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这种情况很常见

ops(ops)

通常是父母负有某些财务上的责任：比如生意，物业，贷款等等。假如父母一方或双方不幸离去，这些生意，物业，贷款等财务责任就会从遗产中支付。倘若资不抵债，以上的生意，物业就可能清盘，造成财产损失。
举例1：
父母向银行贷款买了房子，每月还利息给银行。假如父母因死亡而无法继续供款，银行可能会收回房子。但假如有一份100万的人寿保险，而这笔赔偿又足够还款给银行的话，那么房子就不必被收回去。
举例2：
a与b合伙开公司。a负责制造，b管理销售。假设公司价值100万。
假如a死亡，b损失可能就是整间公司，因为b不擅长制造。如果ab买一份 1st to die 保100万的话，那么无论谁死亡，公司都不会损失。而且这笔保险费可以当公司成本支出。

(#740177@0)
Last Updated: 2002-9-10
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枫下家园 / 理财投资税务 / 我有一个生命保险（Term Life)的实际问题，请各位指点. -magic2000(Magic); 2002-8-15 {404} (#693290@0)
我朋友委托我帮忙为其父母购买合适的Term Life保险，为期十年。
保额为每人一百万加元。请有经验的朋友或业内认识推荐保险公司
和相关产品。另外，请问是否需要做健康检查。谢谢。

我本人可算是财务专家，已经对朋友父母的情况做了大量分析。
他们的目的是主要为了抵抗最近十年的财务风险，并没有投资的考虑。

目前他们身体健康，经济上也不错。

可以回答在这里，或发到我的E-MAIL。
michaeldu2000@hotmail.com

谢谢！

You can get a "special term" from Clarica, the company I represent. Our underwritting department can ustomize a Special term policy for your friend's parents, ....basic info is as follows: -albertyunyang(albert); 2002-8-16 {378} (#697444@0)
the speical term's minimium coverage is $500,000 with term up to 20 years.
It has 3 different plans:
1. It can be a single plan for one person

2. Joint (1st-to-die) life plans: On a first-to-die Special Term policy, in the event of simultaneous death during the convertibility period, the death benefit would be paid out twice

3. Survivor (last-to-die) life plans
http://www.clarica.com/albert.yang

Thanks for your response. Could you help further. -magic2000(Magic); 2002-8-17 {333} (#697730@0)
This is a real case. Could you please explain further the differences among those three plans that you've recommended.

Initially, they told me they want both of them be insured for 10 year term for 1 milllion Canadian Dollars per person. I will get back to them once I hear from you regarding those three plans.

thanks again

I am sending you a word file to your hotmail inbox. -albertyunyang(albert); 2002-8-17 {838} (#698934@0)
Single Plan: it covers one person. For a couple, husband and wife can have their own individual (single) Plan. Clarica pays out death benefit separately if the insured dies. Client can choose to add Waiver of Premium (WP) to the single plan.

First to die Plan: if a couple is insured under the plan, Clarica pays out death benefit once whenever the first death occur to either of them. Client can choose to add Waiver of Premium (WP) to the first-to-die plan.

Last to die Plan: for example, husband and wife set up such a plan. If husband dies first, there will be no death benefit paid out yet. Clarica pays out death benefit once when the wife also passes away.

NOTE: On a first-to-die Special Term policy, in the event of simultaneous death during the convertibility period, the death benefit would be paid out twice.

Check your email please. -myexpert(我的保险专家); 2002-8-18 (#699599@0)
为父母买保险，而且是为了抵御财务风险，我怎么不明白呀，谁能解释解释 -jameschen6(James); 2002-9-10 (#739962@0)

这种情况很常见 -ops(ops); 2002-9-10 {602} (#740177@0)
通常是父母负有某些财务上的责任：比如生意，物业，贷款等等。假如父母一方或双方不幸离去，这些生意，物业，贷款等财务责任就会从遗产中支付。倘若资不抵债，以上的生意，物业就可能清盘，造成财产损失。
举例1：
父母向银行贷款买了房子，每月还利息给银行。假如父母因死亡而无法继续供款，银行可能会收回房子。但假如有一份100万的人寿保险，而这笔赔偿又足够还款给银行的话，那么房子就不必被收回去。
举例2：
a与b合伙开公司。a负责制造，b管理销售。假设公司价值100万。
假如a死亡，b损失可能就是整间公司，因为b不擅长制造。如果ab买一份 1st to die 保100万的话，那么无论谁死亡，公司都不会损失。而且这笔保险费可以当公司成本支出。

你这样一说我就明白了，这和“父母”没有直接联系 -jameschen6(James); 2002-9-22 (#761758@0)

@San Francisco

这种情况很常见

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