人寿保险都有哪几类产品?

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加拿大有近百家人寿保险公司,可谓人寿保险产品百花齐放,但是归根到底,人寿产品分为两大类—期限性人寿保险(Term)和永久人寿保险(Permanent)。

期限性人寿保险是指人寿保险在一定时期内有效,最多保至某个年龄,这个年龄一般为80岁(各保险公司定的年龄可能不一样)。也就是说80岁以后,买不到期限性保险了。购买了期限性保险,就必须一直交保费,停止支付,也就意味着保单失效了。

期限性保险有T10,T15,T20,T30,,T-65甚至T任意。说的是什么意思呢?T10说的是这个产品每10年保费保持不变,每10年续保时都会调整一次价格,可以一直买到投保人80岁为止,其它以此类推。T-65说的是这个产品你可以买到65岁,从你购买之日起到你65岁时保费不变。T任意说的是你可以任选一个时间,比如12年,18年,35年等,那么这个选定的时间内保费不变,当然最多也只能买到你80岁为止。

举个例子,一位男性朋友,40岁,不抽烟,身体健康,购买50万保额的T20,需要的保费约每月55元,付20年后,这位朋友60岁,这份T20可以无条件续保,但是每月需要的保费约为686元。只要他继续支付保费,这份保单则继续有效。等到他80岁时,这份保单则无法再续保了。

永久人寿保险是指人寿保险终身有效。有时也叫终身人寿保险。此类产品繁多,主要分为两大类产品,分红式/盈利报酬式保险和万通式保险。

分红式/盈利报酬式保险,也是我们常说的Whole Life,简单来说,就是一款保终身且有机会收到分红/盈利报酬的产品,保费可选付终身,或15年/20年保证付清(不同公司有不同选择)。这种保险的保费中包含保险成本和投资部分。保险公司将所有购买此类产品的保费投放在一个独立的分红账户里进行统一投资管理,对于所得的红利或盈利报酬,保单持有人可将之进行一次性买断更多的保额(Paid-up Insurance), 购买的paid-up insurance也有机会参与到以后的分红/盈利报酬中去,或将之存放在积存帐号(Accumulation Account)上以便随时取用(可能会涉及税务问题)。随着时间的推移,保单里的赔偿额和现金值都会不断增长,在为投保人提供基本保障的同时,也为投保人在延税的情况下积累财富。

万通式保险,也叫Universal Life(UL),是一款相对灵活的也相对复杂的保终身产品,它是一种能同时满足寿险保障和投资需求的二合一便利保险解决方案。它将人寿保险的基本保障功能与延税增值的投资功能紧密地融合在一起。保费包含保险成本(基本保费)和投资部分(额外保费),投保人可以选择只支付基本保费,也可以选择除了基本保费部分外,再加入额外保费,这一部分就是投保人可以将之进行投资的部分,只要不超过所得税法规定的最大额度,你就不必为投资账户中的任何收益增长而缴税。在保单里投资的项目是由投保人自己选择和决定的。

以上文章仅供参考,不构成具体建议。如果您需要进一步了解购买何种保险产品及相关问题,请联系Leila @416-319-6298

[email protected]


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