Which Makes Sense for You: Permanent or Term Life Insurance?
哪种人寿保险更适合您：永久人寿保险还是定期人寿保险？
In a very broad sense, there are two types of life insurance:
在广义上，人生保险分为两种类型：
- Permanent life insurance
- 永久人寿保险
- Term life insurance.
- 定期人寿保险
Permanent life insurance is a type of life insurance that can stay in force for your entire life, as long as you pay your premiums in full. Permanent life insurance usually, but not always, builds cash value for you that you can use for expenses later in life.
永久人寿保险 是一种可以在您整个生命期间有效的保险，只要您按时全额支付保费。通常，永久人寿保险会为您积累现金价值，这些现金价值可以在您后期的生活中用作支出。
On the other hand, term life insurance is only in force for a specified amount of time: usually 10, 15, 20 or 30 years. At the end of the term, your coverage expires and you will need to either convert your policy to a permanent life insurance plan (if available) or purchase a new policy for a new term. The advantage of term life insurance is that it's somewhat less expensive than permanent life insurance.
相对而言，定期人寿保险 仅在特定的时间内有效：通常为10年、15年、20年或30年。到期后，您的保障将失效，您需要选择将保单转换为永久人寿保险计划（如果可用），或购买新的定期保单。定期人寿保险的优势在于其相对较低的成本。
Which is right for you?
哪种保险适合您？
The answer depends on what you’re trying to accomplish by having a life insurance policy. Are you insuring your life so that when you pass away your children will be able to go to college and your spouse will be able to pay off the mortgage? These are temporary concerns and so a temporary form of life insurance - term life - is best suited to address them.
答案取决于您通过人寿保险想要实现的目标。您是否希望为子女的大学教育和配偶偿还抵押贷款提供保障？这些是临时需求，因此定期人寿保险最适合应对这些问题。
However, if you are concerned about providing income to a widow or widower for life, funding retirement, or passing wealth to a future generation then you will find that permanent life insurance is better suited to address these goals.
然而，如果您希望为遗孀或遗孀提供终身收入、资金退休生活或将财富传递给下一代，那么永久人寿保险更能满足这些目标。
Always ask yourself why you need your life insurance policy. If it’s for a temporary goal, then term insurance is probably best. If it’s to address a long-term need or concern, then it’s time to start looking at permanent policies.
始终问自己，您为何需要人寿保险。如果是为了临时目标，那么定期保险可能是最佳选择。如果是为了满足长期需求或担忧，那么是时候考虑永久保单了。