<prompt> Translate the following text to EnglishKwa kuwa fedha hizo ni za kifedha, hazina malipo ya kodi, na zinatoa faida kubwa kuliko CD, na zinatoa maisha ya muda mrefu.  <response>: money that you can touch but its tax deferred and yields a higher rate in general than what we can get in CDs and gets life its a its a term life policy also 