April 23, 2023

Looking for Life Protection?

     

Speaking | English & Chinese scripts are provided below and you can understand the content easier. https://youtube.com/@UpgradeEnglish

Good morning Sir, may I help you?

I would like to enquire about the information of insurance products.

Sure. My name is Jenny. Would you please take a seat?

Thank you.

We’ve different types of insurance products. May I have your check the types of protection you’re looking for?

I would like to provide financial support to my wife and children in the event of my death.

We can offer you a wide range of reliable protection plans that can suit your needs.

I would like to ensure my family is looked after continually.

Yes. Life is sometimes complicated and can be unpredictable. 

Reducing the financial burden on my beloved ones is my key purpose. What types of insurance plans should I get?

Please rest assured that our choices of products can keep your family financially secure.

I’m the sole breadwinner in a family and also a new parent raising a young family. I would like to maintain their current lifestyles during my absence.

Thanks for your information. You’re really a fantastic husband. Would you like to consider temporary or permanent protection?

What do you mean by “temporary”?

Temporary means that the protection lasts for a limited period e.g. 10, 15, 20 years and so on. It does not belong to lifelong coverage.

Is the life cover given during the limited period only?

Right. It’s a pure life cover within a fixed term of period. It’s quite flexible and the period can be as short as 5 years and as long as 30 years.

It sounds great. How’s the structure?

The structure of the plan is simple. You can choose how much cover you need and the length of protection. You can just pay for the fixed premium monthly. As the premium is lower than that of other life insurance products, it’s most affordable by the youngsters.

As it’s straightforward, it’s also the most popular type of life insurance. Do you have any questions?

How should I decide the amount of cover?

You may think of the scenario e.g. the cost required for paying for your mortgage loan or supporting your children’s school years in the event of your absence.

I’ve a question. What if I live beyond the term period? Can I get anything?

Your family will not get any benefit. We’ll pay a lump sum of money upon your death which should be within the term period.

If I pay for the premium on time, can I get any savings or cash value finally?

Sorry. With “term life” insurance, it offers a death benefit without any savings element.

I know what you mean. How should I decide the length of coverage?

You may think of the case of paying for your mortgage loan. If it’ll take 10 years to settle all of your mortgage payment, the length of your coverage is suggested to be at least 10 years. It’s one of the ways to determine the length.

Alternatively, people also consider the number of working years as the length of coverage e.g. 20 or 30 years. It’s treated as an income replacement for the family in case of the death of the breadwinner.

Got it.

Your beneficiary will receive the amount of death benefit.

Ok. I should calculate the amount paid to my family that can cover most of the debts and living expenses.

Right. In addition, if the term period is 10 years, you can renew the plan for another 10 years after the end of the period. During renewal, premium should tend to go up as you age with change of health condition.

If you would like to convert to a permanent life insurance plan, we can also arrange for you later. Let me know about any questions.

That’s clear, thank you.

It’s cool. If you would like to go for lifelong coverage, you can also select our “whole life” insurance.

Please provide me more details.

Sure. It’s a permanent coverage for your entire lifetime or till 99 years of age. It’s not limited to a fixed period of time.

How is the premium payment term?

We offer different options e.g. 5, 10, 15 or 20 years. Taking the example of 10 years of payment term, you can still be protected for the whole of your life even you’ve completed 10 years of payment. The protection is lifelong rather than a fixed period of time.

In addition, part of the premium paid can build value overtime and it can generate a guaranteed return rate. Dividends are paid out at regular intervals to the policyholder.

Got it. It explains the reason why the premium is more expensive than that of term life insurance.

Absolutely. To meet customers’ needs, we’ve different plans that are designed with different themes. Our objectives are helping customers to accumulate wealth in addition to lifelong protection coverage. Here are the choices of plans.

We also have another type of life insurance which is similar to whole life insurance. It’s named as “universal life” insurance and you can flexibly select your premium payment term.

Let me have a look.

We’re committed to provide high quality and professional insurance services to our customers.

Thanks for your detailed introduction of the differences of plans.

In addition, our claiming procedure is also speedy and simple. Our customers can submit the request via our mobile application or website conveniently. Documents can be uploaded online for speeding up the process.

During claiming, we understand that customers are in urgent for getting help. The status of approval can be tracked easily and payment will be made based on the method selected from customers.

Our one-stop solution can provide you peace of mind and stress-free protection.

Is your customer service centre running 7×24?

We’ve chatbot which supports customer enquiries anytime. Customers can also approach us via hotline and email.

That’s great.

We can further discuss with you in detail. Our insurance specialists can offer you the most suitable solution based on your coverage goals, family size, income and financial situation.

Good. I would like to understand more. Can you schedule an appointment with me?

Definitely. May I have your available date and time?

Let me check my diary later.

Disclaimer: The purpose of the video is used for educating wording related to insurance and it’s not intended for selling any insurance products.

