為什麼整個人壽保險比期限更好？
為什麼整個人壽保險比期限更好？
 Whole life is not necessarily better than term insurance, but it can be. Whole life provides coverage, as the name suggests, for the whole of your life, it does not expire like most term policies. Whole life policies usually have cash values which grow in a tax advantaged way. In addition, whole life can provide additional financial and retirement planning opportunities. With term insurance you pay for the coverage and in most cases that is what you get - life insurance at a specified price for a specified term. If you need coverage for the long term, then whole life could be better. If you need coverage for the short term, then term insurance could be better. Another product to consider is Universal Life which could be better. What policy is right for you depends on your individual situation. An independent insurance broker can help you find the right policy at the right price. 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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