BC 省持牌独立人寿保险顾问Licensed independent life insurance advisor · South Surrey / White Rock
我是 Doria Pan（潘阳），服务 South Surrey、White Rock 和大温地区。我是独立顾问，合作多家保险公司，可以帮你横向比较，用中文把条款和选择讲清楚。I'm Doria Pan, serving South Surrey, White Rock and Greater Vancouver. I'm not tied to any one insurer: I compare options from several companies and explain them in English or Mandarin, so you can decide.
可以视频，也可以约见面。Video call, or in person by appointment.
合作的保险公司包括：Options compared from: Manulife · Canada Life · iA Financial Group · Equitable Life · Sun Life 等 and others
服务对象Who I help
先看家里需要哪些保障，再挑合适的产品。First work out what your household needs to protect, then choose coverage.
公司、股东和家人一起考虑，看保险能解决哪些问题。Looking at your corporation, partners and family together, and where insurance fits.
以上内容以教育和规划为主，是否合适取决于你的具体情况，需与你的会计师和律师一起确认。This is educational and planning-focused. Whether it suits you depends on your situation, and should be confirmed with your accountant and lawyer.
咨询企业保险Book a business consultation关于我About Doria
BC 省持牌独立保险顾问 · MDRT 百万圆桌会员Independent licensed life insurance advisor · British Columbia · MDRT Member
我是两个孩子的妈妈，住在 South Surrey / White Rock。刚来加拿大的时候，我自己也看不懂保险条款，所以现在给客户讲保险，我都尽量用大白话讲清楚。
我的做法很简单：先了解你的情况，再看产品；几家公司放在一起比，优缺点都讲清楚；最后你自己拿主意。
I'm a mother of two, living in South Surrey / White Rock. When my family settled in Canada, I found insurance confusing too, so I try to explain every option in plain language.
How I work is simple: your situation first, products second; options from several insurers compared side by side; no pressure, and the decision is yours.
服务项目Services
定期寿险、终身寿险、重疾保险和失能保险。万一生病或出意外，家里的收入和积蓄有保障。Term and permanent life, critical illness and disability coverage to protect your family's income and savings.
趁孩子小，早点安排终身保障，比如儿童分红终身寿险。Lifelong coverage started early, including children's participating whole life.
分红保单的分红不保证。Participating policy dividends are not guaranteed.公司名下的寿险、关键人保险、股东协议的保险安排。Corporate-owned life insurance, key person coverage and insurance funding for shareholder agreements.
税务及法律影响因人而异，请与你的会计师、律师共同确认。Tax and legal effects vary; confirm with your accountant and lawyer.用终身寿险和受益人安排，给下一代留一笔钱。Permanent life insurance and beneficiary planning to set funds aside for the next generation.
需与遗嘱、律师及会计师的整体安排配合。Best coordinated with your will, lawyer and accountant.已经买了保险？可以找我做个保单体检，看看现在的保障够不够、还合不合适。Already have coverage? I also offer a policy review to check whether it still fits.预约保单体检 →Book a policy review →
服务流程How we work
先聊一聊你的家庭、工作和担心的问题。A short call about your family, business and concerns.
整理收入、贷款、已有保单和目标，看看还缺哪些保障。Income, debts, existing policies and goals, to find the gaps.
把几家公司的方案放在一起比，优缺点讲清楚，你来选。Options from several insurers side by side, trade-offs explained, you decide.
每年回顾一次，家里或生意有变化就及时调整。Yearly check-ins as your family and business change.
保险知识Insights
以下为一般性介绍，不构成个人建议。General education only, not individual advice.
家庭 · 子女Families · Children
好处是锁定终身保障、累积现金价值；但分红不保证，也要长期缴费。先看预算和目标再决定。It can lock in lifelong coverage and build cash value, but dividends are not guaranteed and it is a long-term commitment. Start with your budget and goals.
咨询时细聊 →Talk it through →企业主Business owners
由公司投保、公司交保费，可以用在关键人保险、股东安排或传承规划上。效果要看公司结构，需要和会计师、律师一起评估。The corporation owns and pays for the policy, which can support key person cover, shareholder arrangements or estate planning. Results depend on your structure; assess with your accountant and lawyer.
咨询时细聊 →Talk it through →传承Legacy
受益人是谁、什么时候需要用钱、遗产里有没有足够的现金，往往决定传承顺不顺利。Who your beneficiaries are, when funds are needed, and whether your estate has enough liquidity often decide how smoothly things pass on.
咨询时细聊 →Talk it through →联系我Contact
微信、短信、电话或留言都可以。WeChat, text, call or leave a message.
微信名 Doria，加好友时请备注“网站”。WeChat name: Doria (White Rock). Mention "website" when you add me.
手机上没法扫自己的屏幕：点开二维码，长按保存，再在微信“扫一扫”里从相册选取。On your phone, tap to enlarge, press and hold to save the image, then open WeChat Scan and choose it from your album.
微信扫码加我 / Add me on WeChat
长按保存二维码，在微信扫一扫里从相册选取
Press and hold to save, then in WeChat Scan, choose it from your album.