案例一： 小孩分红保险：       

      The Client(Mr. Zhang) was 35 years old, he set up a Canada life participating life insurance for his son when the son was 2 years old. The cover of insurance is $100,000, it need to pay $103.14/month. After 20 years, the paid is done, and the son’s cash account will be $29000(base on these three years average return rate), and the coverage will be $195,000. His son could take out the money when he need.

        客户张先生在他35岁的时候，为他两岁的儿子设立了一份加拿大人寿保险公司的分红式人寿保险。这份保险初始保额为$100,000, 每月固定供款为$103.14。 供款完20年后，就不需再供，保单可保一生。在供款完毕后的那一年，他儿子的保单现金价值将为$29000（基于近三年的平均回报率），而保额也将涨至$195,000。 他儿子此时可以随时把从现金账号里面取钱出来用。

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案例二：个人分红保险：

     The Client(Mr. Ho) was 25 years old, he set up a Canada life participating life insurance for himself s. The cover of insurance is $100,000, it need to pay 10 yeas, and $360/month（or $4007/year). After 10 years, the paid is done, and his cash account will be $27,000(base on these three years average return rate), and the coverage will be $130,000.

      After 40 years, when he is retire, his cash account will be $150,000(base on these three years average return rate), and the coverage will  increase to  $300,000. He could take out the money what he needs.    

        客户何先生在他25岁的时候，为他自己设立了一份加拿大人寿保险公司的分红式人寿保险。这份保险初始保额为$100,000, 只需供款10年，每月固定供款为$360（或每年$4007）。 供款完10年后，就不需再供，保单可保一生。在供款完毕后的那一年，他的保单现金价值将为$27,000（基于近三年的平均回报率计算），而保额也将涨至$130,000。

       在40年后，他已65岁，并达到了退休年龄，他的保单现金价值将为$150,000（基于近三年的平均回报率计算），而保额也将涨至$300,000。他此时可以随时把从现金账号里面取钱出来用。

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​总结：分红保险是一个很好的免税、具有稳定回报（年回报率为 6%-8%）的投资工具，深受广大加拿大居民的欢迎！