O10:I prefer to invest somewhere else. 我宁愿在其他方面投资. R1:I agree with you that some investments can have higher return than insurance, But is it safe? 我同意你认为投资在其他方面比保险的回报高, 但安全吗? You may have time to invest your money on stocks, real estate and other businesses. 你可能有时间投资在股票, 地产或其他生意上, But what if you didn't have time?但万一你没时间又怎样? R2: (if you died...) What would you be investing in? (如你死亡...) 你会投资在哪方面? If you're talking about mutual funds or bank deposits, 如果你指互惠基金或银行存款, they may have a little more gain in value over the years. 它们在数年后可能会升值 But life insurance offers reasonable gain on a guaranteed basis with tax advantage. 但保险保证合理的得益及税务优惠. If you should die,your family would not have to worry about their living. 如你不幸死亡, 你家人不必为生活担忧. There is no comparison For there is no substitute for life insurance. 其他投资是不能代替保险的.
