{"id":198795,"date":"2021-03-25T15:28:00","date_gmt":"2021-03-25T22:28:00","guid":{"rendered":"https:\/\/newsforchinese.com\/v3\/?p=198795"},"modified":"2021-03-25T15:34:44","modified_gmt":"2021-03-25T22:34:44","slug":"%e6%8c%87%e6%95%b8%e5%9e%8b%e8%90%ac%e8%83%bd%e5%a3%bd%e9%9a%aa","status":"publish","type":"post","link":"https:\/\/newsforchinese.com\/v3\/2021\/03\/25\/%e6%8c%87%e6%95%b8%e5%9e%8b%e8%90%ac%e8%83%bd%e5%a3%bd%e9%9a%aa\/","title":{"rendered":"\u6307\u6578\u578b\u842c\u80fd\u58fd\u96aa"},"content":{"rendered":"\n<p>\u7f8e\u570b\u793e\u6703\u5305\u5bb9\u53c8\u5fa9\u96dc\uff0c\u5176\u91d1\u878d\u7522\u54c1\u4e5f\u4e00\u76f4\u8b8a\u5316\u591a\u7aef\u3002\u5728\u7f8e\u570b\u7d93\u6fdf\u3001\u91d1\u878d\u5e02\u5834\u548c\u6cd5\u5f8b\u6cd5\u898f\u4e0d\u65b7\u8b8a\u5316\u7684\u9032\u7a0b\u4e2d\uff0c\u8cc7\u7522\u914d\u7f6e\u548c\u8ca1\u5bcc\u7ba1\u7406\u4e2d\u6975\u5176\u91cd\u8981\u7684\u4fdd\u96aa\u7522\u54c1\u4e5f\u5728\u4e0d\u65b7\u5730\u6f14\u8b8a\u767c\u5c55\uff0c<\/p>\n\n\n\n<!--more-->\n\n\n\n<p>\u512a\u52dd\u52a3\u6c70\uff0c\u5404\u6709\u5343\u79cb\uff0c\u9019\u662f\u6bcf\u500b\u570b\u5bb6\u91d1\u878d\u7522\u54c1\u767c\u5c55\u7684\u5fc5\u7136\u8da8\u52e2\u3002\u820a\u7684\u4fdd\u96aa\u7a2e\u985e\u88ab\u66ff\u4ee3\uff0c\u65b0\u4e00\u4ee3\u7522\u54c1\u8fc5\u901f\u5d1b\u8d77\u3002\u4eca\u5929\u6211\u5011\u5c31\u4f86\u770b\u4e0b\u76ee\u524d\u7f8e\u570b\u5e02\u5834\u4e0a\u6700\u5148\u9032\u7684\u4fdd\u96aa\u7522\u54c1\u2014\u2014\u6307\u6578\u578b\u842c\u80fd\u58fd\u96aa\u3002<\/p>\n\n\n\n<figure 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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":204157,"url":"https:\/\/newsforchinese.com\/v3\/2021\/07\/14\/%e5%ad%b8%e5%ad%b8%e6%9c%89%e9%8c%a2%e4%ba%ba%e5%a6%82%e4%bd%95%e9%80%b2%e8%a1%8c%e8%b3%87%e7%94%a2%e9%85%8d%e7%bd%ae%ef%bc%9f\/","url_meta":{"origin":198795,"position":3},"title":"\u5b78\u5b78\u6709\u9322\u4eba\u5982\u4f55\u9032\u884c\u8cc7\u7522\u914d\u7f6e\uff1f","author":"Raymond","date":"July 14, 