{"id":3401,"date":"2025-03-27T01:46:56","date_gmt":"2025-03-26T20:46:56","guid":{"rendered":"https:\/\/101insurance.ca\/?p=3401"},"modified":"2025-03-27T02:37:45","modified_gmt":"2025-03-26T21:37:45","slug":"toi-uu-hoa-thue-khi-ve-huu-bang-bao-hiem-nhan-tho-vinh-vien-giai-phap-tai-chinh-thong-minh","status":"publish","type":"post","link":"https:\/\/101insurance.ca\/vi\/toi-uu-hoa-thue-khi-ve-huu-bang-bao-hiem-nhan-tho-vinh-vien-giai-phap-tai-chinh-thong-minh\/","title":{"rendered":"T\u1ed1i \u01afu H\u00f3a Thu\u1ebf Khi V\u1ec1 H\u01b0u B\u1eb1ng B\u1ea3o Hi\u1ec3m Nh\u00e2n Th\u1ecd V\u0129nh Vi\u1ec5n \u2013 Gi\u1ea3i Ph\u00e1p T\u00e0i Ch\u00ednh Th\u00f4ng Minh"},"content":{"rendered":"\n<figure class=\"wp-block-image size-full\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/101insurance.ca\/wp-content\/uploads\/2025\/03\/image.png\" alt=\"\" class=\"wp-image-3402\" srcset=\"https:\/\/101insurance.ca\/wp-content\/uploads\/2025\/03\/image.png 1024w, https:\/\/101insurance.ca\/wp-content\/uploads\/2025\/03\/image-300x300.png 300w, https:\/\/101insurance.ca\/wp-content\/uploads\/2025\/03\/image-150x150.png 150w, https:\/\/101insurance.ca\/wp-content\/uploads\/2025\/03\/image-768x768.png 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">1. B\u1ea3o Hi\u1ec3m Nh\u00e2n Th\u1ecd V\u0129nh Vi\u1ec5n L\u00e0 G\u00ec?<\/h3>\n\n\n\n<p>B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd v\u0129nh vi\u1ec5n kh\u00f4ng ch\u1ec9 l\u00e0 m\u1ed9t c\u00f4ng c\u1ee5 b\u1ea3o v\u1ec7 t\u00e0i ch\u00ednh su\u1ed1t \u0111\u1eddi m\u00e0 c\u00f2n gi\u00fap t\u00edch l\u0169y gi\u00e1 tr\u1ecb ti\u1ec1n m\u1eb7t theo th\u1eddi gian. \u0110\u00e2y l\u00e0 gi\u1ea3i ph\u00e1p th\u00f4ng minh gi\u00fap t\u1ea1o thu nh\u1eadp th\u1ee5 \u0111\u1ed9ng khi v\u1ec1 h\u01b0u m\u00e0 v\u1eabn t\u1ed1i \u01b0u h\u00f3a ngh\u0129a v\u1ee5 thu\u1ebf thu nh\u1eadp c\u00e1 nh\u00e2n.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. C\u00e1ch Ho\u1ea1t \u0110\u1ed9ng C\u1ee7a B\u1ea3o Hi\u1ec3m Nh\u00e2n Th\u1ecd V\u0129nh Vi\u1ec5n<\/h3>\n\n\n\n<p>B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd v\u0129nh vi\u1ec5n c\u00f3 hai th\u00e0nh ph\u1ea7n ch\u00ednh:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Quy\u1ec1n l\u1ee3i t\u1eed vong<\/strong>: Kho\u1ea3n ti\u1ec1n b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c chi tr\u1ea3 cho ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng khi ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m qua \u0111\u1eddi.<\/li>\n\n\n\n<li><strong>Gi\u00e1 tr\u1ecb ti\u1ec1n m\u1eb7t t\u00edch l\u0169y<\/strong>: M\u1ed9t ph\u1ea7n ph\u00ed b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c t\u00edch l\u0169y theo th\u1eddi gian, c\u00f3 th\u1ec3 d\u00f9ng \u0111\u1ec3 vay ho\u1eb7c r\u00fat khi c\u1ea7n m\u00e0 kh\u00f4ng b\u1ecb \u0111\u00e1nh thu\u1ebf ngay l\u1eadp t\u1ee9c.