Term life insurance policies cover a specific period, often 10, 15, 20, or 30 years.

定期壽險的保單涵蓋特定期限，通常為 10 年、15 年、20 年或 30 年。

若被保險人在保險期間內身故，保單將向受益人支付預定的身故賠償金。

If the insured person dies during the term, the policy pays a predetermined death benefit to the beneficiaries.

Term life insurance generally has lower premiums than permanent life insurance because it doesn't accumulate cash value.

定期壽險的保費通常低於終身人壽保險，因為它不累積現金價值。

Unlike permanent life insurance, term life insurance does not build a cash value component that can be borrowed against or withdrawn.

與終身人壽保險不同，定期人壽保險不包含可用於抵押或提取的現金價值部分。

一些定期人壽保險提供在保險期結束時續保的選項，但保費通常會更高。

Some term policies offer the option to renew the policy at the end of the term, often with a higher premium.

部分定期壽險保單無需體檢即可轉換為終身壽險保單，但保費可能會更高。

Some term policies can be converted to a permanent life insurance policy without a medical exam, although the premium will likely be higher.