{"id":139403,"date":"2017-06-09T06:00:45","date_gmt":"2017-06-09T13:00:45","guid":{"rendered":"http:\/\/old.newsforchinese.com\/v3\/?p=139403"},"modified":"2017-06-08T21:19:51","modified_gmt":"2017-06-09T04:19:51","slug":"%e5%9c%a8%e7%be%8e%e5%9c%8b%e5%81%9a%e7%94%9f%e6%84%8f%e4%bb%80%e9%ba%bd%e6%83%85%e6%b3%81%e9%9c%80%e8%a6%81%e8%b3%bc%e8%b2%b7%e5%95%86%e6%a5%ad%e4%bf%9d%e9%9a%aa%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/newsforchinese.com\/v3\/2017\/06\/09\/%e5%9c%a8%e7%be%8e%e5%9c%8b%e5%81%9a%e7%94%9f%e6%84%8f%e4%bb%80%e9%ba%bd%e6%83%85%e6%b3%81%e9%9c%80%e8%a6%81%e8%b3%bc%e8%b2%b7%e5%95%86%e6%a5%ad%e4%bf%9d%e9%9a%aa%ef%bc%9f\/","title":{"rendered":"\u5728\u7f8e\u570b\u505a\u751f\u610f\u4ec0\u9ebd\u60c5\u6cc1\u9700\u8981\u8cfc\u8cb7\u5546\u696d\u4fdd\u96aa\uff1f"},"content":{"rendered":"<p>\u4e0d\u5c11\u65b0\u79fb\u6c11\u5275\u696d\u4eba\u58eb\u5c0d\u7f8e\u570b\u7684\u5546\u696d\u4fdd\u96aa\u6c92\u6709\u592a\u591a\u7684\u4e86\u89e3\uff0c\u5230\u4e86\u7f8e\u570b\u505a\u751f\u610f\u6709\u5f88\u5927\u7684\u6cd5\u5f8b\u98a8\u96aa\u800c\u4e0d\u81ea\u77e5\uff0c<!--more-->\u4f46\u751f\u610f\u537b\u505a\u5f97\u8d8a\u4f86\u8d8a\u7d05\u706b\uff0c\u627f\u64d4\u7684\u98a8\u96aa\u4e5f\u76f8\u5c0d\u8d8a\u4f86\u8d8a\u5927\u3002\u7f8e\u570b\u7684\u5546\u696d\u4fdd\u96aa\u662f\u76f8\u7576\u8907\u96dc\u7684\uff0c\u7a2e\u985e\u7e41\u591a\u8981\u6c42\u8a73\u7d30\uff0c\u5176\u4e2d\u6709\u4e9b\u57fa\u672c\u6982\u5ff5\u8207\u4eba\u5011\u60f3\u7576\u7136\u7684\u7406\u89e3\u6709\u5f88\u591a\u7684\u5dee\u7570\u3002\u5982\u679c\u4e0d\u4e86\u89e3\u9019\u4e9b\u57fa\u672c\u6982\u5ff5\uff0c\u4e0d\u4f46\u8cb7\u4fdd\u96aa\u6642\u7121\u6cd5\u5408\u7406\u5224\u65b7\uff0c\u800c\u4e14\u7406\u8ce0\u6642\u4e5f\u5f88\u5bb9\u6613\u7522\u751f\u6cd5\u5f8b\u7cfe\u7d1b\u3002<\/p>\n<p>\u53e6\u5916\uff0c\u5c0d\u65bc\u4f01\u696d\u4f86\u8aaa\uff0c\u8cfc\u8cb7\u5546\u696d\u4fdd\u96aa\u662f\u70ba\u610f\u60f3\u4e0d\u5230\u7684\u610f\u5916\u505a\u6e96\u5099\u7684\u6700\u597d\u7684\u65b9\u5f0f\uff0c\u7f3a\u4e4f\u9069\u7576\u7684\u4fdd\u8b77\u6216\u8005\u4e0d\u5e78\u4e8b\u4ef6\u7684\u767c\u751f\uff0c\u4f8b\u5982\u91cd\u8981\u96c7\u54e1\u6216\u5408\u4f5c\u5925\u4f34\u7684\u610f\u5916\u6b7b\u4ea1\u3001\u4f01\u696d\u8ca1\u7522\u88ab\u76