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">3. C\u00e1ch D\u00f9ng B\u1ea3o Hi\u1ec3m Nh\u00e2n Th\u1ecd V\u0129nh Vi\u1ec5n \u0110\u1ec3 T\u1ea1o Thu Nh\u1eadp Khi V\u1ec1 H\u01b0u<\/h3>\n\n\n\n<p>Ba chi\u1ebfn l\u01b0\u1ee3c ph\u1ed5 bi\u1ebfn \u0111\u1ec3 t\u1eadn d\u1ee5ng gi\u00e1 tr\u1ecb t\u00edch l\u0169y c\u1ee7a b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd v\u0129nh vi\u1ec5n:<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">a. R\u00fat Ti\u1ec1n Tr\u1ef1c Ti\u1ebfp T\u1eeb Gi\u00e1 Tr\u1ecb T\u00edch L\u0169y (Policy Withdrawal)<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>C\u00f3 th\u1ec3 r\u00fat m\u1ed9t ph\u1ea7n ti\u1ec1n m\u1eb7t t\u1eeb gi\u00e1 tr\u1ecb t\u00edch l\u0169y m\u00e0 kh\u00f4ng b\u1ecb \u0111\u00e1nh thu\u1ebf trong gi\u1edbi h\u1ea1n s\u1ed1 ti\u1ec1n \u0111\u00e3 \u0111\u00f3ng v\u00e0o h\u1ee3p \u0111\u1ed3ng (cost basis).<\/li>\n\n\n\n<li>N\u1ebfu r\u00fat v\u01b0\u1ee3t qu\u00e1 m\u1ee9c n\u00e0y, ph\u1ea7n l\u1ee3i nhu\u1eadn c\u00f3 th\u1ec3 b\u1ecb \u0111\u00e1nh thu\u1ebf nh\u01b0 thu nh\u1eadp b\u00ecnh th\u01b0\u1eddng.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">b. Vay T\u1eeb Gi\u00e1 Tr\u1ecb T\u00edch L\u0169y (Policy Loan)<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>C\u00f3 th\u1ec3 vay ti\u1ec1n t\u1eeb h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m m\u00e0 kh\u00f4ng b\u1ecb t\u00ednh thu\u1ebf.<\/li>\n\n\n\n<li>Kho\u1ea3n vay kh\u00f4ng b\u1eaft bu\u1ed9c ho\u00e0n tr\u1ea3, nh\u01b0ng n\u1ebfu ch\u01b0a ho\u00e0n tr\u1ea3 khi qua \u0111\u1eddi, s\u1ed1 ti\u1ec1n vay s\u1ebd b\u1ecb kh\u1ea5u tr\u1eeb kh\u1ecfi quy\u1ec1n l\u1ee3i t\u1eed vong.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">c. \u1ee8ng D\u1ee5ng Chi\u1ebfn L\u01b0\u1ee3c <strong>Insured Retirement Plan (IRP)<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>S\u1eed d\u1ee5ng gi\u00e1 tr\u1ecb t\u00edch l\u0169y c\u1ee7a b\u1ea3o hi\u1ec3m l\u00e0m t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p \u0111\u1ec3 vay t\u1eeb ng\u00e2n h\u00e0ng m\u00e0 kh\u00f4ng b\u1ecb t\u00ednh thu\u1ebf.<\/li>\n\n\n\n<li>Khi ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m qua \u0111\u1eddi, quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m s\u1ebd d\u00f9ng \u0111\u1ec3 tr\u1ea3 kho\u1ea3n vay tr\u01b0\u1edbc khi ph\u1ea7n c\u00f2n l\u1ea1i \u0111\u01b0\u1ee3c chuy\u1ec3n cho ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">4. L\u1ee3i \u00cdch V\u1ec1 Thu\u1ebf Khi S\u1eed D\u1ee5ng B\u1ea3o Hi\u1ec3m Nh\u00e2n Th\u1ecd V\u0129nh Vi\u1ec5n<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Tr\u00e1nh thu\u1ebf thu nh\u1eadp tr\u00ean l\u00e3i su\u1ea5t t\u00edch l\u0169y<\/strong>: Ti\u1ec1n trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m t\u0103ng tr\u01b0\u1edfng theo c\u01a1 ch\u1ebf ho\u00e3n thu\u1ebf (tax-deferred growth).