{"id":3696,"date":"2026-10-16T03:56:11","date_gmt":"2026-10-15T22:56:11","guid":{"rendered":"https:\/\/101insurance.ca\/?p=3696"},"modified":"2026-10-16T04:03:08","modified_gmt":"2026-10-15T23:03:08","slug":"term-vs-permanent-life-insurance-canada","status":"publish","type":"post","link":"https:\/\/101insurance.ca\/vi\/term-vs-permanent-life-insurance-canada\/","title":{"rendered":"Term vs Permanent Life Insurance t\u1ea1i Canada: N\u00ean ch\u1ecdn lo\u1ea1i n\u00e0o?"},"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\/3.-Term-hay-Permanent_-Chon-bao-hiem-phu-hop-resize.jpg\" alt=\"\" class=\"wp-image-3699\"\/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u201cSao c\u00f9ng l\u00e0 $500,000 b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd m\u00e0 c\u00f3 lo\u1ea1i ch\u1ec9 v\u00e0i ch\u1ee5c \u0111\u00f4 m\u1ed7i th\u00e1ng, c\u00f2n lo\u1ea1i kh\u00e1c l\u1ea1i v\u00e0i tr\u0103m \u0111\u00f4?\u201d <\/strong>\u0110\u00e2y l\u00e0 m\u1ed9t trong nh\u1eefng th\u1eafc m\u1eafc m\u00ecnh th\u01b0\u1eddng g\u1eb7p khi trao \u0111\u1ed5i v\u1edbi kh\u00e1ch h\u00e0ng v\u1ec1 Life Insurance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu \u0111ang t\u00ecm hi\u1ec3u Term vs Permanent Life Insurance t\u1ea1i Canada, b\u1ea1n s\u1ebd th\u1ea5y hai lo\u1ea1i n\u00e0y c\u00f3 th\u1ec3 c\u00f3 m\u1ee9c premium r\u1ea5t kh\u00e1c nhau d\u00f9 c\u00f9ng $500,000 coverage. L\u00fd do kh\u00f4ng ch\u1ec9 n\u1eb1m \u1edf gi\u00e1: m\u1ed9t lo\u1ea1i t\u1eadp trung b\u1ea3o v\u1ec7 trong giai \u0111o\u1ea1n nh\u1ea5t \u0111\u1ecbnh, lo\u1ea1i c\u00f2n l\u1ea1i h\u01b0\u1edbng \u0111\u1ebfn nhu c\u1ea7u d\u00e0i h\u1ea1n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Trong qu\u00e1 tr\u00ecnh t\u01b0 v\u1ea5n, m\u00ecnh th\u01b0\u1eddng kh\u00f4ng b\u1eaft \u0111\u1ea7u b\u1eb1ng c\u00e2u h\u1ecfi \u201cB\u1ea1n th\u00edch Term hay Permanent?\u201d, m\u00e0 mu\u1ed1n bi\u1ebft gia \u0111\u00ecnh \u0111ang c\u1ea7n b\u1ea3o v\u1ec7 \u0111i\u1ec1u g\u00ec, trong bao l\u00e2u v\u00e0 c\u00f3 th\u1ec3 d\u00e0nh bao nhi\u00eau ng\u00e2n s\u00e1ch. V\u00ec m\u1ed9t h\u1ee3p \u0111\u1ed3ng ph\u00f9 h\u1ee3p kh\u00f4ng ch\u1ec9 l\u00e0 h\u1ee3p \u0111\u1ed3ng c\u00f3 nhi\u1ec1u t\u00ednh n\u0103ng, m\u00e0 c\u00f2n ph\u1ea3i \u0111\u1ee7 coverage v\u00e0 duy tr\u00ec \u0111\u01b0\u1ee3c l\u00e2u d\u00e0i.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc khi t\u00ecm hi\u1ec3u n\u00ean ch\u1ecdn Term hay Permanent, m\u00ecnh ngh\u0129 c\u00f3 m\u1ed9t c\u00e2u h\u1ecfi c\u00f2n quan tr\u1ecdng h\u01a1n: Gia \u0111\u00ecnh b\u1ea1n th\u1ef1c s\u1ef1 c\u1ea7n bao nhi\u00eau b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu b\u1ea1n ch\u01b0a x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c m\u1ee9c coverage ph\u00f9 h\u1ee3p, c\u00f3 th\u1ec3 tham kh\u1ea3o b\u00e0i vi\u1ebft tr\u01b0\u1edbc c\u1ee7a m\u00ecnh: <strong><a href=\"https:\/\/101insurance.ca\/vi\/bao-hiem-nhan-tho-bao-nhieu-la-du\">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?<\/a><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">1. Term Life Insurance l\u00e0 g\u00ec?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Term Life Insurance (b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd c\u00f3 th\u1eddi h\u1ea1n) b\u1ea3o v\u1ec7 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m trong m\u1ed9t kho\u1ea3ng th\u1eddi gian x\u00e1c \u0111\u1ecbnh, ch\u1eb3ng h\u1ea1n 10, 20 ho\u1eb7c 30 n\u0103m, t\u00f9y s\u1ea3n ph\u1ea9m. N\u1ebfu ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m qua \u0111\u1eddi khi h\u1ee3p \u0111\u1ed3ng c\u00f2n hi\u1ec7u l\u1ef1c, quy\u1ec1n l\u1ee3i t\u1eed vong (death benefit) s\u1ebd \u0111\u01b0\u1ee3c chi tr\u1ea3 theo \u0111i\u1ec1u kho\u1ea3n h\u1ee3p \u0111\u1ed3ng.