守护你，
也守护你所爱的人Protecting you
— and the people you love.

一对50岁左右的夫妻着手规划退休后的现金流，计划退休后每年通过保单贷款领取5万加元。这笔收入无需报税，也不会影响老年金（OAS）的领取资格；身故后，理赔金偿还贷款后的余额将全数免税留给子女。A couple in their early 50s begin planning their retirement income, aiming to draw $50,000 a year through policy loans once they retire. This income isn't reported on their tax return and doesn't affect Old Age Security (OAS) eligibility. At death, the payout repays the loan, and the remaining balance passes to their children entirely tax-free.

一对65岁与58岁的夫妻投保一份联合最后身故保单，专门用于预留未来的遗产税款。相较于各自单独投保，保费降低了近四成，理赔金额恰好覆盖将来产生的税款，子女继承资产时无需变卖房产或投资来筹措税金。A couple, aged 65 and 58, purchase a joint last-to-die policy specifically to prepare for that future estate tax bill. Compared to two individual policies, premiums are nearly 40% lower, and the payout is sized to cover the tax owed — so their children can inherit the house and investments without having to sell anything to cover it.

Sam 刚出售了一套投资房产，手中有一笔闲置资金，原计划投入股市。他先用这笔资金购买了一份10年缴清的终身寿险，每年缴纳的保费随即申请贷款套现用于股票投资，贷款利息也为他抵减了不少个人所得税。十年后，保单已缴清，这十年的投资也取得了可观的回报。此时，Sam 可以选择部分或全部偿还保单贷款，保单则继续免税增长。Sam just sold an investment property and has cash on hand he'd planned to put into the stock market. Instead, he first buys a 10-pay whole life policy. Each premium he pays is immediately borrowed back out and invested in stocks, with the loan interest also reducing his personal tax bill along the way. Ten years later, the policy is fully paid up and his investments have performed well. At that point, Sam can choose to repay the loan in part or in full, while the policy itself continues growing tax-free.

一家贸易公司每年留存收益达50万加元。公司利用这笔资金为股东本人投保，未来股东身故后，理赔金进入公司的免税账户，这笔资金及其释放出的额外免税额度，均可免税分配给继承人，无需再缴纳一次个人所得税。A trading company retains $500,000 in surplus earnings each year. The corporation uses these funds to insure the shareholder directly. When the shareholder passes away, the payout flows into the company's tax-free Capital Dividend Account, and both that amount and the additional tax-free room it creates can be distributed to heirs — without triggering personal income tax a second time.

一位妈妈在38岁时确诊乳腺癌，所幸发现得早，治疗效果很好。病愈后，她想为女儿投保一份重疾险，但询问了多家保险公司，得到的结果都是：因为母亲的乳腺癌病史，女儿的保单会附加乳腺癌除外条款——也就是说，即便将来女儿真的患上同样的疾病，这份保险也不会赔付。A mother was diagnosed with breast cancer at 38. Fortunately it was caught early and treatment was successful. Afterward, she tried to insure her daughter with a critical illness policy — but every insurer she approached added an exclusion for breast cancer specifically, due to the family history. In other words, even if her daughter were later diagnosed with the same illness, this policy wouldn't pay out.

孩子出生当年起，父母将每年给孩子的压岁钱用作保费，投保一份20年缴清的终身寿险。待孩子步入大学时，这份保单恰好缴清，父母随即将保单转由孩子本人持有——作为送给孩子的一份成年礼。未来孩子结婚、创业或购房时，都可以从保单中支取现金价值。Starting the year their child is born, the parents use the child's annual lucky money (红包) as the premium for a 20-pay whole life policy. By the time the child starts university, the policy is fully paid up, and the parents transfer ownership to the child — a coming-of-age gift. Later, whether it's a wedding, starting a business, or buying a home, the child can draw on the policy's cash value.

一对45岁的夫妻，两个孩子正在上学，还需各自照顾一位老人。丈夫是家庭主要收入来源，妻子负责照顾孩子与家庭。夫妻二人各自配置了30万加元重疾险与120万加元定期寿险——这是应对收入中断或重大疾病时，维系房贷、教育与养老开支的最基本保障。A couple, both 45, have two children in school and a parent on each side to care for. The husband is the family's primary income earner; the wife manages the household and childcare. Each of them is covered by $300,000 in critical illness insurance and $1.2 million in term life — the baseline protection needed to keep the mortgage, education, and eldercare costs covered if illness or loss of income strikes.

一对30岁的夫妻刚购置新居，贷款80万加元。他们选择了一份20年期、可转换的定期寿险覆盖这笔房贷，每月保费仅需数十加元；未来收入宽裕后，可随时转换为终身寿险，无需重新体检。A couple, both 30, just bought their first home with an $800,000 mortgage. They choose a 20-year convertible term policy to cover it, at a cost of only a few dozen dollars a month. Down the road, once their income grows, they can convert to whole life at any time — no new medical exam required.

一位42岁的男性，疫情期间反复腹痛，加拿大当地医院始终未能确诊病因。他曾考虑携全家返回中国就诊，但当时机票价格暴涨，一家人的往返机票合计将近10万加元，最终因舍不得这笔开支而一再拖延。等到确诊时已是肠癌晚期，错过了最佳治疗时机。若当时投保了重疾险，确诊后即可获得一笔免税给付，无论是机票、误工损失、看护费用，还是出国就医的各项支出，都不会再成为犹豫不决、错失良机的理由。A 42-year-old man had recurring abdominal pain throughout the pandemic, and doctors in Canada couldn't pin down the cause. He considered flying the family back to China for testing, but airfares had spiked — nearly $100,000 CAD round-trip for the whole family — and he kept putting it off rather than spend that much. By the time he was diagnosed, it was late-stage colon cancer, and the best window for treatment had passed. Had he held a critical illness policy, the tax-free payout on diagnosis would have meant airfare, lost income, caregiving, or treatment abroad would never have been the reason to delay.

父母从中国来加拿大探亲，老父亲在小区散步时不慎摔倒，导致脑出血，紧急送医并住院治疗。急救与住院费用最终超过15万加元，全部由提前购买的旅游医疗保险承担，家人无需为医药费用而焦虑。A couple's parents came from China to visit. While out for a walk in the neighbourhood, the father fell, suffered a brain hemorrhage, and was rushed to hospital. The emergency and inpatient costs ultimately exceeded $150,000 CAD — all covered by the travel medical insurance the family had arranged beforehand, with no added financial stress during an already frightening time.