{"id":3665,"date":"2026-10-09T00:18:33","date_gmt":"2026-10-08T19:18:33","guid":{"rendered":"https:\/\/101insurance.ca\/?p=3665"},"modified":"2026-10-09T00:23:45","modified_gmt":"2026-10-08T19:23:45","slug":"bao-hiem-nhan-tho-bao-nhieu-la-du","status":"publish","type":"post","link":"https:\/\/101insurance.ca\/vi\/bao-hiem-nhan-tho-bao-nhieu-la-du\/","title":{"rendered":"C\u1ea7n bao nhi\u00eau b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd l\u00e0 \u0111\u1ee7 cho m\u1ed9t gia \u0111\u00ecnh \u1edf Canada?"},"content":{"rendered":"\n<figure class=\"wp-block-image size-full\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1672\" height=\"941\" src=\"https:\/\/101insurance.ca\/wp-content\/uploads\/2026\/10\/1.-Can-bao-nhieu-la-du-cho-insurance-resize.jpg\" alt=\"\" class=\"wp-image-3666\"\/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u00e2y th\u01b0\u1eddng l\u00e0 m\u1ed9t trong nh\u1eefng c\u00e2u h\u1ecfi \u0111\u1ea7u ti\u00ean khi b\u1ea1n b\u1eaft \u0111\u1ea7u ngh\u0129 t\u1edbi vi\u1ec7c mua b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>N\u00ean mua $250,000, $500,000 hay $1 tri\u1ec7u?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nghe c\u00f3 v\u1ebb kh\u00e1 v\u00f4 ch\u1eebng. V\u00e0 th\u1eadt ra \u0111\u00fang l\u00e0 nh\u01b0 v\u1eady.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Kh\u00f4ng c\u00f3 m\u1ed9t con s\u1ed1 \u0111\u00fang cho t\u1ea5t c\u1ea3 m\u1ecdi ng\u01b0\u1eddi.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00f3 r\u1ea5t nhi\u1ec1u kh\u00e1ch h\u00e0ng g\u1ecdi cho m\u00ecnh v\u00e0 r\u1ea5t quy\u1ebft \u0111o\u00e1n:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cEm g\u1eedi gi\u00fap ch\u1ecb quote cho m\u1ee9c b\u1ea3o hi\u1ec3m $100,000 nh\u00e9!\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00e2u m\u00ecnh th\u01b0\u1eddng h\u1ecfi l\u1ea1i ngay sau \u0111\u00f3 l\u00e0:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u201cT\u1ea1i sao ch\u1ecb l\u1ea1i ch\u1ecdn $100,000?\u201d<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">V\u00e0 s\u1ef1 th\u1eadt l\u00e0 r\u1ea5t \u00edt ng\u01b0\u1eddi th\u1ef1c s\u1ef1 bi\u1ebft m\u00ecnh c\u1ea7n bao nhi\u00eau. \u0110a ph\u1ea7n ch\u00fang ta ch\u1ecdn m\u1ed9t con s\u1ed1 v\u00ec c\u1ea3m th\u1ea5y n\u00f3 \u201cc\u00f3 v\u1ebb \u0111\u1ee7\u201d, ho\u1eb7c v\u00ec nghe ng\u01b0\u1eddi kh\u00e1c c\u0169ng mua ch\u1eebng \u0111\u00f3.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>V\u1eady bao nhi\u00eau m\u1edbi l\u00e0 \u0111\u1ee7?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Th\u1eadt ra, \u0111\u1ec3 tr\u1ea3 l\u1eddi c\u00e2u h\u1ecfi n\u00e0y kh\u00f4ng ph\u1ee9c t\u1ea1p nh\u01b0 b\u1ea1n ngh\u0129.