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u00ecnh hay v\u00ed Term gi\u1ed1ng nh\u01b0 thu\u00ea nh\u00e0: b\u1ea1n tr\u1ea3 ti\u1ec1n \u0111\u1ec3 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng s\u1ef1 b\u1ea3o v\u1ec7 trong kho\u1ea3ng th\u1eddi gian m\u00ecnh c\u1ea7n, ch\u1ee9 kh\u00f4ng ph\u1ea3i \u0111\u1ec3 t\u00edch l\u0169y gi\u00e1 tr\u1ecb s\u1edf h\u1eefu. C\u00e1ch v\u00ed n\u00e0y kh\u00f4ng ho\u00e0n to\u00e0n gi\u1ed1ng v\u1ec1 m\u1eb7t k\u1ef9 thu\u1eadt, nh\u01b0ng kh\u00e1 d\u1ec5 h\u00ecnh dung v\u00ec Term th\u01b0\u1eddng kh\u00f4ng c\u00f3 cash value.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Nh\u1eefng \u0111i\u1ec3m c\u1ea7n bi\u1ebft v\u1ec1 Term<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Premium ban \u0111\u1ea7u th\u01b0\u1eddng th\u1ea5p h\u01a1n Permanent khi so c\u00f9ng m\u1ee9c coverage v\u00e0 \u0111i\u1ec1u ki\u1ec7n t\u01b0\u01a1ng \u0111\u01b0\u01a1ng.<\/li>\n\n\n\n<li>Ph\u00f9 h\u1ee3p v\u1edbi c\u00e1c nhu c\u1ea7u c\u00f3 th\u1eddi h\u1ea1n nh\u01b0 mortgage, thay th\u1ebf thu nh\u1eadp trong nh\u1eefng n\u0103m con c\u00f2n nh\u1ecf ho\u1eb7c kho\u1ea3n n\u1ee3 l\u1edbn.<\/li>\n\n\n\n<li>Term th\u00f4ng th\u01b0\u1eddng kh\u00f4ng c\u00f3 cash value.<\/li>\n\n\n\n<li>Khi \u0111\u1ebfn k\u1ef3 gia h\u1ea1n, premium c\u00f3 th\u1ec3 t\u0103ng \u0111\u00e1ng k\u1ec3; quy\u1ec1n gia h\u1ea1n v\u00e0 \u0111\u1ed9 tu\u1ed5i b\u1ea3o v\u1ec7 t\u1ed1i \u0111a t\u00f9y policy.<\/li>\n\n\n\n<li>Nhi\u1ec1u policy cho ph\u00e9p chuy\u1ec3n \u0111\u1ed5i (conversion) sang Permanent m\u00e0 kh\u00f4ng c\u1ea7n th\u1ea9m \u0111\u1ecbnh s\u1ee9c kh\u1ecfe l\u1ea1i, nh\u01b0ng ph\u1ea3i \u0111\u00e1p \u1ee9ng \u0111i\u1ec1u ki\u1ec7n v\u00e0 th\u1eddi h\u1ea1n chuy\u1ec3n \u0111\u1ed5i.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>V\u00ed d\u1ee5: Gia \u0111\u00ecnh tr\u1ebb \u0111ang tr\u1ea3 mortgage<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u1ed9t c\u1eb7p v\u1ee3 ch\u1ed3ng kho\u1ea3ng 35 tu\u1ed5i c\u00f3 hai con nh\u1ecf v\u00e0 c\u00f2n $450,000 mortgage. N\u1ebfu m\u1ed9t ng\u01b0\u1eddi qua \u0111\u1eddi trong 20 n\u0103m t\u1edbi, ng\u01b0\u1eddi c\u00f2n l\u1ea1i c\u00f3 th\u1ec3 ph\u1ea3i v\u1eeba tr\u1ea3 n\u1ee3 nh\u00e0, v\u1eeba lo chi ph\u00ed nu\u00f4i con v\u1edbi ch\u1ec9 m\u1ed9t ngu\u1ed3n thu nh\u1eadp. V\u1edbi ho\u00e0n c\u1ea3nh n\u00e0y, Term 20 ho\u1eb7c Term 25 th\u01b0\u1eddng l\u00e0 nh\u1eefng l\u1ef1a ch\u1ecdn \u0111\u00e1ng c\u00e2n nh\u1eafc.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110i\u1ec1u m\u00ecnh mu\u1ed1n nh\u1ea5n m\u1ea1nh l\u00e0 Term kh\u00f4ng ph\u1ea3i \u201cb\u1ea3o hi\u1ec3m k\u00e9m h\u01a1n\u201d ch\u1ec9 v\u00ec premium th\u1ea5p h\u01a1n. N\u1ebfu nhu c\u1ea7u ch\u00ednh l\u00e0 b\u1ea3o v\u1ec7 gia \u0111\u00ecnh trong giai \u0111o\u1ea1n c\u00f3 \u00e1p l\u1ef1c t\u00e0i ch\u00ednh cao, Term c\u00f3 th\u1ec3 l\u00e0m r\u1ea5t t\u1ed1t nhi\u1ec7m v\u1ee5 \u0111\u00f3.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">2. Permanent Life Insurance l\u00e0 g\u00ec?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Permanent Life Insurance \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf \u0111\u1ec3 cung c\u1ea5p s\u1ef1 b\u1ea3o v\u1ec7 d\u00e0i h\u1ea1n, th\u01b0\u1eddng \u0111\u1ebfn cu\u1ed1i \u0111\u1eddi, mi\u1ec5n l\u00e0 h\u1ee3p \u0111\u1ed3ng \u0111\u01b0\u1ee3c duy tr\u00ec \u0111\u00fang \u0111i\u1ec1u ki\u1ec7n. Kh\u00e1c v\u1edbi Term, m\u1ed9t s\u1ed1 s\u1ea3n ph\u1ea9m Permanent c\u00f2n c\u00f3 cash value ho\u1eb7c c\u00e1c t\u00ednh n\u0103ng t\u00e0i ch\u00ednh kh\u00e1c.