A:Well, this is simply your responsibility to the family. 这是参照你对家中的责任而定, That is your total mortgage amount that you incur in the future, no matter whether you are here or not. 这是你将来总共要支付的按揭支付. I believe you don't want your wife to lose the flat 我相信你绝不希望你太太失去这房子 and lead a hard life if something happened to you. 及过着困苦的生活, 如果有什么事情发生在你身上 D:I love my wife, 我爱我的太太. but she has a good and stable job and she can take care of herself it something happened to me. 但她有一份安定的工作就算我有任何事发生, 她也可以照顾自己. A:I understand.That's why you can reduce the coverage accordingly. 我明白. 所以你可以将保额降低, You should at least insure half of the loan that you owe the bank. 最起码要足够支付银行贷款额的一半.
