If she says no, that doesn't mean she doesn't need it 若她反对, 这并不代表她不需要, and she probably hasn't thought about the future. 只是可能她未想到未来. O3:I don't know if I can afford it in the future. 我不知道我将来是否负担得起. R3:If you think the budget now is okay, 如你现在觉得定额是没有问题的, it's very unlikely that you won't be able to afford it in the future. 你将来不能应付的可能性便很低. As you'll earn more money and get promoted 因为你会升职加薪, you'll probably think that the protection now is not enough 届时你可能会认为现在的保障不够. Moreover, there's a waiver of premium clause which would pay your yearly premium 还有, 保障条款中有一项可以为你提供每年的保费,
