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\u6211\u70ba\u5979\u505a\u5982\u4e0b\u898f\u5283\uff1a\u5979\u628a\u524d\u516c\u53f8401K\u5167\u768465\u842c\u7f8e\u5143\u4e2d\u768430\u842c\u7f8e\u5143\u8f49\u5230\u56fa\u5b9a\u6307\u6578\u5e74\u91d1\u4f86\uff0c\u6536\u5165\u8cec\u6236\u7acb\u99ac\u7372\u5f97\u958b\u6236\u7d05\u522920\uff05\uff0c\u7b2c\u4e00\u5e74\u6536\u5165\u8cec\u6236\u70ba$ 360,000\uff08$ 300,000 x 1.2\uff09 \uff0c\u4fdd\u672c\uff0c\u6307\u6578\u6f32\u8ddf\u8457\u6f32\uff0c\u6307\u6578\u8dcc\u5b83\u4e0d\u8dcc\uff0c\u6c92\u6709\u7ba1\u7406\u8cbb\uff0c\u6c92\u6709\u670d\u52d9\u8cbb\uff0c\u6536\u5165\u589e\u91cf\uff0c\u6d3b\u5f97\u8d8a\u4e45\u9818\u5f97\u8d8a\u591a\u300271\u6b72\u958b\u59cb\u62ff\u9322\uff0c80\u6b72\u6642\u5171\u9818\u53d6\u7684\u5e74\u91d1\u7d04\u6709$ 492,317\u7f8e\u5143\uff0c90\u6b72\u6642\u5171\u9818\u53d6\u7684\u5e74\u91d1\u7d04\u6709$ 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Life\uff0c\u7c21\u7a31IUL\u300b\uff0c\u5b83\u662f\u96c6\u4eba\u58fd\uff0c\u500d\u589e\u7bc0\u7701\uff0c\u7d55\u75c7\u4fdd\u96aa\uff0c\u9577\u671f\u8b77\u7406\/\u6162\u6027\u75be\u75c5\uff0c\u91cd\u5927\u75be\u75c5\uff0c\u91cd\u5927\u50b7\u6b98\u53ca\u7d42\u751f\u514d\u7a05\u9000\u4f11\u91d1\u529f\u80fd\u65bc\u4e00\u8eab\u7684\u300a 7\u54081\u4fdd\u96aa\u300b\u3002\u842c\u4e00\u6709\u91cd\u5927\u75be\u75c5\uff0c\u91cd\u5927\u50b7\u6b98\uff0c\u9577\u671f\u8b77\u7406\/\u6162\u6027\u75be\u75c5\uff0c\u7d55\u75c7\uff08\u751f\u547d\u9031\u671f\u572824\u500b\u6708\u4e4b\u5167\uff09\u6642\uff0c\u53ef\u5411\u4fdd\u96aa\u516c\u53f8\u7533\u8acb\u63d0\u524d\u7406\u8ce0\uff0c\u628a\u8eab\u5f8c\u7406\u8ce0\u8b8a\u6210\u63d0\u524d\u7406\u8ce0\uff0c\u8b93\u6d3b\u8457\u6642\u5c31\u53ef\u4ee5\u4f7f\u7528\u7406\u8ce0\u91d1\uff0c\u7406\u8ce0\u91d1\u6700\u9ad8\u53ef\u9054\u4fdd\u984d\u7684100\uff05\uff0c\u7406\u8ce0\u91d1\u5747\u7121\u9700\u7d0d\u7a05\uff01\u5b8c\u5168\u514d\u7a05\uff01 \u6211\u5e6b\u5979\u9078\u64c7\u6b7b\u4ea1\u798f\u5229\u9078\u9805A \u2013\u7d1a\uff0c\u4fdd\u55ae\u73fe\u91d1\u503c\u4ee5\u6a19\u6e96\u666e\u723e500\u6307\u6578\u6307\u6578\u5e73\u5747\u5e74\u589e\u9577\u73876\uff05-7\uff05\u8907\u5229\u589e\u503c\u8a08\u7b97\uff0c\u5979\u6c7a\u5b9a\u898110\u5e74\u4ed8\u6e05\uff0c\u6bcf\u500b\u6708\u4ed8\u4fdd\u8cbb$ 1,481.54\u7f8e\u5143\uff0c\u4e00\u5e74\u4fdd\u8cbb\u70ba$ 17,778.48\u7f8e\u5143\uff08$ 1,481.54 x 12\u500b\u6708\uff09\u3002\u4fdd\u96aa\u5f9e\u958b\u59cb\u751f\u6548\u5230120\u6b72\uff0c\u4efb\u4f55\u6642\u5019\u5979\u904e\u4e16\u4e86\uff0c\u4fdd\u96aa\u516c\u53f8\u90fd\u8981\u8ce050\u842c\u7f8e\u5143\uff0c\u6c92\u6709\u6536\u76ca\u3002 \u203b\u6211\u5011\u4f86\u7b97\u7b46\u8cec\uff0c\u5982\u679c\u53d7\u4fdd\u4eba65\u6b72\u6642\u82e5\uff1a *\u60a3\u6709\u60a3\u7d55\u75c7\uff0c\u4fdd\u96aa\u516c\u53f8\u4e00\u6b21\u6027\u751f\u524d\u7406\u8ce0\u8ce0\u4ed8\u80fd\u529b\u7d04$ 417,200\u7f8e\u5143\uff08\u82e5\u88ab\u91ab\u751f\u8a3a\u65b7\u5728\u4e16\u4e0a\u53ea\u6709\u5169\u5e74\u7684\u5b58\u6d3b\u671f\uff09\u3002 *\u5f97\u4e86\u6162\u6027\u75c5\uff08\u5403\u98ef\uff0c\u7a7f\u8863\uff0c\u6d17\u6fa1\uff0c\u5982\u5ec1\uff0c\u632a\u52d5\uff0c\u5927\u5c0f\u4fbf\u5931\u7981\u7b49\u4efb\u4f55\u5176\u4e2d\u5927\u90e8\u5206\u4e0d\u80fd\u81ea\u7406\uff0c\u9019\u6a23\u60c5\u6cc1\u6301\u7e8c\u8d85\u904e90\u5929\uff09\uff0c\u4fdd\u96aa\u516c\u53f8\u6bcf\u6708\u652f\u4ed8\u53d7\u4fdd\u4eba\u9810\u8a08\u7d04$ 6,919\u5143\uff0c\u7406\u8ce0\u6301\u7e8c\u9ad8\u905450\u500b\u6708\u3002 *\u60a3\u6709\u60a3\u91cd\u5927\u75be\u75c5\uff08\u7b2c\u56db\u985e\uff1a\u751f\u547d\u5371\u96aa\uff09\uff0c\u4fdd\u96aa\u516c\u53f8\u4e00\u6b21\u6027\u751f\u524d\u7406\u8ce0\u640d\u5931\u53ef\u9054\u7d04$ 391,226\u7f8e\u5143\u3002 *\u5982\u679c\u6c92\u6709\u7528\u5230\u91cd\u5927\u75be\u75c5\u6216\u6162\u6027\u75be\u75c5\u7684\u7406\u8ce0\uff0c\u5c07\u4f86\u53d7\u4fdd\u4eba\u5f80\u751f\u5f8c\uff0c\u4fdd\u96aa\u516c\u53f8\u6703\u4e00\u7b46\u7406\u8ce0\u91d1$ 500,000\u7d66\u53d7\u76ca\u4eba\u3002 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&quot;\u7126\u9ede\u5831\u5c0e&quot;","block_context":{"text":"\u7126\u9ede\u5831\u5c0e","link":"https:\/\/newsforchinese.com\/v3\/category\/feature\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2016\/01\/cover-california.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2016\/01\/cover-california.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2016\/01\/cover-california.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":152655,"url":"https:\/\/newsforchinese.com\/v3\/2018\/02\/27\/%e7%be%8e%e5%9c%8b%e4%ba%ba%e5%a3%bd%e4%bf%9d%e9%9a%aa%e5%85%a5%e9%96%80%e7%a7%91%e6%99%ae\/","url_meta":{"origin":169052,"position":4},"title":"\u7f8e\u570b\u4eba\u58fd\u4fdd\u96aa\u5165\u9580\u79d1\u666e","author":"Raymond","date":"February 27, 2018","format":false,"excerpt":"\u5728\u7f8e\u570b\uff0c\u96a8\u8457\u7d93\u6fdf\u7684\u767c\u5c55\uff0c\u4fdd\u96aa\u7522\u54c1\u5e7e\u7d93\u6f14\u8b8a\uff0c\u6709\u4e9b\u5df2\u7d93\u6dd8\u6c70\u51fa\u5c40\uff0c\u6709\u4e9b\u4e0d\u65b7\u66f4\u65b0\u63db\u4ee3\u3002\u9664\u4e86\u5065\u5eb7\u4fdd\u96aa\u3001\u623f\u5c4b\u4fdd\u96aa\u548c\u6c7d\u8eca\u4fdd\u96aa\uff0c\u4eba\u58fd\u4fdd\u96aa\u4e5f\u662f\u540c\u7b49\u91cd\u8981\u3002\u6709\u4eba\u8a8d\u70ba\uff0c\u4eba\u58fd\u4fdd\u96aa\u662f\u5c0d\u81ea\u5df1\u8207\u5bb6\u4eba\u8ca0\u8cac\u7684\u505a\u6cd5\u4e4b\u4e00\uff0c\u4f46\u4e5f\u4e0d\u5c11\u4eba\u5c0d\u65bc\u4eba\u58fd\u4fdd\u96aa\u611f\u89ba\u5f88