你的財務安全網！
To many, financial planning only involved depositing money in the bank or investing in the stock market.
對許多人來說，財務規劃只是將錢存入銀行或投資股市。
involve(v.)包含=includedeposit(v.)(在銀行或保險箱中)存放;存(錢)withdraw(v.)提領;提款
However, wealth management experts recommend all healthy financial plans also include insurance policies.
然而，財富管理專家建議，健康的財務規劃應包括保險，以提供全面的保障。
wealth management財富管理expert(n.)專家expertise(n.)專業知識policy(n.)保單
The role of insurance is to safeguard against life’s unexpected events.
保險的角色在於為生活中的意外事件提供保障。
safeguard against...防範～unexpected(adj.)意料之外的unexpected events突發事件
Concerning financial planning, insurance policies can act as a safety net to protect personal wealth and provide financial security for loved ones in case of unforeseen circumstances.
在財務規劃中，保單可以作為安全網，不僅保護個人資產，還能在突發情況下為家人提供財務保障。
concerning(prep.)關於=regarding=with regard toin terms of...就～而言act as充當;當作=serve as=function asloved one親人;家人in case of倘若發生、萬一發生unforeseen(adj.)無法預見的、意料之外的foresee(v.)預見;預知;預料
Four of the most popular types of insurance are health, life, homeowner’s and automotive.
最常見的四類保險分別是健康保險、人壽保險、房屋保險與汽車保險。
type(n.)種類=sort=kind
Each one of these insurances offers different types of protection.
每種保險提供不同類型的保障。
For example, health insurance can help pay for emergency medical treatment, and life insurance can provide money for the policyholder’s family in the event of their death.
例如，健康保險可協助支付緊急醫療費用，而人壽保險則可在投保人身故時，為其家人金援。
for example舉例來說;例如=for instanceemergency(n.)緊急情況;不測事件;突發事件in the event of倘若發生、萬一發生
Meanwhile, homeowner’s insurance and automotive insurance can help pay for accidental damage to one’s house and vehicle.
同時，房屋保險與汽車保險則能減輕房屋與車輛意外損壞所帶來的經濟壓力。
meanwhile(adv.)同時=in the meantime
Such monetary benefits make purchasing insurance policies essential elements of any comprehensive financial plan.
這些保險各有不同的保障功能，為全面財務計劃中的重要元素。
monetary(adj.)貨幣的;金融的essential(adj.)必要的;關鍵的=critical=crucialcomprehensive(adj.)全面性的
Luckily, adding insurance as an extra layer of financial security to protect one’s long-term finances can be just as affordable as it is practical.
幸運的是，加入保險為個人長期財務安全提供額外一層保障，不僅經濟實惠，而且也很實際。
luckily(adv.)幸運的是=fortunatelylong-term(adj.)長期的short-term(adj.)短期的
This is because most policies can be customized to meet policyholders’ budgets and personal needs.
因為大多數保單都可以客製化，以符合投保人的預算和個人需求。
customize(v.)(按顧客要求)訂製;訂做;客製化
For instance, deductibles and levels of coverage can be adjusted to either increase or decrease the premium paid for a policy.
例如，透過調整自負額與保險範圍，可以增減保費金額。
deduct(v.)減;減去;扣除、deductible(n.)自負額coverage(n.)保險(範圍)premium(n.)保費
Moreover, some types of insurance policies even offer direct financial benefits.
此外，有些類型的保單甚至能直接帶來收益。
moreover(adv.)此外=what’s more
Whole life insurance, for example, allows policyholders to save and invest money as part of the policy to help with retirement planning and education funds for children.
例如，終身壽險除了保障功能外，還可讓投保人儲蓄與投資資金，用於退休規劃或子女教育基金。
whole life insurance終身壽險