{"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 class=\"wp-block-paragraph\">\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 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data-image-title=\"lifeinsurance-small\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/03\/lifeinsurance-small.jpg\" src=\"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/03\/lifeinsurance-small.jpg\" alt=\"\" class=\"wp-image-198796\" srcset=\"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/03\/lifeinsurance-small.jpg 400w, https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/03\/lifeinsurance-small-300x213.jpg 300w\" sizes=\"auto, (max-width: 400px) 100vw, 400px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u7f8e\u570b\u7684\u6307\u6578\u578b\u842c\u80fd\u58fd\u96aaIUL\u662f\u4ec0\u9ebc\uff1f<\/p>\n\n\n\n<p 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class=\"wp-block-paragraph\">\u9019\u6b3e\u91d1\u878d\u7522\u54c1\u672c\u5c31\u5728\u7f8e\u570b\u7d05\u7684\u767c\u7d2b\uff0c\u518d\u52a0\u4e0a\u5f88\u591a\u8ca1\u5bcc\u7ba1\u7406\u6a5f\u69cb\u7684\u5927\u529b\u63a8\u5ee3\u548c\u5c08\u696d\u4eba\u58eb\u7684\u63a8\u6ce2\u52a9\u703e\uff0c\u4eba\u5011\u7a81\u7136\u767c\u73fe\uff0c\u5468\u570d\u7684\u670b\u53cb\u5011\u90fd\u5728\u8ac7\u8ad6\u5b83\uff0c\u8cc7\u7522\u914d\u7f6e\u7684\u8ca1\u5bcc\u516c\u53f8\u90fd\u5728\u63a8\u85a6\u5b83\uff0c\u5f88\u591a\u9280\u884c\u548c\u4fdd\u96aa\u516c\u53f8\u7684\u5ba2\u6236\u4e5f\u90fd\u5728\u8a62\u554f\u5b83\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5230\u5e95\u662f\u4ec0\u9ebc\u91d1\u878d\u7522\u54c1\uff0c\u7adf\u6709\u5982\u6b64\u5927\u7684\u5438\u5f15\u529b\u548c\u5e02\u5834\u4f54\u6709\u529b\uff1f\u5b83\u5c31\u662f\u7f8e\u570b\u975e\u5e38\u6d41\u884c\u7684\u6307\u6578\u578b\u4eba\u58fd\u4fdd\u96aa\uff08Indexed Universal Life Insurance\uff0c\u7c21\u7a31IUL\uff09\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5f9e\u554f\u4e16\u4ee5\u4f86\u52e2\u982d\u5c31\u975e\u5e38\u5f37\u52c1\u7684IUL\uff0c\u5df2\u7d93\u4f54\u64da\u4e86\u7f8e\u570b\u58fd\u96aa\u5e02\u5834\u7684\u534a\u58c1\u6c5f\u5c71\u3002\u96a8\u8457\u7f8e\u570b\u6a19\u666e500\u6307\u6578\u5275\u6b77\u53f2\u65b0\u9ad8\uff0c\u8207\u6307\u6578\u76f8\u95dc\u806f\u7684\u91d1\u878d\u6295\u8cc7\u7522\u54c1\u4e5f\u5168\u90e8\u8d70\u9ad8\uff0c\u9019\u5176\u4e2d\u6700\u8b93\u6295\u8cc7\u8005\u8208\u596e\u7684\u5c31\u662fIUL\u3002 