\u89f8\u9ef4\u982d\uff0c\u4e0d\u50c5\u770b\u4e0d\u898b\u4e5f\u672a\u5fc5\u7528\u7684\u5230\uff0c\u6bcf\u500b\u6708\u9084\u8981\u4e00\u76f4\u7e73\u4fdd\u8cbb\u7684\u7279\u6027\u800c\u7336\u8c6b\u537b\u6b65\uff0c\u751a\u81f3\u662f\u4e0d\u7406\u89e3\u5230\u5e95\u4ec0\u9ebc\u662f\u4eba\u58fd\u4fdd\u96aa\uff1f\u70ba\u4f55\u8981\u4fdd\u5b83\uff1f\u9084\u6709\u597d\u8655\u5230\u5e95\u662f\u4ec0\u9ebc\uff1f\u672c\u7bc7\u5c31\u70ba\u5927\u5bb6\u6574\u7406\u51fa\u7f8e\u570b\u4eba\u58fd\u4fdd\u96aa\u5165\u9580\u79d1\u666e\u3002 \u9664\u4e86\u4fdd\u96aa\u516c\u53f8\u4e4b\u5916\uff0c\u4fdd\u96aa\u55ae\u6d89\u53ca\u6709\u56db\u500b\u4e3b\u9ad4\uff1a 1 \u64c1\u6709\u4eba\uff08Owner\uff09\uff1a \u64c1\u6709\u4eba\u4eab\u6709\u6700\u5927\u7684\u6b0a\u5229\uff0c\u6bd4\u5982\u66f4\u6539\u53d7\u76ca\u4eba\uff0c\u4fdd\u96aa\u516c\u53f8\u901a\u5e38\u53ea\u548c\u64c1\u6709\u4eba\u5c0d\u8a71\u3002 2 \u6295\u4fdd\u4eba\uff08Insured\uff09\uff1a \u6295\u4fdd\u4eba\u662f\u4e0d\u53ef\u4ee5\u9032\u884c\u66f4\u6539\u7684\uff0c\u6295\u4fdd\u4eba\u7684\u5e74\u9f61\u3001\u8eab\u9ad4\u72c0\u6cc1\u3001\u4ee5\u53ca\u98a8\u96aa\u5f71\u97ff\u5230\u4fdd\u8cbb\u7684\u591a\u5c11\u3002 3 \u4ed8\u6b3e\u4eba\uff08Payor\uff09\uff1a \u4ed8\u6b3e\u4eba\u5c31\u662f\u652f\u4ed8\u4fdd\u8cbb\u7684\u4eba\u3002 4 \u53d7\u76ca\u4eba\uff08Beneficiary\uff09\uff1a \u6295\u4fdd\u4eba\u6b7b\u4ea1\u5f8c\uff0c\u7406\u8ce0\u91d1\u652f\u4ed8\u7d66\u53d7\u76ca\u4eba\u3002 \u64c1\u6709\u4eba\u3001\u6295\u4fdd\u4eba\u3001\u4ed8\u6b3e\u4eba\u53ef\u80fd\u662f\u540c\u4e00\u500b\u4eba\uff0c\u64c1\u6709\u4eba\u4e5f\u6709\u53ef\u80fd\u662f\u53d7\u76ca\u4eba\u3002\u6839\u64da\u76f8\u95dc\u898f\u5b9a\uff0c\u5982\u679c\u4ed8\u6b3e\u4eba\u548c\u64c1\u6709\u4eba\u4e0d\u662f\u540c\u4e00\u500b\u4eba\uff0c\u6bcf\u5e74\u4ed8\u8cbb\u8d85\u904e$12,000\u5c31\u9700\u8981\u7e73\u7d0d\u79ae\u54c1\u7a05\uff1b\u5982\u679c\u64c1\u6709\u4eba\u7533\u8acb\u91ab\u7642\u88dc\u52a9\u7b49\u985e\u4f3c\u7684\u653f\u5e9c\u798f\u5229\uff0c\u53ef\u80fd\u6703\u88ab\u8981\u6c42\u653e\u68c4\u64c1\u6709\u4eba\u7684\u8cc7\u683c\u3002 \u4eba\u58fd\u4fdd\u96aa\u4e3b\u8981\u5206\u70ba\u4e94\u7a2e\uff0c\u6309\u7167\u7522\u54c1\u554f\u4e16\u7684\u9806\u5e8f\u5206\u5225\u662f\uff1a Term (\u5b9a\u671f\u4eba\u58fd\u4fdd\u96aa) Whole Life\/Permanent Life\uff08\u7d42\u8eab\u4eba\u58fd\u4fdd\u96aa\/\u6c38\u4e45\u58fd\u96aa\uff09 Universal Life\uff08\u5132\u84c4\u578b\u4eba\u58fd\u4fdd\u96aa\/\u842c\u80fd\u96aa\uff09 Variable Universal Life\uff08\u6295\u8cc7\u578b\u842c\u80fd\u96aa) Indexed Universal