life Insurance 人寿保险
Life insurance is a contract between the policyholder and an insurance company which is to provide a tax-free sum of money, known as a death benefit, to the beneficiary if the person insured were to pass away. In return to have this insurance protection, the owner of the policy pays premiums to the insurance company.
人寿保险是保单持有人与保险公司之间的以受保人的寿命为条件的保险合同。在受保人过世后，保险公司将理赔金以免税的方式赔付给保险受益人。保单持有人须按照保险合同规定的时间向保险公司缴纳保费从而使得保险合同有效。
Who Needs Life Insurance? 哪些人需要人寿保险？
It may seem like it is, but this isn’t a necessary purchase for everybody.
So how do you tell if you need it? It’s pretty simple – you’ll want to get a life insurance policy if you have somebody who relies on you financially, for example having a policy in place is essential if you have a partner, children or ageing parents who depend on you for financial support.
人寿保险并非适用于每一个人。那么哪些人适合需要人寿保险只需用一个问题就可以回答——您的家人是否在经济上依靠于您？例如：房屋的按揭还款是否需要您的经济支持？子女的教育是否需要您的经济支持？父母的养老是否需要您的经济支持？如果您的回答是肯定的，那么您需要一份人寿保险！
Participating insurance 终身分红保险
Participating Life Insurance is a whole life insurance plan that provides permanent lifetime insurance protection with guaranteed cash surrender value and eligible to receive annual dividends, which can be used to accumulate a cash reserve to use as a savings plan and increase the death benefit.
分红保险是一种终身的人寿保险。分红保险不仅可以提供永久性的财产保护，存入的保费也可以产生出现金价值，并且还有条件享有保险公司的盈利分红。这些积累的分红可以作为很好的理财选择和增加保险的保额赔偿。
Term Insurance 定期人寿保险
Term life insurance is simple and affordable, providing a fixed amount of insurance for a specific period of time. It provides temporary protection you can customize to meet your changing needs.
定期人寿保险最大的特点是简单，它没有现金储蓄，没有额外的资金投资，保额也不会增值。主要用于保障一段时间内的财产安全。
Universal Insurance 终身万能保险
Universal insurance is a flexible permanent insurance and investment plan that combines life insurance protection and a tax-deferred investment vehicle.
万能险是一款具有永久财产保障和延税投资两大功能的终身人寿保险。
Corporate Insurance 企业人寿保险
Corporate owned life insurance not only has financial protection extra tax advantages comparing to individually owned life insurance but also has the
Corporate owned life insurance not only has the benefit of financial protection, but also has extra tax advantages that can minimize the tax burden.
企业人寿保险不仅可以提供财产上的保护，并且也有更多的税务上的优惠可以减轻企业的税务负担。
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