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00e3y b\u1eaft \u0111\u1ea7u b\u1eb1ng m\u1ed9t c\u00e2u h\u1ecfi \u0111\u01a1n gi\u1ea3n:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u201cN\u1ebfu m\u1ed9t ng\u00e0y t\u00f4i \u0111\u1ed9t ng\u1ed9t qua \u0111\u1eddi, gia \u0111\u00ecnh t\u00f4i c\u1ea7n bao nhi\u00eau ti\u1ec1n \u0111\u1ec3 ti\u1ebfp t\u1ee5c cu\u1ed9c s\u1ed1ng?\u201d<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">T\u1eeb c\u00e2u h\u1ecfi \u0111\u00f3, ch\u00fang ta c\u00f3 th\u1ec3 b\u1eaft \u0111\u1ea7u t\u00ednh.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-vivid-cyan-blue-color has-text-color has-link-color wp-elements-1\"><strong>1. Life insurance th\u1ef1c s\u1ef1 d\u00f9ng \u0111\u1ec3 l\u00e0m g\u00ec?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Nhi\u1ec1u ng\u01b0\u1eddi ngh\u0129 kh\u00e1 \u0111\u01a1n gi\u1ea3n r\u1eb1ng life insurance l\u00e0 \u0111\u1ec3 l\u1ea1i m\u1ed9t c\u1ee5c ti\u1ec1n th\u1eadt l\u1edbn cho gia \u0111\u00ecnh khi m\u00ecnh m\u1ea5t.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nh\u01b0ng m\u1ee5c \u0111\u00edch quan tr\u1ecdng h\u01a1n c\u1ee7a life insurance l\u00e0 <strong>thay th\u1ebf nh\u1eefng gi\u00e1 tr\u1ecb t\u00e0i ch\u00ednh m\u00e0 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m kh\u00f4ng c\u00f2n c\u00f3 th\u1ec3 cung c\u1ea5p khi h\u1ecd qua \u0111\u1eddi.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nh\u1eefng nhu c\u1ea7u \u0111\u00f3 th\u01b0\u1eddng \u0111\u01b0\u1ee3c chia th\u00e0nh hai nh\u00f3m.<\/p>\n\n\n\n<p class=\"has-vivid-cyan-blue-color has-text-color has-link-color wp-elements-2 wp-block-paragraph\"><strong>1.1. Nhu c\u1ea7u tr\u01b0\u1edbc m\u1eaft<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Chi ph\u00ed h\u1eadu s\u1ef1<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Tang l\u1ec5 v\u00e0 nh\u1eefng chi ph\u00ed ph\u00e1t sinh ngay sau khi m\u1ed9t ng\u01b0\u1eddi qua \u0111\u1eddi.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>C\u00e1c kho\u1ea3n n\u1ee3<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">V\u00ed d\u1ee5 nh\u01b0 n\u1ee3 c\u00e1 nh\u00e2n, line of credit, credit card, car loan&#8230;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Mortgage<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Mortgage c\u0169ng l\u00e0 m\u1ed9t kho\u1ea3n n\u1ee3, nh\u01b0ng th\u01b0\u1eddng l\u00e0 kho\u1ea3n n\u1ee3 l\u1edbn nh\u1ea5t trong \u0111\u1eddi c\u1ee7a m\u1ed9t gia \u0111\u00ecnh. \ud83d\ude0a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B\u1ea1n c\u00f3 th\u1ec3 t\u1ef1 h\u1ecfi:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u201cN\u1ebfu m\u00ecnh m\u1ea5t ng\u00e0y mai, m\u00ecnh c\u00f3 mu\u1ed1n ng\u01b0\u1eddi c\u00f2n l\u1ea1i ph\u1ea3i ti\u1ebfp t\u1ee5c g\u00e1nh to\u00e0n b\u1ed9 mortgage kh\u00f4ng?