LIMRA\u7684\u6700\u65b0\u6578\u64da\u4e5f\u986f\u793a\uff0c\u7f8e\u570b\u91d1\u878d\u696d\u4e2d\u589e\u9577\u5e45\u5ea6\u6700\u5927\u7684\u7522\u54c1\u2014\u2014IUL\uff0c\u5448\u73fe\u6975\u5176\u5f37\u52c1\u7684\u589e\u9577\u52e2\u982d\uff0c\u9019\u500b\u5229\u597d\u5c07\u9032\u4e00\u6b65\u5438\u5f15\u5168\u7403\u8ca1\u5bcc\u6295\u8cc7\u8005\u7684\u76ee\u5149\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>IUL<\/strong><strong>\u662f\u600e\u9ebc\u51fa\u73fe\u7684\uff1f<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7f8e\u570b\u4eba\u58fd\u4fdd\u96aa\u7684\u5feb\u901f\u767c\u5c55\u662f\u5728\u7b2c\u4e8c\u6b21\u4e16\u754c\u5927\u6230\u525b\u525b\u7d50\u675f\u4e4b\u5f8c\u3002\u90a3\u6642\u5e02\u5834\u4e0a\u6700\u666e\u904d\u898b\u5230\u7684\u7522\u54c1\u662f\u50b3\u7d71\u7684whole life\u548cterm life\u3002 Whole life\u7684\u7279\u9ede\u662f\u5177\u6709\u73fe\u91d1\u50f9\u503c\u4e26\u4e14\u7d42\u8eab\u6295\u4fdd\uff0c\u4f46\u6210\u672c\u6bd4\u8f03\u9ad8\u3002 term life\u7684\u512a\u52e2\u662f\u4fbf\u5b9c\uff0c\u4f46\u662f\u6709\u671f\u9650\u6027\uff0c\u4e00\u822c\u4fdd\u969c20-30\u5e74\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e0a\u500b\u4e16\u7d0080\u5e74\u4ee3\uff0c\u7f8e\u570b\u5e02\u5834\u51fa\u73fe\u4e00\u7a2e\u842c\u80fd\u96aa\uff08universal life\uff09,\u8a72\u985e\u7522\u54c1\u5c6c\u65bc\u6c38\u4e45\u6027\u4fdd\u96aa\uff0c\u8207whole life\u4fdd\u8cbb\u8cb4\u53c8\u4e0d\u53ef\u6d6e\u52d5\u4e0d\u540c\uff0c\u842c\u80fd\u96aa\u53ef\u4ee5\u9748\u6d3b\u652f\u4ed8\u4fdd\u8cbb\u4e26\u4e14\u5728\u4e00\u5b9a\u7bc4\u570d\u5167\u53ef\u4ee5\u6d6e\u52d5\uff0c\u5f4c\u88dc\u4e86whole life\u7684\u7f3a\u9ede\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u52301990\u5e74\u4ee3\uff0c\u7f8e\u570b\u80a1\u5e02\u6301\u7e8c\u66b4\u6f32\uff0c\u5e02\u5834\u4e0a\u99ac\u4e0a\u51fa\u73fe\u4e86\u4e00\u6b3e\u98a8\u9761\u4e00\u6642\u7684\u6295\u8cc7\u578b\u4fdd\u96aa\uff08variable universal life\uff09\uff0c\u4e00\u4e0b\u5b50\u4f54\u64da\u4e86\u5927\u534a\u500b\u7f8e\u570b\u4fdd\u96aa\u5e02\u5834\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2002\u5e74\u548c2008\u5e74\uff0c\u7f8e\u570b\u91d1\u878d\u884c\u696d\u5148\u5f8c\u51fa\u73fe\u4e86\u5169\u6b21\u5371\u6a5f\uff0c\u9019\u5169\u6b21\u91d1\u878d\u5371\u6a5f\u7576\u6642\u5c31\u91cd\u5275\u4e86\u6295\u8cc7\u578b\u4fdd\u96aa\u3002\u96d6\u7136\u5ba2\u6236\u666e\u904d\u559c\u6b61VUL\u7684\u9ad8\u56de\u5831\uff0c\u4f46\u4e5f\u53ad\u60e1\u5b83\u96a8\u5e02\u5834\u6f32\u8dcc\u7684\u9ad8\u98a8\u96aa\u3002\u91d1\u878d\u7522\u54c1\u7684\u7814\u7a76\u8005\u4fbf\u958b\u59cb\u601d\u8003\uff1a\u80fd\u4e0d\u80fd\u6709\u4e00\u6b3e\u7522\u54c1\uff0c\u65e2\u80fd\u5f97\u5230\u5e02\u5834\u7684\u5e73\u5747\u56de\u5831\uff0c\u53c8\u4e0d\u6703\u96a8\u5e02\u5834\u4e0b\u8dcc\u5462\uff1f\u65bc\u662f\u6307\u6578\u578b\u4fdd\u96aa\uff08Indexed Universal Life Insurance\uff0cIUL\uff09\u9583\u4eae\u767b\u5834\uff0c\u4e26\u4e14\u5f88\u5feb\u812b\u7a4e\u800c\u51fa\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>IUL<\/strong><strong>\u7684\u7279\u9ede<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u9996\u5148\uff0c\u5f9e\u540d\u5b57\u4e0a\u6211\u5011\u5c31\u53ef\u4ee5\u770b\u51fa\uff0cIUL\u5177\u6709universal