Measure the protection gap
before shopping for a product.
No insurer rankings or product sales. Use protection-gap, premium-affordability, and policy cash-flow tools to understand the problem first.
Commercial insurance ≠ social insurance
Commercial insurance pays under contract terms; Taiwan Labor Insurance is a separate social-insurance system.
Turn policy questions into comparable numbers
Insurance Protection Gap Overview
Estimate the remaining financial gap after existing insurance and liquid resources.
Life InsuranceLife Insurance Need Calculator
Estimate life insurance needs using debts, family spending, education needs, and existing resources.
PremiumsInsurance Premium Affordability Calculator
Compare annual insurance premiums with household income and surplus.
Health ProtectionMedical Risk Reserve Gap Calculator
Estimate a medical-event funding gap after current insurance and cash reserves.
Policy Cash FlowPolicy Cash-Flow IRR Calculator
Estimate a simplified annualized IRR from premiums paid and a future policy value.
Policy LoansPolicy Loan Interest Calculator
Estimate simple-interest cost and ending balance for a policy loan.
SurrenderPolicy Surrender Cost Calculator
Compare premiums paid, prior benefits received, and current surrender value.
AnnuitiesAnnuity Income Scenario Calculator
Create a simplified annuity-income scenario from capital and an assumed payout rate.
Before using insurance for legacy planning, understand estate and gift tax
Insurance can be discussed alongside beneficiaries, estate liquidity, and wealth transfer, but tax treatment depends on the policy structure, the relationships among policyowner, insured and beneficiary, funding sources, and the facts of the case.
2026 estate / gift tax estimator
Start with exemptions, selected deductions, and progressive brackets, then confirm the actual case with the tax authority.
Open calculator →Insurance is not automatically exempt from estate tax
Do not assume that naming a beneficiary alone guarantees a particular tax result. Large, short-duration, or unusual funding arrangements can require case-specific tax analysis.
Income, estate/gift, and property taxes
Keep annual income tax, wealth transfers, and property holding/transaction taxes conceptually separate.
Visit Taiwan tax hub →Term vs. whole life: compare the coverage horizon before premiums and cash value
The choice is not simply “cheap vs. expensive.” Match the protection period to the household need, then review affordability, renewal terms, and surrender consequences.
Concentrate a larger benefit during peak responsibilities
Often used for mortgage, dependent-support, and income-replacement needs with a defined time horizon. Check renewal age and future rates.
Longer coverage still has to fit cash flow
Many products may build policy value, but surrender value is not the same as premiums paid and “lifetime” does not automatically mean better.
Compare period, premiums, renewal, and cash value
Use a side-by-side table and planning scenarios before choosing the policy structure.
Read the full comparison →What to review after receiving a policy
When does Taiwan's 10-day cancellation right apply?
FSC guidance describes a 10-day cancellation right for certain individual personal insurance contracts with terms of at least two years.
Separate protection, fees, and investment-account risk
Separate protection, charges, account value, and investment risk
10-topic section, including the 2026 Taiwan sales-rule update.
Investment-linked policies are more than distributions and account returns
Start with the insurance need, then review charges, policy account value, protection costs, underlying investment risk, and early-exit consequences.
Look beyond the headline rate
Savings-type insurance is not a deposit
Declared rates, surrender values, IRR and liquidity.
Participating policy bonuses can be zero
Separate guaranteed benefits from non-guaranteed bonuses.