\u201d<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tuy nhi\u00ean, kh\u00f4ng ph\u1ea3i gia \u0111\u00ecnh n\u00e0o c\u0169ng c\u1ea7n mua \u0111\u1ee7 b\u1ea3o hi\u1ec3m \u0111\u1ec3 tr\u1ea3 s\u1ea1ch mortgage.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">V\u00ed d\u1ee5, n\u1ebfu ng\u01b0\u1eddi c\u00f2n l\u1ea1i v\u1eabn c\u00f3 thu nh\u1eadp t\u1ed1t, m\u1ee5c ti\u00eau c\u1ee7a b\u1ea1n c\u00f3 th\u1ec3 ch\u1ec9 l\u00e0 gi\u1ea3m mortgage xu\u1ed1ng m\u1ed9t m\u1ee9c m\u00e0 h\u1ecd c\u00f3 th\u1ec3 ti\u1ebfp t\u1ee5c chi tr\u1ea3 tho\u1ea3i m\u00e1i.<\/p>\n\n\n\n<p class=\"has-vivid-cyan-blue-color has-text-color has-link-color wp-elements-3 wp-block-paragraph\"><strong>1.2. Nhu c\u1ea7u c\u1ee7a gia \u0111\u00ecnh trong t\u01b0\u01a1ng lai<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u00e2y m\u1edbi l\u00e0 ph\u1ea7n d\u1ec5 b\u1ecb b\u1ecf s\u00f3t.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Chi ph\u00ed ch\u0103m s\u00f3c con<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu gia \u0111\u00ecnh m\u1ea5t \u0111i m\u1ed9t ng\u01b0\u1eddi ch\u0103m s\u00f3c, li\u1ec7u c\u00f3 ph\u00e1t sinh th\u00eam chi ph\u00ed hay kh\u00f4ng?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00f3 th\u1ec3 l\u00e0 daycare, before\/after-school care, summer camps, ng\u01b0\u1eddi \u0111\u01b0a \u0111\u00f3n ho\u1eb7c nh\u1eefng chi ph\u00ed ch\u0103m s\u00f3c kh\u00e1c.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">V\u00e0 n\u00ean nh\u1edb:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Con c\u00e0ng nh\u1ecf, th\u1eddi gian gia \u0111\u00ecnh c\u1ea7n \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 t\u00e0i ch\u00ednh c\u00e0ng d\u00e0i.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u1ed9t gia \u0111\u00ecnh c\u00f3 con 2 v\u00e0 5 tu\u1ed5i s\u1ebd c\u00f3 nhu c\u1ea7u r\u1ea5t kh\u00e1c v\u1edbi m\u1ed9t gia \u0111\u00ecnh c\u00f3 con 17 v\u00e0 20 tu\u1ed5i.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Chi ph\u00ed gi\u00e1o d\u1ee5c<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu b\u1ea1n kh\u00f4ng c\u00f2n \u1edf \u0111\u00e2y, b\u1ea1n v\u1eabn mu\u1ed1n \u0111\u00f3ng g\u00f3p bao nhi\u00eau cho vi\u1ec7c h\u1ecdc c\u1ee7a con?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kho\u1ea3n n\u00e0y \u0111\u00f4i khi kh\u00e1 d\u1ec5 b\u1ecb b\u1ecf qua.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00e1 nh\u00e2n m\u00ecnh r\u1ea5t coi tr\u1ecdng vi\u1ec7c c\u00e1c con c\u00f3 \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n t\u00e0i ch\u00ednh \u0111\u1ec3 h\u1ecdc sau trung h\u1ecdc. V\u00ec v\u1eady, khi t\u00ednh coverage cho ch\u00ednh m\u00ecnh, m\u00ecnh lu\u00f4n d\u00e0nh m\u1ed9t kho\u1ea3n d\u1ef1 ki\u1ebfn \u0111\u1ec3 c\u00e1c con c\u00f3 th\u1ec3 ho\u00e0n th\u00e0nh \u00edt nh\u1ea5t b\u1ed1n n\u0103m \u0111\u1ea1i h\u1ecdc.