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.

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。

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If you have dependents who rely on you, you ought to have life insurance, but ignore any salesperson who tries to sell you anything other than a term policy.

如果你有依靠你的家属，那应该买份人寿保险，但别理睬任何想卖给你其他保险的销售人员。

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He believes that the nonforfeiture provisions operated to convert the policy to term insurance when he ceased making payments unless he took affirmative steps to reinstate the original policy.

FORBES: 1099s From Insurance Companies - Don't Ignore But Don't Take At Face Value Either

We believe a plain reading of the terms in the life insurance contract signifies that the policy should have terminated and been converted to extended term insurance on several occasions before 2008.

FORBES: 1099s From Insurance Companies - Don't Ignore But Don't Take At Face Value Either

Wohlner, like many advisors, recommends buying insurance as insurance--meaning a term policy--rather than as an investment.

FORBES: Magazine Article