【中文版】

寿险是一种以人的寿命为保险标的的保险，主要分为生存保险、死亡保险和生死两全保险三种类型。其中，生存保险以被保险人生存为条件，在被保险人达到一定年龄或完成特定任务后给付保险金；死亡保险以被保险人的死亡为条件，被保险人死亡后给付保险金；而生死两全保险则是在被保险人死亡或生存时都给付保险金。

寿险的保障范围广泛，可以满足不同人群的需求。例如，生存保险可以满足人们追求安全和稳定收益的需求，死亡保险可以满足人们希望在不幸身故后给家人留下一定经济保障的需求，而生死两全保险则可以同时满足这两种需求。

寿险产品的种类繁多，包括定期寿险、终身寿险、分红型寿险、万能型寿险等。其中，定期寿险提供一定期限内的保障，终身寿险则提供终身保障，分红型寿险除了提供保障外还可以分享保险公司的经营成果，而万能型寿险则可以灵活调整保额和保费。

总的来说，寿险是一种以人的寿命为标的的保险产品，具有广泛的保障范围和多样的产品种类，可以满足不同人群的需求。在选择适合自己的寿险产品时，需要根据自己的实际情况和需求进行选择。

【英文版】

Life insurance is a type of insurance that takes human life as the insured object, mainly including survival insurance, life insurance, and life and survival insurance. Among them, survival insurance pays the insurance money to the insured after they reach a certain age or complete specific tasks; life insurance pays the insurance money to the insured after their death; and life and survival insurance pays the insurance money to the insured after their death or survival.

Life insurance has a wide range of coverage and can meet the needs of different groups of people. For example, survival insurance can meet the needs of people pursuing safe and stable returns, life insurance can meet the needs of people wanting to leave a certain economic guarantee to their families after an untimely death, and life and survival insurance can meet both needs.

There are many types of life insurance products, including term life insurance, whole life insurance, participating life insurance, and universal life insurance. Among them, term life insurance provides coverage for a certain period of time, whole life insurance provides coverage for life, participating life insurance provides coverage and participation in the insurer's operating results, and universal life insurance provides flexible adjustment of coverage and premium.

In general, life insurance is an insurance product based on human life with a wide range of coverage and diverse product types that can meet the needs of different groups of people. When choosing a suitable life insurance product for yourself, you need to choose based on your actual situation and needs.