并不是只有老年人应该这样做。据政府的统计数据显示，目前年龄在40岁的人中有八分之一都将在65岁前去世。

This means two things.

这意味着两件事。

First: Get life insurance, and disability insurance, if you have dependents.

首先，这意味着如果有人需要你供养的话，你要去投保人寿保险和伤残保险。

Most people have some kind of coverage through work. It is usually desperately inadequate. Both one- and two-income households probably need more. It costs about $250,000 to raise a child for 18 years, according to the U.S. Department of Agriculture. Four years of private college is another $160,000, according to the College Board. Could your surviving spouse cope on his or her own?

大部分人都通过工作多多少少地有些保险。但通常极度不够。单职工和双职工家庭都可能需要更多的保险。据美国农业部的数据显示，将一个孩子养到18岁需要约25万美元。美国大学理事会(College Board)的数据显示，四年私立大学又需要16万美元。如果你去世了，你的配偶一个人能应付得来吗？

Second: It means make a will. If you already have one, make sure it is up to date.

其次，这意味着你要立份遗嘱。如果你已经立过遗嘱，要确保遗嘱是最新的。

Dying intestate -- without a will -- can be catastrophic for the family left behind. And few disasters can be so easily and cheaply prevented.

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