定期寿险的每月支出便宜非常多，所以更应该把别的保单里的现金价值取出来，来购买新的定期寿险。
Term insurance is substantially cheaper per month, enough so that it's worth cashing in the other policy, removing the cash value, and instead start a term policy.
你已经有积累了现金价值的终身寿险保单了？
另一大好处是，它允许永久寿险你建立现金价值就是税务递延。
Another major advantage to permanent life insurance is that it allows you to build up cash value that is tax-deferred.
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