{"id":9762,"date":"2021-03-01T16:00:00","date_gmt":"2021-03-01T16:00:00","guid":{"rendered":"https:\/\/www.blue.com.hk\/wp\/?p=9762"},"modified":"2025-12-18T03:56:00","modified_gmt":"2025-12-18T03:56:00","slug":"reasons-to-buy-term-life-insurance","status":"publish","type":"post","link":"https:\/\/www.blue.com.hk\/blog\/hk\/blue%e5%b0%88%e6%ac%84\/reasons-to-buy-term-life-insurance","title":{"rendered":"\u70ba\u4ec0\u9ebc\u9700\u8981\u4eba\u58fd\u4fdd\u96aa\uff1f"},"content":{"rendered":"\n<p>\u5728\u65e5\u5e38\u751f\u6d3b\u4e2d\uff0c\u6bcf\u65e5\u7e3d\u6703\u767c\u751f\u5927\u5c0f\u4e0d\u540c\u7684\u707d\u96e3\u6216\u610f\u5916\uff0c\u8f15\u5247\u5c0e\u81f4\u53d7\u50b7\uff0c\u91cd\u5247\u9020 \u6210\u6b7b\u4ea1\u3002\u6211\u5011\u5927\u591a\u900f\u904e\u96fb\u8996\u6216\u7db2\u4e0a\u7684\u50b3\u5a92\u5831\u5c0e\u5f97\u77e5\u6d88\u606f\uff0c\u53ef\u80fd\u6703\u8a8d\u70ba\u300c\u707d\u96e3\u300d \u8ddd\u96e2\u81ea\u5df1\u5f88\u9059\u9060\u6216\u9019\u4e9b\u300c\u610f\u5916\u300d\u4e0d\u6703\u767c\u751f\u5728\u81ea\u5df1\u8eab\u4e0a\uff0c\u5c31\u4ee5\u70ba\u4fdd\u96aa\u6c92\u6709\u8feb\u5207 \u6027\uff0c\u800c\u4e14\u5230\u6709\u9700\u8981\u6642\u624d\u8cfc\u8cb7\u90fd\u53ef\u4ee5\u3002\u5176\u5be6\uff0c\u4ec0\u9ebc\u6642\u5019\u624d\u662f\u300c\u9700\u8981\u300d\u5462?\u96e3\u9053\u8981 \u7b49\u5230\u4e0d\u5e78\u767c\u751f\u6642\u624d\u60f3\u8d77\u4fdd\u96aa?<\/p>\n\n\n\n<p>\u4eba\u58fd\u4fdd\u96aa\u7684\u6700\u5927\u4f5c\u7528\uff0c\u662f\u7576\u6295\u4fdd\u4eba\u4e0d\u5e78\u8eab\u6545\u5f8c\uff0c\u5176\u53d7\u76ca\u4eba\u80fd\u5920\u5f97\u5230\u4e00\u7b46\u8ce0\u511f\uff0c \u70ba\u5bb6\u5ead\u9762\u5c0d\u9a5f\u7136\u800c\u81f3\u7684\u56f0\u5384\u6642\u767c\u63ee\u91cd\u8981\u7684\u4f5c\u7528\uff0c\u662f\u8ca1\u52d9\u898f\u5283\u4e2d\u4e0d\u53ef\u6216\u7f3a\u7684\u4e00 \u74b0\u3002\u800c\u4e14\uff0c\u5728\u5bb6\u5ead\u4e2d\u7684\u8ca1\u653f\u8cac\u4efb\u6108\u5927\uff0c\u6240\u9700\u4fdd\u984d\u4fbf\u61c9\u6108\u5927\u3002\u5982\u679c\u60a8\u662f\u5bb6\u4e2d\u7684\u7d93 \u6fdf\u652f\u67f1\uff0c\u53c8\u6709\u5e74\u5e7c\u5b50\u5973\uff0c\u5c31\u66f4\u61c9\u53ca\u65e9\u70ba\u81ea\u5df1\u53ca\u4ed6\u5011\u8457\u60f3\uff0c\u505a\u597d\u7406\u8ca1\u898f\u5283\uff0c\u4ee5\u514d \u7a81\u5982\u5176\u4f86\u7684\u610f\u5916\u70ba\u5bb6\u5ead\u9020\u6210\u7d93\u6fdf\u58d3\u529b\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u6211\u5011\u61c9\u8a72\u4ec0\u9ebc\u6642\u5019\u8cfc\u8cb7\u4eba\u58fd\u4fdd\u96aa?<\/h2>\n\n\n\n<p>\u6211\u5011\u6bcf\u4e00\u500b\u4eba\uff0c\u90fd\u6709\u6a5f\u6703\u53d7\u60e0\u65bc\u4eba\u58fd\u4fdd\u96aa\u5e36\u4f86\u7684\u4fdd\u969c\u3002\u8cfc\u8cb7\u4eba\u58fd\u4fdd\u96aa\u6642\uff0c\u4fdd\u96aa \u516c\u53f8\u4e00\u822c\u6703\u6839\u64da\u6295\u4fdd\u4eba\u7684\u5065\u5eb7\u72c0\u6cc1\u3001\u5e74\u9f61\u53ca\u8ca1\u52d9\u72c0\u6cc1\u9032\u884c\u5be9\u6838\uff0c\u5e74\u8f15\u4eba\u8eab\u9ad4\u5f37 \u58ef\uff0c\u4e00\u822c\u4e0d\u6703\u51fa\u73fe\u56e0\u70ba\u5065\u5eb7\u539f\u56e0\u800c\u88ab\u4fdd\u96aa\u516c\u53f8\u8981\u6c42\u589e\u52a0\u4fdd\u8cbb\u3001\u6216\u589e\u52a0\u4e0d\u53d7\u4fdd\u9805 \u76ee\u7684\u60c5\u6cc1\u3002\u96a8\u8457\u5e74\u9f61\u6f38\u9577\uff0c\u6211\u5011\u7684\u8eab\u9ad4\u72c0\u6cc1\u53ef\u80fd\u6703\u51fa\u73fe\u8b8a\u5316\uff0c\u4f8b\u5982\u9ad8\u8840\u58d3\u53ca\u4e59 \u578b\u809d\u708e\u7b49\u5e38\u898b\u75be\u75c5\u5747\u6709\u6a5f\u6703\u5f71\u97ff\u4fdd\u8cbb\uff0c\u6240\u4ee5\u6211\u5011\u8d81\u7740\u5e74\u8f15\u6642\u8d8a\u65e9\u8cfc\u8cb7\uff0c\u4fdd\u8cbb\u4ea6 \u6709\u6a5f\u6703\u76f8\u5c0d\u4fbf\u5b9c\u3002\u525b\u8e0f\u5165\u8077\u5834\u7684\u5e74\u8f15\u4eba\u7d93\u6fdf\u80fd\u529b\u6709\u9650\uff0c\u5176\u5be6\u53ef\u4ee5\u6839\u64da\u81ea\u5df1\u7684\u8ca1 \u653f\u72c0\u6cc1\uff0c\u8a08\u5283\u9810\u7559\u90e8\u5206\u8cc7\u91d1\u53bb\u8cfc\u8cb7\u4fdd\u96aa\uff0c\u800c\u7576\u4e2d\u5b9a\u671f\u4eba\u58fd\u4fdd\u96aa\u5c31\u6703\u8f03\u9069\u5408\u7740\u7dca \u4fdd\u8cbb\u9ad8\u4f4e\u7684\u4eba\u58eb\u3002<\/p>\n\n\n\n<p>\u5b9a\u671f\u4eba\u58fd\u4fdd\u96aa\u6700\u5927\u7684\u512a\u9ede\u662f\u6709\u8f03\u9ad8\u69d3\u687f\u6bd4\u7387\uff0c\u4ee5\u76f8\u5b9c\u7684\u4fdd\u8cbb\u7372\u5f97\u8f03\u9ad8\u7684\u8ce0\u511f\u4fdd \u984d\u3002\u4ee5Blue\u63a8\u51fa\u7684\u300cWeCare\u5b9a\u671f\u4eba\u58fd\u4fdd\u969c\u8a08\u52831\u300d\u70ba\u4f8b\uff0c\u4e00\u5e74\u7684\u4fdd\u8cbb\u53ef\u4f4e\u81f3\u7d04\u6e2f \u5e6380\u5143^\uff0c\u8a72\u8a08\u5283\u7684\u4fdd\u969c\u91d1\u984d\u6700\u9ad8\u66f4\u53ef\u9054\u6e2f\u5e63800\u842c\u5143\uff0c\u6295\u4fdd\u4eba\u53ef\u6839\u64da\u500b\u4eba\u8ca1\u653f \u72c0\u6cc1\u53ca\u9700\u8981\u9078\u64c7\u5408\u9069\u7684\u4fdd\u969c\u91d1\u984d\u3002\u800c\u5728\u6307\u5b9a\u4fdd\u969c\u671f\u5167\uff0c\u5b9a\u671f\u4eba\u58fd\u4fdd\u96aa\u7684\u4fdd\u8cbb\u90fd \u4e0d\u6703\u8b8a\u52d5\u3002\u53e6\u5916\uff0c\u4fdd\u8cbb\u66f4\u53ef\u4ee5\u5206\u70ba\u6708\u7e73\u53ca\u5e74\u7e73\u5f62\u5f0f\uff0c\u4f46\u5e74\u8f15\u4eba\u672a\u5fc5\u6709\u8db3\u5920\u6d41\u52d5 \u8cc7\u91d1\uff0c\u56e0\u6b64\u4ea6\u53ef\u4ee5\u8003\u616e\u4ee5\u6708\u7e73\u5f62\u5f0f\u9748\u6d3b\u5730\u7e73\u4ea4\u4fdd\u8cbb\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u4e0d\u80fd\u9810\u8a08\u7684\u610f\u5916\u98a8\u96aa<\/h2>\n\n\n\n<p>\u6b64\u5916\uff0c\u4fdd\u96aa\u4ea6\u70ba\u6211\u5011\u6e1b\u4f4e\u56e0\u70ba\u8eab\u6545\u800c\u5c0e\u81f4\u5165\u606f\u4e2d\u65b7\u6216\u7d93\u6fdf\u640d\u5931\u7684\u8ca1\u653f\u8ca0\u64d4\u3002\u56e0 \u6b64\uff0c\u6211\u5011\u5728\u8cfc\u8cb7\u6642\u9084\u8981\u8003\u616e\u751f\u6d3b\u8207\u5de5\u4f5c\u4e2d\u51fa\u73fe\u610f\u5916\u7684\u6a5f\u7387\u3002\u4f8b\u5982\u5de5\u4f5c\u6d41\u52d5\u6027 \u5927\u3001\u9700\u7d93\u5e38\u51fa\u5dee\u7684\u4eba\u58eb\uff0c\u4ed6\u5011\u4fbf\u9700\u8981\u66f4\u591a\u984d\u5916\u7684\u4fdd\u969c\u53ca\u66f4\u9ad8\u7684\u4fdd\u984d\u3002\u5728\u4fdd\u984d \u4e0a\uff0c\u6211\u5011\u53ef\u4ee5\u5148\u8a08\u7b97\u6bcf\u6708\u958b\u652f\uff0c\u5305\u62ec\u5bb6\u5ead\u652f\u51fa\u3001\u4f9b\u990a\u7236\u6bcd\u53ca\u5b50\u5973\u7b49\uff0c\u7136\u5f8c\u9810\u8a08 \u652f\u4ed8\u9019\u4e9b\u958b\u652f\u7684\u5e74\u671f\uff0c\u800c\u8a08\u7b97\u51fa\u6240\u9700\u7684\u4fdd\u969c\u91d1\u984d 1\uff0c\u8b93\u81ea\u5df1\u53ef\u4ee5\u9810\u7559\u5132\u5099\uff0c\u4ee5\u61c9 \u4ed8\u65e5\u5e38\u751f\u6d3b\u4e2d\u610f\u6599\u4e4b\u5916\u7684\u652f\u51fa\u8cbb\u7528\u3002<\/p>\n\n\n\n<p>\u523b\u677f\u7684\u4eba\u58fd\u4fdd\u96aa\u5df2\u4e0d\u5408\u6642\u5b9c\uff0c\u9748\u6d3b\u4fbf\u6377\u7684\u8a08\u5283\u624d\u80fd\u8fce\u5408\u6211\u5011\u591a\u59ff\u591a\u5f69\u7684\u8c50\u76db\u751f \u6d3b\u3002Blue\u63a8\u51fa\u7684\u300cWeCare\u5b9a\u671f\u4eba\u58fd\u4fdd\u969c\u8a08\u52831\u300d*\uff0c\u70ba\u9632\u79a6\u8eab\u6545\u610f\u5916\u5c0d\u5bb6\u5ead\u8ca1\u653f \u9020\u6210\u7d93\u6fdf\u640d\u5931\u7684\u5f71\u97ff\uff0c\u8b93\u60a8\u53ef\u4ee5\u6bcf\u65e5\u4f4e\u81f3\u6e2f\u5e630.22\u5143^\u7684\u5be6\u60e0\u50f9\u9322\u4fbf\u80fd\u5f97\u5230\u4fdd \u969c\u3002\u53e6\u5916\uff0c\u60a8\u4ea6\u53ef\u4ee5\u6309\u751f\u6d3b\u4e0d\u540c\u968e\u6bb5\uff0c\u9078\u64c7\u6240\u9700\u7684\u4fdd\u969c\u5e74\u671f\uff0c\u800c\u4e14\u4fdd\u969c\u91d1\u984d\u6700 \u9ad8\u66f4\u53ef\u9054\u6e2f\u5e63800\u842c\u5143\u3002\u6210\u529f\u6295\u4fdd\u5f8c\u4ea6\u53ef\u6309\u9700\u8981\u66f4\u6539\u4fdd\u969c\u984d\u3001\u4fdd\u55ae\u4fdd\u969c\u671f\u53ca\u4fdd\u8cbb \u7e73\u4ed8\u671f\uff0c\u4e26\u6709\u6a5f\u6703\u7372\u9000\u9084\u90e8\u5206\u6b3e\u9805\u3002\u7c21\u55ae\u9748\u6d3b\uff0c\u7531\u60a8\u81ea\u4e3b\uff0c\u8b93\u60a8\u53ca\u5bb6\u4eba\u5f9e\u5bb9\u638c \u63e1\u672a\u4f86\u3002<\/p>\n\n\n\n<p>*\u8a73\u60c5\u8acb\u67e5\u95b1\u7522\u54c1\u6982\u8981 <br>^\u5047\u8a2d\u53d7\u4fdd\u4eba\u70ba\u975e\u5438\u7159 18 \u6b72\u5973\u6027\uff0c\u4fdd\u969c\u984d\u70ba\u6e2f\u5e63 25 \u842c\u5143\u6bcf\u5e74\u7e8c\u4fdd\u5b9a\u671f\u8a08\u5283<\/p>\n\n\n\n<p>\u8cc7\u6599\u4f86\u6e90: <br>1. \u9322\u5bb6\u6709\u9053 &#8211; \u5e74\u9752\u4eba\u9700\u8981\u8cb7\u4fdd\u96aa\u55ce?(2019 \u5e74)<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u5728\u65e5\u5e38\u751f\u6d3b\u4e2d\uff0c\u6bcf\u65e5\u7e3d\u6703\u767c\u751f\u5927\u5c0f\u4e0d\u540c\u7684\u707d\u96e3\u6216\u610f\u5916\uff0c\u8f15\u5247\u5c0e\u81f4\u53d7\u50b7\uff0c\u91cd\u5247\u9020 \u6210\u6b7b\u4ea1\u3002\u6211\u5011\u5927\u591a\u900f\u904e\u96fb\u8996\u6216\u7db2\u4e0a\u7684\u50b3\u5a92\u5831\u5c0e\u5f97\u77e5\u6d88\u606f\uff0c\u53ef\u80fd\u6703\u8a8d\u70ba\u300c\u707d\u96e3\u300d \u8ddd\u96e2\u81ea\u5df1\u5f88\u9059\u9060\u6216\u9019\u4e9b\u300c\u610f\u5916\u300d\u4e0d\u6703\u767c\u751f\u5728\u81ea\u5df1\u8eab\u4e0a\uff0c\u5c31\u4ee5\u70ba\u4fdd\u96aa\u6c92\u6709\u8feb\u5207 \u6027\uff0c\u800c\u4e14\u5230\u6709\u9700\u8981\u6642\u624d\u8cfc\u8cb7\u90fd\u53ef\u4ee5\u3002\u5176\u5be6\uff0c\u4ec0\u9ebc\u6642\u5019\u624d\u662f\u300c\u9700\u8981\u300d\u5462?