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu Term Life Insurance gi\u1ed1ng nh\u01b0 thu\u00ea nh\u00e0, th\u00ec m\u00ecnh th\u01b0\u1eddng v\u00ed Permanent Life Insurance gi\u1ed1ng nh\u01b0 mua m\u1ed9t c\u0103n nh\u00e0 tr\u1ea3 g\u00f3p. Ban \u0111\u1ea7u, chi ph\u00ed c\u00f3 th\u1ec3 cao h\u01a1n, nh\u01b0ng b\u1ea1n \u0111ang h\u01b0\u1edbng \u0111\u1ebfn vi\u1ec7c s\u1edf h\u1eefu m\u1ed9t gi\u00e1 tr\u1ecb l\u00e2u d\u00e0i. V\u1edbi m\u1ed9t s\u1ed1 lo\u1ea1i Permanent Life Insurance, sau khi ho\u00e0n t\u1ea5t th\u1eddi gian \u0111\u00f3ng premium theo k\u1ebf ho\u1ea1ch, b\u1ea1n c\u00f3 th\u1ec3 ti\u1ebfp t\u1ee5c \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7 m\u00e0 kh\u00f4ng c\u1ea7n \u0111\u00f3ng th\u00eam ph\u00ed. T\u1ea5t nhi\u00ean, c\u0169ng gi\u1ed1ng nh\u01b0 mua nh\u00e0, b\u1ea1n c\u1ea7n hi\u1ec3u r\u00f5 m\u00ecnh \u0111ang mua g\u00ec v\u00e0 c\u00e1c \u0111i\u1ec1u ki\u1ec7n \u0111i k\u00e8m tr\u01b0\u1edbc khi quy\u1ebft \u0111\u1ecbnh.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tuy nhi\u00ean, m\u00ecnh lu\u00f4n nh\u1eafc kh\u00e1ch h\u00e0ng r\u1eb1ng kh\u00f4ng n\u00ean m\u1eb7c \u0111\u1ecbnh Permanent l\u00e0 m\u1ed9t kho\u1ea3n \u0111\u1ea7u t\u01b0 ch\u1ec9 v\u00ec c\u00f3 y\u1ebfu t\u1ed1 t\u00edch l\u0169y. Tr\u01b0\u1edbc ti\u00ean, \u0111\u00e2y v\u1eabn l\u00e0 m\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m; ph\u1ea7n cash value, chi ph\u00ed v\u00e0 c\u00e1c quy\u1ec1n l\u1ee3i \u0111\u01b0\u1ee3c \u0111\u1ea3m b\u1ea3o hay kh\u00f4ng ph\u1ea3i xem c\u1ee5 th\u1ec3 t\u1eebng policy.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Whole Life Insurance<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Whole Life c\u00f3 th\u1ec3 c\u00f3 c\u00e1c quy\u1ec1n l\u1ee3i v\u00e0 cash value \u0111\u01b0\u1ee3c \u0111\u1ea3m b\u1ea3o theo h\u1ee3p \u0111\u1ed3ng. V\u1edbi participating Whole Life, policy c\u00f2n c\u00f3 th\u1ec3 nh\u1eadn dividend, nh\u01b0ng dividend kh\u00f4ng \u0111\u01b0\u1ee3c \u0111\u1ea3m b\u1ea3o. V\u00ec v\u1eady, khi xem illustration, c\u1ea7n ph\u00e2n bi\u1ec7t r\u00f5 con s\u1ed1 n\u00e0o guaranteed v\u00e0 con s\u1ed1 n\u00e0o ch\u1ec9 l\u00e0 d\u1ef1 ph\u00f3ng.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Universal Life Insurance<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Universal Life c\u00f3 th\u1ec3 k\u1ebft h\u1ee3p b\u1ea3o hi\u1ec3m v\u1edbi ph\u1ea7n \u0111\u1ea7u t\u01b0 v\u00e0 cho ph\u00e9p \u0111i\u1ec1u ch\u1ec9nh m\u1ed9t s\u1ed1 y\u1ebfu t\u1ed1 c\u1ee7a h\u1ee3p \u0111\u1ed3ng t\u00f9y s\u1ea3n ph\u1ea9m. Nh\u01b0ng c\u01a1 ch\u1ebf c\u1ee7a Universal Life kh\u00e1 ph\u1ee9c t\u1ea1p: chi ph\u00ed b\u1ea3o hi\u1ec3m, m\u1ee9c premium \u0111\u00f3ng v\u00e0o v\u00e0 k\u1ebft qu\u1ea3 \u0111\u1ea7u t\u01b0 c\u00f3 th\u1ec3 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn gi\u00e1 tr\u1ecb c\u0169ng nh\u01b0 kh\u1ea3 n\u0103ng duy tr\u00ec policy v\u1ec1 l\u00e2u d\u00e0i.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Theo quan \u0111i\u1ec3m t\u01b0 v\u1ea5n c\u1ee7a m\u00ecnh, Universal Life ch\u1ec9 \u0111\u00e1ng c\u00e2n nh\u1eafc v\u1edbi m\u1ed9t nh\u00f3m kh\u00e1ch h\u00e0ng c\u00f3 nhu c\u1ea7u t\u00e0i ch\u00ednh c\u1ee5 th\u1ec3 v\u00e0 hi\u1ec3u r\u00f5 c\u00e1ch s\u1ea3n ph\u1ea9m v\u1eadn h\u00e0nh. M\u00ecnh s\u1ebd d\u00e0nh m\u1ed9t b\u00e0i ri\u00eang \u0111\u1ec3 n\u00f3i k\u1ef9 h\u01a1n v\u1ec1 lo\u1ea1i n\u00e0y, v\u00ec v\u00e0i d\u00f2ng gi\u1edbi thi\u1ec7u s\u1ebd kh\u00f4ng \u0111\u1ee7 \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 n\u00f3 c\u00f3 ph\u00f9 h\u1ee3p hay kh\u00f4ng.