{"id":1579,"date":"2024-10-09T22:44:45","date_gmt":"2024-10-09T22:44:45","guid":{"rendered":"https:\/\/elitewmg.com\/term-life-insurance\/"},"modified":"2025-01-03T22:51:42","modified_gmt":"2025-01-03T22:51:42","slug":"term-life-insurance","status":"publish","type":"page","link":"https:\/\/elitewmg.com\/zh\/services\/term-life-insurance\/","title":{"rendered":"Term Life Insurance"},"content":{"rendered":"
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Term Life Insurance<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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What is Term Life Insurance?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Term life insurance is a type of life insurance that provides coverage for a specified period or “term.” It is designed to offer financial protection to the policyholder’s beneficiaries if the insured person dies during the term of the policy.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Why should I buy it?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Peace of Mind<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Term life insurance can help provide security to your loved ones, knowing they will be financially supported in the event you pass away.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Flexibility<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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You decide how long you want to be covered for. Pick as short as 10 years to as long as 40. You choose the insurance coverage that suits your needs and financial situation.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Affordability<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Pay as little as $10 a month to insure that you are covered as a young individual or as a family on a budget. Term life can be 5 – 15x cheaper than a permanent policy.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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How does Term Life Insurance work?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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An RRSP is a retirement savings and investing vehicle for employees and the self-employed in Canada. It offers tax benefits to encourage retirement savings, such as tax deductions for contributions made.<\/p>

Your RRSP contribution limit for 2024 is 18% of your 2023 earned income or $31,560 (whichever is lower), plus any unused contribution room from previous years. An RRSP can include a variety of investments like stocks, bonds, GICs, and<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\n\t\t\t\t\t\t\n\t\t\t\t\t\t\tPolicy Term\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\tWhen purchasing a term life insurance policy, you choose the length of the coverage period. \nCommon terms include 10, 20, or 30 years, but other durations may also be available.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\n\t\t\t\t\t\tTo keep your policy active, you must pay \u201cpremiums\u201d, or regular\npayments, monthly, quarterly, or annually, depending on the policy\nterms and your preference.

\nThe amount you pay in premiums will vary based on factors such\nas the insured's age, health, lifestyle, and the length and amount of\ncoverage. In general, younger and healthier individuals pay lower\npremiums.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\n\t\t\t\t\t\t\n\t\t\t\t\t\t\tDeath Benefit\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\tThe death benefit is the amount of money that will be paid to the\nbeneficiaries if the insured person dies during the policy term.\n
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\nThe policyholder chooses the death benefit amount when\npurchasing the policy, and it remains fixed for the duration of the\nterm. The beneficiaries receive this payout tax-free, providing them\nwith financial support.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\n\t\t\t\t\t\t\n\t\t\t\t\t\t\tNo Cash Value\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\tTerm Life Insurance does not have cash value. Meaning, the policy\ndoes not accumulate savings or investment value over time. The\npremiums solely pay for the death benefit coverage.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\n\t\t\t\t\t\t\n\t\t\t\t\t\t\tExpiration of Term\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\tIf the insured person out lives the term length of the policy (10, 20,\n30 years.etc), the coverage ends and no death benefit is paid out.\nSome policies offer options to renew the policy for another term or\nto convert it to a permanent life insurance policy.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\n\t\t\t\t\t\t\n\t\t\t\t\t\t\tConversion Option\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\tSome term life insurance policies offer an option to convert your\nterm policy to a permanent life insurance policy (whole life or\nuniversal life), before the end of the term or at a specified age.\n
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\nThe conversion can be done without an additional medical\nexamination to ensure you do not pay additional premiums if the\ninsured\u2019s health declines.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Let's Compare<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Feature<\/div><\/div><\/div><\/th>