\u96e3\u9053\u8981 \u7b49\u5230\u4e0d\u5e78\u767c\u751f\u6642\u624d\u60f3\u8d77\u4fdd\u96aa? \u4eba\u58fd\u4fdd\u96aa\u7684\u6700\u5927\u4f5c\u7528\uff0c\u662f\u7576\u6295\u4fdd\u4eba\u4e0d\u5e78\u8eab\u6545\u5f8c\uff0c\u5176\u53d7\u76ca\u4eba\u80fd\u5920\u5f97\u5230\u4e00\u7b46\u8ce0\u511f\uff0c \u70ba\u5bb6\u5ead\u9762\u5c0d\u9a5f\u7136\u800c\u81f3\u7684\u56f0\u5384\u6642\u767c\u63ee\u91cd\u8981\u7684\u4f5c\u7528\uff0c\u662f\u8ca1\u52d9\u898f\u5283\u4e2d\u4e0d\u53ef\u6216\u7f3a\u7684\u4e00 \u74b0\u3002\u800c\u4e14\uff0c\u5728\u5bb6\u5ead\u4e2d\u7684\u8ca1\u653f\u8cac\u4efb\u6108\u5927\uff0c\u6240\u9700\u4fdd\u984d\u4fbf\u61c9\u6108\u5927\u3002\u5982\u679c\u60a8\u662f\u5bb6\u4e2d\u7684\u7d93 \u6fdf\u652f\u67f1\uff0c\u53c8\u6709\u5e74\u5e7c\u5b50\u5973\uff0c\u5c31\u66f4\u61c9\u53ca\u65e9\u70ba\u81ea\u5df1\u53ca\u4ed6\u5011\u8457\u60f3\uff0c\u505a\u597d\u7406\u8ca1\u898f\u5283\uff0c\u4ee5\u514d \u7a81\u5982\u5176\u4f86\u7684\u610f\u5916\u70ba\u5bb6\u5ead\u9020\u6210\u7d93\u6fdf\u58d3\u529b\u3002 \u6211\u5011\u61c9\u8a72\u4ec0\u9ebc\u6642\u5019\u8cfc\u8cb7\u4eba\u58fd\u4fdd\u96aa? \u6211\u5011\u6bcf\u4e00\u500b\u4eba\uff0c\u90fd\u6709\u6a5f\u6703\u53d7\u60e0\u65bc\u4eba\u58fd\u4fdd\u96aa\u5e36\u4f86\u7684\u4fdd\u969c\u3002\u8cfc\u8cb7\u4eba\u58fd\u4fdd\u96aa\u6642\uff0c\u4fdd\u96aa \u516c\u53f8\u4e00\u822c\u6703\u6839\u64da\u6295\u4fdd\u4eba\u7684\u5065\u5eb7\u72c0\u6cc1\u3001\u5e74\u9f61\u53ca\u8ca1\u52d9\u72c0\u6cc1\u9032\u884c\u5be9\u6838\uff0c\u5e74\u8f15\u4eba\u8eab\u9ad4\u5f37 \u58ef\uff0c\u4e00\u822c\u4e0d\u6703\u51fa\u73fe\u56e0\u70ba\u5065\u5eb7\u539f\u56e0\u800c\u88ab\u4fdd\u96aa\u516c\u53f8\u8981\u6c42\u589e\u52a0\u4fdd\u8cbb\u3001\u6216\u589e\u52a0\u4e0d\u53d7\u4fdd\u9805 \u76ee\u7684\u60c5\u6cc1\u3002\u96a8\u8457\u5e74\u9f61\u6f38\u9577\uff0c\u6211\u5011\u7684\u8eab\u9ad4\u72c0\u6cc1\u53ef\u80fd\u6703\u51fa\u73fe\u8b8a\u5316\uff0c\u4f8b\u5982\u9ad8\u8840\u58d3\u53ca\u4e59 \u578b\u809d\u708e\u7b49\u5e38\u898b\u75be\u75c5\u5747\u6709\u6a5f\u6703\u5f71\u97ff\u4fdd\u8cbb\uff0c\u6240\u4ee5\u6211\u5011\u8d81\u7740\u5e74\u8f15\u6642\u8d8a\u65e9\u8cfc\u8cb7\uff0c\u4fdd\u8cbb\u4ea6 \u6709\u6a5f\u6703\u76f8\u5c0d\u4fbf\u5b9c\u3002\u525b\u8e0f\u5165\u8077\u5834\u7684\u5e74\u8f15\u4eba\u7d93\u6fdf\u80fd\u529b\u6709\u9650\uff0c\u5176\u5be6\u53ef\u4ee5\u6839\u64da\u81ea\u5df1\u7684\u8ca1 \u653f\u72c0\u6cc1\uff0c\u8a08\u5283\u9810\u7559\u90e8\u5206\u8cc7\u91d1\u53bb\u8cfc\u8cb7\u4fdd\u96aa\uff0c\u800c\u7576\u4e2d\u5b9a\u671f\u4eba\u58fd\u4fdd\u96aa\u5c31\u6703\u8f03\u9069\u5408\u7740\u7dca \u4fdd\u8cbb\u9ad8\u4f4e\u7684\u4eba\u58eb\u3002 \u5b9a\u671f\u4eba\u58fd\u4fdd\u96aa\u6700\u5927\u7684\u512a\u9ede\u662f\u6709\u8f03\u9ad8\u69d3\u687f\u6bd4\u7387\uff0c\u4ee5\u76f8\u5b9c\u7684\u4fdd\u8cbb\u7372\u5f97\u8f03\u9ad8\u7684\u8ce0\u511f\u4fdd [&hellip;]<\/p>\n","protected":false},"author":17,"featured_media":9763,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[25],"tags":[266],"class_list":["post-9762","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blue","tag-266"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u70ba\u4ec0\u9ebc\u9700\u8981\u4eba\u58fd\u4fdd\u96aa | Blue\u5c08\u6b04 | Blue<\/title>\n<meta name=\"description\" content=\"\u70ba\u4ec0\u9ebc\u9700\u8981\u4eba\u58fd\u4fdd\u96aa?