I'm wondering if I should cancel the policy and get the cash value out of it to apply to my debt snowball, but the kicker is that I am not insurable for term life insurance.

我在想是否应该取消这个保政策， 取出现金价值来还清我的债务雪球，问题是我现在无法投保定期寿。

That could be critical if you need life insurance, but may not be insurable due to a significant decline in your health.

你需要人寿保，由于健康状况显而可能无法投保，这一点就至关重要了。

And right now I'm worried and my neighbors are worried that even if we rebuild, is it even insurable?

而现在我担心， 我的邻居们也担心， 即使我们重建了，它还能获得保吗？

You're not insurable for any life insurance if you're not insurable for term.

你无法投保定期保，那么你就无法投保任何寿。

You always need to be in touch with Zander Insurance and get term life insurance, and you need 10 to 12 times your income on you if you're insurable.

你应始终与Zander保公司保持联系， 并购买定期人寿保。你符合投保条件， 你的保额应是你收入的10到12倍。

Okay so yeah you're not insurable then is what it amounts to.

好吧，这么说你就是不可保了。