定期寿：保障生命，守护未来

中文

定期寿，又称为定期寿险，是一种在特定期间内为被保险人的生命提供保障的保险产品。与终身寿险不同，定期寿的保障期限是有限制的，通常可以是几年、十几年或几十年。这种保险产品的主要特点是保费相对较低，但提供的保障额度却相当可观。

定期寿通常适合那些需要短期或中期保障的人群，例如年轻人、中年人，或是家庭支柱等。对于这些人来说，定期寿可以在他们最需要的时期提供经济上的支持，帮助他们应对因意外或疾病导致的收入损失，确保家庭生活的稳定。

此外，定期寿还常常作为其他保险产品如投资型保险、分红型保险的补充，以满足不同人群对于风险管理和财富增值的需求。

总的来说，定期寿是一种既经济又实用的保险产品，它为人们提供了一种有效的风险管理方式，帮助他们在面对不可预测的风险时，保护自己和家人的生活品质。

英文

Term Life Insurance: Securing Life and Guarding the Future

Term life insurance, also known as term life, is a type of insurance product that provides coverage for the insured's life during a specific period. Unlike whole life insurance, the coverage period of term life insurance is limited, typically ranging from a few years to several decades. One of the main features of this insurance product is its relatively low premium, coupled with a considerable death benefit.

Term life insurance is often suitable for individuals who require short-term or medium-term coverage, such as young and middle-aged adults or family breadwinners. For these individuals, term life insurance can provide financial support during their most vulnerable times, assisting them in coping with income loss due to accidents or illnesses, ensuring stability in their household.

Additionally, term life insurance is often used as a complement to other insurance products, such as investment-type insurance or participating insurance, to meet the varying needs of different individuals in risk management and wealth accumulation.

Overall, term life insurance is an economical and practical insurance product that offers an effective way to manage risks. It helps individuals protect the quality of life for themselves and their families when faced with unpredictable risks.