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Khi n\u00e0o Permanent \u0111\u00e1ng c\u00e2n nh\u1eafc?<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Mu\u1ed1n \u0111\u1ec3 l\u1ea1i m\u1ed9t kho\u1ea3n ti\u1ec1n cho ng\u01b0\u1eddi th\u00e2n b\u1ea5t k\u1ec3 qua \u0111\u1eddi \u1edf giai \u0111o\u1ea1n n\u00e0o c\u1ee7a cu\u1ed9c \u0111\u1eddi.<\/li>\n\n\n\n<li>C\u00f3 ng\u01b0\u1eddi ph\u1ee5 thu\u1ed9c c\u1ea7n h\u1ed7 tr\u1ee3 t\u00e0i ch\u00ednh l\u00e2u d\u00e0i.<\/li>\n\n\n\n<li>C\u00f3 nhu c\u1ea7u chu\u1ea9n b\u1ecb ngu\u1ed3n ti\u1ec1n cho estate obligations, chi ph\u00ed khi qua \u0111\u1eddi ho\u1eb7c m\u1ee5c ti\u00eau legacy planning.<\/li>\n\n\n\n<li>C\u00f3 ng\u00e2n s\u00e1ch ph\u00f9 h\u1ee3p \u0111\u1ec3 duy tr\u00ec h\u1ee3p \u0111\u1ed3ng d\u00e0i h\u1ea1n.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">3. So s\u00e1nh Term v\u00e0 Permanent Life Insurance<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Khi kh\u00e1ch h\u00e0ng h\u1ecfi lo\u1ea1i n\u00e0o t\u1ed1t h\u01a1n, m\u00ecnh th\u01b0\u1eddng quay l\u1ea1i m\u1ed9t \u0111i\u1ec3m: hai lo\u1ea1i n\u00e0y \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf cho nh\u1eefng nhu c\u1ea7u c\u00f3 th\u1eddi gian t\u1ed3n t\u1ea1i kh\u00e1c nhau. B\u1ea3ng d\u01b0\u1edbi \u0111\u00e2y l\u00e0 c\u00e1ch so s\u00e1nh nhanh tr\u01b0\u1edbc khi \u0111i v\u00e0o t\u1eebng h\u1ee3p \u0111\u1ed3ng c\u1ee5 th\u1ec3.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Ti\u00eau ch\u00ed<\/strong><\/td><td><strong>Term Life<\/strong><\/td><td><strong>Permanent Life<\/strong><\/td><\/tr><tr><td><strong>Th\u1eddi gian b\u1ea3o v\u1ec7<\/strong><\/td><td>Theo th\u1eddi h\u1ea1n policy<\/td><td>D\u00e0i h\u1ea1n, th\u01b0\u1eddng \u0111\u1ebfn cu\u1ed1i \u0111\u1eddi n\u1ebfu duy tr\u00ec hi\u1ec7u l\u1ef1c<\/td><\/tr><tr><td><strong>Premium ban \u0111\u1ea7u<\/strong><\/td><td>Th\u01b0\u1eddng th\u1ea5p h\u01a1n<\/td><td>Th\u01b0\u1eddng cao h\u01a1n<\/td><\/tr><tr><td><strong>Death benefit<\/strong><\/td><td>C\u00f3 khi h\u1ee3p \u0111\u1ed3ng c\u00f2n hi\u1ec7u l\u1ef1c<\/td><td>C\u00f3 khi h\u1ee3p \u0111\u1ed3ng c\u00f2n hi\u1ec7u l\u1ef1c<\/td><\/tr><tr><td><strong>Cash value<\/strong><\/td><td>Th\u01b0\u1eddng kh\u00f4ng c\u00f3<\/td><td>C\u00f3 th\u1ec3 c\u00f3, t\u00f9y s\u1ea3n ph\u1ea9m<\/td><\/tr><tr><td><strong>Nhu c\u1ea7u ph\u00f9 h\u1ee3p<\/strong><\/td><td>Mortgage, thu nh\u1eadp, nu\u00f4i con trong m\u1ed9t giai \u0111o\u1ea1n<\/td><td>Nhu c\u1ea7u b\u1ea3o v\u1ec7 ho\u1eb7c \u0111\u1ec3 l\u1ea1i t\u00e0i s\u1ea3n d\u00e0i h\u1ea1n<\/td><\/tr><tr><td><strong>\u0110i\u1ec3m c\u1ea7n ch\u00fa \u00fd<\/strong><\/td><td>Gia h\u1ea1n c\u00f3 th\u1ec3 t\u0103ng ph\u00ed; gi\u1edbi h\u1ea1n conversion<\/td><td>C\u1ea5u tr\u00fac, ph\u00ed v\u00e0 t\u00ednh \u0111\u1ea3m b\u1ea3o kh\u00e1c nhau theo policy<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">4. V\u1eady lo\u1ea1i n\u00e0o ph\u00f9 h\u1ee3p v\u1edbi ho\u00e0n c\u1ea3nh c\u1ee7a b\u1ea1n?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Gia \u0111\u00ecnh tr\u1ebb, c\u00f3 mortgage v\u00e0 con nh\u1ecf<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u00e2y l\u00e0 nh\u00f3m m\u00ecnh th\u01b0\u1eddng \u01b0u ti\u00ean xem x\u00e9t coverage \u0111\u1ee7 l\u1edbn tr\u01b0\u1edbc. N\u1ebfu ng\u00e2n s\u00e1ch c\u00f3 gi\u1edbi h\u1ea1n, mua m\u1ed9t h\u1ee3p \u0111\u1ed3ng Permanent nh\u1ecf nh\u01b0ng kh\u00f4ng \u0111\u1ee7 b\u1ea3o v\u1ec7 thu nh\u1eadp c\u00f3 th\u1ec3 ch\u01b0a gi\u1ea3i quy\u1ebft \u0111\u00fang r\u1ee7i ro l\u1edbn nh\u1ea5t c\u1ee7a gia \u0111\u00ecnh. Term v\u00ec v\u1eady th\u01b0\u1eddng l\u00e0 m\u1ed9t \u0111i\u1ec3m kh\u1edfi \u0111\u1ea7u h\u1ee3p l\u00fd.