\u7576\u6295\u4fdd\u4eba\u4e0d\u5e78\u8eab\u6545\u5f8c\uff0c\u5176\u53d7\u76ca\u4eba\u80fd\u5920\u5f97\u5230\u4e00\u7b46\u8ce0\u511f\uff0c \u70ba\u5bb6\u5ead\u9762\u5c0d\u9a5f\u7136\u800c\u81f3\u7684\u56f0\u5384\u6642\u767c\u63ee\u91cd\u8981\u7684\u4f5c\u7528\uff0c\u662f\u8ca1\u52d9\u898f\u5283\u4e2d\u4e0d\u53ef\u6216\u7f3a\u7684\u4e00 \u74b0\u3002\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.blue.com.hk\/blog\/hk\/blue\u5c08\u6b04\/reasons-to-buy-term-life-insurance\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u70ba\u4ec0\u9ebc\u9700\u8981\u4eba\u58fd\u4fdd\u96aa | Blue\u5c08\u6b04 | Blue\" \/>\n<meta property=\"og:description\" content=\"\u70ba\u4ec0\u9ebc\u9700\u8981\u4eba\u58fd\u4fdd\u96aa?\u7576\u6295\u4fdd\u4eba\u4e0d\u5e78\u8eab\u6545\u5f8c\uff0c\u5176\u53d7\u76ca\u4eba\u80fd\u5920\u5f97\u5230\u4e00\u7b46\u8ce0\u511f\uff0c \u70ba\u5bb6\u5ead\u9762\u5c0d\u9a5f\u7136\u800c\u81f3\u7684\u56f0\u5384\u6642\u767c\u63ee\u91cd\u8981\u7684\u4f5c\u7528\uff0c\u662f\u8ca1\u52d9\u898f\u5283\u4e2d\u4e0d\u53ef\u6216\u7f3a\u7684\u4e00 \u74b0\u3002\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.blue.com.hk\/blog\/hk\/blue\u5c08\u6b04\/reasons-to-buy-term-life-insurance\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/blueinsurancehk\" \/>\n<meta property=\"article:published_time\" content=\"2021-03-01T16:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-12-18T03:56:00+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.blue.com.hk\/blog\/\/app\/uploads\/2025\/07\/reasons_to_but_term_life_insurance.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"712\" \/>\n\t<meta property=\"og:image:height\" content=\"384\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Blue\u4fdd\u96aa\u9054\u4eba\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Blue\u4fdd\u96aa\u9054\u4eba\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.blue.com.hk\/blog\/hk\/blue%e5%b0%88%e6%ac%84\/reasons-to-buy-term-life-insurance\",\"url\":\"https:\/\/www.blue.com.hk\/blog\/hk\/blue%e5%b0%88%e6%ac%84\/reasons-to-buy-term-life-insurance\",\"name\":\"\u70ba\u4ec0\u9ebc\u9700\u8981\u4eba\u58fd\u4fdd\u96aa | Blue\u5c08\u6b04 | Blue\",\"isPartOf\":{\"@id\":\"https:\/\/www.blue.com.hk\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.blue.com.hk\/blog\/hk\/blue%e5%b0%88%e6%ac%84\/reasons-to-buy-term-life-insurance#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.blue.com.hk\/blog\/hk\/blue%e5%b0%88%e6%ac%84\/reasons-to-buy-term-life-insurance#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.blue.com.hk\/blog\/\/app\/uploads\/2025\/07\/reasons_to_but_term_life_insurance.jpg\",\"datePublished\":\"2021-03-01T16:00:00+00:00\",\"dateModified\":\"2025-12-18T03:56:00+00:00\",\"author\":{\"@id\":\"https:\/\/www.blue.com.hk\/blog\/#\/schema\/person\/b4536bde808b8d9be3214751456df766\"},\"description\":\"\u70ba\u4ec0\u9ebc\u9700\u8981\u4eba\u58fd\u4fdd\u96aa?