QUOTE=ovovov;2511958,,,this is not right. do you mind explain why there are so many carrier? why do not compare rbc with unity, empirelife,manulife, and even equitable life...
因为大家在这里谈的是manulife,所以我才提它。至于别的公司有很多,没有必要比了。已经说过10项第一还不够吗? 如果你买一个复杂的产品,大的方面把握住了,就可以了;比如你买汽车,难道你要比齿轮,传送带,方向盘,CD系统,等等等等等吗?这样笔,浪费时间哦。
as you quoted the previous clients:
m 33 n/s f 31 n/s t10 300k
here's what i get:
m 33 n/s t10@21.15
RBC: 16.45f 31 n/s t10@15.21
RBC: 13.54
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if joint(first to die) the premium is 26.19 in total.
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second, why do you not compare how much the client will pay after 10year??do you really care about it?? I care, so i did a research for everyone
after 10 yrs, male client will need to pay for rbc 91.51 and then 196.16/m
female will need to pay 66.08 and 124.67 after 10yrs....
10年之后保费高是因为保险公司不希望你续保,因为TERM保险随着年龄升高会很贵。通常都会考虑终生寿险。如果你需要保障,可以重新申请一个新的POLICY TERM的,比续保还要便宜。这是你不知道的一个内容之一,只有insurance advisor 面谈才有机会告诉你。
另外如果你真的在乎,你可以买20年的TERM,比10年的划算。
if client choose to go for first joint to die, the premum will be 26.19...
same services why not..
joint的一个不利因素是:如果家庭关系婚姻变化,就麻烦;第二个,第一个出事了,理赔了之后,第二个人就没有保障了。需要重新投保,而年龄、健康都变了,保费会贵,而且,有可能不能投保了,等等。=====
其他咨询可查:
http://www.calgarychinese.ca/bbs/cgi...s.cgi?forum=34