由于定期人寿保险保单内部规定相对较为简单，又没有现金储蓄或额外的资金投资，因而使得其价格的比较较为简单和可行。因此也是目前常见的可在网上进行不同公司价格比较的人寿保险产品。Compared with other types of life insurance products, term insurance has the simplest structure. It also has no cash value in investment. These features make it easier to be compared for products among different companies.
目前网上提供定期保险价格查询对比的网站如： kanetix.ca 、 insurancedirectcanada.com 和 life-insurance-quotes.ca 。Kanetix提供有部分公司的十年定期人寿保险价格比较；Insurancedirectcanada和life-insurance-quotes.ca 提供有较全面的定期产品和部分分红式终身人寿保险产品的价格比较。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。kanetix.ca, insurancedirectcanada.com, and life-insurance-quotes.ca are three of good examples of the web sites which provide instant online quote comparison of some life insurance products. Kanetix provides online quote comparison of Term 10 of some life insurance companies. Insurancedirectcanada.com and life-insurance-quotes.ca provide online quote comparison of most term life products and some whole life insurance products. When you submit your request, Insurancedirectcanada might record your email address and phone number and share it with its brokers.
但即使是定期人寿保险产品网上价格比较，目前最好的这类网站也存在着明显的不足。这尤其反映在这样几个方面。However, even for term life insurance quote comparison, online quote comparison from the good web sites also has significant limitations.
第一，可能是因网站空间有限等原因，网上价格查询仍只是选择了部分保险公司的部分产品。而且常只限于其产品允许保险代理(Broker)代理的公司。对产品只允许本公司保险经纪人(Agent)销售的公司，没有包括。First, it might be because of space limitation etc, such a web site usually selects limited products of limited life insurance companies for online quote comparison. It also usually does not include the life insurance companies that only permits its own agents rather than brokers from other companies to sell its products.
第二，一些公司有两种定期期限相同但价格不同的定期保险产品，而网站检索中最多只列出了其中一种，且在简单的价格比较中不可能解释这种价格差异的理由。 Secondly, some companies have two types of term insurance products that might have different premium even for the same client with the same term period and coverage. It is difficult for online quote comparison to include all of them and explain the reasons through simple quote comparison.
第三，购买保险产品是家庭财务规划的一部分。如你需要购买多少保额？即使是定期，是十年定期、二十年定期还是终身定期更符合你的需要？这些你可能需要专业财务顾问的建议，而不只是简单的价格比较和购买。 Even term life insurance, it is also a part of your (family) financial planning. For example, how much you should buy? Is Term 10, Term 20 or Term 100 the best for you? A simple quote might not be enough and you might need advices from professionals.
第四，各保险公司的产品处于不断改进和变化之中。但这种变化从公司反映到非本公司的保险代理人那里，再反映到网站上，需要时间。从而使网站上的检索计算不一定总能及时准确。 Moreover, life insurance products of a company might be changed from time to time. It takes time for the changes to reach brokers and then be reflected on the Internet.
由于这些原因，我们建议网站上的检索计算只是作为参考，同时还应同自己认为诚信专业的保险经纪人联系，获得进一步的资讯和建议。若希望向我们查询或购买定期人寿保险，可将下列表格填写发送给我们。我们将会根据您的具体情况为您提供建议和协助您查询购买到满意的产品。For the above reasons, it is better to use online quote for reference only and you should contact a life insurance broker or agent who you trust for further information and advices. If you like to contact us for more information or advice, please complete the following form and submit it to us.