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1-408-781-5621\u00a0 WeChat: Robertju1718)","rel":"","context":"In &quot;\u7406\u8ca1\u6295\u8cc7&quot;","block_context":{"text":"\u7406\u8ca1\u6295\u8cc7","link":"https:\/\/newsforchinese.com\/v3\/category\/money\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2017\/05\/life-insurance-1.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-1.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2017\/05\/life-insurance-1.jpg?resize=525%2C300&ssl=1 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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 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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 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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 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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 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&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":199168,"url":"https:\/\/newsforchinese.com\/v3\/2021\/04\/02\/aarp2019-%e5%b9%b4%e6%88%90%e5%b9%b4%e4%ba%ba%e8%bf%91%e4%b8%80%e5%8d%8a%e8%b2%a0%e4%b8%8d%e8%b5%b7%e5%81%a5%e5%ba%b7%e4%bf%9d%e9%9a%aa\/","url_meta":{"origin":199559,"position":5},"title":"AARP:2019 \u5e74\u6210\u5e74\u4eba\u8fd1\u4e00\u534a\u8ca0\u4e0d\u8d77\u5065\u5eb7\u4fdd\u96aa","author":"Raymond","date":"April 2, 2021","format":false,"excerpt":"AARP \u6a02\u9f61\u6703\u5206\u6790\u986f\u793a\uff1a2019 \u5e74\uff0c \u572850-64 \u6b72\u7684\u6210\u5e74\u4eba\u4e2d\u6709\u5c07\u8fd1\u4e00\u534a\u8ca0\u64d4\u4e0d\u8d77\u975e\u5718\u9ad4\u5065\u5eb7\u4fdd\u96aa\u3002\u7279\u6b8a\u7533\u8acb\u6295\u4fdd\u671f\u548c ACA \u88dc\u8cbc\u589e\u52a0\u53ef\u80fd\u5e6b\u52a9\u5f4c\u5408\u4e9e\u88d4\u7f8e\u570b\u4eba\u4ee5\u53ca\u592a\u5e73\u6d0b\u5cf6\u6c11\u6210\u5e74\u4eba\u7684\u5065\u5eb7\u4fdd\u96aa\u5dee\u8ddd\u3002 AARP \u6a02\u9f61\u6703\u516c\u5171\u653f\u7b56\u7814\u7a76\u6240\u7684\u4e00\u9805\u65b0\u5206\u6790\u767c\u73fe\uff0c\u5728 2019 \u5e74\u900f\u904e\u975e\u5718\u9ad4\u5065\u5eb7\u4fdd\u96aa\u5e02\u5834\u8cfc\u8cb7\u5065\u5eb7\u4fdd\u96aa\u7684\u5c07\u8fd1\u4e00\u534a\u5e74\u9577\u8005\uff0c\u9762\u81e8\u7121\u529b\u8ca0\u64d4\u5065\u5eb7\u4fdd\u96aa\u7684\u554f\u984c\uff0c\u8207\u4e4b\u76f8\u6bd4\uff0c\u5e74\u8f15\u4eba\u7684\u6bd4\u4f8b\u5247\u662f 30%\u3002\u56e0\u6b64\uff0c\u8d8a\u4f86\u8d8a\u591a\u7684\u5e74\u9577\u8005\u6c92\u6709\u4fdd\u96aa\uff1a\u5728\u6240\u6709 50-64 \u6b72\u4eba\u7fa4\u4e2d\u6709 9%\uff0c\u4e5f\u5c31\u662f\u6c92\u6709\u96c7\u4e3b\u63d0\u4f9b\u7684\u4fdd\u96aa\u6216\u516c\u5171\u5065\u5eb7\u4fdd\u96aa\u7684\u6240\u6709\u5e74\u9577\u8005\u4e2d\u903e\u534a\u6578\u4eba\u3002\u5728\u300a\u5e73\u50f9\u91ab\u7642\u6cd5\u6848\u300b(Affordable Care Act, ACA) \u4e4b\u524d\uff0c\u5927\u7d04\u4e94\u5206\u4e4b\u4e00\u7684\u4e9e\u88d4\u5e74\u9577\u8005\u6c92\u6709\u4fdd\u96aa\u3002\u8a72\u6bd4\u4f8b\u5728 ACA \u901a\u904e\u4e4b\u5f8c\u4e0b\u964d\uff0c\u4f46\u8fd1\u5e74\u4f86\u53c8\u589e\u9577\uff1b2019 \u5e74\uff0c7.9% \u7684\u4e9e\u88d4\u5e74\u9577\u8005\u6c92\u6709\u5065\u5eb7\u4fdd\u96aa\u3002\u5728\u590f\u5a01\u5937\u6216\u592a\u5e73\u6d0b\u5cf6\u6c11\u5e74\u9577\u8005\u4e2d\uff0c\u7121\u4fdd\u96aa\u7387\u7684\u589e\u9577\u5df2\u5e7e\u4e4e\u62b9\u5e73\u4e86 ACA \u4fdd\u96aa\u5e36\u4f86\u7684\u6f32\u5e45\u3002 \u7f3a\u5c11\u5e73\u50f9\u4fdd\u96aa\u662f\u8a31\u591a\u5e74\u9f61\u4ecb\u4e4e 50-64 \u6b72\u7684\u6210\u5e74\u4eba\u4ecd\u7136\u6c92\u6709\u4fdd\u96aa\u7684\u4e00\u500b\u539f\u56e0\u3002AARP \u6a02\u9f61\u6703\u7684\u5206\u6790\u767c\u73fe\uff0c\u5728 2019 \u5e74\uff0c\u6536\u5165\u7a0d\u9ad8\u65bc\u9580\u6abb\uff0c\u7b26\u5408 ACA \u4e0b\u4fdd\u8cbb\u88dc\u8cbc\u7684\u4e00\u540d 64 \u6b72\u5e74\u9577\u8005\uff0c\u5e73\u5747\u8981\u7e73\u7d0d\u7684\u4fdd\u8cbb\u5e7e\u4e4e\u662f\u5176\u6536\u5165\u7684 30%\u3002\u5169\u9805\u8fd1\u671f\u7684\u653f\u7b56\u8b8a\u5316\u53ef\u80fd\u5e6b\u52a9\u5e74\u9577\u8005\u8cb7\u5230\u5e73\u50f9\u4fdd\u96aa\u3002\u300a\u7f8e\u570b\u6551\u6fdf\u6cd5\u6848\u300b(American Rescue Act) \u6709\u4e00\u689d\u898f\u5b9a\uff0c\u500b\u4eba\u5728\u5e02\u5834\u4e0a\u8cfc\u8cb7\u5065\u5eb7\u4fdd\u96aa\u7684\u91d1\u984d\u4e0a\u9650\u70ba\u6536\u5165\u7684 8.5%\uff0c\u70ba\u671f\u5169\u5e74\u3002\u9019\u689d\u898f\u5b9a\u65bc 4 \u6708 1 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