dc\u3001\u906d\u9047\u5b98\u53f8\u6216\u8005\u81ea\u7136\u707d\u5bb3\u90fd\u53ef\u80fd\u628a\u4e00\u500b\u4f01\u696d\u903c\u5411\u672b\u8def\u3002<\/p>\n<p>\u5f9e\u54e1\u5de5\u7684\u88dc\u511f\u4fdd\u96aa\u5230\u76f8\u95dc\u7684\u884c\u653f\u4fdd\u96aa\uff0c\u5546\u696d\u4fdd\u96aa\u5305\u7f85\u842c\u8c61\uff0c\u696d\u4e3b\u6703\u614e\u91cd\u8003\u616e\u7a76\u7adf\u54ea\u4e00\u7a2e\u985e\u578b\u7684\u4fdd\u96aa\u66f4\u52a0\u9069\u5408\u81ea\u5df1\u7684\u4f01\u696d\u3002<\/p>\n<p>&nbsp;<\/p>\n<p><strong>&#8211; 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3.\u6aa2\u67e5\u4fdd\u55ae\u78ba\u5b9a\u662f\u5426\u9084\u63d0\u4f9b\u5176\u4ed6\u5229\u76ca\uff0c\u6bd4\u5982\uff1a\u652f\u4ed8\u6d88\u6bd2\u6210\u672c\u3001\u516c\u95dc\u8cbb\u7528\u3001\u6216\u6703\u8a08\u4f86\u8a08\u7b97\u60a8\u7684\u7d93\u6fdf\u640d\u5931 \u4e8b\u5be6\u4e0a\uff0c\u76ee\u524d\u6709\u591a\u5bb6\u4fdd\u96aa\u516c\u53f8\u7684\u5546\u696d\u8ca1\u7522\u4fdd\u96aa\u4fdd\u55ae\u4e2d\u4e26\u6c92\u4e0d\u542b\u75c5\u6bd2\u6392\u9664\u689d\u6b3e\uff0c\uff08\u4f8b\u5982\uff1aAspen American Insurance Company, Auto Owners Insurance Company, certain underwriters at Lloyd's London (Beazley Insurance), Cincinnati Insurance, Erie Insurance Company, Society Insurance, and State Farm Fire and Casualty Insurance 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\u5728\u9019\u5e7e\u5e74\uff0c\u7f8e\u570b\u6700\u7099\u624b\u53ef\u71b1\u7684\u4eba\u58fd\u4fdd\u96aa\u985e\u578b\uff0c\u7576\u5c6c\u6307\u6578\u578b\u842c\u80fd\u96aa(\u7c21\u7a31\uff1aIUL)\u4e86\u3002\u6307\u6578\u578b\u842c\u80fd\u96aa\u5c6c\u65bc\u7d42\u8eab\u4eba\u58fd\u4fdd\u96aa\u4e2d\u7684\u96aa\u7a2e\uff0c\u4eca\u5929\u6211\u5011\u7279\u5225\u4f86\u7d66\u5927\u5bb6\u5206\u4eab\u4e00\u4e0b\u7f8e\u570b\u7684\u6307\u6578\u578b\u842c\u80fd\u96aaIndex Universal Life\u3002 \u70ba\u4ec0\u9ebc\u5927\u5bb6\u90fd\u9752\u775e\u6307\u6578\u578b\u842c\u80fd\u96aa\u5462\uff1f 1994\u5e74\uff0c\u7f8e\u570b\u50b5\u5e02\u5371\u6a5f\u7206\u767c\uff0c\u5728\u9019\u4e00\u5e74\u9577\u905412\u500b\u6708\u7684\u6642\u9593\u88e1\uff0c\u57fa\u6e96\u5229\u7387\u9396\u5b9a\u5728\u4e861.5%\uff0c\u6295\u8cc7\u8005\u5e7e\u4e4e\u90fd\u88ab\u8840\u6d17\u4e00\u7a7a\u3002\u4eba\u5011\u9019\u6642\u624d\u610f\u8b58\u5230\uff0c\u4e00\u500b\u6709\u4fdd\u969c\u7684\u6295\u8cc7\u662f\u591a\u9ebc\u91cd\u8981\u3002\u65bc\u662f\uff0c\u201c\u53ea\u8cfa\u4e0d\u8ce0\u201d\u7684\u6307\u6578\u578b\u842c\u80fd\u96aa\u5c31\u5728\u9019\u6a23\u7684\u60c5\u6cc1\u4e0b\u8a95\u751f\u4e86\u3002 \u96d6\u7136\u6307\u6578\u578b\u842c\u80fd\u96aa\u51fa\u73fe\u7684\u6642\u9593\u4e0d\u9577\uff0c\u4f46\u537b\u4e00\u8e8d\u6210\u70ba\u6700\u53d7\u4eba\u559c\u611b\u7684\u4fdd\u96aa\u4e4b\u4e00\uff0c\u5176\u7279\u9ede\u6b78\u7d0d\u800c\u8a00\u4fbf\u662f\uff1a\u53ea\u8cfa\u4e0d\u8ce0\u7684\u3001\u514d\u7a05\u7684\u3001\u65e2\u6709\u751f\u524d\u798f\u5229\u53c8\u6709\u751f\u5f8c\u5229\u76ca\u7684\u4fdd\u96aa\u3002 \u6307\u6578\u578b\u842c\u80fd\u96aa(IUL)\u4f4e\u98a8\u96aa\u3001\u9ad8\u56de\u5831 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\u7c21\u55ae\u4f86\u8aaa\uff0c\u6295\u4fdd\u4eba\u6bcf\u500b\u6708\u4e0a\u4ea4\u7684\u4fdd\u8cbb\uff0c\u5728\u6263\u9664\u4fdd\u96aa\u6210\u672c\u4e4b\u5f8c\uff0c\u81ea\u52d5\u8f49\u63db\u6210\u4e86\u201c\u73fe\u91d1\u503c\u201d\u3002\u4fdd\u96aa\u516c\u53f8\u7528\u9019\u4e00\u7b46\u9322\u53bb\u505a\u4ed6\u5011\u60f3\u8981\u505a\u7684\u6295\u8cc7\uff0c\u4f46\u662f\u8ddf\u5ba2\u6236\u7684\u904a\u6232\u898f\u5247\u662f\u6309\u7167\u6a19\u6e96\u666e\u723e\u7684\u9ede\u5c0d\u9ede\u6d6e\u52d5\u7387Annual Point to Point\uff08\u6bcf\u5e74\u9ede\u5c0d\u9ede\u56de\u5831\uff09\u7d66\u8207\u56de\u5831\u3002 \u56e0\u70ba\u73fe\u91d1\u503c\u4e0d\u662f\u7528\u4f86\u8cb7\u6307\u6578\u57fa\u91d1\uff0c\u6240\u4ee5\u5c31\u7b97\u6307\u6578\u4e0b\u8dcc\u4e5f\u548c\u5ba2\u6236\u6c92\u6709\u95dc\u4fc2\u3002\u7576\u7136\u4fdd\u96aa\u516c\u53f8\u5982\u679c\u60f3\u8981\u6295\u8cc7\u5225\u7684\u5730\u65b9\u4e5f\u662f\u7531\u4fdd\u96aa\u516c\u53f8\u4e00\u529b\u627f\u64d4\uff0c\u81ea\u7136\u4e5f\u8ddf\u5ba2\u6236\u6c92\u6709\u95dc\u4fc2\u3002 \u4f46\u6307\u6578\u578b\u842c\u80fd\u96aa(IUL)\u4e5f\u6709\u4e00\u500b\u9650\u5236\uff0c\u90a3\u5c31\u662f\u6bcf\u5e74\u7684\u56de\u5831\u662f\u5c01\u9802\u7684\uff0c\u6839\u64da\u4fdd\u96aa\u516c\u53f8\u7684\u4e0d\u540c\uff0c\u5c01\u9802\u9650\u5236\u4e5f\u6709\u6240\u4e0d\u540c\uff0c\u901a\u5e38\u572812%-13%\u5de6\u53f3\u3002\u2026","rel":"","context":"In 