One should buy the policies that give the most protection at the least cost, insure the right family members, and consider the family's financial needs.

一个人购买的保单应当以最少的花费提供最大的保护，给合适的家庭成员投保，以及考虑家庭的财务需求。

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When the children are young and depend upon the family for financial needs, families with modest incomes have difficulty providing enough life insurance to protect the mother and the children.

当孩子们年幼时，需要依靠家庭满足财务需求，而收入不高的家庭很难购买足够的人寿保险来保护母亲和孩子。

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As the children become financially independent of the family, the emphasis on family financial security will shift from protection to saving for the retirement years.

随着孩子们在家庭中变得经济独立，家庭经济保障的重点将从保护转移到为退休储蓄。

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But it does provide an opening. The estimated 1.5 million Americans with family in Cuba will now be freer to visit and send financial help to their relatives.

VOA: standard.2009.04.13

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