Term Life Insurance定期人寿保险

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Term Life Insurance is one of the purest forms of life insurance in the sense that it provides a level death benefit in exchange for a premium.定期人寿保险是一个纯粹的形式的生命保险的意义，它提供了一个级别死亡抚恤金，以换取保险费。

Death benefits for term life insurance are traditionally level, neither increasing nor decreasing over the term of the policy.死亡抚恤金的长期寿险是传统水平，既不增加，也不减少的长期政策。 This is in contrast to mortgage life insurance where the death benefit declines with your mortgage balance, or universal life insurance where the death benefit may increase over time with the investment portion of the contract.这是相反的按揭人寿保险而死亡抚恤金下降与您的贷款余额，或普遍的人寿保险受益的死亡可能会随着时间而增加的投资部分的合同。

Premiums are also normally level for the the term of the policy.保费也通常水平的长期政策。 Term life policies are normally categorized by the duration that premiums are projected to be level.长期生活的政策通常是按时间的保费预计的水平。 Ten, twenty and thirty year term polices are all common, with the premiums for the policy being level for 10 years, 20 years, or 30 years respectively.十，第二十四和三十年长期的政策都是共同的，而保费的政策水平10年， 20年或30年。

While in most cases the face amount of the policy will be guaranteed for the term, the premium may not be fully guaranteed.虽然在大多数情况下，面对大量的政策将保证为来看，溢价可能不会得到充分保障。 For example while many ten year term policies will also guarantee that the premiums will remain level for the full ten years, in other cases companies will agree to guarantee the premiums for only five years, after which time the premiums are only projected to be guaranteed - but may be increased or decreased by the company.例如，许多十年的长期政策也将保证保费水平将继续为全面十年来，在其他情况下，公司将同意保证保费只有5年之后，当时只有保费预计将保障-但可能会增加或减少公司。

When shopping for level term life insurance policies, one should also consider the renewal premiums available at the end of the term.购物时的水平长期寿险保单，一个也应考虑延长保费可在结束任期。 In the event that you are uninsurable at the end of the term you may be forced to retain your current policy at which point these renewal premiums will become very important.如果你是不可予以保险在年底任期您可能会被迫保留您的现行政策，而此时这些续期保费将成为非常重要的。 Some companies will offer another level term period without underwriting, others will provide a schedule of future premiums that increase every year.有些公司将提供另一层次期内不承保，另将提供一个时间表，今后的保险费逐年增加。 These annually increasing renewals can quickly become unaffordable leaving the uninsurable with a tough choice - continue without insurance or pay the higher premiums every year.这些每年可以增加更新很快成为负担不起离开不可予以保险与艰难的抉择-继续无保险或支付更高的保费每年。 A situation like this is one example of why even informed consumers should deal directly with a knowledgeable life insurance agent who can provide guidance on the vast array of term life insurance products in the marketplace.这种情况就是一个例子，为什么即使告知消费者应该直接处理知识的保险代理人的生活谁可以提供指导，对各种各样的长期寿险产品在市场上。

Term life insurance makes sense for consumers looking to provide protection for mortgages, to maintain your family's standard of living in the event of the death of a breadwinner, or for shorter duration insurance needs.长期寿险的意义寻找消费者提供保护抵押贷款，以维持你的家庭的生活水平在事件中死亡的养家糊口，或为期限较短的保险需求。

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