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Property\u4e8c\u5927\u985e\u3002\u8996\u9910\u5ef3\u898f\u6a21\u5927\u5c0f\u6c7a\u5b9a\u6295\u4fdd\u91d1\u984d\u53ca\u9805\u76ee\uff0c\u4e00\u822c\u4f86\u8aaa\u8cac\u4efb\u96aa\u81f3\u5c11\u90fd\u662f200\u842c\u7f8e\u5143\uff0c\u7522\u7269\u96aa\u5247\u9700\u8981\u696d\u4e3b\u81ea\u884c\u4f30\u7b97\uff0c\u56e0\u70ba\u53ea\u6709\u696d\u4e3b\u6700\u6e05\u695a\u81ea\u5df1\u7684\u88dd\u4fee\u8cbb\u3001\u71df\u696d\u6210\u672c\u548c\u5eab\u5b58\u3002\u81f3\u65bc\u4fdd\u8cbb\uff0c\u4e00\u822c\u4e2d\u5c0f\u578b\u9910\u9928\u5e74\u8cbb\u57281000~2000\u7f8e\u5143\u4e4b\u9593\uff0c\u61c9\u8db3\u5920\u4fdd\u969c\u610f\u5916\u640d\u5931\u3002 \u201c\u4e00\u5206\u9322\u4e00\u5206\u8ca8\u201d\uff0c\u5c31\u5982Angela\u8aaa\u7684\u300eYou pay what you get\u3001You get what you pay\u300f\u3002\u7d93\u71df\u9910\u98f2\u696d\u7684\u8001\u677f\u5011\u8cb7\u4fdd\u96aa\uff0c\u9664\u4e86\u62ff\u51fa\u5c08\u696d\u201c\u7cbe\u6253\u7d30\u7b97\u201d\u4e4b\u5916\uff0c\u614e\u9078\u4fdd\u96aa\u7d93\u7d00\u4eba\u4e5f\u662f\u4e00\u9580\u8a72\u5b78\u7684\u529f\u8ab2\u3002\u300c\u8003\u4e0a\u4fdd\u96aa\u8077\u7167\u5f88\u5bb9\u6613\uff0c\u4fdd\u96aa\u516c\u53f8\u8fa6\u7684\u8077\u696d\u8a13\u7df4\u9664\u4e86\u7522\u54c1\u77e5\u8b58\u5916\uff0c\u9053\u5fb7\u6559\u80b2\u662f\u6bcf\u5bb6\u4fdd\u96aa\u516c\u53f8\u5217\u70ba\u6700\u9ad8\u7684\u6307\u5c0e\u539f\u5247\uff0c\u201c\u4e00\u7c92\u5c4e\u58de\u4e00\u934b\u7ca5\u201d\u7684\u9053\u7406\uff0c\u516c\u53f8\u975e\u5e38\u6e05\u695a\u3002\u300dAngela 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&quot;\u7406\u8ca1\u6295\u8cc7&quot;","block_context":{"text":"\u7406\u8ca1\u6295\u8cc7","link":"https:\/\/newsforchinese.com\/v3\/category\/money\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":43721,"url":"https:\/\/newsforchinese.com\/v3\/2012\/11\/01\/%e4%ba%9e%e5%a4%aa%e8%a3%94%e7%a4%be%e5%8d%80%e6%94%af%e6%8c%8133%e8%99%9f%e6%8f%90%e6%a1%88\/","url_meta":{"origin":139403,"position":5},"title":"\u4e9e\u592a\u88d4\u793e\u5340\u652f\u630133\u865f\u63d0\u6848","author":"Raymond","date":"November 1, 2012","format":false,"excerpt":"\u652f\u630133\u865f\u63d0\u6848(Yes on Prop. 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