<\/li>\n\n\n\n<li><strong>T\u1ea1o thu nh\u1eadp kh\u00f4ng ch\u1ecbu thu\u1ebf<\/strong>: S\u1eed d\u1ee5ng Policy Loan ho\u1eb7c IRP gi\u00fap t\u1ea1o d\u00f2ng ti\u1ec1n m\u00e0 kh\u00f4ng c\u1ea7n khai b\u00e1o l\u00e0 thu nh\u1eadp ch\u1ecbu thu\u1ebf.<\/li>\n\n\n\n<li><strong>Chuy\u1ec3n giao t\u00e0i s\u1ea3n kh\u00f4ng ch\u1ecbu thu\u1ebf<\/strong>: Khi qua \u0111\u1eddi, quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c chi tr\u1ea3 cho ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng m\u00e0 kh\u00f4ng b\u1ecb \u0111\u00e1nh thu\u1ebf th\u1eeba k\u1ebf.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">5. V\u00ed D\u1ee5 So S\u00e1nh C\u00e1c Ph\u01b0\u01a1ng \u00c1n R\u00fat Ti\u1ec1n Khi V\u1ec1 H\u01b0u<\/h3>\n\n\n\n<p>Gi\u1ea3 s\u1eed \u00f4ng A c\u1ea7n 50,000 CAD m\u1ed7i n\u0103m \u0111\u1ec3 trang tr\u1ea3i chi ph\u00ed khi v\u1ec1 h\u01b0u. \u00d4ng A c\u00f3 v\u00e0i l\u1ef1a ch\u1ecdn sau:<\/p>\n\n\n\n<p><strong>Opt 1.<\/strong>&nbsp;<strong>T\u1eeb RRSP<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Khi \u00f4ng A r\u00fat 50,000 CAD t\u1eeb RRSP, to\u00e0n b\u1ed9 s\u1ed1 ti\u1ec1n n\u00e0y s\u1ebd \u0111\u01b0\u1ee3c t\u00ednh v\u00e0o thu nh\u1eadp ch\u1ecbu thu\u1ebf c\u1ee7a \u00f4ng. Tuy nhi\u00ean, khi r\u00fat ti\u1ec1n t\u1eeb RRSP, ng\u00e2n h\u00e0ng s\u1ebd\u00a0<strong>kh\u1ea5u tr\u1eeb thu\u1ebf t\u1ea1m gi\u1eef (withholding tax)<\/strong>\u00a0ngay l\u1eadp t\u1ee9c. M\u1ee9c thu\u1ebf n\u00e0y c\u00f3 th\u1ec3 l\u00ean \u0111\u1ebfn\u00a0<strong>30%<\/strong>\u00a0t\u00f9y v\u00e0o s\u1ed1 ti\u1ec1n v\u00e0 t\u1ec9nh c\u01b0 tr\u00fa. Ngh\u0129a l\u00e0, \u00f4ng A s\u1ebd ch\u1ec9 nh\u1eadn \u0111\u01b0\u1ee3c kho\u1ea3ng 35,000 CAD ngay l\u1eadp t\u1ee9c (sau khi \u0111\u00e3 tr\u1eeb thu\u1ebf t\u1ea1m gi\u1eef).<\/li>\n\n\n\n<li>Tuy nhi\u00ean,\u00a0<strong>thu\u1ebf t\u1ea1m gi\u1eef<\/strong>\u00a0ch\u1ec9 l\u00e0 kho\u1ea3n thu\u1ebf t\u1ea1m th\u1eddi. V\u00e0o cu\u1ed1i n\u0103m, khi \u00f4ng A n\u1ed9p t\u1edd khai thu\u1ebf, \u00f4ng c\u00f3 th\u1ec3 ph\u1ea3i tr\u1ea3 th\u00eam thu\u1ebf ho\u1eb7c \u0111\u01b0\u1ee3c ho\u00e0n l\u1ea1i ti\u1ec1n n\u1ebfu thu\u1ebf su\u1ea5t th\u1ef1c t\u1ebf c\u1ee7a \u00f4ng th\u1ea5p h\u01a1n 30% (m\u1ee9c thu\u1ebf t\u1ea1m gi\u1eef).