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Mu\u1ed1n \u0111\u1ec3 l\u1ea1i ti\u1ec1n cho con d\u00f9 qua \u0111\u1eddi \u1edf tu\u1ed5i 70, 80 hay 90<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu m\u1ee5c ti\u00eau l\u00e0 m\u1ed9t kho\u1ea3n ti\u1ec1n d\u00e0nh cho gia \u0111\u00ecnh b\u1ea5t k\u1ec3 th\u1eddi \u0111i\u1ec3m qua \u0111\u1eddi, nhu c\u1ea7u \u0111\u00f3 kh\u00f4ng k\u1ebft th\u00fac sau 20 hay 30 n\u0103m. Permanent c\u00f3 th\u1ec3 \u0111\u00e1ng c\u00e2n nh\u1eafc h\u01a1n, mi\u1ec5n l\u00e0 premium ph\u00f9 h\u1ee3p v\u1edbi k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh d\u00e0i h\u1ea1n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Ng\u00e2n s\u00e1ch hi\u1ec7n t\u1ea1i c\u00f2n h\u1ea1n ch\u1ebf<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u00ecnh kh\u00f4ng ngh\u0129 kh\u00e1ch h\u00e0ng n\u00ean c\u1ed1 g\u1eafng mua m\u1ed9t h\u1ee3p \u0111\u1ed3ng c\u00f3 nhi\u1ec1u t\u00ednh n\u0103ng \u0111\u1ebfn m\u1ee9c h\u00e0ng th\u00e1ng ph\u1ea3i ch\u1eadt v\u1eadt \u0111\u00f3ng premium. B\u1ea3o hi\u1ec3m ch\u1ec9 th\u1eadt s\u1ef1 h\u1eefu \u00edch khi \u0111\u1ee7 b\u1ea3o v\u1ec7 v\u00e0 c\u00f3 th\u1ec3 duy tr\u00ec. Trong nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p, b\u1eaft \u0111\u1ea7u b\u1eb1ng Term r\u1ed3i xem x\u00e9t l\u1ea1i khi t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh thay \u0111\u1ed5i l\u00e0 c\u00e1ch ti\u1ebfp c\u1eadn th\u1ef1c t\u1ebf h\u01a1n.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">5. C\u00f3 nh\u1ea5t thi\u1ebft ph\u1ea3i ch\u1ecdn m\u1ed9t trong hai kh\u00f4ng?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng nh\u1ea5t thi\u1ebft. M\u1ed9t s\u1ed1 gia \u0111\u00ecnh c\u00f3 c\u1ea3 nhu c\u1ea7u ng\u1eafn h\u1ea1n l\u1eabn d\u00e0i h\u1ea1n, n\u00ean k\u1ebft h\u1ee3p Term v\u00e0 Permanent c\u00f3 th\u1ec3 h\u1ee3p l\u00fd. Nh\u01b0ng m\u00ecnh c\u0169ng kh\u00f4ng cho r\u1eb1ng ai c\u0169ng c\u1ea7n mua c\u1ea3 hai: n\u1ebfu ch\u1ec9 c\u00f3 nhu c\u1ea7u b\u1ea3o v\u1ec7 c\u00f3 th\u1eddi h\u1ea1n, m\u1ed9t h\u1ee3p \u0111\u1ed3ng Term ph\u00f9 h\u1ee3p c\u00f3 th\u1ec3 \u0111\u00e3 \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">V\u00ed d\u1ee5, m\u1ed9t ng\u01b0\u1eddi 35 tu\u1ed5i x\u00e1c \u0111\u1ecbnh c\u1ea7n $500,000 \u0111\u1ec3 b\u1ea3o v\u1ec7 mortgage v\u00e0 thu nh\u1eadp trong 20 n\u0103m t\u1edbi, \u0111\u1ed3ng th\u1eddi mu\u1ed1n \u0111\u1ec3 l\u1ea1i $100,000 cho gia \u0111\u00ecnh b\u1ea5t k\u1ec3 qua \u0111\u1eddi l\u00fac n\u00e0o. H\u1ecd c\u00f3 th\u1ec3 c\u00e2n nh\u1eafc $500,000 Term k\u1ebft h\u1ee3p $100,000 Permanent. \u0110\u00e2y ch\u1ec9 l\u00e0 v\u00ed d\u1ee5 minh h\u1ecda, kh\u00f4ng ph\u1ea3i c\u00f4ng th\u1ee9c \u00e1p d\u1ee5ng cho m\u1ecdi gia \u0111\u00ecnh.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110i\u1ec3m quan tr\u1ecdng l\u00e0 t\u00e1ch t\u1eebng nhu c\u1ea7u ra \u0111\u1ec3 xem kho\u1ea3n n\u00e0o c\u1ea7n b\u1ea3o v\u1ec7 trong bao l\u00e2u, thay v\u00ec ch\u1ecdn s\u1ea3n ph\u1ea9m tr\u01b0\u1edbc r\u1ed3i m\u1edbi c\u1ed1 t\u00ecm l\u00fd do \u0111\u1ec3 mua.