TERM 即定期保险。你付保费（每月十几或几十元），在被保期间，如果你死亡，保险公司给你的家属赔付保险，不用交遗产税。如果你不死，你什么也得不到。保费不是一成不变的，通常是五年或十年涨一次。涨的幅度随主要受经济形式影响而变化。也有的保证不超过一定的涨幅。多数 TERM 是 CONVERTIBLE，即在一定年龄范围内，可以转成 UNIVERSAL LIFE。
UNIVERSAL LIFE 是投资保险。你付保费（每年几千元），保险公司把你的保费扣除行政费用以后，拿出一部分用于投资。在被保期间，如果你死亡，保险公司给你的家属赔付保险，不用交遗产税。如果你不死，你继续交保费，直到你的投资回报可以替你支付保费为止（通常为二十年以后）。然后，你就不用再交钱了，你照样有保险，而且你的保额在逐渐增大。由于历史证明，每个人早晚得死，保险公司早晚都要付这笔钱，所以有的保险公司有一些不同的方式让你可以在死前使用自己的钱，相当于一部分养老金。
一个保险经纪把 TERM 比喻为租房，把 UNIVERSAL LIFE 比喻为贷款买房。同样是交钱，前者交完就完了，后者最后可以获得一座房子。
但我认为，UNIVERSAL LIFE 相当于买了 TERM 的同时让保险公司帮你投资（免税增值），你其实也可以用这笔钱去买 RRSP 或别的投资（要考虑税的问题）。
Will call you after "Friends". thanks
-yellow(yellow);
2001-3-5(#30473@0)
I got my term plan from Manulife. 我把经纪人给我的例子告诉你：某男与妻子，35岁以下身体健康不吸烟。一人保20万，另一人10万，10年term，共25元每月（保费十年后更新）。
-rolling(Rollor);
2001-3-5(#30464@0)
I only paid $63 every 6 months for $500K 10 years term Life Insurance
-guest:;
2001-3-6(#30601@0)
From whom? How old are you? Is it convertible? Explain more, please.
-rolling(Rollor);
2001-3-6(#30668@0)
from a huge insurance company, 33 years old
-guest:;
2001-3-6(#30903@0)
Could you tell me the name of the insurance company? Our company has group optional term insurance, for 30-34 male no smoker 7c/1000,female 4c/1000, yours is even cheaper than group .
-yangyang1229(yangyang1229);
2003-2-7(#1026560@0)
haha... i saw someone to be a broker for 5 yrs, and now, they do some business in china. how to get enough money? and how to serve with clients?
-guest:;
2001-9-1(#187274@0)
As far as know, at least 60% for investment advisers or insurance agents. So
-altavista(onfocus);
2002-1-3{185}(#321502@0)
Watch your wallet as you essentially support them in additon to your family, especially for investment adviser since there are not too many way to buy insurance, but many ways to invest
Savvy investors could normally handle their money if they spent a lot time to study and research info.
-altavista(onfocus);
2002-1-3{92}(#321506@0)
Investment advisers tend to recommand the products with highest commission, not suitability.
Could anybody tell me if the insurance company bankrupted, then what will happen to these term insurance, whole life or universal... Thanks
-huan321(huan);
2001-8-29(#184142@0)