\u7576\u6295\u4fdd\u4eba\u4e0d\u5e78\u8eab\u6545\u5f8c\uff0c\u5176\u53d7\u76ca\u4eba\u80fd\u5920\u5f97\u5230\u4e00\u7b46\u8ce0\u511f\uff0c \u70ba\u5bb6\u5ead\u9762\u5c0d\u9a5f\u7136\u800c\u81f3\u7684\u56f0\u5384\u6642\u767c\u63ee\u91cd\u8981\u7684\u4f5c\u7528\uff0c\u662f\u8ca1\u52d9\u898f\u5283\u4e2d\u4e0d\u53ef\u6216\u7f3a\u7684\u4e00 \u74b0\u3002\",\"breadcrumb\":{\"@id\":\"https:\/\/www.blue.com.hk\/blog\/hk\/blue%e5%b0%88%e6%ac%84\/reasons-to-buy-term-life-insurance#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.blue.com.hk\/blog\/hk\/blue%e5%b0%88%e6%ac%84\/reasons-to-buy-term-life-insurance\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.blue.com.hk\/blog\/hk\/blue%e5%b0%88%e6%ac%84\/reasons-to-buy-term-life-insurance#primaryimage\",\"url\":\"https:\/\/www.blue.com.hk\/blog\/\/app\/uploads\/2025\/07\/reasons_to_but_term_life_insurance.jpg\",\"contentUrl\":\"https:\/\/www.blue.com.hk\/blog\/\/app\/uploads\/2025\/07\/reasons_to_but_term_life_insurance.jpg\",\"width\":712,\"height\":384},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.blue.com.hk\/blog\/hk\/blue%e5%b0%88%e6%ac%84\/reasons-to-buy-term-life-insurance#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.blue.com.hk\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"\u70ba\u4ec0\u9ebc\u9700\u8981\u4eba\u58fd\u4fdd\u96aa\uff1f\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.blue.com.hk\/blog\/#website\",\"url\":\"https:\/\/www.blue.com.hk\/blog\/\",\"name\":\"\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.blue.com.hk\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.blue.com.hk\/blog\/#\/schema\/person\/b4536bde808b8d9be3214751456df766\",\"name\":\"Blue\u4fdd\u96aa\u9054\u4eba\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.blue.com.hk\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/www.blue.com.hk\/blog\/\/app\/uploads\/2025\/07\/Blue_insurance_knowledge-2.png\",\"contentUrl\":\"https:\/\/www.blue.com.hk\/blog\/\/app\/uploads\/2025\/07\/Blue_insurance_knowledge-2.png\",\"caption\":\"Blue\u4fdd\u96aa\u9054\u4eba\"},\"sameAs\":[\"https:\/\/www.blue.com.hk\",\"https:\/\/www.facebook.com\/blueinsurancehk\",\"https:\/\/www.instagram.com\/blueinsurancehk\",\"https:\/\/www.youtube.com\/@BlueHKinsurance\"],\"url\":\"https:\/\/www.blue.com.hk\/blog\/hk\/author\/blue-insurance-knowledge\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"\u70ba\u4ec0\u9ebc\u9700\u8981\u4eba\u58fd\u4fdd\u96aa | Blue\u5c08\u6b04 | Blue","description":"\u70ba\u4ec0\u9ebc\u9700\u8981\u4eba\u58fd\u4fdd\u96aa?