从实证的角度验证了农村居民人身保险需求的影响因素，提出了提高农民人身保障水平的政策建议。
It proofs the impact factors of rural residents' personal insurance needs from empirical, and proposes the policy of improving the level of rural residents' personal security.
我们不需要按揭保险，因为我们有足够的人身保险，以应付未来需求的情况一人及格。
We don't need mortgage insurance because we have adequate life insurance coverage to meet any future needs in the case of one of us passing.
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