定期壽險 (Term Life Insurance) 提供特定期間內的保險保障，期間結束後不再有保障。
Provides coverage for a specific period, ending after the term.
終身壽險 (Whole Life Insurance) 終身有效，並具現金價值累積。
Valid for life, with cash value accumulation.
萬能壽險 (Universal Life Insurance, UL) 提供靈活保費和死亡保障，並有現金價值增長。
Flexible premiums and death benefit, with cash value growth.
指數型萬能壽險 (Indexed Universal Life, IUL) 類似萬能壽險，但現金價值與指數市場掛鈎。
Similar to UL, but cash value is linked to index market performance.
投資型萬能壽險 (Variable Universal Life, VUL) 結合萬能壽險和投資，現金價值隨市場波動。
Combines UL with investments, where cash value fluctuates with the market.