<\/li>\n<\/ul>\n\n\n\n<p><strong><br>&nbsp;Opt 2. T\u1eeb t\u00e0i kho\u1ea3n \u0111\u1ea7u t\u01b0 kh\u00f4ng \u0111\u0103ng k\u00fd (Non-Registered Account)<br><\/strong>N\u1ebfu \u00f4ng A c\u00f3 200,000 CAD ti\u1ec1n v\u1ed1n v\u00e0 30,000 CAD l\u1ee3i nhu\u1eadn trong t\u00e0i kho\u1ea3n Non-Registered, khi r\u00fat 50,000 CAD, ch\u1ec9 ph\u1ea7n l\u1ee3i nhu\u1eadn t\u01b0\u01a1ng \u1ee9ng trong s\u1ed1 ti\u1ec1n r\u00fat m\u1edbi b\u1ecb \u0111\u00e1nh thu\u1ebf. V\u1edbi t\u1ef7 l\u1ec7 l\u1ee3i nhu\u1eadn chi\u1ebfm kho\u1ea3ng&nbsp;<strong>13.04%<\/strong>&nbsp;gi\u00e1 tr\u1ecb t\u00e0i kho\u1ea3n, ph\u1ea7n thu nh\u1eadp ch\u1ecbu thu\u1ebf s\u1ebd l\u00e0&nbsp;<strong>6,520 CAD<\/strong>, nh\u01b0ng ch\u1ec9&nbsp;<strong>50%<\/strong>&nbsp;c\u1ee7a s\u1ed1 n\u00e0y b\u1ecb t\u00ednh v\u00e0o thu nh\u1eadp ch\u1ecbu thu\u1ebf, t\u1ee9c&nbsp;<strong>3,260 CAD<\/strong>. N\u1ebfu thu\u1ebf su\u1ea5t thu nh\u1eadp c\u1ee7a \u00f4ng A l\u00e0 30%, s\u1ed1 thu\u1ebf th\u1ef1c ph\u1ea3i n\u1ed9p ch\u1ec9 l\u00e0&nbsp;<strong>978 CAD<\/strong>.<\/p>\n\n\n\n<p><strong>\u00a0Opt 3: R\u00fat ti\u1ec1n t\u1eeb TFSA<\/strong><br>\u00d4ng A c\u00f3 m\u1ed9t t\u00e0i kho\u1ea3n TFSA v\u1edbi s\u1ed1 d\u01b0\u00a0<strong>300,000 CAD<\/strong>, trong \u0111\u00f3 c\u00f3\u00a0<strong>200,000 CAD<\/strong>\u00a0ti\u1ec1n g\u1ed1c v\u00e0\u00a0<strong>100,000 CAD<\/strong>\u00a0l\u1ee3i nhu\u1eadn \u0111\u1ea7u t\u01b0. N\u1ebfu \u00f4ng A r\u00fat\u00a0<strong>50,000 CAD<\/strong>\u00a0t\u1eeb TFSA, to\u00e0n b\u1ed9 s\u1ed1 ti\u1ec1n n\u00e0y kh\u00f4ng b\u1ecb \u0111\u00e1nh thu\u1ebf, v\u00ec c\u00e1c kho\u1ea3n r\u00fat t\u1eeb TFSA kh\u00f4ng t\u00ednh v\u00e0o thu nh\u1eadp ch\u1ecbu thu\u1ebf. \u0110i\u1ec1u n\u00e0y gi\u00fap \u00f4ng A c\u00f3 ngu\u1ed3n thu nh\u1eadp linh ho\u1ea1t m\u00e0 kh\u00f4ng \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn thu\u1ebf su\u1ea5t c\u00e1 nh\u00e2n hay c\u00e1c l\u1ee3i \u00edch kh\u00e1c c\u1ee7a ch\u00ednh ph\u1ee7.<\/p>\n\n\n\n<p><strong>&nbsp;Opt 4. Thu nh\u1eadp t\u1eeb b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd v\u0129nh vi\u1ec5n (Th\u00f4ng qua Policy Loan)<br><\/strong>\u00d4ng A c\u00f3 m\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd v\u0129nh vi\u1ec5n v\u1edbi gi\u00e1 tr\u1ecb t\u00edch l\u0169y&nbsp;<strong>500,000 CAD<\/strong>. Thay v\u00ec r\u00fat ti\u1ec1n tr\u1ef1c ti\u1ebfp, \u00f4ng s\u1eed d\u1ee5ng h\u1ee3p \u0111\u1ed3ng n\u00e0y \u0111\u1ec3 vay t\u1eeb c\u00f4ng ty b\u1ea3o hi\u1ec3m ho\u1eb7c ng\u00e2n h\u00e0ng v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t&nbsp;<strong>8%<\/strong>. N\u1ebfu vay&nbsp;<strong>50,000 CAD<\/strong>, s\u1ed1 ti\u1ec1n l\u00e3i ph\u1ea3i tr\u1ea3 h\u00e0ng n\u0103m s\u1ebd l\u00e0&nbsp;<strong>4,000 CAD<\/strong>. Tuy nhi\u00ean, s\u1ed1 ti\u1ec1n n\u00e0y kh\u00f4ng b\u1ecb \u0111\u00e1nh thu\u1ebf, gi\u00fap \u00f4ng A duy tr\u00ec \u0111\u01b0\u1ee3c kho\u1ea3n thu nh\u1eadp m\u00e0 kh\u00f4ng l\u00e0m t\u0103ng thu