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u1ed7i gia \u0111\u00ecnh s\u1ebd c\u00f3 m\u1ed9t m\u1ee5c ti\u00eau kh\u00e1c nhau. \u0110i\u1ec1u quan tr\u1ecdng l\u00e0 b\u1ea1n x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau c\u1ee7a m\u00ecnh l\u00e0 g\u00ec.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Chi ph\u00ed sinh ho\u1ea1t c\u1ee7a gia \u0111\u00ecnh<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u00e2y th\u01b0\u1eddng l\u00e0 m\u1ed9t trong nh\u1eefng kho\u1ea3n l\u1edbn nh\u1ea5t.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu thu nh\u1eadp c\u1ee7a b\u1ea1n bi\u1ebfn m\u1ea5t, gia \u0111\u00ecnh c\u00f3 c\u1ea7n thay th\u1ebf to\u00e0n b\u1ed9 s\u1ed1 ti\u1ec1n \u0111\u00f3 kh\u00f4ng?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng nh\u1ea5t thi\u1ebft.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u1ed9t s\u1ed1 chi ph\u00ed c\u1ee7a b\u1ea1n c\u0169ng s\u1ebd kh\u00f4ng c\u00f2n n\u1eefa. Nh\u01b0ng mortgage ho\u1eb7c ti\u1ec1n thu\u00ea nh\u00e0, groceries, utilities, childcare v\u00e0 r\u1ea5t nhi\u1ec1u chi ph\u00ed nu\u00f4i con v\u1eabn ti\u1ebfp t\u1ee5c.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">V\u00ed d\u1ee5, sau khi t\u00ednh to\u00e1n, b\u1ea1n th\u1ea5y gia \u0111\u00ecnh c\u1ea7n th\u00eam kho\u1ea3ng $40,000 m\u1ed7i n\u0103m \u0111\u1ec3 duy tr\u00ec cu\u1ed9c s\u1ed1ng hi\u1ec7n t\u1ea1i trong 10 n\u0103m.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ch\u1ec9 ri\u00eang kho\u1ea3n n\u00e0y \u0111\u00e3 l\u00e0:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>$40,000 \u00d7 10 n\u0103m = $400,000<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u00e2y m\u1edbi ch\u1ec9 l\u00e0 ph\u00e9p t\u00ednh \u0111\u01a1n gi\u1ea3n, ch\u01b0a t\u00ednh \u0111\u1ebfn nh\u1eefng y\u1ebfu t\u1ed1 nh\u01b0 l\u1ee3i nhu\u1eadn \u0111\u1ea7u t\u01b0, l\u1ea1m ph\u00e1t hay thu\u1ebf.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu kh\u00f4ng mu\u1ed1n t\u00ednh chi ti\u1ebft, \u0111\u00f4i khi ng\u01b0\u1eddi ta d\u00f9ng m\u1ee9c kho\u1ea3ng <strong>5\u201310 l\u1ea7n thu nh\u1eadp h\u00e0ng n\u0103m<\/strong> nh\u01b0 m\u1ed9t c\u00e1ch \u01b0\u1edbc t\u00ednh nhanh.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nh\u01b0ng \u0111\u00e2y ch\u1ec9 l\u00e0 rule of thumb. M\u1ed9t gia \u0111\u00ecnh c\u00f3 hai con nh\u1ecf v\u00e0 mortgage l\u1edbn r\u00f5 r\u00e0ng s\u1ebd kh\u00e1c m\u1ed9t gia \u0111\u00ecnh kh\u00f4ng c\u00f3 con v\u00e0 \u0111\u00e3 g\u1ea7n tr\u1ea3 h\u1ebft nh\u00e0.