How to Choose the Best Life Insurance如何选择最好的人寿保险
Family means responsibility.家庭意味着责任。 So, when we have family, it’s our responsibility that their life will be taken care of if something bad happens to us.所以，当我们的家庭，这是我们的责任，他们的生活将得到照顾，如果不测给我们。 We, of course, don’t expect something bad to happen.当然，我们并不指望什么坏事发生。 But for the sake of our family, then we need to be paranoid; the fact is there are so many accidents and diseases out there, and we are not to just ignore and assume that it’s impossible for those bad things to happen to us.但是，为了我们的家庭，那么，我们需要偏执;事实是有这么多的事故和疾病在那里，我们不能置之不理，并认为这是不可能的那些坏事发生在我们。
Life insurance人寿保险 is one form of that responsibility, the legacy we will leave behind if anything happens to us.是一种形式的责任，我们的遗产将留下在任何情况下给我们。 And for our beloved ones, we have to make sure that we give them the best life insurance there is.和我们敬爱的，我们必须确保我们给他们最好的人寿保险有。 But how to choose the best life insurance, with so many insurance companies offering so many insurance policies and types in the market.但是，如何选择最好的人寿保险，有这么多的保险公司提供这么多的保险政策和各类市场。
The best way is to find one最好的办法是找到一个 online quoting service引用网上服务 and get as many quotes as possible.并获得许多引号的。 After that, we can compare the terms, the premiums, and other conditions.在那之后，我们可以比较而言，保险费，和其他条件。 We must find the one the suits our purposes and financial conditions the best.我们必须找到一个适合我们的宗旨和财政状况最好的。
Before doing anything, we need to understand first about life insurance.在此之前任何事情，我们需要了解的第一生命保险公司。 As an illustration, basically there are two types of life insurance,举一个例子，基本上有两种类型的人寿保险， Whole Life Insurance整个生命保险 and和 Term Life Insurance定期人寿保险 . 。 Whole life is permanent because a whole life policy provides life-long protection and is guaranteed to do so by the insurance company, while in term life we pay a premium for a period of time (the term) from one to thirty years and if we die during that time the insurance is paid to the beneficiary.全体生活是永久的，因为整个生活政策提供终身的保护和保证这样做的保险公司，而在长期的生活，我们支付溢价一段时间（任期）由一至三十年，如果我们死在此期间，保险公司支付给受益人。 Some term life insurance policies do offer a return of premium.一些长期寿险保单也提供了一个返回的溢价。 If we keep our policy for the term period, at the end of that time whether 15, 20 or 30 years, the life insurance company that issued the insurance with the return of premium policy, returns the entire premium that we paid for the insurance.如果我们保持我们政策的期限结束时，时间是否15年， 20年或30年来，寿险公司签发的保险的保费返还的政策，回报整个的溢价，我们支付了保险。
Choose wisely before getting any life insurance.明智的选择面前得到任何人身保险。 After all, we only want the best.毕竟，我们只想要最好的。