WITH CHINESE SCRIPT

早上好，先生，有什麼可以幫您嗎？

我想查詢保險產品的資料。

當然可以，我叫珍妮，請您坐下好嗎？

謝謝。

我們有不同類型的保險產品，您想查詢什麼類型的保障？

如果我去世，我想為我的妻子和孩子提供經濟支援。

我們可以為您提供範圍廣泛的可靠保障計劃，以滿足您的需要。

我想確保我的家人得到持續的照顧。

是的，生活有時是複雜的，而且是不可預測的。

減輕我所愛的人的經濟負擔是我的主要目的，我應該考慮哪些類型的保險計劃？

請放心，我們的產品選擇可以確保您家人的財務安全。

我是家裡唯一的經濟支柱，也是撫養年輕家庭的新父母，我想在我離開後保持他們目前的生活水平。

感謝您的資料，您真是個了不起的丈夫，您想考慮暫時保障還是永久保障？

您說的“暫時”是什麼意思？

暫時意味著保障持續一段有限的時間，例如10、15、20 年等等，不屬於終身保障。

人壽保險是否只在有限的時間內提供？

正確的，是固定期限內的純人壽保險，時間非常靈活，短則5年，長則30年。

聽起來不錯，保險計劃的結構如何？

計劃結構很簡單，您可以選擇所需的保障範圍和保障期限，只需按月支付固定保費即可，由於保費低於其他人壽保險產品，這是年輕人最負擔得起的計劃。

由於它簡單易明，也是最受歡迎的人壽保險類型，您有任何問題嗎？

我該如何決定保障金額？

您可以想想這種情況，例如在您不在的情況下支付您的按揭貸款或支持您孩子的學年所需的費用。

我有一個問題，如果我於期限後仍活著怎麼辦？我能得到什麼嗎？

您的家人不會得到任何賠償，如果您在期限內死亡，我們將一次性支付一筆款項。

如果我按時繳付保費，我最終可否獲得任何儲蓄或現金價值？

對不起，對於「定期人壽」保險，是提供沒有任何儲蓄元素的身故賠償。

我明白您的意思，我應該如何決定保險期限？

您可以想想支付按揭貸款的情況，如果您需要 10 年時間才能還清所有按揭貸款，則建議您的保險期限至少為 10 年，這是用作決定期限的方法之一。

或者，其他人也將工作年期作為保險期限，例如20 或 30 年，如果經濟支柱去世，這筆賠償被視為家庭的收入替代品。

明白了。

您的受益人將收到身故賠償。

好的，我應該計算給我家人的金額，以支付大部分債務和生活費用。

正確的，此外，如果期限為 10 年，您可以在期限結束後再續保 10 年，在續保期間，保費應該會隨著年齡的增長和健康狀況的變化而上升。

如果您想轉換為永久人壽保險計劃，我們也可以稍後為您安排，請看看有任何問題。

很清楚了，謝謝。

這很酷，如果您想購買終身保障，您還可以選擇我們的「終身人壽」保險。

請提供更多資料。

當然可以，這是您一生或直到 99 歲的永久性保險可以，它不限於固定的時間段。

保費繳付期如何？

我們提供不同的選擇，例如5、10、15 或 20 年可以，以10年供款期為例，即使您已完成10年供款，您仍可終生受保障可以，保護是終身的，而不是固定的時間段。

此外，所支付的部份保費會隨時間產生價值，並且可以有保證的回報率，紅利會定期支付給保單持有人。

知道了，這就解釋了為什麼終生人壽保險的保費比定期人壽保險貴的原因。

正確的，為了滿足客戶的需求，我們設計了不同主題的不同計劃，我們的目標是幫助客戶在終身保障範圍之外積累財富，請看看這是計劃的選擇。

我們還有另一種類似於終身壽險的人壽保險，名為「萬用人壽」保險，您可以靈活選擇您的保費繳付期限。

讓我看看。

我們致力於為客戶提供優質和專業的保險服務。

感謝您詳細介紹計劃的不同之處。

此外，我們的索賠程序也快速而簡單，我們的客戶可以方便地通過我們的手機應用程式或網站提交申請要求，並可以在線上傳文件以加快流程。

在索賠過程中，我們了解客戶急需獲得幫助，我們提供可以輕鬆跟踪審批狀態，並根據客戶選擇的方式付款。

我們的一站式解決方案可為您提供安心無壓力的保障。

您的客戶服務中心是否全天候服務？

我們有聊天機器人，可以隨時回覆客戶的查詢，客戶也可以通過熱線和電子郵件聯繫我們。

那太棒了。

我們可以進一步與您詳細討論，我們的保險專家可以根據您的保險目標、家庭規模、收入和財務狀況為您提供最合適的解決方案。

好的，我想了解更多，您能和我約個時間嗎？

當然可以，我可以知道您可行的日期和時間嗎？

待會兒我看看我的記事簿。

免責聲明：本視頻的目的是用於教育與保險相關的用詞，而不是為了銷售任何保險產品。


     
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