几乎是照本宣科的安着培训课的答案来念，你怎么能指望她 能把公司的每一种保险的好处和不好的地方给你解释清楚呢？保险是个长期的事，我的意见是多作调查，自己有个大概的主义后在跟不同的agent谈，这样的好处是你不会很快的陷入别人的圈套里，每个agent都代理好几个保险公司的产品，当然愿意让你买提成最高的产品了，通常来说whole life 的提成最高，universial 其次，term life 最少，买前充分了解每个险种的长处和短处，千万不能耳朵软，搁不住两句劝，我有个朋友面对一个agent 朋友的近12小时的持久战也没有动摇，不容易啊。
Sorry I don't have Chinese input. I found out a 1-800 number of the insurance company I was interested in, then called them.
-hotmailca(newcomer);
2002-2-19{128}(#373121@0)
The insurance company let a broker contact me. At last the broker made me a list of all the insurance companies she represented.
Thanks for all the input guys... One more thing, what is the dufference between agent and advisor?
-rayman(Rayman);
2002-2-19(#373412@0)
only different words. you can think agent = advisor, or broker = advisor.
-icegirl(ice);
2002-2-19(#373417@0)
一般工薪族没必要买 UNIVERSAL LIFE INSURANCE。
Term insurance 加 RRSP 投资是上选。
每年18%的年薪可以投入 RRSP， 而且还有减税的好处。
UNIVERSAL LIFE INSURANCE 是为那些有更多闲钱的人做投资工具用的。
-bigdream(free-eagle);
2002-2-19(#373653@0)
life insurance is different with RRSP. if you are not young, if you are a smoker, if you have not job or only have a lower pay job, Term Insurance is a good choise.
-icegirl(ice);
2002-2-19{71}(#373676@0)
but what is a good time to purchase RRSP, I think depend on your income