With livelihood insurance, a private insurer would pay a stream of income to a policyholder if an index of average income in the insured person’s occupation and region declines substantially. Moreover, this income stream would continue for as long as the index stays down, not just for a couple of years (or any other arbitrary period).
根据生计保险计划，如果被保险人所在职业和地区的平均收入指数大幅度下降，那么私有保险人就将持续向保单持有人支付收入流。此外，指数的低水平持续多久，该收入流就该持续多久，而不仅仅是几年（或其它规定的时间期限）。换言之，本保单可为一辈子的收入风险提供保护。