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ngo\u00e0i ra, b\u1ea1n c\u0169ng c\u00f3 th\u1ec3 c\u1ed9ng th\u00eam nh\u1eefng m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh kh\u00e1c m\u00e0 m\u00ecnh v\u1eabn mu\u1ed1n gia \u0111\u00ecnh th\u1ef1c hi\u1ec7n \u0111\u01b0\u1ee3c, ho\u1eb7c \u0111\u01a1n gi\u1ea3n l\u00e0 m\u1ed9t kho\u1ea3n d\u01b0 m\u00e0 b\u1ea1n mong mu\u1ed1n \u0111\u1ec3 l\u1ea1i cho nh\u1eefng ng\u01b0\u1eddi m\u00ecnh y\u00eau th\u01b0\u01a1ng.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-vivid-cyan-blue-color has-text-color has-link-color wp-elements-4\"><strong>2. M\u1ed9t c\u00f4ng th\u1ee9c \u0111\u01a1n gi\u1ea3n \u0111\u1ec3 \u01b0\u1edbc t\u00ednh nhu c\u1ea7u b\u1ea3o hi\u1ec3m<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Sau khi x\u00e1c \u0111\u1ecbnh nh\u1eefng nhu c\u1ea7u tr\u00ean, b\u1ea1n c\u00f3 th\u1ec3 d\u00f9ng m\u1ed9t c\u00f4ng th\u1ee9c kh\u00e1 \u0111\u01a1n gi\u1ea3n:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Insurance Need = C\u00e1c kho\u1ea3n n\u1ee3 + Nhu c\u1ea7u t\u01b0\u01a1ng lai c\u1ee7a gia \u0111\u00ecnh + Thu nh\u1eadp c\u1ea7n thay th\u1ebf \u2212 T\u00e0i s\u1ea3n hi\u1ec7n c\u00f3 \u2212 B\u1ea3o hi\u1ec3m hi\u1ec7n c\u00f3<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Trong \u201cc\u00e1c kho\u1ea3n n\u1ee3\u201d c\u00f3 th\u1ec3 bao g\u1ed3m mortgage n\u1ebfu m\u1ee5c ti\u00eau c\u1ee7a b\u1ea1n l\u00e0 tr\u1ea3 h\u1ebft ho\u1eb7c gi\u1ea3m kho\u1ea3n vay n\u00e0y.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sau khi c\u1ed9ng nh\u1eefng kho\u1ea3n gia \u0111\u00ecnh c\u1ea7n, h\u00e3y tr\u1eeb \u0111i nh\u1eefng ngu\u1ed3n t\u00e0i ch\u00ednh m\u00e0 gia \u0111\u00ecnh \u0111\u00e3 c\u00f3, v\u00ed d\u1ee5:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Savings<\/li>\n\n\n\n<li>Non-registered investments<\/li>\n\n\n\n<li>TFSA<\/li>\n\n\n\n<li>Life insurance hi\u1ec7n c\u00f3<\/li>\n\n\n\n<li>Group life insurance t\u1eeb c\u00f4ng ty<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Nh\u01b0ng c\u00f3 m\u1ed9t \u0111i\u1ec3m c\u1ea7n l\u01b0u \u00fd:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Kh\u00f4ng ph\u1ea3i t\u00e0i s\u1ea3n n\u00e0o b\u1ea1n \u0111ang c\u00f3 c\u0169ng m\u1eb7c \u0111\u1ecbnh n\u00ean \u0111\u01b0\u1ee3c \u0111em ra ti\u00eau n\u1ebfu b\u1ea1n qua \u0111\u1eddi.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">V\u00ed d\u1ee5, RRSP d\u00e0nh cho retirement c\u1ee7a ng\u01b0\u1eddi c\u00f2n l\u1ea1i c\u00f3 th\u1ec3 kh\u00f4ng ph\u1ea3i l\u00e0 kho\u1ea3n m\u00e0 gia \u0111\u00ecnh mu\u1ed1n r\u00fat ra \u0111\u1ec3 tr\u1ea3 mortgage.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">V\u00ec v\u1eady, khi tr\u1eeb t\u00e0i s\u1ea3n hi\u1ec7n c\u00f3, h\u00e3y t\u1ef1 h\u1ecfi:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u201cM\u00ecnh c\u00f3 th\u1ef1c s\u1ef1 mu\u1ed1n gia \u0111\u00ecnh s\u1eed d\u1ee5ng kho\u1ea3n ti\u1ec1n n\u00e0y cho m\u1ee5c \u0111\u00edch \u0111\u00f3 kh\u00f4ng?