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@San Francisco

factors you should consider when buying life insurance products

albertyunyang(albert)
本文发表在 rolia.net 枫下论坛when you buy Life insurance policy, don't just consider price (or in most cases, estimated monthly level payment), there are more than 100 insurance companies in Canada. Since their operating cost, mortality rate for your age group are different, your monthly payment may be as low as $20 from one company for a term policy, and $100 from another one for a Universal Life

You should look at following factors:
1. your annual budget for life insurance (the ideal amount is 2-3% of your gross annual income);

2. talk to a trustworthy agent to decide the right product and right amount of coverage: your agent should do a discovery interview first to decide on the product and amount (you may only need $50,000 coverage for now, so why buying a $200,000 policy)

(generally speaking, there are 3 types of life insurance: term policy, UL and whole life; term is the most basic one and most affordable one; UL contains investment components and investment earnings are not guaranteed; whole life contains a lot of guarantees with good cash value but most expensive one)

3. your risk tolerance level; if you don't want to take risks in terms of investment, choose whole life for a permanent insurance planning, or just choose term policy to get a good coverage not only for you but also for your spouse and children).

if you have any questions, you can contact me at 416-707-3399 or albert.yang@clarica.com (I speak Mandarin and Cantonese, and sorry that I don't have Chinese-inputting software yet, so I can only send you this msg in English)更多精彩文章及讨论，请光临枫下论坛 rolia.net
(#661205@0)
Last Updated: 2002-7-28
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Replies, comments and Discussions:

  • 枫下家园 / 理财投资税务 / 请问各位DX，购买人寿保险，不同的保险公司和银行保险部门的条款和价格会有很大的差别吗？不知主要从什么方面比较？要不就随便找一家算了。 -yuanfei(yuanfei); 2002-7-26 {184} (#658122@0)
    再就是，如果买了universal life的保险，因为人总是要去世的，所以我的受益人肯定会在我不管多久去世后得到一大笔保费的，对吗？这样想想能给后代留下一点财产也不错，至少不要象我们这样白手起家。
    • 建议不要找RBC一类的新起家的保险公司，一定要找象MENULIFE之流的大保险公司，越大越久越保险也还越便宜。还有，最好找几家保险公司多问问，比较一下利弊（公司大小，偿还能力，管理费用，售后服务等等）。。 -sadboy(sadboy); 2002-7-26 {78} (#658136@0)
      另外，买哪一种保险很有讲究，找一个好的经纪，一定会帮你找到最合适你的经济情况的
      • 因此，问题可以从“找哪一个保险公司”转化为“找一个好的保险经纪” -lmx(流氓兔); 2002-7-26 (#658141@0)
        • 呵呵，经纪是关键。保险和买房本来就有相似之处。:-)) -sadboy(sadboy); 2002-7-26 (#658157@0)
        • 前一段看过rolia网上的讨论，感觉好象找保险经纪不如找保险agent -yuanfei(yuanfei); 2002-7-26 (#658191@0)
      • 谢谢！就是不知如何比较公司大小，偿还能力，管理费用，售后服务等等， -yuanfei(yuanfei); 2002-7-26 {118} (#658204@0)
        不知保费会便宜多少？打电话说不清，多找几个到家来问仔细了？好象太耽搁别人的时间了吧，有网友说过，保险推销员时间宝贵啊。
        • 帮我家买保险的MANULIFE Agent是个女的。一点也不强迫, 非常不错。分析的很耐心很透彻。你可以试试. Check your Rolia e-mail. -sadboy(sadboy); 2002-7-26 (#658225@0)
          • 收到了，再次感谢！ -yuanfei(yuanfei); 2002-7-26 (#658240@0)
          • Could you send it to me please? -weber(开悍马不喝酒的令狐冲); 2002-7-26 (#659160@0)
          • Thanks -weber(开悍马不喝酒的令狐冲); 2002-7-28 (#662452@0)
    • we just bought a term life insurance. (it's much cheaper than universal life, since we are so poor now. ^_^). the agent is from Manulife. We though he is good. If interested, we can give you more info. -lusi(丑小鸭); 2002-7-26 {212} (#658185@0)
      BTW, we ever get into contact with one agent from Royal (I forgot the whole name) I don't like him. He was only intrested to sell us the UL, which we couldn't afford at the moment, also the price is quite high.
    • 说的不错，我也是这样理解universal life的。 -guest1(guest); 2002-7-26 (#659130@0)
    • 正好前两天问过一家RBC的.10万保额,供款至100岁,大约保费$32/月,供款至65岁,$37/月,供款20年, $46/月.供完后终生可保. -weber(开悍马不喝酒的令狐冲); 2002-7-26 (#659173@0)
      • 怎么你说的价格那么贵呀，刚才上KANETIX查了一下报价，保10万的话一个月还不到15块钱啊，各个保险公司的价格都这样 -ceo(Chief Eating Officer); 2002-7-27 (#659831@0)
        • 那是term life吧 -westwood(西木头); 2002-7-27 (#659943@0)
          • 估计是,我问的TERM LIFE头10年才$8/月,第二个10年$22,第三个10年$52,第四个10年$168,第5个10年$462/月. -weber(开悍马不喝酒的令狐冲); 2002-7-27 (#659947@0)
        • 价格与您的岁数等因素有关 -fatboy(胖墩儿); 2002-7-27 (#659949@0)
    • factors you should consider when buying life insurance products -albertyunyang(albert); 2002-7-28 {1562} (#661205@0)
      本文发表在 rolia.net 枫下论坛when you buy Life insurance policy, don't just consider price (or in most cases, estimated monthly level payment), there are more than 100 insurance companies in Canada. Since their operating cost, mortality rate for your age group are different, your monthly payment may be as low as $20 from one company for a term policy, and $100 from another one for a Universal Life

