中文：

定期寿险是一种人寿保险，是指在保险合同约定的期间内，如果被保险人死亡或全残，保险公司将向受益人支付保险金。这种保险通常被认为是一种比较便宜的保险类型，因为它的保费比较低，而且只保障一段时间，所以比较适合那些需要保障短期风险的人。

定期寿险的保障期间可以是1年、5年、10年、20年，甚至可以自定义。在保障期间内，如果被保险人死亡或全残，保险公司将支付保险金给受益人。如果保险期间未发生保险事故，则保险公司不会退还保费。

定期寿险的保费通常比较低，因为保险公司只需要承担短期内的风险。同时，这种保险也比较容易购买，不需要提供太多的个人信息和健康信息。但是，如果被保险人有健康问题或家族病史，可能会被保险公司拒保或加费。

总的来说，定期寿险是一种比较便宜而且容易购买的保险类型，适合那些需要保障短期风险的人。但是，如果被保险人有健康问题或家族病史，需要谨慎考虑是否购买这种保险。

英文：

Term life insurance is a type of life insurance that pays a benefit to the beneficiary if the insured dies or becomes completely disabled during the period specified in the insurance contract. This type of insurance is generally considered cheaper because the premiums are lower and only cover a certain period of time, making it suitable for those who need to protect themselves from short-term risks.

The coverage period of term life insurance can be 1 year, 5 years, 10 years, 20 years, or even customized. During the coverage period, if the insured dies or becomes completely disabled, the insurance company will pay the benefit to the beneficiary. If no insurance event occurs during the coverage period, the insurance company will not return the premium.

Term life insurance premiums are usually lower because the insurance company only needs to bear the risk for a short period of time. Additionally, this type of insurance is relatively easy to purchase without requiring too much personal information and health information. However, if the insured has health problems or a family history of illnesses, they may be denied coverage or charged higher premiums by the insurance company.

Overall, term life insurance is a relatively cheap and easy-to-purchase insurance type suitable for those who need to protect themselves from short-term risks. However, if the insured has health problems or a family history of illnesses, they need to carefully consider whether to purchase this type of insurance.