Category 新闻动态

Every individual, at some point in their life, confronts this existential question: “What will happen when I die?” Naturally, there’s no definitive answer, as every person’s life story unfurls differently and predicting the future is an impossibility. But one thing we can control in our uncertain futures is the decision to purchase life insurance – a fundamental aspect of financial planning.

According to a survey by Ipsos-Reid, conducted on behalf of RBC Insurance, seven out of ten Canadians (70%) possess life insurance, while the remaining three (30%) do not. 50% of these Canadians indicated that they individually procured their life insurance, while 25% noted that they have coverage from both their work and personal plans. The remaining 25% declared that their life insurance coverage only came through their workplaces.

Procuring life insurance protects your family and loved ones by providing them with a tax-free payment after your passing. It’s important to note that insurance providers determine your rate based on your unique circumstances and requirements. The cost of the life insurance you personally purchase also depends on various elements: your age; gender; health conditions; medical history; and lifestyle. Below we list the types of life insurance available:

• Term Life Insurance:This type of insurance furnishes a set amount of coverage for a specified amount of time – offering temporary protection that can adapt to meet your evolving needs.
• Permanent Life Insurance:This category of insurance, furnishing lifelong coverage, can also build up cash value over time, depending on the type of permanent life insurance you buy. Some permanent policies even allow you to pay limited-time charges before stopping all payments.
• Participating Life Insurance:This form of permanent whole life insurance permits the policyholder to access a sum of money. This can be channeled toward buying more coverage, reducing annual premium costs, or earning interest within the plan. It is critical, however, to note that dividends are not always guaranteed.
• Universal Life Insurance:Offering a flexible form of permanent life insurance plan that melds protection with savings, Universal Life Insurance guarantees death benefits to your chosen beneficiaries. This signifies that payments made beyond the cost of insurance can grow within a tax-preferred savings account or can be used to amplify the magnitude of your death benefit.

Whether customers are exploring life insurance options, learning about their imminent life policy renewal, or aiming to economize their current policy, understanding life insurance and how a policy works is of utmost importance.

At Oracle RMS, we dedicate ourselves to informing our customers at every step – before, during, and after the policy plan purchase. We assign each customer and client a licensed Oracle Life broker, fully committed to accommodating their life insurance needs. Oracle RMS is devoted to offering the following life insurance services:

• Custom-made life insurance policy that aligns with our customers’ budget and necessities rather than a generic policy.
• Prudent solutions for optimum coverage for all types of life insurance to guide the best possible decision-making.
• Professional, friendly, and responsive customer service from our dedicated brokers and service representatives.
• Ensuring our clients’ peace of mind throughout the entire process – from quotes and renewals to claims.

“保险”，这个词简单的解释就是保障面对风险。但它并不能阻止风险的发生，它的实质在于：当风险发生时，为我们提供援助和保障。

保险遵循“我为人人，人人为我”的基本原则，大家集合起的力量形成一个大的集体，共同抵御风险。在这个大集体里，每一个人都是贡献者，同时也是受益者。我们的付出，当意外发生时，换来了及时的援助。

“明天的未确定性还是突发的意外，哪个会先到来？” 这是我们都会面对的问题。在日常生活中，我们面对各种风险。随着我们生活水平的提高，购车成为了常态，车险也应运而生。我相信每个人在购车的时候都会购买车险，否则都不敢开车上路。每年花点钱买个安心，总好过面临风险的不安全感。我们都理解给车买保险的重要性，那么人呢？我们需要为自己投保吗？这个所谓的”无保障”代表了什么呢？其实，人身保险和车险的性质是一样的，只是有些人觉得开车出事的概率高过人生病的概率，所以他们宁愿给汽车投保，却不愿给自己保障。难道我们还不如汽车重要？

风险的概率是客观存在的。也就是说，任何人都有可能遭遇风险，这是无法预料的。面对出门的交通事故、滑到摔伤、燃气泄漏、电器操作失误、疾病等风险，任何人都有可能面临，风险是公平的。

常言道：“什么都可以没有，就是不能没有钱；什么都可以有，就是不能有病。”如果遭遇不幸，不仅收入会减少，而且辛苦积攒的储蓄也会像拉开阀门的水池一样流失。

我们时常听说不幸的事情发生，比如某个人患癌病，花费巨大，在治疗中花光了所有储蓄。这种情况让人唏嘘不已。但在此同时，我们却忽视了一个重要问题：若是这样的事情发生在我身上，我该怎么办？我能如何面对？父母付出了辛苦努力把我们养大，教育我们称职的成人，以后谁能照顾他们？婚后的承诺要由谁来履行？孩子是家庭的希望，总会有人给他提供更好的未来吧？这些都是我们当然要去做的，但如果风险来临，谁能替我们承担？

保险的意义可以分为几个方面：生活中有所准备；老年有所依靠；疾病时有所治疗；死后事物有所安置；残疾后有所保障。

实际上，买保险不需要理由，就如同人生的生、老、病、死一样，这是每个人都需要面对的。就连著名的企业家王石都曾说过，“买保险不需要理由，必须要买！”面对风险，谁不想有个避风港呢？

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PONTOON 20′ 

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https://gohomelakeboatrentals.com/

艾迪与您聊聊当下退休年龄确保高回报的投资–保险年金

艾迪聊聊退休年代确保高回报的投资— 保险年金

如今央行的标准利率差不多已经到达顶点水平。众多投资都面临回报率不确定性，或者是低下的挑战。但是，几乎可以说当下只有一个产品例外，那就是保险年金，一个只有保险公司才有的，并且确保长期高回报率的投资产品。

众所周知，这个世界能够确保投资回报的，规模最大的金融企业就是保险公司。这里让我跟您分享一个锁定的长期高回报（年回报超过50%）的投资案例。

一对夫妇，丈夫JOHN今年65岁退休年龄，他们拥有多伦多一个房产，以价值250万左右出售。而后在多伦多东北部购入100万左右购入较小独立屋准备享受退休生活。

他们在当下用售房收入的150万购入了年限为29年的保险年金，要求投资的第二年就收到本金加上回报。看看确保的结果把。

他们每年确保收到$112,899.32，20年总收入：$2,257,986.40。相当于：每年本金$75,000，回报 112,899.32 – 75,000 = 37,788.32。37,788.32/75,000 = 50.53%（20年每年回报率）

JOHN还设定了受益人为妻子ALICE，保证了20年中自己如遇意外，Alice 的收入持续不断。

您觉得这个保证回报的保险年金如何？如此高的投资回报，估计今年过了就会下降了。

JOHN觉得应该利用一下今天高企的利息，将当下每年保证的高回报中，每年转存2万元到一个分红保险账户，那样，到了20年时，又获得了至少65万的人寿保险，直至终身。成功地将150万的资产最大化了。

注意：1，以上分享的数据是基于今年（2023年6月21日星期三）的央行利率。

2，保险年金是保险公司专有锁定回报率的产品。

欢迎您给我们反馈信息。友安金融专业顾问可以为您, 或您的企业详细地出谋划策，制定财富最大化的方案。

https://scfinan.ca/contact/  wisdomelect@yahoo.com

认为太年轻不用购买保险？以下理由或许会让您重新考虑。