2021","format":false,"excerpt":"\u6211\u5011\u5927\u90e8\u5206\u4eba\u7406\u8ca1\u57fa\u672c\u6309\u7167\u500b\u4eba\u914d\u7f6e\u8cc7\u7522\uff0c\u5bb6\u5ead\u6c92\u6709\u8cc7\u7522\u8ca0\u50b5\u8868\uff0c\u6211\u5011\u53ea\u77e5\u9053\u4ec0\u9ebc\u7406\u8ca1\u7522\u54c1\uff0c\u4f46\u6c92\u6709\u5f9e\u7279\u5fb5\u81ea\u5bb6\u7684\u8cc7\u7522\u914d\u7f6e\u662f\u5426\u5408\u7406\uff0c\u66f4\u4e0d\u6d89\u53ca\u8ca1\u5bcc\u898f\u5283\u548c\u898f\u5283\u500b\u4eba\u751f\u547d\u9031\u671f\u76f8\u5339\u914d\u4e86\u3002\u6211\u5011\u770b\u770b\u5927\u591a\u6578\u4eba\u7684\u7406\u8ca1\u54ea\u4e9b\u8aa4\u5340\u5462\uff1f \u4e00\u3001\u8cc7\u7522\u904e\u65bc\u96c6\u4e2d \u4eba\u5011\u5c07\u8cc7\u7522\u5927\u91cf\u5730\u6295\u5411\u623f\u5730\u7522\u6216\u5b58\u653e\u9280\u884c\uff0c\u800c\u5728\u80a1\u7968\u3001\u4fdd\u96aa\u548c\u4fe1\u8a17\u5e02\u5834\u7684\u8cc7\u91d1\u914d\u7f6e\u504f\u5c11\u3002 \u4e8c\u3001\u6295\u8cc7\u7684\u8def\u5f91\u4f9d\u8cf4 \u5927\u591a\u6578\u4eba\u5f80\u5f80\u6709\u8457\u56b4\u91cd\u7684\u8def\u5f91\u4f9d\u8cf4\uff0c\u5728\u9078\u64c7\u6295\u8cc7\u6642\uff0c\u6839\u64da\u904e\u5f80\u7684\u7406\u8ca1\u7d93\u9a57\u4f86\u6307\u5c0e\u672a\u4f86\u7684\u7406\u8ca1\u3002\u540c\u6642\uff0c\u7d55\u5927\u591a\u6578\u6295\u8cc7\u8005\u7fd2\u6163\u6309\u7167\u77ed\u671f\u6536\u76ca\u7387\u4f86\u8861\u91cf\u6295\u8cc7\u6210\u679c\u3002\u7f3a\u5c11\u9577\u7dda\u601d\u7dad\uff0c\u6216\u8005\u8aaa\u7f3a\u5c11\u9577\u7dda\u6295\u8cc7\u7684\u8010\u5fc3\uff0c\u5f88\u591a\u4eba\u7b49\u4e0d\u4e86\u5341\u5e74\uff0c\u8981\u5373\u523b\u8cfa\u9322\u3002 \u4e2d\u570b\u8fd1\u5169\u5e74\u5c0d\u5404\u985e\u8cc7\u7522\u7684\u76e3\u7ba1\u6b63\u5728\u767c\u751f\u8b8a\u5316\uff0c\u653f\u5e9c\u4e0b\u6c7a\u5fc3\u6253\u7834\u525b\u6027\u514c\u4ed8\uff0c\u51fa\u53f0\u4e86\u4e00\u7cfb\u5217\u5f37\u76e3\u7ba1\u7684\u5c0d\u7b56\uff0c\u4f46\u5f88\u591a\u4eba\u4f9d\u7136\u6191\u4ee5\u5f80\u7684\u7d93\u9a57\u9078\u64c7\u6536\u76ca\u7387\u9ad8\u7684\u7406\u8ca1\u7522\u54c1\u9032\u884c\u914d\u7f6e\uff0c\u800c\u5ffd\u8996\u4e86\u80cc\u5f8c\u7684\u672c\u91d1\u98a8\u96aa\uff1b\u6709\u4eba\u8a8d\u70ba\u5927\u74b0\u5883\u5728\u77ed\u671f\u5167\u4e0d\u6703\u6709\u592a\u5927\u7684\u6539\u8b8a\uff0c\u56e0\u6b64\u9084\u6309\u7167\u65e2\u6709\u7684\u8def\u5f91\u7406\u8ca1\uff0c\u4e00\u65e6\u6709\u8667\u640d\u96e3\u4ee5\u627f\u53d7\u3002 \u4e09\u3001\u6295\u8cc7\u7684\u89c0\u5ff5\u9673\u820a 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