人寿保险是个人与保险公司之间的金融合同。保单持有人支付保费，作为回报，保险公司在被保险人去世时向受益人提供死亡抚恤金。这种安排提供了财务保障，确保在发生意外损失时亲人得到保护。 人寿保险的核心是安全网。它有助于支付丧葬费、未偿债务和受抚养人的持续生活费用等费用。主要目的是在困难时期减轻经济困难。 人寿保险的种类 人寿保险有几种类型，每一种都旨在满足不同的财务需求。最常见的两个类别是定期人寿保险和永久人寿保险。 定期人寿保险 定期人寿保险提供指定期限的保险，通常为 10 至 30 年。如果被保险人在保险期限内身故，受益人将获得身故赔偿。如果保单在被保险人去世前到期，除非保单续保或转换，否则不会支付任何赔偿。 定期人寿通常是最实惠的选择。它非常适合需要在特定时间范围内投保的个人，例如在抚养孩子或偿还抵押贷款时。 永久人寿保险 只要支付保费，永久人寿保险就会提供终身保障。与定期保险不同，它包括随着时间的推移而增长的现金价值部分。保单持有人可以以此现金价值借款，甚至可以根据其累积价值退保。 永久人寿保险有几种子类型： 终身人寿保险：提供固定保费及保证现金价值增长率。 万能寿险：提供灵活的保费和可调整的身故抚恤金。 可变人寿保险：允许将现金价值投资于子账户，类似于共同基金。 永久保险比定期保险更昂贵，但提供长期的财务规划优势。 人寿保险的主要特点 身故赔偿...

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