How to Choose the Best Life Insurance如何選擇最好的人壽保險
Family means responsibility.家庭意味著責任。 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，當我們的家庭，這是我們的責任，他們的生活將得到照顧，如果不測給我們。 We, of course, don’t expect something bad to happen.當然，我們並不指望什麼壞事發生。 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，為了我們的家庭，那麼，我們需要偏執;事實是有這麼多的事故和疾病在那裡，我們不能置之不理，並認為這是不可能的那些壞事發生在我們。
Life insurance人壽保險 is one form of that responsibility, the legacy we will leave behind if anything happens to us.是一種形式的責任，我們的遺產將留下在任何情況下給我們。 And for our beloved ones, we have to make sure that we give them the best life insurance there is.和我們敬愛的，我們必須確保我們給他們最好的人壽保險有。 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，如何選擇最好的人壽保險，有這麼多的保險公司提供這麼多的保險政策和各類市場。
The best way is to find one最好的辦法是找到一個 online quoting service引用網上服務 and get as many quotes as possible.並獲得許多引號的。 After that, we can compare the terms, the premiums, and other conditions.在那之後，我們可以比較而言，保險費，和其他條件。 We must find the one the suits our purposes and financial conditions the best.我們必須找到一個適合我們的宗旨和財政狀況最好的。
Before doing anything, we need to understand first about life insurance.在此之前任何事情，我們需要了解的第一生命保險公司。 As an illustration, basically there are two types of life insurance,舉一個例子，基本上有兩種類型的人壽保險， Whole Life Insurance整個生命保險 and和 Term Life Insurance定期人壽保險 . 。 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.整個生命是永久性的，因為整個生活政策提供終身的保護和保證這樣做的保險公司，而在長期的生活，我們支付溢價一段時間（任期）由一至三十年，如果我們死在此期間，保險公司支付給受益人。 Some term life insurance policies do offer a return of premium.一些長期壽險保單也提供了一個返回的溢價。 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.如果我們保持我們政策的期限結束時，時間是否15年， 20年或30年來，壽險公司簽發的保險的保費返還的政策，回報整個的溢價，我們支付了保險。
Choose wisely before getting any life insurance.明智的選擇面前得到任何人身保險。 After all, we only want the best.畢竟，我們只想要最好的。
