Universal Insurance 万能险
Universal insurance is a flexible permanent insurance and investment plan that combines life insurance protection and a tax-deferred investment vehicle. The “buy term and invest the rest strategy” is one of the best policy options available and highly recommended for those who believe in buying a term life policy and investing the difference.
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。投保人不仅可以享受固定保险部分的保障，还可以将多余资金直接参与到投资账户内的投资活动，使得投保人对投资能有够好的控制。
Key Benefits of Universal Life Insurance
万能保险的好处
哪些人比较适合万能保险：Who Might Choose Universal Life Insurance：
You are looking for coverage that lasts your entire life.
You have long-term savings goals.
You want premium contributions to be flexible.
您需要一份终身的保单
您有一个长期的理财储蓄计划
您希望保费可以调整浮动
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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