿险如何运作
Term life insurance will pay out a specified lump sum to the person that you name as beneficiary in the event that you die before the policy expires. The payout is subject to a few exclusions, most often suicide or other self-inflicted conditions.
定期寿险将在您在保单到期之前去世的情况下向您指定的受益人支付一笔特定的赔偿金。赔偿金受到一些排除条款的限制，最常见的是自杀或其他自我伤害的情况。
Other than deciding if you want guaranteed or renewable premiums, there’s no need to worry about other bells and whistles, so comparing policies is a simple matter of comparing premiums among the various life insurance providers.
除了决定您是否希望选择有保障或可续保的保费外，您无需担心其他复杂条款，因此比较保单只需比较不同保险公司的保费即可。
How Much Coverage Do You Need?
您需要多少保障？
The biggest decision you’ll face is how much life coverage you need. The general rule of thumb is that, at a bare minimum, you should provide at least enough to pay off your outstanding debts and cover your funeral expenses. The face value of your policy should cover any remainder on your mortgage and other debts, and provide a cushion to help your family get back on their feet financially after your death. If you have young children, you should also cover your expected annual salary multiplied by the number of years until the youngest is no longer financially dependent.
您面临的最大决策是您需要多少寿险保障。一般的经验法则是，至少应提供足够的金额来偿还未偿债务并覆盖丧葬费用。保单的保额应涵盖您抵押贷款和其他债务的余额，并为您的家人在您去世后提供一定的缓冲，以帮助他们恢复财务稳定。如果您有年幼的孩子，还应覆盖您的预期年薪乘以直到最小孩子不再经济依赖的年数。
What Factors Are Considered in Assigning a Premium?
影响保费的因素
There are a number of factors that may affect how much you pay for your policy aside from the amount of the death benefit you choose. These include your age, your gender, the state of your health and any pre-existing conditions, and whether or not you smoke. Smokers can expect to pay higher premiums than those who don’t use tobacco products
除了您选择的死亡赔偿金额外，还有许多因素可能影响您为保单支付的费用。这些因素包括您的年龄、性别、健康状况和任何已有疾病，以及您是否吸烟。吸烟者的保费通常高于不吸烟者。
Why Should You Buy Life Insurance?
为什么您应该购买寿险？
If you are the major breadwinner or a major contributor to family income, you should be insured. No one likes to imagine what will happen if they die, but it makes sound financial sense. Potentially, your life insurance benefit can mean the difference between your family keeping the home in which you live and losing it to debt if you are no longer able to provide for them. In general, if you are carrying a mortgage, you should carry at least enough insurance to cover the remaining mortgage so that your heirs aren’t left with an ongoing financial impact.
如果您是家庭的主要经济来源或对家庭收入的主要贡献者，您应该投保。没有人愿意想象自己去世后的情况，但这在财务上是合理的。您的寿险赔偿金可能意味着您的家人能否保住您所居住的房子，还是因为债务而失去它。一般来说，如果您有抵押贷款，您至少应投保足够的保险来覆盖剩余的抵押贷款，以确保您的继承人不会面临持续的财务压力。
Tips To Help You Save Money on Life Insurance:
帮助您节省寿险费用的小贴士：
- Only buy what you need
- 只购买您需要的保险
- Get the most appropriate coverage for a mortgage
- 为抵押贷款获得最合适的保障