•    Term Life Insurance 定期人寿保险

Term life insurance provides protection for a specified period of time. If you do not currently have life insurance, term can be a good place to start. It’s generally less expensive than permanent (whole) life insurance, and is available in varying time periods with fixed premiums from a one year (annual renewable term) to 20-year (level term) period.

Furthermore, term life insurance is sometimes convertible to permanent coverage, providing you with flexibility as your needs change.

 

•    Whole Life Insurance 终身分红寿险

Whole life insurance is a form of permanent life insurance that remains in force for your entire lifetime, provided premiums are paid as specified in the policy. Whole life insurance can be an investment opportunity, as many whole life insurance policies also build cash value over time.

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•    Universal Life Insurance 万能寿险

Universal life is a form of permanent life insurance characterized by its flexible premiums, face amounts and unbundled pricing structure. Universal life can build cash value, which earns an interest rate that may adjust periodically, but is usually guaranteed not to fall below a certain percentage.

•    Index Universal Life Insurance 指数型万能寿险

Index universal life insurance can help protect a family's standard of living or help fund a child's education in the event of the death of the insured. The policy also offers options to change death benefit amounts or adjust premium payments within certain limitations.

 

什么是人寿保险?

人寿保险保单是被保人和一家保险公司签订的合约。在意外或伤亡事故发生后，保险公司会依据被保人所支付的保费将一定数额的赔款（通常被称为死亡抚恤金）支付给受益人。通常情况下，被保人可以根据自己的需求和实际情况来选择不同的人寿保险。定期人寿保险一般是提供一段时间内的保障。长期人寿保险，比如终身寿险和万能寿险，提供了终生的保障。人寿保险的死亡抚恤金通常是免税的收入。

为什么需要人寿保险?

在意外或伤亡事故发生之后同样可以为家庭成员提供一笔赔偿金，使得家庭成员的生活得到保障。您的家庭成员可以用这笔赔偿金处理后续的房屋贷款，银行负债或作为资金储蓄。这笔赔偿金同样可以作为您小孩的教育基金存入银行账户。这笔赔偿金包括了意外或者伤亡事故的资金支出。我们公司提供了很多不同种类的产品和服务来满足客户的不同需求，同时也尽可能的满足不同市场所需要的要求。我们提供适合各类客户需要的产品及服务﹐包括但不限于﹕

• 万能寿险

• 双人合保万能寿险

• 终身寿险

• 双人合保终身寿险

• 双人合保投资万能寿险

• 定期寿险

• 退费定期寿险

• 长期护理险

• 伤残收入险

• 人寿保险贴现

• 指数型万能寿险

• 固定年金

• 指数型年金

• 单笔头资即时年金

• COLI & BOLI Programs

• 长期看护

• 伤残保险

• 寿险保单贴