      You should look at following factors:
      1. your annual budget for life insurance (the ideal amount is 2-3% of your gross annual income);

      2. talk to a trustworthy agent to decide the right product and right amount of coverage: your agent should do a discovery interview first to decide on the product and amount (you may only need $50,000 coverage for now, so why buying a $200,000 policy)

      (generally speaking, there are 3 types of life insurance: term policy, UL and whole life; term is the most basic one and most affordable one; UL contains investment components and investment earnings are not guaranteed; whole life contains a lot of guarantees with good cash value but most expensive one)

      3. your risk tolerance level; if you don't want to take risks in terms of investment, choose whole life for a permanent insurance planning, or just choose term policy to get a good coverage not only for you but also for your spouse and children).

      if you have any questions, you can contact me at 416-707-3399 or albert.yang@clarica.com (I speak Mandarin and Cantonese, and sorry that I don't have Chinese-inputting software yet, so I can only send you this msg in English)更多精彩文章及讨论，请光临枫下论坛 rolia.net
    • 买人寿保险一定要货比三家，各家差距很大，各有各的蒙人高招。建议阅读ROLLOR的《外行闲谈》。 -rollor(Rollor); 2002-7-29 {347} (#662711@0)
      关于UL的作用，如果你活到八十岁，给你五十岁的儿子留下一笔保费，可以让他避免白手起家吗？

      考虑到人总是要去世的，保险公司总是要赚钱的，你最好算算怎样才能让他们少赚点，你自己多赚点。

      衷心劝告，在你完全明了人寿保险以及个人税务之前，不要买 UNIVERSAL LIFE 或 WHOLE LIFE。

      先买份TERM，等过个两、三年，你对这个社会了解的多了，再考虑终生保险的问题。
    • 找几个不同公司的代理去详细了解,Rolia这里没什么专家,就有一个还是伪的. :) -jzwang(hello); 2002-7-29 (#662846@0)

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