You would buy life insurance on both the husband and the wife -you might do different amounts; it's done by families with young children to protect them against the economic cost of the death of one of their parents.

夫妻双方都应该购买寿险,但两份保险的金额可以有所不同,这适用于有小孩子的家庭以弥补,因父亲或母亲去世而带来的经济损失

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that will compensate for less stellar scores or letters of recommendation or whatever in other areas.

这也许能够弥补你在本科成绩，推荐信或其他方面的弱势。

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