我應該得到哪種人壽保險？
我應該得到哪種人壽保險？
 What type of life insurance you get depends on what you want the life insurance for and for how long you want / need the coverage. An independent life insurance broker who represents several companies can help you find the right policy at the right price. Here is overview to get you started: Term is insurance is initially the most inexpensive type of coverage. The premiums rise at the end of each term and the policy has an expiry date. Conversion to permanent insurance is usually permitted before a stated age (check contract for details) ,Best for short term needs. Whole life is permanent coverage and usually has a guaranteed level premium. The policy's death benefit could be designed to rise in value, In addition there could be a significant build up of cash value. This type of policy has long term applications in financial, retirement and estate planning. Since the premium is level, it is initially higher than term coverage for the same amount. If cost is a concern a combination of whole life and term can often be an alternative. Universal life can provide permanent insurance coverage. I say can be because it is essentially a whole life policy "unbundled" where you control the amount of premium and the investment options. This flexibility is a double edge sword. If you have further questions, or feel that I could be of assistance, please do not hesitate to contact me. If you would like to work with a local life insurance broker, you could start with a Google search. For example, if you search for: life insurance broker Halifax or life insurance agent Halifax, my name, along with several others, will come up. You can use the same method to find a life insurance broker in your community.
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