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">6. Nh\u1eefng hi\u1ec3u l\u1ea7m m\u00ecnh th\u01b0\u1eddng g\u1eb7p khi kh\u00e1ch h\u00e0ng ch\u1ecdn Life Insurance<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Ch\u1ec9 nh\u00ecn v\u00e0o premium<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u1ed9t m\u1ee9c premium th\u1ea5p c\u00f3 th\u1ec3 r\u1ea5t ph\u00f9 h\u1ee3p, nh\u01b0ng kh\u00f4ng n\u00ean b\u1ecf qua th\u1eddi h\u1ea1n b\u1ea3o v\u1ec7 v\u00e0 quy\u1ec1n gia h\u1ea1n. Ng\u01b0\u1ee3c l\u1ea1i, premium cao kh\u00f4ng t\u1ef1 \u0111\u1ed9ng c\u00f3 ngh\u0129a l\u00e0 s\u1ea3n ph\u1ea9m t\u1ed1t h\u01a1n cho ho\u00e0n c\u1ea3nh c\u1ee7a m\u00ecnh.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Ch\u1ecdn Permanent nh\u01b0ng coverage kh\u00f4ng \u0111\u1ee7<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110i\u1ec1u n\u00e0y \u0111\u1eb7c bi\u1ec7t \u0111\u00e1ng l\u01b0u \u00fd v\u1edbi gia \u0111\u00ecnh c\u00f2n mortgage v\u00e0 con nh\u1ecf. N\u1ebfu ng\u00e2n s\u00e1ch ch\u1ec9 cho ph\u00e9p m\u1ed9t m\u1ee9c premium nh\u1ea5t \u0111\u1ecbnh, m\u00ecnh th\u01b0\u1eddng mu\u1ed1n xem gia \u0111\u00ecnh c\u1ea7n bao nhi\u00eau death benefit tr\u01b0\u1edbc, r\u1ed3i m\u1edbi b\u00e0n \u0111\u1ebfn t\u00ednh n\u0103ng t\u00edch l\u0169y. M\u00ecnh th\u01b0\u1eddng nh\u1eafc kh\u00e1ch h\u00e0ng r\u1eb1ng \u0111i\u1ec1u quan tr\u1ecdng kh\u00f4ng ch\u1ec9 l\u00e0 m\u00ecnh \u0111ang s\u1edf h\u1eefu lo\u1ea1i b\u1ea3o hi\u1ec3m n\u00e0o, m\u00e0 c\u00f2n l\u00e0 s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m \u0111\u00f3 c\u00f3 th\u1ef1c s\u1ef1 \u0111\u1ee7 \u0111\u1ec3 b\u1ea3o v\u1ec7 gia \u0111\u00ecnh hay kh\u00f4ng.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ch\u1eb3ng h\u1ea1n, $500,000 nghe c\u00f3 v\u1ebb r\u1ea5t nhi\u1ec1u, nh\u01b0ng n\u1ebfu ph\u1ea3i d\u00f9ng s\u1ed1 ti\u1ec1n \u0111\u00f3 \u0111\u1ec3 tr\u1ea3 mortgage, thay th\u1ebf thu nh\u1eadp v\u00e0 nu\u00f4i con trong nhi\u1ec1u n\u0103m th\u00ec c\u00e2u chuy\u1ec7n l\u1ea1i kh\u00e1c.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u00ecnh \u0111\u00e3 ph\u00e2n t\u00edch c\u1ee5 th\u1ec3 h\u01a1n trong b\u00e0i &#8220;<strong><a href=\"https:\/\/101insurance.ca\/vi\/nua-trieu-do-bao-hiem-co-du-nhieu\">$500,000 b\u1ea3o hi\u1ec3m nghe c\u00f3 v\u1ebb r\u1ea5t nhi\u1ec1u \u2013 cho \u0111\u1ebfn khi b\u1ea1n ng\u1ed3i xu\u1ed1ng t\u00ednh th\u1eed<\/a><\/strong>&#8220;.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Ngh\u0129 r\u1eb1ng Term h\u1ebft h\u1ea1n l\u00e0 \u201cm\u1ea5t tr\u1eafng\u201d<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Term kh\u00f4ng \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf nh\u01b0 t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m. M\u00ecnh th\u01b0\u1eddng gi\u1ea3i th\u00edch r\u1eb1ng ti\u1ec1n premium l\u00e0 chi ph\u00ed \u0111\u1ec3 chuy\u1ec3n giao r\u1ee7i ro trong th\u1eddi gian b\u1ea3o v\u1ec7, t\u01b0\u01a1ng t\u1ef1 vi\u1ec7c m\u00ecnh mua c\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m kh\u00e1c v\u00e0 hy v\u1ecdng kh\u00f4ng bao gi\u1edd ph\u1ea3i s\u1eed d\u1ee5ng \u0111\u1ebfn quy\u1ec1n l\u1ee3i.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Ngh\u0129 Permanent c\u00f3 ngh\u0129a l\u00e0 m\u1ecdi th\u1ee9 \u0111\u1ec1u guaranteed<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng ph\u1ea3i v\u1eady. T\u00f9y lo\u1ea1i policy, m\u1ed9t s\u1ed1 gi\u00e1 tr\u1ecb c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c \u0111\u1ea3m b\u1ea3o, c\u00f2n dividend, investment return ho\u1eb7c k\u1ebft qu\u1ea3 minh h\u1ecda c\u00f3 th\u1ec3 kh\u00f4ng \u0111\u01b0\u1ee3c \u0111\u1ea3m b\u1ea3o. V\u00ec th\u1ebf, \u0111\u1ecdc illustration v\u00e0 \u0111i\u1ec1u kho\u1ea3n h\u1ee3p \u0111\u1ed3ng quan tr\u1ecdng kh\u00f4ng k\u00e9m vi\u1ec7c xem premium.