听保险agent说,人寿保险,终生的,都有投资的成分,所以价

[baby_yan]

我的建议是，BUY TERM AND INVEST THE DIFERENCE。 因为保险确实只是一段时间的需要，我们叫做INCOME PROTECTION， 一般是有了家庭：孩子成长需要花钱，而买了房子之后需要有保险来保障在万一情况下，房子能保住；有时也是身兼了赡养父母的责任。保险确切的说是不是保护自身，而是保护自己所爱的人。希望无论在什么情况下，她们的生活质量都能得到保证。而不是 make next generation wealthy.

TERM 和 WHOLE LIFE 在保费上有很大的区别。只要懂得保费的算法，就很容易理解了。但有些AGENT 会承诺只要支付20年的保费，便可保终生。相信我，拿到POLICY后仔细阅读。她们在跟客户玩文字游戏。 因为，100% 的受保人在拿到POLICY 后是不会自己阅读的。而所知道的只是听到AGENT说的(说的，以及中文的文件在加拿大都不受法律保护)。 你会看到不是只要支付20年，而是最少20年。 一般会在POLICY上找到，你需要支付到你100岁的那年。

把省下来的钱用于投资，在20年后，你帐户里的钱要远远多于你需要的保费。 这是我的经验。如果需要，我可以帮有兴趣的做一个免费的个人分析。 而后你会很确切的知道，你需要怎么做

[baby_yan]

看过的垃圾POLICY太多了，真的希望有保险需求的朋友能做出明智的选择。 Really you can pay reasonable premiun to protect yourself at a certain period of time, meanwhile you can save the difference for your future.

For example. for average family , husband and wife buy whole life, let's say around $200-$300 per month. when they hit the time for retire, what they have is only insurance.

but how about pay let's say half for the insurance and invest the other half for the rest of 30 years. I believe, what you have in your account is gonna be much more than your insurance coverage which you do not have chance to use at all. Cause money's commpound increase is totally out of you can image.

Please. when you decide buy, do the math. cause you rather put money in your own pocket than other person.

[baby_yan]

有人喜欢ALL-IN-ONE的保险，即保险，存钱(投资)放到一起。 仔细想想，这样一个简单原则：一个POLICY只能有一个选择，要么选择保险，如果同时真的想用到这里面的存钱，翻开你的POLICY看看，叫POLICY LOAN，而且利息还不知道。意思是你拿自己的存钱要付利息。 如果不想付利息，那么把存钱拿出来的同时，保单也就做废了。 我还真没有看到过两全其美的ALL-IN-ONE POLICY。 基本上是，只需要看到一半，买保单的人就已经是痛心疾首了。赚钱不容易，真正做到 SPENT INTELLIGENT 也不容易。 PEOPLE NEED TO BE EDUCATED。THAT IS WHAT I AM REALLY THINKING。

[baby_yan]

建议买TERM

Nobody plan to fail, they are fail to plan.

In the industrial. Insurance is the most important part of financial planning. It is not me or you to say how much insurance you should have. It is your situation, and your needs say how much, and how long.

Please plan ahead.

[baby_yan]

Insured has the very right to read the policy before sign. I do not know which agent you have met. But luck you did not sign.

And the agent suppose to explain every thing in the policy as well.

[baby_yan]

If you find I maybe help, give me a call. 416-272-0302