\u201d<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D\u0129 nhi\u00ean, khi l\u00e0m needs analysis cho kh\u00e1ch h\u00e0ng, m\u00ecnh kh\u00f4ng ng\u1ed3i c\u1ed9ng tr\u1eeb th\u1ee7 c\u00f4ng t\u1eebng kho\u1ea3n nh\u01b0 th\u1ebf n\u00e0y. M\u00ecnh c\u00f3 c\u00f4ng c\u1ee5 \u0111\u1ec3 t\u00ednh to\u00e1n chi ti\u1ebft h\u01a1n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu b\u1ea1n mu\u1ed1n t\u1ef1 t\u00ednh tr\u01b0\u1edbc, c\u1ee9 nh\u1eafn m\u00ecnh. M\u00ecnh c\u00f3 th\u1ec3 g\u1eedi file \u0111\u1ec3 b\u1ea1n t\u1ef1 \u0111i\u1ec1n th\u1eed. C\u00f2n n\u1ebfu mu\u1ed1n m\u00ecnh c\u00f9ng t\u00ednh th\u00ec c\u00f3 th\u1ec3 book m\u1ed9t bu\u1ed5i h\u1eb9n v\u1edbi m\u00ecnh.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-vivid-cyan-blue-color has-text-color has-link-color wp-elements-5\"><strong>3. \u0110\u1eebng qu\u00ean gi\u00e1 tr\u1ecb c\u1ee7a ng\u01b0\u1eddi kh\u00f4ng t\u1ea1o ra thu nh\u1eadp<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u00e2y l\u00e0 m\u1ed9t \u0111i\u1ec3m r\u1ea5t d\u1ec5 b\u1ecb b\u1ecf qua.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Gi\u1ea3 s\u1eed m\u1ed9t ng\u01b0\u1eddi \u1edf nh\u00e0 ch\u0103m con v\u00e0 hi\u1ec7n c\u00f3 thu nh\u1eadp b\u1eb1ng $0.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00f3 ph\u1ea3i ng\u01b0\u1eddi \u0111\u00f3 kh\u00f4ng c\u1ea7n life insurance?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00e3y th\u1eed ngh\u0129 xem n\u1ebfu ng\u01b0\u1eddi \u0111\u00f3 kh\u00f4ng c\u00f2n n\u1eefa:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ai s\u1ebd ch\u0103m con?<\/li>\n\n\n\n<li>Gia \u0111\u00ecnh c\u00f3 ph\u1ea3i tr\u1ea3 th\u00eam daycare kh\u00f4ng?<\/li>\n\n\n\n<li>Ai \u0111\u01b0a \u0111\u00f3n con \u0111i h\u1ecdc?<\/li>\n\n\n\n<li>Ai n\u1ea5u \u0103n, d\u1ecdn d\u1eb9p?<\/li>\n\n\n\n<li>Ng\u01b0\u1eddi c\u00f2n l\u1ea1i c\u00f3 ph\u1ea3i gi\u1ea3m gi\u1edd l\u00e0m \u0111\u1ec3 ch\u0103m s\u00f3c gia \u0111\u00ecnh kh\u00f4ng?<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">T\u1ea5t c\u1ea3 nh\u1eefng c\u00f4ng vi\u1ec7c \u0111\u00f3 \u0111\u1ec1u c\u00f3 gi\u00e1 tr\u1ecb kinh t\u1ebf, d\u00f9 ch\u00fang kh\u00f4ng t\u1ea1o ra m\u1ed9t paycheque h\u00e0ng th\u00e1ng.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">V\u00ec v\u1eady:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Thu nh\u1eadp b\u1eb1ng $0 kh\u00f4ng c\u00f3 ngh\u0129a l\u00e0 gi\u00e1 tr\u1ecb t\u00e0i ch\u00ednh \u0111\u1ed1i v\u1edbi gia \u0111\u00ecnh b\u1eb1ng $0.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-vivid-cyan-blue-color has-text-color has-link-color wp-elements-6\"><strong>4. Khi n\u00e0o n\u00ean t\u00ednh l\u1ea1i Insurance Needs?