终身保险主要包括Whole Life（分红终身人寿保险）和Universal Life（UL，投资终身人寿保险）两大类型。在加拿大目前的网站中，我们发现如 insurancedirectcanada.com 和 life-insurance-quotes.ca 提供了部分保险公司的分红终身人寿保险网上即时价格查询。但其均没有包括投资终身人寿保险。Insurancedirectcanada查询时可能会记录你的电子邮件地址和电话号码等资料提供给其保险代理行的保险代理人。 Generally, there are two types of permanent life insurance products, Whole Life and Universal Life. Currently, we only find web sites (of Canada) that provide online quote comparison of whole life insurance of some insurance companies. Two examples of the sites are Insurancedirectcanada.com and life-insurance-quotes.ca. None of them include Universal Life insurance products. When you submit your request, Insurancedirectcanada might record your email address and phone number and share it with its brokers.

　　实际上，终身人寿保险的内部结构和设计相当复杂。如不同公司的产品，其成本设计、增值变化、取消保单费用、投资选项、保证的和不保证的部分等等，均又可能不同。这些是你在选择时均应该考虑的。此外，对于一个终生的保险计划，你的保险经纪人（代理人）和你的保险公司的服务也十分重要。Actually, Permanent life insurance usually has a quite complicated structure compared with term insurance products. For examples, its COI (cost of insurance) design, policy fund development, surrender charge, investment selections, guarantees and non-guarantees etc. might be different from product to product. These are also important factors for you to consider. Moreover, for a lifetime insurance, the service of your agent (broker) and life insurance company is also very important.

　　因此，客户选择终身保险产品时，与定期保险不同，价格应只是参考因素之一。如果您对终身人寿保险产品有兴趣，可同您自己认为诚信专业的保险代理联系，获得进一步的资讯和建议。若希望向我们询问，可通过电话或电子邮件联系我们，也可将下表填写和发送给我们。 Therefore, insurance premium is only one of the factors you need to consider when you purchase a permanent life insurance policy and you should not solely base on quote comparison to make your selection. If you are considering to purchase a permanent life insurance policy, you need to have a professional life insurance broker or agent who you trust to discuss the details and for advice. If you like to contact us for this purpose, you might contact us by phone, email, or through completing and submitting the following form to us.

主题(Subject)： 保险类型 Insurance Categories 投资终身人寿保险Universal Life 分红终身人寿保险Whole Life
您的姓名(Your Name)*： (*: 必须填写)
电话(Phone No.)：
电子信箱(Email)*： (*: 必须填写)
出生日期(Birthday)： January February March April May June July August September October November December 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 , Year 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993 1992 1991 1990 1989 1988 1987 1986 1985 1984 1983 1982 1981 1980 1979 1978 1977 1976 1975 1974 1973 1972 1971 1970 1969 1968 1967 1966 1965 1964 1963 1962 1961 1960 1959 1958 1957 1956 1955 1954 1953 1952 1951 1950 1949 1948 1947 1946 1945 1944 1943 1942 1941 1940 1939 1938 1937 1936 1935 1934 1933 1932 1931 1930 1929 1928 1927 1926 1925 1924 1923 1922 1921 1920
性别(Gender)： male female
是否吸烟(Do you smoke or use tobacco)? yes no
需要保额(Insurance Amount)： $50,000 $100,000 $150,000 $200,000 $250,000 $300,000 $350,000 $400,000 $450,000 $500,000 $1,000,000

附言(Your Comments):
or