nh\u1eadp ch\u1ecbu thu\u1ebf c\u1ee7a m\u00ecnh. Ngo\u00e0i ra, n\u1ebfu \u00f4ng A kh\u00f4ng tr\u1ea3 kho\u1ea3n vay n\u00e0y v\u00e0 qua \u0111\u1eddi, s\u1ed1 ti\u1ec1n vay s\u1ebd \u0111\u01b0\u1ee3c kh\u1ea5u tr\u1eeb v\u00e0o quy\u1ec1n l\u1ee3i t\u1eed vong (Death Benefit) c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, \u0111\u1ea3m b\u1ea3o t\u00e0i s\u1ea3n v\u1eabn \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7 cho gia \u0111\u00ecnh.<\/p>\n\n\n\n<p>Nh\u01b0 v\u1eady, b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd kh\u00f4ng ch\u1ec9 b\u1ea3o v\u1ec7 t\u00e0i ch\u00ednh m\u00e0 c\u00f2n l\u00e0 m\u1ed9t c\u00f4ng c\u1ee5 t\u1ed1i \u01b0u \u0111\u1ec3 r\u00fat ti\u1ec1n khi v\u1ec1 h\u01b0u v\u1edbi m\u1ee9c thu\u1ebf th\u1ea5p h\u01a1n. D\u0129 nhi\u00ean, m\u1ed7i ph\u01b0\u01a1ng \u00e1n s\u1ebd c\u00f3 \u01b0u v\u00e0 nh\u01b0\u1ee3c \u0111i\u1ec3m kh\u00e1c nhau, n\u00ean th\u00f4ng th\u01b0\u1eddng m\u1ed9t k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh khi v\u1ec1 h\u01b0u t\u1ed1t s\u1ebd k\u1ebft h\u1ee3p nhi\u1ec1u ph\u01b0\u01a1ng th\u1ee9c c\u00f9ng l\u00fac. \u0110\u1ec3 \u00e1p d\u1ee5ng chi\u1ebfn l\u01b0\u1ee3c n\u00e0y hi\u1ec7u qu\u1ea3, h\u00e3y tham kh\u1ea3o \u00fd ki\u1ebfn t\u1eeb c\u1ed1 v\u1ea5n t\u00e0i ch\u00ednh ho\u1eb7c chuy\u00ean gia b\u1ea3o hi\u1ec3m chuy\u00ean nghi\u1ec7p.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>T\u1ed1i \u01b0u h\u00f3a thu nh\u1eadp khi v\u1ec1 h\u01b0u b\u1eb1ng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd v\u0129nh vi\u1ec5n \u2013 Gi\u1ea3i ph\u00e1p t\u00e0i ch\u00ednh gi\u00fap gi\u1ea3m thu\u1ebf thu nh\u1eadp c\u00e1 nh\u00e2n, t\u1ea1o thu nh\u1eadp th\u1ee5 \u0111\u1ed9ng v\u00e0 b\u1ea3o v\u1ec7 t\u00e0i s\u1ea3n cho th\u1ebf h\u1ec7 sau!<\/p>\n","protected":false},"author":2,"featured_media":3402,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_eb_attr":"","footnotes":""},"categories":[28,25,46],"tags":[48,47],"class_list":["post-3401","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bao-hiem-nhan-tho","category-bao-hiem","category-tai-chinh","tag-bao-hiem","tag-tai-chinh"],"_links":{"self":[{"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/posts\/3401","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/comments?post=3401"}],"version-history":[{"count":0,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/posts\/3401\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/media\/3402"}],"wp:attachment":[{"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/media?parent=3401"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/categories?post=3401"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/tags?post=3401"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}