人壽保險是一種投資型保險
能夠為被保險人在生前及死亡時提供收入和資金保障
人壽保險由一個獨立的保險公司提供,可以根據被保險人的需求定制,並提供豐富的投資和繳稅優惠。人壽保險有各種不同的保險計劃,包括傳統保險、終身保險、投資保險和定期保險等。此外,該保險也可以提供給整個家庭成員,確保更廣泛的保險覆蓋。
Universal Life Insurance (UL)
UL是一種永久性人壽保險,其特點是靈活的保險費和可調節的死亡撫卹金。初始付款後,保單所有者可以隨時增加或減少保費,但受到一定限制。只要政策中有足夠的現金價值來支付月保險費,UL 覆蓋率就會持續下去。
UL 的現金價值賬戶獲得公司根據市場情況定期調整的現行利率,一般保證不低於政策規定的最低利率。UL 政策的死亡收益可能會增加或減少。增加通常需要可靠性證據。
Whole Life Insurance
WHOLE LIFE是永久保險的原始類型。提供的保險費是按照保單規定支付的,WHOLE LIFE在被保險人的一生中都有效。保費定期支付,一般在合同期限內保持水平和不變。
WHOLE LIFE人壽保險的現金價值通常按照合同中的規定進行保證。
我需要買多少錢的
人壽保險?
您做決定!
我們協助您做出正確決定!購買人壽保險是您整體財務規劃過程中的關鍵一步。我們提供幫助,確定哪些產品最適合您和您家人的需求,講解人壽保險產品的優勢,各產品的稅收優勢,以及您的需求變化對您的人壽保險產品的分析。
Topco Insurance Agency Inc
9250 Reseda Boulevard #11, Northridge
5.0 38 reviews
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Young G
★★★★★
1 年前
Working with Bing Bing from TopCo Insurance Agency has been an absolute pleasure. My elderly dad recently had an auto accident, and I was uncertain how to handle his insurance claim. After contacting Bing Bing at the Northridge Office, … More she took the time to understand my unique needs, and then patiently assisted my dad in completing the accident fact-finding report. In today’s complicated insurance environment, having an advocate to walk my Dad and I through this difficult process is exactly what we needed. I greatly appreciate Bing Bing and her team of skilled professionals for providing us with such top-notch service.
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Peace Kong
★★★★★
1 年前
I’ve had my auto and home insurance with Topco for almost two decades, and I highly recommend the company and Agent Bing for her professional and friendly customer service. She explains insurance options clearly with details regarding possibilities … More to help her customers make informed decisions. I’m also impressed by her efficiency and timely and effective communication with customers. Thank you for working hard to help your customers, Ms. Bing!
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Yun Qin Xue
★★★★★
1 年前
I’ve been with Topco insurance for over 15 years. Bing Bing is my agent all these time, she is super helpful and patient. She always address my needs and explain things very clearly. I highly recommend her, she is truly the best agent. … More
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Steven Hsiao
★★★★★
1 年前
I've used Topco for over a decade now so i have a pretty good understanding of the quality of service they provide. Topco has always been incredibly friendly & a very customer oriented. They are on top of it when you need them … More while also providing great foresight for problems that may arise.
Highly recommended provider! They also will help find the best insurance vendors depending on what your needs are. -
jim cui
★★★★★
1 年前
Bin at topco insurance helped me to get a very good travel insurance policy in term of coverage as well as price. Before I decided to purchase the policy, Bin introduced a reputable insurance company and what are the coverage, so we have … More enough info to decide if i buy it or not. Additionally, Bin suggested some items on the insurance that made me feel safer if I by the policy coverage. Bin is kind and professional. Thanks,
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Helen
★★★★★
a year ago
I was recently looking for insurance quotes and Bing Bing helped me with different options. She is very friendly and professional and willing to help on any questions you have. I really recommend this company as they are just fantastic. … More
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Henry Tsui
★★★★★
2 weeks ago
Ellie, she is so nice and have super memory ,help me solve my home insurance fast and quick.
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GAO Golden
★★★★★
7 months ago
Bingbing has helped us for 15 years — they are always very nice and have helped us through many problems patiently. They’ve saved us a lot of money as well with any issues — we are very grateful!
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Lily Weng
★★★★★
5 months ago
My friend Diana had burglary at her house a couple months ago, by the time she was busy at work, illness make her have to go to emergency room stay over night, like everything happened at her side badly. But luck she had Topco insurance … More Co. Bing helps her to claim, to do the paperwork. She is really appreciated Topco insurance Co.
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Kae Wang
★★★★★
4 months ago
Bing is very knowledgeable and always takes the time to answer my questions thoroughly and patiently. I've been a long time customer of his and will continue to be for a long time. They have the best customer service!
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Wanda Wanda
★★★★★
2 months ago
I’ve been to this company for the past 24 years amd still have. They have amazing staff specially Bing; David and teresa as well. They have new ones and they are all very helpful.. no complain. I recommend this company .
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DE TRAN
★★★★★
3 months ago
I would like to share my experience with Bing, from Topco Insurance Agency Inc. Bing is extremely professional, patient, and helpful when it comes to answering any questions I have.
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Irene Chen
★★★★★
3 months ago
Agent Bing is very knowledgeable and very friendly. She always patiently answers my questions. She assisted my requests quickly.
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Dan Yang
★★★★★
3 months ago
I am with top insurance over 16 years, they are the best agents, specially my health insurance agent bing bing, very professional, very knowledgeable, 💖
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Harun Jafar
★★★★★
10 months ago
We have quite experience in dealing with insurance companies directly or through insurance agencies! For more than 10 years, Topco Insurance Agency has provided us with excellent services in car, home and rental properties insurance. We … More highly praise for the attentive, patience, knowledgeable, and quick to respond of Ms. Bing Ho to our needs and inquires!
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Kay Teng
★★★★★
a month ago
This company is so wonderfully helpful and friendly. I have used their services for over 30 years now, even my father did before me.