定期人寿保险
(Term)
定期人寿保险适合于某一个阶段暂时性的保障需要。在购买人寿保险时设定一个期限，如10年、20年、30年，等等。如果在受保期间内发生意外，保险公司赔偿所购保额，若无意外，保险公司不再对受保人有任何义务。也可以把定期人寿保险的期限设定至100岁，其条款保证当受保人一百岁依然健在时，可以获得保险赔偿。
定期人寿保险在所有人寿保险种类中最为简单，它没有现金储蓄，没有额外的资金投资，保额不会增值。其特点是，保费开始时相对便宜，手续比较简单，适合短期保险的需要，在到期日可以续保，或在受保期间亦能转换成终身保险，但保费需相应提高。
定期保险适合于暂时不能购买终身保险、或不能全部购买终身保险、或是在一定期间内家庭债务或负担较重，需要比其他时期更大的保额。
定期人寿保险 VS. 按揭保险
当购房需要贷款时，如果贷款人没有人寿保险，银行或借贷款机构通常会要求其购买按揭保险（Mortgage insurance）。一旦按揭贷款人发生意外，借贷款机构会由其保险来支付所欠贷款。
定期人寿保险的作用之一，是替代按揭保险。其最主要的优势在于：人寿保险的受益人是受保人的家人，保险赔偿直接付给投保人的家人，他们可以灵活地使用这笔钱付清按揭贷款，或优先支付其他债务，或选择继续按原先方式付按揭而将大部分款项用于投资或保障家庭未来日常生活的需要。而按揭保险的受益人是银行或借贷款机构，发生意外时，保险赔偿要付给银行或借贷款机构，而不是受保人的家人。
在许多情况下，定期人寿保险可能比按揭保险更为便宜合算。但如果贷款人是吸烟者或体重超重，则不论年龄和性别，最好还是购买按揭保险。
Term Life Insurance
By Empire Life
As the name implies, term insurance is designed to provide coverage for a specific number of years, or 'term'. When term insurance was first introduced to the marketplace, policies would expire at the end of the term or when the insured person reached age 65 or 70. Today, you can find term policies that will insure you until age 100.
The main advantage of purchasing term insurance is the low initial premiums. But you should keep in mind that most term policies have a set renewal period. At the end of this period, you'll need to 'renew' the policy at new premium rates. Since age is a major factor in pricing insurance, the cost of your insurance will most likely increase.
Term insurance can be used to cover a variety of insurance needs, such as a mortgage, personal or business loans or replacement of income after a death, to name just a few. Its real strength is in providing larger amounts of coverage at a lower cost. This can be especially important to a young family with small children where there is a need to provide financial security, at low cost, for the years when the children are financially dependent on their parents.
Term to age 100 insurance was developed in the early 1980s for people who wanted term insurance but who were concerned about losing their coverage at age 65 or 70. By eliminating policyholder access to the cash reserves that build up in a policy over the years, companies were able to reduce the premiums they needed to charge for this type of coverage. Today, due to improved conservation, mortality and lower long-term bond rates, the difference in premium between policies with and without cash and paid-up values has narrowed considerably.
One of the most popular forms of term insurance is 10-year renewable and convertible term. This type of policy will usually provide coverage until age 75. Because the premiums renew every ten years, the initial premiums are quite reasonable and they stay level for ten years at a time. Be sure to look for a guaranteed renewable term insurance plan so that you are guaranteed the right to renew your coverage for another term even if your health has deteriorated.
When considering purchasing a term policy, make sure that it can be converted to a permanent policy without having to re-apply and prove you are still in good health. This convertibility feature can be extremely valuable if you decide you want to keep your term insurance past the specified termination date.
（注：本栏目内容只作为知识性介绍，不承担任何法律义务和责任。具体政策与内容以各个保险公司网站为准。请到 站点链接 访问获取最新详细信息。）
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