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问题: It covers you if you die

B; I can terminate my life insurance policy when I retire and use the money as a pension.
A; that’s one of the conditions of my policy too. It covers you if you die before you retire and when you retire.
请问:It covers you 是什么意思?

解答:

cover,用保险保护,保障
it covers you,寿险会保护保障你