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Life insurance kh\u00f4ng ph\u1ea3i l\u00e0 th\u1ee9 mua xong r\u1ed3i qu\u00ean trong 20 n\u0103m.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nhu c\u1ea7u b\u1ea3o hi\u1ec3m c\u1ee7a ch\u00fang ta thay \u0111\u1ed5i theo cu\u1ed9c s\u1ed1ng.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B\u1ea1n n\u00ean xem l\u1ea1i coverage khi c\u00f3 nh\u1eefng thay \u0111\u1ed5i l\u1edbn nh\u01b0:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>K\u1ebft h\u00f4n \u2192 C\u00f3 con \u2192 Mua nh\u00e0 \u2192 Thay \u0111\u1ed5i thu nh\u1eadp \u2192 Vay th\u00eam mortgage \u2192 Ly th\u00e2n\/ly h\u00f4n \u2192 Con tr\u01b0\u1edfng th\u00e0nh \u2192 T\u00e0i s\u1ea3n thay \u0111\u1ed5i \u0111\u00e1ng k\u1ec3<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u1ed9t policy ph\u00f9 h\u1ee3p v\u1edbi b\u1ea1n \u1edf tu\u1ed5i 30 ch\u01b0a ch\u1eafc v\u1eabn c\u00f2n ph\u00f9 h\u1ee3p \u1edf tu\u1ed5i 40.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>V\u1eady cu\u1ed1i c\u00f9ng, $500,000 hay $1 tri\u1ec7u m\u1edbi \u0111\u1ee7?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00e2u tr\u1ea3 l\u1eddi v\u1eabn l\u00e0:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>T\u00f9y v\u00e0o gia \u0111\u00ecnh c\u1ee7a b\u1ea1n.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">$500,000 c\u00f3 th\u1ec3 nhi\u1ec1u h\u01a1n m\u1ee9c c\u1ea7n thi\u1ebft \u0111\u1ed1i v\u1edbi m\u1ed9t ng\u01b0\u1eddi, trong khi $1 tri\u1ec7u v\u1eabn c\u00f3 th\u1ec3 ch\u01b0a \u0111\u1ee7 \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi kh\u00e1c.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">V\u00ec v\u1eady, thay v\u00ec b\u1eaft \u0111\u1ea7u b\u1eb1ng c\u00e2u h\u1ecfi:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u201cT\u00f4i n\u00ean mua policy bao nhi\u00eau?\u201d<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00e3y th\u1eed h\u1ecfi:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u201cN\u1ebfu thu nh\u1eadp v\u00e0 nh\u1eefng \u0111\u00f3ng g\u00f3p c\u1ee7a t\u00f4i bi\u1ebfn m\u1ea5t ng\u00e0y mai, t\u00f4i mu\u1ed1n gia \u0111\u00ecnh m\u00ecnh v\u1eabn c\u00f3 th\u1ec3 l\u00e0m \u0111\u01b0\u1ee3c nh\u1eefng g\u00ec?\u201d<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu b\u1ea1n ch\u01b0a bi\u1ebft coverage hi\u1ec7n t\u1ea1i c\u1ee7a m\u00ecnh \u0111ang thi\u1ebfu, \u0111\u1ee7 hay d\u01b0, h\u00e3y b\u1eaft \u0111\u1ea7u b\u1eb1ng m\u1ed9t needs analysis.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Li\u1ec7t k\u00ea c\u00e1c kho\u1ea3n n\u1ee3, mortgage, nhu c\u1ea7u c\u1ee7a con, thu nh\u1eadp c\u1ea7n thay th\u1ebf v\u00e0 nh\u1eefng t\u00e0i s\u1ea3n c\u0169ng nh\u01b0 b\u1ea3o hi\u1ec3m m\u00e0 b\u1ea1n \u0111\u00e3 c\u00f3.