Term Life Insurance<\/div><\/div><\/div><\/th>
Whole Life Insurance<\/div><\/div><\/div><\/th>
Universal Life Insurance<\/div><\/div><\/div><\/th><\/tr><\/thead>\n\t\t\t\t\t\t\t\t
Duration<\/b><\/div><\/div><\/div><\/td>
Specified Term
\n(e.g.: 10, 20, 30 years)<\/div><\/div><\/div><\/td>
Lifetime<\/div><\/div><\/div><\/td>
Lifetime<\/div><\/div><\/div><\/td><\/tr>
Premiums<\/b><\/div><\/div><\/div><\/td>
Fixed for the term<\/div><\/div><\/div><\/td>
Fixed for life<\/div><\/div><\/div><\/td>
Flexible<\/div><\/div><\/div><\/td><\/tr>
Cash Values<\/b><\/div><\/div><\/div><\/td>
None<\/div><\/div><\/div><\/td>
Yes, grows at a\nguaranteed rate<\/div><\/div><\/div><\/td>
Yes, grows\nbased on\ninterest rates<\/div><\/div><\/div><\/td><\/tr>
Investment Component<\/b><\/div><\/div><\/div><\/td>
None<\/div><\/div><\/div><\/td>
None<\/div><\/div><\/div><\/td>
Yes, tied to\ninterest rates<\/div><\/div><\/div><\/td><\/tr>
Death Benefit<\/b><\/div><\/div><\/div><\/td>
Fixed, payable if\ndeath occurs\nduring term<\/div><\/div><\/div><\/td>
Fixed,\nguaranteed<\/div><\/div><\/div><\/td>
Adjustable<\/div><\/div><\/div><\/td><\/tr>
Cost<\/b><\/div><\/div><\/div><\/td>
Lower cost\npremiums<\/div><\/div><\/div><\/td>
Higher cost\npremiums<\/div><\/div><\/div><\/td>
Can be lower or\nhigher
\nDepending on\noptions<\/div><\/div><\/div><\/td><\/tr>
Policy Loans<\/b><\/div><\/div><\/div><\/td>
Not Available<\/div><\/div><\/div><\/td>
Available<\/div><\/div><\/div><\/td>
Available<\/div><\/div><\/div><\/td><\/tr>
Flexibility<\/b><\/div><\/div><\/div><\/td>
No flexibility<\/div><\/div><\/div><\/td>
Limited
\n(Cannot\nchange\npremiums\/death\nbenefit)<\/div><\/div><\/div><\/td>
High
\n(Can adjust\npremiums and\ndeath benefit)<\/div><\/div><\/div><\/td><\/tr>
Coverage Purpose<\/b><\/div><\/div><\/div><\/td>
Temporary needs
\n(e.g., mortgage,\nincome\nreplacement)<\/div><\/div><\/div><\/td>
Lifetime\nprotection,\nestate planning<\/div><\/div><\/div><\/td>
Lifetime\nprotection,\nflexible for\nchanging needs<\/div><\/div><\/div><\/td><\/tr>
Coversion Options<\/b><\/div><\/div><\/div><\/td>
Often convertible to permanent policy<\/div><\/div><\/div><\/td>
Not applicable<\/div><\/div><\/div><\/td>
Not applicable<\/div><\/div><\/div><\/td><\/tr><\/tbody>\n\t\t\t<\/table>\n\t\t<\/div>\n\n\t\t<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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When should I buy it?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t\t\t\n\t\t\t\t\t\t\tYoung Adult\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\tBuying term life insurance early on can enable\nyou to lock in lower premiums as you are in good health\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\n\t\t\t\t\t\t\n\t\t\t\t\t\t\tStarting a Family\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\tYou can provide coverage for your family in\nthe case of your death\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\n\t\t\t\t\t\t\n\t\t\t\t\t\t\tBuying Real Estate\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\tTerm life insurance can help keep your\nfamily financially secure by helping you pay off your mortgage and\nprotect your property\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Note:<\/strong> Failure to pay for your premiums and inability to cover your insurance with cash value will terminate your policy.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Ready to Invest? We can help!<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t\t\t\n\t\t\t\t\t\t\tCall Us\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\tGive us a phone call and we can explain everything with you over the phone.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Term Life Insurance What is Term Life Insurance? Term life insurance is a type of life insurance that provides coverage for a specified period or “term.” It is designed to offer financial protection to the policyholder’s beneficiaries if the insured person dies during the term of the policy. Why should I buy it? Peace of […]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":235,"menu_order":11,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"iawp_total_views":46,"footnotes":""},"class_list":["post-1579","page","type-page","status-publish","hentry"],"acf":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/elitewmg.com\/zh\/wp-json\/wp\/v2\/pages\/1579","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/elitewmg.com\/zh\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/elitewmg.com\/zh\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/elitewmg.com\/zh\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/elitewmg.com\/zh\/wp-json\/wp\/v2\/comments?post=1579"}],"version-history":[{"count":0,"href":"https:\/\/elitewmg.com\/zh\/wp-json\/wp\/v2\/pages\/1579\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/elitewmg.com\/zh\/wp-json\/wp\/v2\/pages\/235"}],"wp:attachment":[{"href":"https:\/\/elitewmg.com\/zh\/wp-json\/wp\/v2\/media?parent=1579"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}