常见问题Frequently asked questions

取决于需要保障多久、预算多少。定期寿险起初保费较低，但到期后保障结束或续保保费上升，适合有期限的需要；终身寿险保障终身，费用较高，适合长期需要。很多家庭会两种搭配。It depends on how long you need coverage and your budget. Term costs less at first but ends or becomes more expensive to renew, which suits needs with an end date; permanent coverage lasts for life and costs more, which suits lasting needs. Many families combine the two.

常见的思路是把房贷和其他负债、家人未来几年的生活费、孩子教育费用、身后费用加起来，再减去已有的保障和资产。具体数字需要按你的情况计算。A common approach is to add up the mortgage and other debts, several years of family living costs, education costs and final expenses, then subtract existing coverage and assets. The actual figure depends on your situation.

团体保险的保额往往有限，而且通常离职后就结束。可以先看清团体保险的保额、给付比例和期限，再决定是否需要个人保单补足。Group coverage is often limited and usually ends when you leave the job. Check the amounts, benefit percentage and duration first, then decide whether a personal policy should fill the gap.

两者解决的问题不同：失能保险按月补收入，重疾保险在确诊时一次性给付。是否两种都要，取决于你的收入来源、存款和家庭负担。They do different jobs: disability insurance replaces income monthly; critical illness pays a lump sum on diagnosis. Whether you need both depends on your income sources, savings and family obligations.

它可以早早锁定终身保障、累积现金价值；但分红不保证，也是长期缴费的承诺。一般建议先确保父母自己的保障足够，再考虑孩子的保单。It can lock in lifelong coverage early and build cash value, but dividends are not guaranteed and it is a long-term commitment. Usually the parents' own coverage should be in place first.

由公司投保和缴费，可用于关键人保障、股东安排或传承规划。保费能否抵税、赔偿金如何从公司分配，取决于公司结构和保单安排，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 coverage, shareholder arrangements or estate planning. Deductibility and how a benefit flows out of the corporation depend on your structure and the policy setup; assess them with your accountant and lawyer.

要看年龄、保额和产品。有些保单只需回答健康问题，保额较高时可能需要体检或验血。核保结果出来后，保险公司可能按标准费率、加费或附加条件承保。It depends on your age, the amount and the product. Some policies need only health questions; higher amounts may require an exam or blood test. After underwriting, the insurer may offer standard rates, a higher rate or special conditions.

一般需要是加拿大居民（不一定要求是公民），各公司对居住时间、身份和境外病史的要求不同，可以先咨询再选择公司。Generally you need to be a Canadian resident (not necessarily a citizen). Insurers differ on residency length, status and overseas medical history, so it helps to ask before choosing a company.

结婚、生孩子、买房、换工作、开公司、孩子独立，或保单续保保费即将上涨之前，都是做一次检视的好时机。Marriage, a new baby, a home purchase, a job change, starting a business, children becoming independent, or before a term renewal increases the premium.