Life(\u6307\u6578\u578b\u842c\u80fd\u96aa) \u9664\u4e86\u5b9a\u671f\u4eba\u58fd\u4fdd\u96aa\uff0c\u5f8c\u56db\u7a2e\u90fd\u662f\u7d42\u8eab\u6301\u6709\u4e26\u5177\u6709\u73fe\u91d1\u50f9\u503c-\u5373\u4fdd\u8cbb\u5728\u652f\u4ed8\u4fdd\u96aa\u6210\u672c\u548c\u9644\u52a0\u6210\u672c\u4e4b\u5f8c\uff0c\u6703\u9032\u5165\u4fdd\u96aa\u516c\u53f8\u53e6\u5916\u8a2d\u7f6e\u7684\u5132\u84c4\/\u6295\u8cc7\u8cec\u6236\uff08savings\/separate account\uff09\u9032\u884c\u73fe\u91d1\u50f9\u503c\u7a4d\u3002 Term (\u5b9a\u671f\u4eba\u58fd\u4fdd\u96aa\uff09\uff1a \u6700\u65e9\u671f\u4e5f\u662f\u6700\u7c21\u55ae\u7684\u57fa\u672c\u4fdd\u96aa\u985e\u578b\u3002\u4e5f\u7a31\u70ba\u81e8\u6642\u4fdd\u96aa\u6216\u5b9a\u671f\u4fdd\u96aa\u3002\u53ea\u6709\u4fdd\u969c\u529f\u80fd\uff0c\u6c92\u6709\u73fe\u91d1\u503c\u3002\u9867\u540d\u601d\u7fa9\uff0c\u9019\u985e\u4fdd\u96aa\u53ea\u4fdd\u4e00\u5b9a\u7684\u671f\u9650\uff0c\u598210\u5e74\u300115\u5e74\u300120\u5e74\u548c30\u5e74\u3002\u88ab\u4fdd\u96aa\u4eba\u5982\u679c\u5728\u6709\u6548\u671f\u5167\u904e\u4e16\uff0c\u4fdd\u96aa\u516c\u53f8\u8ce0\u4ed8\u4fdd\u984d\u3002\u597d\u8655\u662f\u4fdd\u8cbb\u4fbf\u5b9c\uff0c\u8f03\u5c0f\u7684\u9810\u7b97\u5c31\u80fd\u7372\u5f97\u76f8\u5c0d\u5927\u984d\u7684\u4fdd\u969c\u3002\u4f46\u7531\u65bc\u4e0d\u5177\u6709\u73fe\u91d1\u503c\uff0c\u6240\u4ee5\u6c92\u6709\u5132\u84c4\u548c\u6295\u8cc7\u7684\u529f\u80fd\u3002\u800c\u4e14\u4fdd\u96aa\u5408\u540c\u5230\u671f\u5f8c\uff0c\u7531\u65bc\u88ab\u4fdd\u96aa\u4eba\u5e74\u9f61\u589e\u9577\uff0c\u518d\u60f3\u8cfc\u8cb7\u4fdd\u96aa\u5c31\u6703\u8b8a\u5f97\u975e\u5e38\u7684\u6602\u8cb4\u3002\u9019\u985e\u7522\u54c1\u6700\u9069\u5408\u9700\u8981\u7372\u5f97\u77ed\u671f\u4fdd\u969c\u548c\u9810\u7b97\u6bd4\u8f03\u6709\u9650\u7684\u6295\u4fdd\u8005\u3002\u662f\u77ed\u671f\u8a08\u5283\uff0c\u4e5f\u662f\u60f3\u9577\u671f\u8a08\u5283\u904e\u6e21\u7684\u6b0a\u5b9c\u4e4b\u8a08\u3002 Whole life\uff08\u7d42\u8eab\u4eba\u58fd\u4fdd\u96aa\uff09\uff1a \u8fd1\u767e\u5e74\u4f86\uff0c\u7d42\u751f\u58fd\u96aa\u662f\u7f8e\u570b\u58fd\u96aa\u5e02\u5834\u7684\u4e3b\u8981\u7522\u54c1\u3002\u6240\u8b02\u7d42\u8eab\u58fd\u96aa\uff0c\u5c31\u662f\u8a72\u4fdd\u96aa\u7684\u6709\u6548\u671f\u76f4\u81f3\u88ab\u4fdd\u96aa\u4eba\u53bb\u4e16\u70ba\u6b62\u3002\u7e73\u4ed8\u7684\u4fdd\u8cbb\uff0c\u5728\u652f\u4ed8\u56fa\u5b9a\u7684\u4fdd\u96aa\u6210\u672c\u4e4b\u5f8c\uff0c\u5269\u9918\u7684\u90e8\u5206\u8f49\u63db\u6210\u73fe\u91d1\u503c\uff08cash value)\u3002\u4fdd\u96aa\u516c\u53f8\u6703\u6839\u64da\u516c\u53f8\u7684\u76c8\u5229\u60c5\u6cc1\u5b9a\u671f\u6d3e\u767c\u7d05\u5229\uff0c\u4f46\u662f\u7d05\u5229\u7684\u767c\u653e\u8207\u5426\u8207\u91d1\u984d\u90fd\u662f\u4e0d\u4fdd\u8b49\u7684\u3002\u96a8\u8457\u6642\u9593\u7684\u5ef6\u9577\uff0c\u4fdd\u96aa\u5167\u7684\u73fe\u91d1\u503c\u5c31\u6703\u589e\u52a0\u3002\u5982\u679c\u6295\u4fdd\u4eba\u60f3\u63d0\u524d\u53d6\u6d88\u4fdd\u96aa\uff