\u7576\u6295\u4fdd\u4eba\u4e0d\u5e78\u8eab\u6545\u5f8c\uff0c\u5176\u53d7\u76ca\u4eba\u80fd\u5920\u5f97\u5230\u4e00\u7b46\u8ce0\u511f\uff0c \u70ba\u5bb6\u5ead\u9762\u5c0d\u9a5f\u7136\u800c\u81f3\u7684\u56f0\u5384\u6642\u767c\u63ee\u91cd\u8981\u7684\u4f5c\u7528\uff0c\u662f\u8ca1\u52d9\u898f\u5283\u4e2d\u4e0d\u53ef\u6216\u7f3a\u7684\u4e00 \u74b0\u3002","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.blue.com.hk\/blog\/hk\/blue\u5c08\u6b04\/reasons-to-buy-term-life-insurance","og_locale":"en_US","og_type":"article","og_title":"\u70ba\u4ec0\u9ebc\u9700\u8981\u4eba\u58fd\u4fdd\u96aa | Blue\u5c08\u6b04 | Blue","og_description":"\u70ba\u4ec0\u9ebc\u9700\u8981\u4eba\u58fd\u4fdd\u96aa?\u7576\u6295\u4fdd\u4eba\u4e0d\u5e78\u8eab\u6545\u5f8c\uff0c\u5176\u53d7\u76ca\u4eba\u80fd\u5920\u5f97\u5230\u4e00\u7b46\u8ce0\u511f\uff0c \u70ba\u5bb6\u5ead\u9762\u5c0d\u9a5f\u7136\u800c\u81f3\u7684\u56f0\u5384\u6642\u767c\u63ee\u91cd\u8981\u7684\u4f5c\u7528\uff0c\u662f\u8ca1\u52d9\u898f\u5283\u4e2d\u4e0d\u53ef\u6216\u7f3a\u7684\u4e00 \u74b0\u3002","og_url":"https:\/\/www.blue.com.hk\/blog\/hk\/blue\u5c08\u6b04\/reasons-to-buy-term-life-insurance","article_author":"https:\/\/www.facebook.com\/blueinsurancehk","article_published_time":"2021-03-01T16:00:00+00:00","article_modified_time":"2025-12-18T03:56:00+00:00","og_image":[{"width":712,"height":384,"url":"https:\/\/www.blue.com.hk\/blog\/\/app\/uploads\/2025\/07\/reasons_to_but_term_life_insurance.jpg","type":"image\/jpeg"}],"author":"Blue\u4fdd\u96aa\u9054\u4eba","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Blue\u4fdd\u96aa\u9054\u4eba","Est. reading time":"1 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.blue.com.hk\/blog\/hk\/blue%e5%b0%88%e6%ac%84\/reasons-to-buy-term-life-insurance","url":"https:\/\/www.blue.com.hk\/blog\/hk\/blue%e5%b0%88%e6%ac%84\/reasons-to-buy-term-life-insurance","name":"\u70ba\u4ec0\u9ebc\u9700\u8981\u4eba\u58fd\u4fdd\u96aa | Blue\u5c08\u6b04 | Blue","isPartOf":{"@id":"https:\/\/www.blue.com.hk\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.blue.com.hk\/blog\/hk\/blue%e5%b0%88%e6%ac%84\/reasons-to-buy-term-life-insurance#primaryimage"},"image":{"@id":"https:\/\/www.blue.com.hk\/blog\/hk\/blue%e5%b0%88%e6%ac%84\/reasons-to-buy-term-life-insurance#primaryimage"},"thumbnailUrl":"https:\/\/www.blue.com.hk\/blog\/\/app\/uploads\/2025\/07\/reasons_to_but_term_life_insurance.jpg","datePublished":"2021-03-01T16:00:00+00:00","dateModified":"2025-12-18T03:56:00+00:00","author":{"@id":"https:\/\/www.blue.com.hk\/blog\/#\/schema\/person\/b4536bde808b8d9be3214751456df766"},"description":"\u70ba\u4ec0\u9ebc\u9700\u8981\u4eba\u58fd\u4fdd\u96aa?\u7576\u6295\u4fdd\u4eba\u4e0d\u5e78\u8eab\u6545\u5f8c\uff0c\u5176\u53d7\u76ca\u4eba\u80fd\u5920\u5f97\u5230\u4e00\u7b46\u8ce0\u511f\uff0c \u70ba\u5bb6\u5ead\u9762\u5c0d\u9a5f\u7136\u800c\u81f3\u7684\u56f0\u5384\u6642\u767c\u63ee\u91cd\u8981\u7684\u4f5c\u7528\uff0c\u662f\u8ca1\u52d9\u898f\u5283\u4e2d\u4e0d\u53ef\u6216\u7f3a\u7684\u4e00 \u74b0\u3002","breadcrumb":{"@id":"https:\/\/www.blue.com.hk\/blog\/hk\/blue%e5%b0%88%e6%ac%84\/reasons-to-buy-term-life-insurance#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.blue.com.hk\/blog\/hk\/blue%e5%b0%88%e6%ac%84\/reasons-to-buy-term-life-insurance"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.blue.com.hk\/blog\/hk\/blue%e5%b0%88%e6%ac%84\/reasons-to-buy-term-life-insurance#primaryimage","url":"https:\/\/www.blue.com.hk\/blog\/\/app\/uploads\/2025\/07\/reasons_to_but_term_life_insurance.jpg","contentUrl":"https:\/\/www.blue.com.hk\/blog\/\/app\/uploads\/2025\/07\/reasons_to_but_term_life_insurance.jpg","width":712,"height":384},{"@type":"BreadcrumbList","@id":"https:\/\/www.blue.com.hk\/blog\/hk\/blue%e5%b0%88%e6%ac%84\/reasons-to-buy-term-life-insurance#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.blue.com.hk\/blog\/"},{"@type":"ListItem","position":2,"name":"\u70ba\u4ec0\u9ebc\u9700\u8981\u4eba\u58fd\u4fdd\u96aa\uff1f"}]},{"@type":"WebSite","@id":"https:\/\/www.blue.com.hk\/blog\/#website","url":"https:\/\/www.blue.com.hk\/blog\/","name":"","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.blue.com.hk\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/www.blue.com.hk\/blog\/#\/schema\/person\/b4536bde808b8d9be3214751456df766","name":"Blue\u4fdd\u96aa\u9054\u4eba","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.blue.com.hk\/blog\/#\/schema\/person\/image\/","url":"https:\/\/www.blue.com.hk\/blog\/\/app\/uploads\/2025\/07\/Blue_insurance_knowledge-2.png","contentUrl":"https:\/\/www.blue.com.hk\/blog\/\/app\/uploads\/2025\/07\/Blue_insurance_knowledge-2.png","caption":"Blue\u4fdd\u96aa\u9054\u4eba"},"sameAs":["https:\/\/www.blue.com.hk","https:\/\/www.facebook.com\/blueinsurancehk","https:\/\/www.instagram.com\/blueinsurancehk","https:\/\/www.youtube.com\/@BlueHKinsurance"],"url":"https:\/\/www.blue.com.hk\/blog\/hk\/author\/blue-insurance-knowledge"}]}},"_links":{"self":[{"href":"https:\/\/www.blue.com.hk\/blog\/wp-json\/wp\/v2\/posts\/9762","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.blue.com.hk\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.blue.com.hk\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.blue.com.hk\/blog\/wp-json\/wp\/v2\/users\/17"}],"replies":[{"embeddable":true,"href":"https:\/\/www.blue.com.hk\/blog\/wp-json\/wp\/v2\/comments?post=9762"}],"version-history":[{"count":4,"href":"https:\/\/www.blue.com.hk\/blog\/wp-json\/wp\/v2\/posts\/9762\/revisions"}],"predecessor-version":[{"id":10349,"href":"https:\/\/www.blue.com.hk\/blog\/wp-json\/wp\/v2\/posts\/9762\/revisions\/10349"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.blue.com.hk\/blog\/wp-json\/wp\/v2\/media\/9763"}],"wp:attachment":[{"href":"https:\/\/www.blue.com.hk\/blog\/wp-json\/wp\/v2\/media?parent=9762"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.blue.com.hk\/blog\/wp-json\/wp\/v2\/categories?post=9762"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.blue.com.hk\/blog\/wp-json\/wp\/v2\/tags?post=9762"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}