life\u7684\u7279\u9ede\uff0c\u4e0d\u904e\u5b83\u6700\u5927\u7684\u7279\u9ede\u662f\u8207\u5e7e\u5927\u4e3b\u8981\u7684\u80a1\u5e02\u6307\u6578\u639b\u9264\uff0c\u5982S&amp;P\u3002\u7576\u6307\u6578\u4e0a\u6f32\uff0c\u5229\u606f\u5c31\u591a\uff0c\u4fdd\u55ae\u6536\u76ca\u4e5f\u96a8\u4e4b\u4e0a\u6f32\uff1b\u7576\u6307\u6578\u4e0b\u8dcc\uff0c\u4fdd\u55ae\u6536\u76ca\u4e0d\u6f32\uff0c\u4f46\u4e0d\u6703\u8667\u640d\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5176\u6b21\u5c31\u662f\u6211\u5011\u9700\u8981\u91cd\u9ede\u95dc\u6ce8\u7684\u7a05\u52d9\u3002 IUL\u5728\u7a05\u52d9\u7d50\u69cb\u4e0a\u4e5f\u5145\u5206\u8003\u616e\u4e26\u9075\u5faa\u4e86\u7f8e\u570b\u7a05\u6cd57702\u689d\u6b3e\uff08\u5373\u4eba\u58fd\u4fdd\u96aa\u7684\u5b9a\u7fa9\u689d\u6b3e\uff09\uff0c\u5f9e\u800c\u8a2d\u8a08\u51fa\u7a05\u6cd5\u7d50\u69cb\u4e0b\u6700\u512a\u60e0\u7684\u4e00\u6b3e\u4eba\u58fd\u4fdd\u96aa\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u518d\u8aaa\u8aaa\u907a\u7522\u7a05\u3002\u6211\u5011\u77e5\u9053\u7f8e\u570b\u662f\u6709\u907a\u7522\u7a05\u548c\u8d08\u8207\u7a05\u7684\u570b\u5bb6\u3002\u5c0d\u65bc\u7f8e\u570b\u7d0d\u7a05\u4eba\u800c\u8a00\uff0c\u5728\u806f\u90a6\u5c64\u9762\u4f9d\u7136\u6703\u88ab\u8a08\u5165\u88ab\u7e7c\u627f\u4eba\u7684\u907a\u7522\u8cc7\u7522\uff0c\u5982\u679c\u7e3d\u8cc7\u7522\u8d85\u904e\u907a\u7522\u7a05\u7d42\u8eab\u514d\u7a05\u984d\uff0c\u6703\u9762\u81e8\u907a\u7522\u7a05\u7684\u554f\u984c\u3002\u4e0d\u904e\u9019\u53ea\u91dd\u5c0d\u7f8e\u570b\u5c45\u6c11\u5fb5\u6536\uff0c2019\u5e74\u7684\u514d\u7a05\u984d\u70ba1140\u842c\u7f8e\u5143\u3002\u5916\u570b\u4eba\u5247\u6c92\u6709\u907a\u7522\u7a05\u7684\u554f\u984c\u3002<\/p>\n\n\n\n<p 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\u8acb\u53c3\u52a03\u670827\u65e5\u9031\u516d\u4e0b\u53482\u6642\u7db2\u4e0a\u6559\u80b2\u8b1b\u5ea7\uff0c\u8acb\u96fb 408-466-0233\uff0c \u627e\u6881\u5c0f\u59d0\u3002\u6216\u96fb\u90f5\u81f3\uff1adhuang@elitefig.com \u6211\u5011\u6703\u628a\u9023\u63a5\u767c\u7d66\u4f60\u3002\" \/>\n\t\t<meta property=\"og:url\" content=\"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\/\" \/>\n\t\t<meta property=\"og:image\" content=\"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/03\/lifeinsurance-small.jpg\" \/>\n\t\t<meta property=\"og:image:secure_url\" content=\"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/03\/lifeinsurance-small.jpg\" \/>\n\t\t<meta property=\"og:image:width\" content=\"400\" \/>\n\t\t<meta property=\"og:image:height\" content=\"284\" \/>\n\t\t<meta property=\"article:published_time\" content=\"2021-03-25T22:28:00+00:00\" \/>\n\t\t<meta property=\"article:modified_time\" content=\"2021-03-25T22:34:44+00:00\" \/>\n\t\t<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n\t\t<meta