定期寿是什么？

中文

定期寿险，简称“定期寿”，是一种人寿保险产品，它在特定期限内为被保险人提供一定数额的死亡保障金。如果被保险人在合同规定的期限内去世，保险公司将按照合同约定支付保险金给受益人；如果被保险人在合同期满时仍然健在，则合同终止，保险公司不支付保险金。

定期寿险通常适用于那些需要一定时期内的风险保障，但又不想承担终身寿险高昂保费的人群。例如，年轻人可能需要购买定期寿险来覆盖其贷款、房贷或其他债务，以确保在不幸去世时，家人能够得到一定的经济保障。

定期寿险的保费相对较低，因为它只提供有限期限的保障。此外，定期寿险的保障金额通常是固定的，这使得被保险人可以根据自己的需求和经济状况选择合适的保额。

然而，需要注意的是，定期寿险只提供死亡保障，不提供其他类型的保障，如健康保障或意外伤害保障。因此，在选择定期寿险时，被保险人需要综合考虑自己的风险需求和财务状况，以确定是否适合购买。

英文

Term life insurance, referred to as "term life" for brevity, is a type of life insurance product that provides a certain amount of death benefit to the insured for a specific period. If the insured dies within the contracted term, the insurance company will pay the benefit to the beneficiary as agreed in the contract. If the insured survives until the end of the contract term, the contract terminates, and the insurance company does not pay the benefit.

Term life insurance is typically suitable for those who need risk protection for a certain period but do not want to bear the high premiums of whole life insurance. For example, young people may need to purchase term life insurance to cover their loans, mortgages, or other debts to ensure that their families can receive some financial protection in the event of an untimely death.

The premiums for term life insurance are relatively low because it only provides limited coverage for a specific period. Additionally, the death benefit amount of term life insurance is usually fixed, allowing the insured to choose a suitable coverage amount based on their needs and financial situation.

However, it is important to note that term life insurance only provides death protection and does not offer other types of coverage, such as health protection or accident protection. Therefore, when selecting term life insurance, the insured needs to comprehensively consider their risk needs and financial situation to determine if it is suitable for purchase.