消费型定期寿险是一种常见的寿险产品，其特点是保险期间和保障内容相对固定，保费相对较低，且保险期间结束后，保险合同自动终止，保险公司不再承担保险责任。下面将从定义、优缺点等方面介绍消费型定期寿险。

一、定义

消费型定期寿险是指在约定的保险期间内，如果被保险人发生身故或全残，保险公司将按照合同约定的保险金额进行赔偿。如果保险期间结束，被保险人没有发生任何保险事故，保险公司将不会退还所交保费。因此，消费型定期寿险属于一种“消费型”保险，与返还型保险相对。

二、优缺点

保费低：由于消费型定期寿险的保障期限较短，一般为几年到十几年不等，因此保费相对较低，适合经济条件有限的家庭。

灵活性高：消费型定期寿险的保障期限和保障内容可以根据需要自行选择，非常灵活。

不存在退保损失：由于消费型定期寿险的保费属于一次性消费，不存在退保的情况，因此也不会产生退保损失。

保障时间短：消费型定期寿险的保障期限较短，一旦保险期间结束，保障就没有了。

续保问题：由于消费型定期寿险属于短期保险产品，因此存在续保的问题。如果被保险人的健康状况发生变化或年龄超过最高承保年龄，可能无法继续购买该产品。

In English, the definition of "Consumption-type Term Life Insurance" is similar to that in Chinese. It refers to a life insurance product that has a relatively fixed insurance period and保障内容, with relatively low premiums. If the insured person survives the insurance period without any insurance event, the insurance company will not refund the premiums paid. Therefore, Consumption-type Term Life Insurance is a kind of "Consumption-type" insurance, which is different from the returnable type.

The advantages and disadvantages of Consumption-type Term Life Insurance are as follows:

Low premiums: Because the insurance period of Consumption-type Term Life Insurance is relatively short, generally ranging from a few years to decades, the premiums are relatively low, which is suitable for families with limited economic conditions.

High flexibility: The insurance period and coverage content of Consumption-type Term Life Insurance can be chosen according to needs, which is very flexible.

No refund loss: Since the premiums for Consumption-type Term Life Insurance are one-time consumption, there is no refund situation, so there is no refund loss.

Short protection time: The insurance period of Consumption-type Term Life Insurance is relatively short, once the insurance period ends, the protection is over.

Renewal issues: Since Consumption-type Term Life Insurance is a short-term insurance product, there are renewal issues. If the insured person's health status changes or they exceed the maximum age for underwriting, they may not be able to continue purchasing the product.