Protect You and Your Loved Ones

Every Wealth Planner at Harvest Financial Group Insurance possesses professional licenses and extensive experience in serving clients. For our corporate clients, we provide efficient and professional services in every aspect, while also offering complimentary benefits such as risk management, specialized resources, and industry events.

Every Wealth Planner at Harvest Financial Group Insurance possesses professional licenses and extensive experience in serving clients. For our corporate clients, we provide efficient and professional services in every aspect, while also offering complimentary benefits such as risk management, specialized resources, and industry events.

Protect You and Your Loved Ones

Every financial advisor at Harvest Financial Group Insurance possesses professional licenses and extensive experience in serving clients. For our corporate clients, we provide efficient and professional services in every aspect, while also offering complimentary benefits such as risk management, specialized resources, and industry events.

Every financial advisor at Harvest Financial Group Insurance possesses professional licenses and extensive experience in serving clients. For our corporate clients, we provide efficient and professional services in every aspect, while also offering complimentary benefits such as risk management, specialized resources, and industry events.

Life Insurance

Life insurance provides financial protection against unexpected events. At different stages of life, it offers unique financial security for every family. As family income increases, living standards improve, and the number of family members grows, the need for life insurance also changes. Therefore, it is crucial to maintain the right level of financial security for you and your family through a well-planned family insurance strategy at the most reasonable cost. Harvest Financial Group offers comprehensive life insurance products tailored to your needs, aiming for long-term benefits and comprehensive coverage.

Term

Term Life Insurance

  • Characteristics
    Term life insurance is a temporary insurance policy that provides only protection without any cash value. It covers a specific period, such as 10, 20, or 30 years. If the insured passes away during the policy term, the insurance company pays the death benefit.
  • Advantages
    Term life insurance offers affordable premiums, allowing you to obtain a relatively large amount of coverage with a smaller budget.
  • Suitable for
    Individuals who require short-term protection and have a limited budget. It serves as a practical solution for transitioning from short-term plans to long-term plans.

Term Life Insurance

  • Characteristics
    Term life insurance is a temporary insurance policy that provides only protection without any cash value. It covers a specific period, such as 10, 20, or 30 years. If the insured passes away during the policy term, the insurance company pays the death benefit.
  • Advantages
    Term life insurance offers affordable premiums, allowing you to obtain a relatively large amount of coverage with a smaller budget.
  • Suitable for
    Individuals who require short-term protection and have a limited budget. It serves as a practical solution for transitioning from short-term plans to long-term plans.

Permanent Life

Permanent Life

  • Characteristics
    Whole life insurance is a primary product in the insurance market. As the name suggests, it provides coverage for the insured’s entire lifetime until they’re passing. After deducting the fixed insurance costs from the premiums paid, the remaining portion is converted into cash value. The insurance company periodically distributes dividends based on its profitability, causing the cash value within the policy to increase over time.

  • Advantages
    This product offers a solid protection feature and long-term wealth accumulation through cash value, making it an appealing choice for cautious and rational policyholders.
  • Suitable for
    It is well-suited for financially stable individuals with generous budgets.

Permanent Life

  • Characteristics
    Whole life insurance is a primary product in the insurance market. As the name suggests, it provides coverage for the insured’s entire lifetime until their passing. After deducting the fixed insurance costs from the premiums paid, the remaining portion is converted into cash value. The insurance company periodically distributes dividends based on its profitability, causing the cash value within the policy to increase over time.

  • Advantages
    This product offers a solid protection feature and long-term wealth accumulation through cash value, making it an appealing choice for cautious and rational policyholders.
  • Suitable for
    It is well-suited for financially stable individuals with generous budgets.

Universal Life

Universal Life

  • Characteristics
    Similar to whole life insurance, savings-type life insurance also belongs to the category of permanent life insurance, providing lifelong coverage.
  • Advantages
    This type of insurance offers greater flexibility in terms of regulations. Customers have the freedom to make premium payments at any time and can choose the amount within a certain range, as long as it meets the minimum payment requirement. Additionally, it includes cash value and other supplementary benefits such as long-term care, critical illness withdrawals, and partial pre-death benefits.
  • Suitable for
    This insurance product is suitable for individuals with limited economic resources and less stable financial budgets.

Universal Life

  • Characteristics
    Similar to whole life insurance, savings-type life insurance also belongs to the category of permanent life insurance, providing lifelong coverage.
  • Advantages
    This type of insurance offers greater flexibility in terms of regulations. Customers have the freedom to make premium payments at any time and can choose the amount within a certain range, as long as it meets the minimum payment requirement. Additionally, it includes cash value and other supplementary benefits such as long-term care, critical illness withdrawals, and partial pre-death benefits.
  • Suitable for
    This insurance product is suitable for individuals with limited economic resources and less stable financial budgets.

Variable Universal Life

Variable Universal Life

  • Characteristics
    Evolved from universal life insurance, Investment-Linked Universal Life Insurance offers a distinctive feature. Customers have the freedom to choose from a range of funds provided by the insurance company for investment purposes, allowing them to achieve corresponding investment returns. There is no cap on the potential returns, and the earnings are tax-free.
  • Advantages
    This insurance product provides an investment function with significant potential for gains.
  • Suitable for
    Ideal for individuals with a strong understanding of the economy and a higher level of investment expertise.

Variable Universal Life

  • Characteristics
    Evolved from universal life insurance, Investment-Linked Universal Life Insurance offers a distinctive feature. Customers have the freedom to choose from a range of funds provided by the insurance company for investment purposes, allowing them to achieve corresponding investment returns. There is no cap on the potential returns, and the earnings are tax-free.
  • Advantages
    This insurance product provides an investment function with significant potential for gains.
  • Suitable for
    Ideal for individuals with a strong understanding of the economy and a higher level of investment expertise.

Indexed Universal Life

Indexed Universal Life

  • Characteristics
    Indexed Universal Life Insurance offers guaranteed minimum and maximum growth of cash value, with interest calculated based on the performance of an index fund. It is currently one of the most popular life insurance products.
  • Advantages
    In a low-risk investment environment with tax-free growth, the cash value has the potential for relatively high growth. Additionally, with flexible access to the cash value, this insurance can provide financial protection for one’s family in case of unexpected events and serve as an investment account, education fund, or retirement planning tool.
  • Suitable for
    Ideal for individuals with stable finances and ample budget.

Indexed Universal Life

  • Characteristics
    Indexed Universal Life Insurance offers guaranteed minimum and maximum growth of cash value, with interest calculated based on the performance of an index fund. It is currently one of the most popular life insurance products.
  • Advantages
    In a low-risk investment environment with tax-free growth, the cash value has the potential for relatively high growth. Additionally, with flexible access to the cash value, this insurance can provide financial protection for one’s family in case of unexpected events and serve as an investment account, education fund, or retirement planning tool.
  • Suitable for
    Ideal for individuals with stable finances and ample budget.

Selection of A-rated Insurance Companies

Every financial advisor at Harvest Financial Group Insurance possesses professional licenses and extensive experience in serving clients. For our corporate clients, we provide efficient and professional services at every stage. Additionally, you can enjoy complimentary additional services such as risk management, professional resources, and industry events.

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