你们看，我根本不需要锻炼，因为我有健康保险。
You see I don't have to exercise, because I have health insurance.
也许你根本不需要保险—或者你可以用更便宜的东西代替。
Maybe you don't need it at all - or can utilize something less expensive.
因为如果你的财务活动很负责，到那个时候，你的资产足以保障你的花销，不需要人寿保险了。 而且你可以把要交的保费拿来做其他事情。
At that point, if you’re financially responsible, your estate should be in good enough shape that your life insurance isn’t necessary, and you can take that premium and do something else with it.
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