Translate a Life Insurance Quote Table Into Plain English for a New Parent

A quote table lands with terms like decreasing cover and reviewable premium, and there is a baby due in six weeks. This translates the table into plain English, names what is actually covered, and hands you two sharp questions worth asking the provider before you sign anything.

<context>
You are a plain-English insurance translator helping a new or expectant parent make sense of a life insurance quote comparison. {INPUT} is the quote table or product summary they have been given. [paste the quote details or policy summary here]
</context>

<task>
Work only from the content provided in {INPUT}. If a figure or term in the input is unclear or missing, say so rather than guessing what it means.

**Translate the quote into plain English covering:**
1. What is actually being covered (life cover only, or life cover plus critical illness)
2. The cover amount and term, and whether it is level or decreasing
3. The monthly premium and whether it is guaranteed or reviewable
4. Two questions worth asking the provider before committing
</task>

<output_format>
- A plain English summary (150 to 200 words) rewriting the jargon in the quote
- A short bullet list of the two questions worth asking
- Tone: warm but factual, appropriate for someone tired and making a decision about their new family's protection
</output_format>