為受益人提供資助
Life insurance is an investment that ensures chosen beneficiaries receive monetary compensation when an insured policyholder dies.
人壽保險是一項投資，確保所選受益人在投保人死亡時獲得金錢補償。
insure (v.)投保beneficiary (n.)受益人compensation (n.)賠償金、補償金policy (n.)保單policyholder (n.)投保人
Despite being named “life” insurance, such policies are actually more like “death” insurance, acting as smart long-term investments that provide “peace of mind and financial security” to families and businesses in case something goes wrong.
儘管被稱為「人壽」保險，但這些保單實際上更像是「死亡」保險，作為明智的長期投資，為家庭和企業提供「安心和財務保障」，以防萬一。
act as 起……作用、作為……security (n.)保障job security 工作保障in case 以防萬一、要是……的話
Life insurance policyholders pay premiums for certain amounts of coverage.
人壽保險的投保人支付保費以獲得特定的保障金額。
premium (n.)保費coverage (n.) （保險的）保障範圍、保障額度
Each individual who buys a policy is evaluated based on factors including age, gender, overall health, and tobacco consumption among others.
每個購買保單的人都會根據年齡、性別、整體健康狀況、吸菸等因素被評估。
consumption (n.)吃、喝、消費、消耗alcohol consumption 飲酒
Initial premiums do not usually increase over the duration of the policy; however, if a policy owner shows improved health, their risk level as well as premiums may decrease.
初始保費通常在保單期限內不會增加；然而，如果投保人健康出現改善，他們的風險程度以及保費可能會降低。
Generally, life insurance comes in two main varieties: term and permanent.
一般而言，人壽保險有兩種：定期保險和終身保險。
come in 有（種類、規格……）term (adj.)定期的
Term life insurance is the more temporary of the two.
定期壽險是兩者中較短暫的。
It can usually be purchased in 10-year increments, with common terms being 10, 20 or 30 years.
通常可購買保期間的級距為 10 年，常見的保期為10、20或30年。
increment (n.)增加、增長
Permanent life insurance, on the other hand, lasts for the policyholder’s whole life as long as their premiums are continually paid.
另一方面，終身壽險只要保費持續支付，就可以為投保人提供終身保障。
last (v.)持續
Owning life insurance can be a crucial part of financial planning by accruing money that can be borrowed during one’s life, while also providing for beneficiaries after a policyholder’s death.
擁有人壽保險是財務規畫很關鍵的一部分，因為可以在投保人的一生中累積可以借用的資金，同時在投保人過世後為受益人提供資助。
accrue (v.)累積、逐漸增加provide for sb. 為（某人）提供生活所需
This means that surviving family members, including spouses and children, will have monetary help in the future, while businesses will be safeguarded against the effects of losing key employees.
這意味著還活著的家庭成員，包括配偶和子女，將在未來獲得財務援助，而企業將免於因失去關鍵員工而受到影響。
monetary (adj.)金錢的、貨幣的、金融的safeguard against sth. 避免、預防
Therefore, life insurance is an indispensable long-term investment for those wanting financial coverage that can provide returns beyond their own lifetimes.
因此，對於希望身後也能獲得財務保障的人來說，人壽保險是不可或缺的長期投資。
indispensable (adj.)必需的、必不可少的