0c\u5c07\u53ea\u80fd\u53d6\u56de\u4e00\u90e8\u5206\u7684\u73fe\u91d1\u503c\u3002\u7d42\u751f\u4eba\u58fd\u96aa\u7684\u5805\u56fa\u4fdd\u969c\u529f\u80fd\u548c\u73fe\u91d1\u503c\u9577\u671f\u7a4d\u7d2f\u529f\u80fd\u662f\u8b39\u614e\uff0c\u7406\u6027\u7684\u6295\u4fdd\u4eba\u503c\u5f97\u95dc\u6ce8\u7684\u7522\u54c1\u3002\u4f46\u7531\u65bc\u4fdd\u8cbb\u7684\u8d77\u9ede\u8f03\u9ad8\uff0c\u6bd4\u8f03\u9069\u5408\u7d93\u6fdf\u7a69\u5b9a\u548c\u9810\u7b97\u5bec\u88d5\u7684\u6295\u4fdd\u4eba\u3002 Universal Life\uff08\u5132\u84c4\u578b\u4eba\u58fd\u4fdd\u96aa\/\u842c\u80fd\u96aa\uff09\uff1a \u5728\u516b\u5341\u5e74\u4ee3\u521d\u51fa\u73fe\u4e86\u842c\u80fd\u96aa\u3002\u548c\u7d42\u8eab\u58fd\u96aa\u4e00\u6a23\u540c\u5c6c\u6c38\u4e45\u578b\u58fd\u96aa\uff0c\u90fd\u662f\u4fdd\u7d42\u8eab\u3002\u4fdd\u8cbb\u5728\u652f\u4ed8\u4e86\u4fdd\u96aa\u6210\u672c\u4e4b\u5f8c\uff0c\u6703\u6295\u5165\u53e6\u8a2d\u7684\u8cec\u6236\u9032\u884c\u6295\u8cc7\u3002\u5169\u8005\u7684\u5340\u5225\u5728\u65bc\uff0c\u842c\u80fd\u96aa\u7684\u689d\u4f8b\u66f4\u70ba\u9748\u6d3b\uff0c\u4fdd\u55ae\u6240\u6709\u4eba\u53ef\u4ee5\u5728\u4efb\u4f55\u6642\u9593\u7e73\u8cbb\uff0c\u8cbb\u7528\u53ef\u591a\u53ef\u5c11\uff0c\u4f46\u8981\u9054\u5230\u6700\u4f4e\u7684\u4ea4\u8cbb\u6c34\u5e73\u3002\u5b83\u4e5f\u6709\u73fe\u91d1\u503c\uff0c\u5373\u6240\u4ea4\u8cbb\u7528\u548c\u7372\u5229\u6e1b\u53bb\u4fdd\u96aa\u8cbb\u7528\u548c\u6536\u8cbb\u3002\u90e8\u5206\u4fdd\u96aa\u516c\u53f8\u4e5f\u6703\u63d0\u4f9b\u5176\u4ed6\u9644\u52a0\u798f\u5229\u4f9b\u9078\u64c7\uff0c\u5982\u9577\u671f\u8b77\u7406\u3001\u91cd\u75c5\u53d6\u9322\u548c\u90e8\u5206\u751f\u524d\u798f\u5229\u3002\u842c\u80fd\u96aa\u7684\u6536\u76ca\u4e00\u822c\u548c\u5229\u7387\u5e02\u5834\u639b\u9264\u3002\u5176\u9748\u6d3b\u7684\u7279\u9ede\u9069\u5408\u6649\u7d1a\u57fa\u790e\u4e0d\u5f37\uff0c\u9810\u7b97\u4e0d\u7a69\u5b9a\u7684\u6295\u4fdd\u4eba\u3002 Variable Universal Life\uff08\u6295\u8cc7\u578b\u842c\u80fd\u96aa\uff09\uff1a \u6295\u8cc7\u578b\u842c\u80fd\u96aa\uff0c\u7531\u842c\u80fd\u58fd\u96aa\u6f14\u8b8a\u800c\u4f86\uff0c\u95dc\u9375\u7684\u5340\u5225\u5728\u65bc\uff0c\u5ba2\u6236\u53ef\u4ee5\u5728\u4fdd\u96aa\u516c\u53f8\u63d0\u4f9b\u7684\u57fa\u91d1\u7bc4\u570d\u5167\u9078\u64c7\u6295\u8cc7\u4e0d\u540c\u7684\u57fa\u91d1\uff0c\u5f9e\u800c\u7372\u5f97\u76f8\u61c9\u7684\u6295\u8cc7\u56de\u5831\uff0c\u4e0a\u4e0d\u5c01\u9802\uff0c\u800c\u4e14\u6536\u76ca\u4e0d\u9700\u8981\u4ea4\u7a05\u3002\u4f46\u540c\u6642\u4e5f\u4e0d\u4fdd\u5e95\uff0c\u5982\u679c\u73fe\u91d1\u8cec\u6236\u5728\u91d1\u878d\u5e02\u5834\u8667\u640d\u904e\u5927\uff0c\u90a3\u9ebc\u6295\u4fdd\u4eba\u5c31\u53ef\u4ee5\u9700\u8981\u8ffd\u52a0\u66f4\u591a\u7684\u73fe\u91d1\u4f86\u7dad\u6301\u4fdd\u96aa\u6709\u6548\u6027\u3002\u56e0\u6b64\u9019\u88e1\u7522\u54c1\u5c0d\u5ba2\u6236\/\u7d93\u7d00\u4eba\u81ea\u8eab\u7684\u6295\u8cc7\u6c34\u5e73\u8981\u6c42\u6bd4\u8f03\u9ad8\u3002 