name=\"twitter:title\" content=\"\u6307\u6578\u578b\u842c\u80fd\u58fd\u96aa - News for Chinese \uff0d \u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u83ef\u4eba\u793e\u5340\u5831\u7d19\" \/>\n\t\t<meta name=\"twitter:description\" content=\"\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 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\u7684\u842c\u80fd\u58fd\u96aa\u878d\u5408\u4e86\u6295\u8cc7\u7406\u8ca1\u7684\u65b0\u6982\u5ff5\uff0c\u70ba\u6295\u4fdd\u2f08\u91cf\u2f9d\u8a02\u88fd\u5c08\u5c6c\u7684\u2fa6\u878d\u7406\u8ca1\u2f08\u58fd\u4fdd\u96aa\uff0c\u66f4\u662f\u696d\u754c\u7684 \u7ff9\u695a\u3002 \u516c\u53f8\u7684\u2f08\u58fd\u4fdd\u96aa\u7522\u54c1\u6709\u4e0b\u5217\u56db\u9805\uff1a \u5b9a\u671f\u58fd\u96aa( Term ) \u842c\u80fd\u58fd\u96aa\uff08 UL ) \u6307\u6578\u842c\u5168\u4fdd( IUL ) \u7d42\u2f9d\u58fd\u96aa ( WL ) \u4e0a\u8ff0\u7522\u54c1\u90fd\u4ff1\u5099\u514d\u8cbb\u2f63\u524d\u7406\u8ce0\u7406\u689d\u6b3e\uff0c\u5176\u5167\u5bb9\u5305\u542b\u5728\u4fdd\u55ae\u5167\u3002 \u4fdd\u55ae\u5177\u6709\u4e0b\u5217\u5e7e\u9805\u529f\u80fd\uff1a 1. \u7d55\u75c7\u7406\u8ce0 ( 24\u500b\u2f49 \uff09 2 .\u2f24\u75c5\u7406\u8ce0 ( \u4e03\u2f24\u91cd\u75c5 ) 3 .\u6162\u6027\u75be\u75c5\u7406\u8ce0 ( \u2f63\u6d3b\u516d\u9805\u57fa\u672c\u2f8f\u70ba\u2f06\u9805\u4e0d\u80fd\u2f83\u7406 \uff09 4. \u91cd\u75be\u50b7\u5bb3\u7406\u8ce0 5. \u5132\u84c4\u529f\u80fd 6. \u514d\u6536\u5165\u6240\u5f97\u7a05\u9000\u4f11\u2fa6\u689d\u6b3e 7. \u6559\u80b2\u57fa\u2fa6\u529f\u80fd 8. \u767e\u842c\u5bf6\u2f99\u8a08\u5283 9.\u2026","rel":"","context":"In &quot;\u5546\u60c5\u5831\u5c0e&quot;","block_context":{"text":"\u5546\u60c5\u5831\u5c0e","link":"https:\/\/newsforchinese.com\/v3\/category\/biz\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2018\/05\/steven-liu.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2018\/05\/steven-liu.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2018\/05\/steven-liu.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":198795,"position":2},"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 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\u4e2d\u570bCRS\u3011\u7814\u8a0e\u6703\u3002\u200b\u8acb\u60a8\u5e36\u8457\u554f\u984c\u4f86\uff0c\u4e0d\u50c5\u80fd\u5920\u514d\u8cbb\u6536\u7a6b\u5f88\u591a\u5be6\u200b\u7528\u8cc7\u8a0a\uff0c\u9084\u53ef\u4ee5\u76e1\u4eab\u65b0\u6625\u7cbe\u7f8e\u8336\u9ede\u3002\u8b93\u60a8\u57282017\u5e74\u7a05\u5b63\u4e4b\u524d\u505a\u597d\u5145\u5206\u6e96\u5099\uff01\u8b1b\u5ea7\u5831\u540d\uff1a1-877-253-8288\uff0c or Jenny@EliteWeatlhs.com. \u795d\u798f\u5404\u4f4d\u65b0\u5e74\u200b\u5feb\u6a02\u200b\u8ca1\u5bcc\u6eff\u6ea2! 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