Term Life Insurance

定期寿险
Term Life insurance is life insurance that you pay for during a specified length of time or term – generally one to 30 years. You select the amount of the death benefit or face amount to meet your needs.

定期寿险是一种在指定时间内（通常为1到30年）支付的寿险。您可以选择适合您需求的死亡赔偿金额或保额。

Premiums, or payments, which can be the same amount or increase with time, must be made monthly, quarterly, semi-annually, or annually. If you die during the term of coverage, the face amount of your policy will be paid to your beneficiaries. Term insurance policies do not accumulate cash value and therefore usually offer lower premiums than other life insurance products with the same face value.

保费可以是固定金额，也可以随时间增长，需按月、季度、半年或按年支付。如果您在保险期内去世，保险金额将支付给您的受益人。定期保险政策不累积现金价值，因此通常与其他具有相同保额的寿险产品相比，保费较低。

Universal Life Insurance

万能寿险
Universal Life is permanent insurance that has the potential to accumulate cash value. However, it offers additional features and options. For example, you can increase or decrease your policy's face amount to accommodate your changing protection needs. You can also increase or decrease the dollar amount of your premium payments and make additional lump sum payments to your policy. Since a Universal Life policy accrues cash value, you can borrow against this cash value for any purpose.

万能寿险是一种永久性保险，具有积累现金价值的潜力。它还提供额外的功能和选项。例如，您可以根据不断变化的保护需求增加或减少保单的保险金额。您也可以增加或减少保费支付的金额，并向保单支付额外的 款项。

You have the option to skip premium payments if your account has accrued sufficient value because the premiums will be taken from the accrued value. A Universal Life policy also has the potential to earn a higher rate of return than a whole life policy, although there is a risk that your rate of return could drop.

由于万能寿险保单会积累现金价值，您可以根据需要借用这部分现金价值。您还可以选择跳过保费支付，如果您的账户已经积累了足够的价值，因为保费将从累积的价值中扣除。万能寿险保单的回报率有可能高于终身寿险保单，尽管也存在回报率可能下降的风险。

Whole Life Insurance

终身寿险
Whole Life Insurance is life insurance that you own for your entire lifetime. The amount of the death benefit or face amount can be selected to meet your needs.

终身寿险是一种您终身拥有的寿险。您可以选择适合您需求的死亡赔偿金额或保额。

Premiums, or payments, are fixed and can be paid monthly, quarterly, semi-annually, or annually. As more premiums are paid, your policy accumulates a cash value that grows on a tax deferred basis. In essence, whole life is like buying a house versus renting it. The monthly cost is higher than it would be for a term life policy, but with each payment you make you gain equity. You can borrow against a Whole Life policy for any purpose. Loans, however, require you to pay interest and any borrowed amount you do not pay back is deducted from the payout to your beneficiary at the time of your death.

保费是固定的，可以按月、季度、半年或按年支付。随着保费的支付，您的保单会累积现金价值，并以递延税的方式增长。实际上，终身寿险就像购买房屋而不是租房。每月的费用高于定期寿险，但每次支付都会增加您的权益。您可以为任何目的借用终身寿险保单的现金价值。然而，贷款需要您支付利息，任何未偿还的借款金额将在您去世时从支付给受益人的赔偿中扣除。

Final Expense Insurance

最终费用保险
Your family means the world to you. The last thing you want is to leave them with major expenses after you’re gone. Final Expense insurance is life insurance that helps provide the money they may need to pay medical bills, funeral expenses, legal fees or unpaid bills. It is an insurance policy that lets you decide how your assets are distributed. By planning ahead, you can help protect your loved ones from unnecessary financial stress when you die. And, you can distribute your assets in the manner you decide!

您的家人对您来说意义重大。您最不希望的就是在您去世后给他们留下巨额开支。最终费用保险是一种寿险，帮助提供他们可能需要的钱来支付医疗账单、丧葬费用、法律费用或未支付的账单。这是一种保险政策，让您决定如何分配您的资产。通过提前规划，您可以帮助保护您的亲人免受不必要的财务压力，同时您可以按照自己的意愿分配资产！