Indexed Universal Life \uff08\u6307\u6578\u578b\u842c\u80fd\u96aa\uff09\uff1a \u540c\u6a23\u662f\u842c\u80fd\u96aa\u7684\u4e00\u500b\u8b8a\u7a2e\u3002\u6307\u6578\u842c\u80fd\u96aa\u4e2d\u7684\u73fe\u91d1\u503c\u589e\u9577\u6709\u4fdd\u5e95\u548c\u5c01\u9802\uff0c\u6309\u7167\u6307\u6578\u57fa\u91d1\u7684\u8b8a\u5316\u8a08\u7b97\u5229\u606f\u3002\u5728\u6c92\u6709\u6295\u8cc7\u98a8\u96aa\u689d\u4ef6\u4e0b\u548c\u7121\u7a05\u589e\u9577\u74b0\u5883\u4e2d\uff0c\u73fe\u91d1\u503c\u53ef\u4ee5\u62ff\u5230\u76f8\u5c0d\u8f03\u9ad8\u7684\u589e\u9577\uff0c\u518d\u52a0\u4e0a\u73fe\u91d1\u503c\u53d6\u7528\u9748\u6d3b\uff0c\u2026","rel":"","context":"In &quot;Business&quot;","block_context":{"text":"Business","link":"https:\/\/newsforchinese.com\/v3\/category\/business\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2017\/05\/life-insurance.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2017\/05\/life-insurance.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2017\/05\/life-insurance.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":164404,"url":"https:\/\/newsforchinese.com\/v3\/2018\/11\/27\/2019%e5%81%a5%e4%bf%9d%e5%87%ba%e6%96%b0%e8%a6%8f%e7%b4%85%e8%97%8d%e5%8d%a1%e5%b0%87%e9%87%8d%e5%a4%a7%e8%ae%8a%e9%9d%a9\/","url_meta":{"origin":169052,"position":5},"title":"2019\u5065\u4fdd\u51fa\u65b0\u898f\u7d05\u85cd\u5361\u5c07\u91cd\u5927\u8b8a\u9769","author":"Raymond","date":"November 27, 2018","format":false,"excerpt":"2019\u5e74\u5967\u6c0f\u5065\u4fdd\u5e38\u898b\u554f\u984c \u4e00\u3001\u5065\u4fdd\u7533\u8acb\u65e5\u671f\u548c\u4fdd\u8cbb\u5347\u964d\uff1a \u65b0\u4e00\u5e74\u5967\u6c0f\u5065\u4fdd(Obama Care)\u7684\u767b\u8a18\u7a97\u53e3\u5f9e2018\u5e7411\u67081\u65e5\u81f32018\u5e7412\u670815\u65e5\uff0c\u751f\u6548\u671f\u5f9e2019\u5e741\u67081\u65e5\u8d77\u3002\u6700\u591a\u4eba\u9078\u8cfc\u7684\u9280\u7d1a\u6700\u4fbf\u5b9c\u5065\u4fdd\u8a08\u5283\uff0c2019\u5e74\u4fdd\u8cbb\u5c07\u6bd4\u4eca\u5e74\u6e1b\u5c114%\uff0c\u9019\u4e5f\u662f2010\u5e74\u5967\u6c0f\u5065\u4fdd\u5be6\u65bd\u4ee5\u4f86\uff0c\u9996\u6b21\u51fa\u73fe\u4fdd\u8cbb\u964d\u4f4e\u3002\u800c\u53d7\u52302019\u5e74\u53d6\u6d88\u7f70\u6b3e\u653f\u7b56\u7684\u5f71\u97ff\uff0c\u5f80\u5e74\u8cfc\u8cb7\u6700\u4f4e\u968e\u9285\u7d1a\u4fdd\u96aa\u7684\u6c11\u773e\uff0c\u53ef\u80fd\u56e0\u6b64\u9000\u51fa\u5065\u4fdd\u800c\u4f7f\u4fdd\u96aa\u516c\u53f8\u6210\u672c\u63d0\u9ad8\uff0c\u56e0\u6b64\u9019\u985e\u4fdd\u96aa\u8a08\u5283\u7684\u65b0\u5e74\u5ea6\u4fdd\u8cbb\u5c07\u8abf\u9ad86%\u3002\u6d88\u8cbb\u8005\u57282019\u5e74\u7684\u9078\u64c7\u5c07\u589e\u52a0\uff0c\u52a0\u5165\u5065\u4fdd\u5e02\u5834\u7684\u4fdd\u96aa\u516c\u53f8\u589e\u52a023\u5bb6\uff0c\u53e6\u670929\u5bb6\u64f4\u5927\u4f5c\u696d\u7bc4\u570d\u3002 \u00a0 \u4e8c\u3001\u7f70\u6b3e\u689d\u4f8b\uff1a \u65b0\u7a05\u6cd5\u5f9e2019\u5e74\u8d77\u53d6\u6d88\u201c\u500b\u4eba\u5f37\u5236\u6295\u4fdd\u201d\u7684\u7f70\u6b3e(Shared Responsibility Payment)\uff0c\u514d\u7f70\u689d\u4f8b\u5c07\u5f9e2019\u5e741\u67081\u65e5\u624d\u958b\u59cb\u751f\u6548\uff0c\u9019\u610f\u5473\u84572018\u5e74\u672a\u53d7\u4fdd\u8005\u4ecd\u9700\u7e73\u4ed8\u7f70\u6b3e\uff0c\u6bcf\u4eba695\u7f8e\u5143(\u5152\u7ae5\u6e1b\u534a\uff0c\u6bcf\u5bb6\u5ead\u4e0d\u8d85\u904e2,085\u7f8e\u5143)\u6216\u5bb6\u5ead\u518d\u8abf\u6574\u6536\u5165(MAGI)2.5%\uff0c\u4e8c\u8005\u53d6\u5176\u9ad8\u8005\u3002 \u00a0 \u4e09\u3001\u5f37\u5236\u6295\u4fdd\uff1a \u5967\u6c0f\u5065\u4fdd\u4ecd\u7136\u6709\u6548\uff0c\u65b0\u7a05\u6cd5\u5ee2\u9664\u4e86\u7f70\u6b3e\u4e26\u4e0d\u4ee3\u8868\u5ee2\u9664\u4e86\u5065\u4fdd\u6cd5\u6848\u88e1\u201c\u5f37\u5236\u6295\u4fdd\u201d\u7684\u8981\u6c42(The elimination of the penaltiesdoes not technically remove the requirement to obtain healthcare coverage)\u3002\u5967\u6c0f\u5065\u4fdd\u898f\u5b9a\u6240\u6709\u5c45\u4f4f\u5728\u7f8e\u570b\u8d85\u904e30\u5929\u7684\u516c\u6c11\u3001\u7da0\u5361\u6301\u6709\u8005\u548c\u5408\u6cd5\u5728\u7f8e\u7684\u4eba\u58eb\u90fd\u5fc5\u9808\u64c1\u6709\u5065\u4fdd\u3002\u6c92\u6709\u653f\u5e9c\u6216\u96c7\u4e3b\u63d0\u4f9b\u91ab\u4fdd\u7684\u6c11\u773e\uff0c\u53ef\u901a\u904e\u6240\u5728\u5dde\u7684\u5065\u4fdd\u4ea4\u6613\u5e02\u5834(Marketplace)\uff0c\u9078\u64c7\u7b26\u5408\u81ea\u5df1\u7d93\u6fdf\u548c\u5065\u5eb7\u72c0\u6cc1\u8cfc\u8cb7\u6700\u5408\u9069\u7684\u5065\u5eb7\u4fdd\u96aa\u3002 \u00a0 \u56db\u3001\u77ed\u671f\u5065\u4fdd\uff1a \u653f\u5e9c\u57282019\u5e74\u63a8\u51fa\u65b0\u7248\u201c\u77ed\u671f\u5065\u4fdd\u201d(short-term health insurance)\uff0c\u5c07\u4f7f\u7528\u671f\u5f9e\u539f\u6709\u7684\u4e09\u500b\u6708\u64f4\u5927\u5230\u4e00\u5e74\u4e4b\u5916\uff0c\u6c11\u773e\u9084\u53ef\u9078\u64c7\u7e8c\u4fdd\u9577\u9054\u4e09\u5e74\u3002\u9019\u9805\u4fdd\u96aa\u7684\u4fdd\u8cbb\u6bd4\u5967\u6c0f\u5065\u4fdd\u4fbf\u5b9c\u5f88\u591a\uff0c\u4f46\u76f8\u5c0d\u4fdd\u96aa\u7bc4\u570d\u8f03\u5c0f\uff0c\u5305\u62ec\u8655\u65b9\u85e5\u3001\u85e5\u7269\u6feb\u7528\u6216\u61f7\u5b55\u90fd\u4e0d\u5305\u62ec\u5728\u5167\u3002\u9019\u985e\u4fdd\u96aa\u4e26\u4e0d\u662f\u5168\u65b0\u7522\u54c1\uff0c\u4e4b\u524d\u4e3b\u8981\u662f\u7d66\u4e88\u5931\u696d\u6216\u5bb6\u4e2d\u7a81\u7136\u6709\u8b8a\u6545\u800c\u5931\u53bb\u5065\u4fdd\u7684\u6c11\u773e\u5728\u201c\u904e\u6e21\u671f\u201d\u8cfc\u8cb7\u4f7f\u7528\u3002\u7531\u65bc\u6b64\u985e\u4fdd\u96aa\u4fdd\u8cbb\u4f4e\u5ec9\uff0c\u5438\u5f15\u8a31\u591a\u5e74\u8f15\u5f37\u58ef\u7684\u4fdd\u6236\u95dc\u6ce8\u3002\u4e0d\u904e\uff0c\u9019\u9805\u4fdd\u96aa\u7d66\u4ed8\u7bc4\u570d\u5c0f\uff0c\u4e00\u65e6\u751f\u75c5\u6642\u53cd\u800c\u9700\u8981\u81ea\u884c\u8ca0\u64d4\u9f90\u5927\u91ab\u7642\u8cbb\u7528\u3002 \u00a0 \u4e94\u30012018\u5e74\u5831\u7a05\uff1a \u4fdd\u8cbb\u62b5\u514d(Premium Tax Credit\uff0c8962\u8868)\u653f\u7b56\u4ecd\u7136\u751f\u6548\uff0c\u7b26\u5408\u689d\u4ef6\u7684\u6295\u4fdd\u4eba\u4ecd\u53ef\u4ee5\u4eab\u6709\u8a72\u9805\u7a05\u52d9\u512a\u60e0\u3002\u7d0d\u7a05\u4eba\u53ef\u64da\u5065\u4fdd\u5e02\u5834\u5bc4\u4f86\u76841095-A\u8868\u586b\u5beb8962\u8868\uff0c\u78ba\u8a8d\u5df2\u63d0\u524d\u652f\u4ed8\u7684\u5065\u4fdd\u62b5\u7a05\u984d\u5ea6\u3002\u7b26\u5408\u689d\u4ef6\u7684\u7fa4\u9ad4\u70ba\u7121\u6cd5\u901a\u904e\u96c7\u4e3b\u6216\u653f\u5e9c\u7684\u8a08\u5283\u53d7\u4fdd\u4e26\u4e14\u6536\u5165\u5728\u56db\u500d\u806f\u90a6\u8ca7\u7aae\u7dda(Federal Poverty Line\uff0cFPL)\u4ee5\u4e0b\u7684\u7fa4\u9ad4(\u5bb6\u5ead\u4eba\u6578\u70ba1\u4eba\u524748,560\u5143\uff0c\u5728\u6b64\u57fa\u790e\u4ee5\u6bcf\u589e\u52a0\u4e00\u53e3\u4eba\u9650\u984d\u589e\u52a017,280\u5143\u985e\u63a8)\u3002\u7d0d\u7a05\u4eba\u61c9\u6839\u64da2018\u5e74\u5be6\u969b\u8abf\u6574\u5f8c\u7e3d\u6536\u5165\u8a08\u7b97\u51fa\u6b63\u78ba\u7684\u4fdd\u8cbb\u8207\u9810\u4f30\u984d\u9032\u884c\u6bd4\u8f03\uff0c\u6c7a\u7b97\u662f\u5426\u9700\u8981\u9000\u7a05\u6216\u88dc\u7a05\u3002 \u00a0 \u516d\u3001\u65b0\u7a05\u6cd5\u5c0d\u5065\u4fdd\u7684\u5f71\u97ff\uff1a \u570b\u7a05\u5c40\u8fd1\u65e5\u767c\u51fa\u901a\u77e5Notice218-84\uff0c\u544a\u77e5\u7d0d\u7a05\u4eba\u96d6\u7136\u65b0\u7a05\u6cd5\u53d6\u6d88\u4e86\u201c\u4eba\u982d\u8c41\u514d\u201d(Personal Exemptions)\uff0c\u4f46\u4e26\u4e0d\u6703\u5f71\u97ff8962\u8868\u4e0a\u53d7\u4fdd\u4eba\u6578\u548cFPL\u7684\u8a08\u7b97(Part I\uff0cline 1\uff0cFamily Size\u548cline 4\uff0cFederal Poverty Line)\u3002 \u00a0 \u7d05\u85cd\u5361\u5927\u8b8a\u9769 \u7f8e\u570b\u91ab\u7642\u8cbb\u7528\u7684\u9ad8\u6602\u7a0b\u5ea6\u773e\u6240\u5468\u77e5\uff0c\u5982\u679c\u5728\u9019\u88e1\u990a\u8001\u537b\u6c92\u6709\u91ab\u7642\u4fdd\u96aa\uff0c\u90a3\u7c21\u76f4\u662f\u8b93\u4eba\u4e0d\u6562\u60f3\u50cf\u7684\u4e8b\u3002\u96d6\u7136\u7f8e\u570b\u653f\u5e9c\u958b\u8fa6Medicare\u806f\u90a6\u91ab\u7642\u4fdd\u96aa\u591a\u6642\uff0c\u4f46\u5f9e\u8001\u4eba\u4fdd\u96aa\u5236\u5ea6\u800c\u8a00\uff0c\u9019\u4e26\u4e0d\u5b8c\u5168\u662f\u4e00\u822c\u4eba\u60f3\u50cf\u4e2d\u7684\u201c\u793e\u6703\u798f\u5229(Social\u2026","rel":"","context":"In 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