你已经有积累了现金价值的终身寿险保单了?
Generally after the first year, the policy begins to increase cash value.通常在第一年之后,保险单就会开始增加现金价值。
This is insurance that you pay each year for insurance in that year and it does not build a cash value.为了这种保险可以持续生效,你每年都要缴纳保费,保费不产生现金价值