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">7. B\u1ed1n c\u00e2u h\u1ecfi n\u00ean t\u1ef1 \u0111\u1eb7t ra tr\u01b0\u1edbc khi quy\u1ebft \u0111\u1ecbnh<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>T\u00f4i c\u1ea7n Life Insurance trong bao l\u00e2u?<\/li>\n\n\n\n<li>N\u1ebfu t\u00f4i qua \u0111\u1eddi, gia \u0111\u00ecnh th\u1ef1c s\u1ef1 c\u1ea7n bao nhi\u00eau ti\u1ec1n?<\/li>\n\n\n\n<li>T\u00f4i c\u00f3 th\u1ec3 duy tr\u00ec m\u1ee9c premium n\u00e0o m\u1ed9t c\u00e1ch tho\u1ea3i m\u00e1i trong d\u00e0i h\u1ea1n?<\/li>\n\n\n\n<li>T\u00f4i c\u1ea7n b\u1ea3o hi\u1ec3m ch\u1ee7 y\u1ebfu cho m\u1ed9t giai \u0111o\u1ea1n, hay c\u00f2n c\u00f3 m\u1ee5c ti\u00eau estate planning v\u00e0 \u0111\u1ec3 l\u1ea1i t\u00e0i s\u1ea3n?<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">V\u00e0 \u0111\u1eebng qu\u00ean review l\u1ea1i coverage khi gia \u0111\u00ecnh c\u00f3 th\u00eam con, thay \u0111\u1ed5i mortgage, thu nh\u1eadp ho\u1eb7c c\u00e1c ngh\u0129a v\u1ee5 t\u00e0i ch\u00ednh. M\u1ed9t l\u1ef1a ch\u1ecdn ph\u00f9 h\u1ee3p h\u00f4m nay c\u00f3 th\u1ec3 c\u1ea7n \u0111i\u1ec1u ch\u1ec9nh sau v\u00e0i n\u0103m.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">8. C\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p v\u1ec1 Term v\u00e0 Permanent Life Insurance<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Term Life Insurance h\u1ebft h\u1ea1n c\u00f3 \u0111\u01b0\u1ee3c nh\u1eadn l\u1ea1i ti\u1ec1n kh\u00f4ng?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Th\u00f4ng th\u01b0\u1eddng l\u00e0 kh\u00f4ng. Term c\u01a1 b\u1ea3n kh\u00f4ng c\u00f3 cash value v\u00e0 premium \u0111\u01b0\u1ee3c d\u00f9ng \u0111\u1ec3 duy tr\u00ec quy\u1ec1n l\u1ee3i b\u1ea3o v\u1ec7 trong th\u1eddi h\u1ea1n h\u1ee3p \u0111\u1ed3ng. M\u1ed9t s\u1ed1 s\u1ea3n ph\u1ea9m c\u00f3 c\u1ea5u tr\u00fac kh\u00e1c, n\u00ean v\u1eabn c\u1ea7n xem \u0111i\u1ec1u kho\u1ea3n c\u1ee5 th\u1ec3.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>C\u00f3 th\u1ec3 chuy\u1ec3n Term sang Permanent m\u00e0 kh\u00f4ng c\u1ea7n kh\u00e1m s\u1ee9c kh\u1ecfe kh\u00f4ng?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nhi\u1ec1u h\u1ee3p \u0111\u1ed3ng Term c\u00f3 quy\u1ec1n conversion m\u00e0 kh\u00f4ng c\u1ea7n th\u1ea9m \u0111\u1ecbnh s\u1ee9c kh\u1ecfe l\u1ea1i, nh\u01b0ng ch\u1ec9 trong th\u1eddi h\u1ea1n, \u0111\u1ed9 tu\u1ed5i v\u00e0 ph\u1ea1m vi s\u1ea3n ph\u1ea9m m\u00e0 h\u1ee3p \u0111\u1ed3ng cho ph\u00e9p. \u0110\u1eebng ch\u1edd \u0111\u1ebfn l\u00fac c\u1ea7n chuy\u1ec3n \u0111\u1ed5i m\u1edbi ki\u1ec3m tra quy\u1ec1n l\u1ee3i n\u00e0y.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Permanent Life Insurance c\u00f3 ph\u1ea3i l\u00fac n\u00e0o c\u0169ng c\u00f3 cash value kh\u00f4ng?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng n\u00ean m\u1eb7c \u0111\u1ecbnh nh\u01b0 v\u1eady. T\u00ednh n\u0103ng cash value v\u00e0 m\u1ee9c \u0111\u1ed9 b\u1ea3o \u0111\u1ea3m kh\u00e1c nhau gi\u1eefa c\u00e1c lo\u1ea1i Permanent v\u00e0 t\u1eebng h\u1ee3p \u0111\u1ed3ng. V\u1edbi Whole Life ho\u1eb7c Universal Life, c\u1ea7n xem r\u00f5 ph\u1ea7n n\u00e0o guaranteed v\u00e0 ph\u1ea7n n\u00e0o ph\u1ee5 thu\u1ed9c v\u00e0o dividend, l\u00e3i su\u1ea5t hay hi\u1ec7u qu\u1ea3 \u0111\u1ea7u t\u01b0.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>N\u00ean mua Term hay Permanent n\u1ebfu \u0111ang c\u00f3 mortgage v\u00e0 con nh\u1ecf?