Participating Insurance 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。
Key Benefits of Participating Insurance
分红保险的好处
Participating Life Insurance is an excellent solution for people:
Looking for lifetime protection combined with the opportunity for significant savings;
Wanting to increase their death benefit over time to keep pace with inflation;
Interested in accessing the cash value that can be used for:
• personal or business opportunities, such as for financial emergency, to supplement your children’s education fund, start your own business, buy a home and so on;
• Supplement their retirement income;
• Provide funds for long-term care or home care while ensuring that there is a death benefit in place to protect their estate.
由于分红保险的长期分红可以积累出很大的现金价值，那么分红保险非常适合寻求以下功能的人们：
寻求终身的保险保障并且还创造出额外的存款储蓄
希望保险理赔额的增长可以高于通胀速度
可以使用到保险的现金价值，例如生意投资，应急金，子女教育费用，退休养老金等。
Where the dividends come from 分红的来源
When you purchase participating life insurance, the premiums paid are deposited into an account called Participating Account and invested. A portion of the surplus generated on this account may be paid to policyholders in the form of dividends.
The participating account is mainly impacted by returns earned on investments, mortality, terminated policies, expenses and taxes. Your share in this earnings is annually credited to your policy as a dividend payment.
分红保险的保费会存入保险公司的分红账户并由保险公司进行投资。投资所产生的收益会向账户内的保单持有人支付分红。另外，除了投资的收益会有分红，死亡率，管理开销以及税务开销等都可以影响分红的数额。最终的保险分红会每年由保险公司计算后发给保单持有人。
Sun Life
Sun Life Financial Inc. is a Canadian financial services company and one of the largest life insurance companies in the world; it is also one of the oldest, with a history spanning back to 1865. Sun Life has a presence in investment management with over CAD$1 trillion in assets under management operating in a number of countries. And over $125 billion in (AUA) Assets Under Administration as of 2020. Sun Life ranks number 273 on the Forbes Global 2000 list for 2019.
永明金融是加拿大金融服务公司，也是世界上最大的人寿保险公司之一；它的历史可以追溯到1865年。永明保险在投资管理领域拥有业务，管理的资产超过1万亿加元，业务遍及多个国家。截至2020年，管理的（AUA）资产超过1250亿美元。永明在2019年《福布斯》全球2000强榜单中排名第273位。
Manulife
Manulife is a leading international financial services group that helps people make their decisions easier and lives better. At the end of 2020, we had more than 37,000 employees, over 118,000 agents, and thousands of distribution partners, serving over 30 million customers.
宏利金融公司是加拿大最大的跨国保险公司和金融服务提供商之一。宏利金融公司的经营理念是帮助它的客户更简单的做出决定和更便捷的生活。它拥有3.7万名员工以及11.8万的代理经纪。宏利金融公司的产品服务高达3000万客户。
Canada Life
Canada Life Assurance Company, the first life insurance company in Canada, established on 21 August 1847. Canada Life is the largest insurance company in Canada based on assets under management.
加拿大人寿保险公司是加拿大第一家人寿保险公司，成立于1847年8月21日。根据所管理的资产，加拿大人寿保险公司是加拿大最大的保险公司。
Equitable life
Equitable Life of Canada is one of Canada’s largest mutual life insurance companies founded in 1920 in Waterloo, Ontario. Equitable Life reported premiums and deposits of $1.7 billion in 2020, contributing to $6.0 billion of assets under administration.
恒信保险Equitable Life成立于1920年的安大略省滑铁卢，是加拿大最大共有保险公司之一。恒信保险在2020年收取的保费存储金额高达$17亿加币，并且管理着$60亿加币资产。
IA Financial Group
iA Financial Group is one of the largest insurance and wealth management groups in Canada, with operations in the United States. Founded in 1892, it is an important Canadian public company and is listed on the Toronto Stock Exchange, and it has more than 4 million clients with over $96 billion in Assets Under Administration (AUA) as of 2020.
IA金融集团是一家成立于1892年的加拿大领先的保险和财富管理公司，并且公司的上市股票在多伦多交易所流通。目前IA有高达400万的客户和超过960亿的管理资产（AUA）
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