Rob: Young married couples need a general life policy that covers health and accidents. 年轻夫妻需要的是一般寿险，包括医疗及意外险。
Fiona: And that endowment thing? 那储蓄险呢？
Rob: It's normally not the first thing you buy, but since you have it...keep it until it matures. 那通常不是优先购买的项目，不过既然你买了……就继续留到期满吧。
Fiona: So health covers surgeries, treatment costs... 所以医疗险是包括手术费，医疗费……
Rob: ...and more. And accident is for travel and accidental death and dismemberment. ……还有很多。而意外险是包括旅游、意外身故及残废。
Fiona: How grotesque! 真恐怖！
Rob: Perhaps, but it'll give you peace of mind. Do either of you smoke? 也许是，但保险能让人感到心安。你们其中有人抽烟吗？
Fiona: No, why? 没有，为什么这样问？
Rob: That's one of the things that raises your insurance rates. 那是会提高保险费率的因素之一。
Fiona: So, if we do this, will our annual costs be lower? 那么，如果我们签了新合约，每年的费用会降低吗？
Rob: I'm afraid they will be more, but you will both be covered well. 恐怕会提高一些，不过你们两个人都会有完整的保障。
Fiona: Can we change our payment plan, say to monthly or biannually? 我们能不能改变付费方式，例如改成月付或半年付一次？
Rob: Certainly. Mrs. Jin. Since your husband is the sole breadwinner, I suggest he pay a little more for more life coverage. 当然可以。金太太，既然你先生是家庭唯一的经济支柱，我建议他可以买高一点的寿险保额。
Fiona: I'm not so sure... 我不太确定是否需要……
Rob: You said you don't work. What if something happened to him? 你说你没上班。如果他出了意外怎么办？