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u00ecnh th\u01b0\u1eddng b\u1eaft \u0111\u1ea7u b\u1eb1ng s\u1ed1 ti\u1ec1n gia \u0111\u00ecnh c\u1ea7n n\u1ebfu m\u1ed9t ngu\u1ed3n thu nh\u1eadp kh\u00f4ng c\u00f2n, r\u1ed3i m\u1edbi xem th\u1eddi gian c\u1ea7n b\u1ea3o v\u1ec7 v\u00e0 ng\u00e2n s\u00e1ch. V\u1edbi nhu c\u1ea7u coverage l\u1edbn trong 20\u201330 n\u0103m, Term th\u01b0\u1eddng \u0111\u00e1ng c\u00e2n nh\u1eafc; Permanent c\u00f3 th\u1ec3 ph\u00f9 h\u1ee3p n\u1ebfu c\u00f2n m\u1ee5c ti\u00eau d\u00e0i h\u1ea1n ri\u00eang.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u1ecdc th\u00eam: \u201cC\u1ea7n bao nhi\u00eau b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd l\u00e0 \u0111\u1ee7 cho m\u1ed9t gia \u0111\u00ecnh \u1edf Canada?\u201d v\u00e0 \u201c$500,000 b\u1ea3o hi\u1ec3m nghe c\u00f3 v\u1ebb r\u1ea5t nhi\u1ec1u \u2013 cho \u0111\u1ebfn khi b\u1ea1n ng\u1ed3i xu\u1ed1ng t\u00ednh th\u1eed\u201d. Khi \u0111\u0103ng WordPress, h\u00e3y g\u1eafn link tr\u1ef1c ti\u1ebfp v\u00e0o t\u00ean hai b\u00e0i vi\u1ebft n\u00e0y.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">9. K\u1ebft lu\u1eadn: \u0110\u1eebng ch\u1ecdn lo\u1ea1i b\u1ea3o hi\u1ec3m tr\u01b0\u1edbc khi hi\u1ec3u nhu c\u1ea7u c\u1ee7a m\u00ecnh<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">M\u00ecnh kh\u00f4ng ngh\u0129 c\u00e2u h\u1ecfi \u0111\u1ea7u ti\u00ean khi mua Life Insurance n\u00ean l\u00e0 \u201cTerm hay Permanent t\u1ed1t h\u01a1n?\u201d. C\u00e2u h\u1ecfi n\u00ean l\u00e0: \u201cM\u00ecnh \u0111ang mu\u1ed1n b\u1ea3o v\u1ec7 \u0111i\u1ec1u g\u00ec, trong bao l\u00e2u, v\u00e0 v\u1edbi ng\u00e2n s\u00e1ch nh\u01b0 th\u1ebf n\u00e0o?\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Khi tr\u1ea3 l\u1eddi \u0111\u01b0\u1ee3c nh\u1eefng c\u00e2u h\u1ecfi \u0111\u00f3, vi\u1ec7c ch\u1ecdn Term, Permanent hay k\u1ebft h\u1ee3p c\u1ea3 hai s\u1ebd d\u1ec5 d\u00e0ng h\u01a1n nhi\u1ec1u. N\u1ebfu b\u1ea1n \u0111ang ph\u00e2n v\u00e2n, m\u00ecnh c\u00f3 th\u1ec3 c\u00f9ng b\u1ea1n xem x\u00e9t Insurance Needs v\u00e0 so s\u00e1nh c\u00e1c l\u1ef1a ch\u1ecdn d\u1ef1a tr\u00ean ho\u00e0n c\u1ea3nh th\u1ef1c t\u1ebf c\u1ee7a gia \u0111\u00ecnh, thay v\u00ec ch\u1ec9 nh\u00ecn v\u00e0o premium.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Sarah Do<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Licensed Life Insurance Advisor.<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>So s\u00e1nh Term v\u00e0 Permanent Life Insurance t\u1ea1i Canada: quy\u1ec1n l\u1ee3i, chi ph\u00ed, \u01b0u nh\u01b0\u1ee3c \u0111i\u1ec3m v\u00e0 kinh nghi\u1ec7m ch\u1ecdn b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p v\u1edbi gia \u0111\u00ecnh b\u1ea1n.<\/p>\n","protected":false},"author":2,"featured_media":3699,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_eb_attr":"","footnotes":""},"categories":[28,25],"tags":[48,47],"class_list":["post-3696","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bao-hiem-nhan-tho","category-bao-hiem","tag-bao-hiem","tag-tai-chinh"],"_links":{"self":[{"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/posts\/3696","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=3696"}],"version-history":[{"count":3,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/posts\/3696\/revisions"}],"predecessor-version":[{"id":3703,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/posts\/3696\/revisions\/3703"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/media\/3699"}],"wp:attachment":[{"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/media?parent=3696"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/categories?post=3696"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/tags?post=3696"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}