There are also survivorship policies that will pay, for example, the second to die-- there would be a policy if a husband and wife get it, then it pays out when the second of them dies.

还有一种叫做生死两全保险,它会向身故受益人赔付直至其死亡,若一对夫妻购买这种保单,且其中一方死亡,那么它会给活着的一方赔付直至其死亡

金融市场课程节选 : 耶鲁公开课