Term life insurance

1. Traditional Life Insurance

Higher coverage amounts

Possibility to increase the amount of coverage for clients

Option to add additional coverage, such as life insurance or critical illness insurance for the client's children

2. Simplified Life Insurance

Policy can be issued in just 60 minutes

No medical exam

Buy remotely without meeting with an advisor in person

Permanent life insurance

1. Traditional Life Insurance

Higher Sum Assured

Choose a program that has a cash surrender value that increases over time and can be used to fund clients

Option to add additional coverage, such as life insurance or critical illness insurance for the client's children

Option to pay over age 20 or under age 100, if desired

2. Simplified life insurance or guaranteed issue life insurance

Issue a policy in just 60 minutes

No medical exam

Buy remotely without meeting with an advisor in person

The Guaranteed Issue option is for those who are difficult to insure

Universal life insurance

Tax-free investments, even if the client has maximized RRSP and TFSA contributions

Flexible coverage: changes in coverage amounts and premium payments

Access to accumulated funds (may be subject to income tax)

Option to add additional coverage, such as term life or critical illness insurance

official website: https://ssq.ca/en

定期人寿保险

1. 传统人寿保险

更高的保险金额

为客户增加覆盖范围的可能性

可选择为客户的子女增加额外保险，例如人寿保险或重大疾病保险

2. 简易人寿保险

60分钟即可出保单

没有体检

无需亲自与顾问会面即可远程购买

永久人寿保险

1. 传统人寿保险

更高的保额

选择一个现金退保价值随时间增加并可用于为客户提供资金的计划

可选择为客户的子女增加额外保险，例如人寿保险或重大疾病保险

如果需要，可选择支付 20 岁以上或 100 岁以下的费用

2. 简易寿险或保额寿险

只需 60 分钟即可发布保单

没有体检

无需亲自与顾问会面即可远程购买

保证发行选项适用于难以投保的人

万能寿险

免税投资，即使客户已最大化 RRSP 和 TFSA 供款

灵活的承保范围：承保金额和保费支付的变化

获得累积资金（可能需要缴纳所得税）

添加额外保险的选项，例如定期人寿或重大疾病保险

官方网站：https://ssq.ca/en