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">T\u1eeb \u0111\u00f3, b\u1ea1n m\u1edbi bi\u1ebft m\u00ecnh th\u1ef1c s\u1ef1 c\u1ea7n b\u1ea3o v\u1ec7 bao nhi\u00eau \u2014 tr\u01b0\u1edbc khi ngh\u0129 \u0111\u1ebfn vi\u1ec7c n\u00ean mua s\u1ea3n ph\u1ea9m n\u00e0o.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu c\u1ea7n, m\u00ecnh c\u00f3 th\u1ec3 c\u00f9ng b\u1ea1n th\u1ef1c hi\u1ec7n ph\u00e9p t\u00ednh n\u00e0y d\u1ef1a tr\u00ean ho\u00e0n c\u1ea3nh th\u1ef1c t\u1ebf c\u1ee7a gia \u0111\u00ecnh. Ho\u1eb7c n\u1ebfu ch\u1ec9 mu\u1ed1n t\u1ef1 t\u00ednh th\u1eed tr\u01b0\u1edbc, c\u1ee9 nh\u1eafn m\u00ecnh xin file Insurance Needs Calculator.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em><strong>Disclaimer:<\/strong> B\u00e0i vi\u1ebft nh\u1eb1m m\u1ee5c \u0111\u00edch cung c\u1ea5p th\u00f4ng tin chung v\u00e0 kh\u00f4ng thay th\u1ebf cho t\u01b0 v\u1ea5n t\u00e0i ch\u00ednh, thu\u1ebf ho\u1eb7c ph\u00e1p l\u00fd ph\u00f9 h\u1ee3p v\u1edbi ho\u00e0n c\u1ea3nh c\u00e1 nh\u00e2n.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Bao nhi\u00eau b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd l\u00e0 \u0111\u1ee7: $250,000, $500,000 hay $1 tri\u1ec7u? Kh\u00f4ng c\u00f3 m\u1ed9t con s\u1ed1 ph\u00f9 h\u1ee3p cho t\u1ea5t c\u1ea3 m\u1ecdi gia \u0111\u00ecnh \u1edf Canada. C\u00f9ng t\u00ecm hi\u1ec3u c\u00e1ch t\u00ednh Insurance Needs d\u1ef1a tr\u00ean mortgage, c\u00e1c kho\u1ea3n n\u1ee3, thu nh\u1eadp c\u1ea7n thay th\u1ebf, chi ph\u00ed nu\u00f4i con v\u00e0 nh\u1eefng t\u00e0i s\u1ea3n hi\u1ec7n c\u00f3 \u0111\u1ec3 l\u1ef1a ch\u1ecdn m\u1ee9c b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p v\u1edbi gia \u0111\u00ecnh b\u1ea1n.<\/p>\n","protected":false},"author":2,"featured_media":3666,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_eb_attr":"","footnotes":""},"categories":[28,25,14],"tags":[48,47],"class_list":["post-3665","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bao-hiem-nhan-tho","category-bao-hiem","category-uncategorized-vi","tag-bao-hiem","tag-tai-chinh"],"_links":{"self":[{"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/posts\/3665","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=3665"}],"version-history":[{"count":2,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/posts\/3665\/revisions"}],"predecessor-version":[{"id":3672,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/posts\/3665\/revisions\/3672"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/media\/3666"}],"wp:attachment":[{"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/media?parent=3665"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/categories?post=3665"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/tags?post=3665"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}