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\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 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\u5b9a\u671f\u58fd\u96aa\u4fdd\u55ae\u901a\u5e38\u6709\u4e00\u500b\u8f49\u63db\u9078\u9805\uff0c\u5728\u4fdd\u55ae\u671f\u9593\u53ef\u4ee5\u5c07\u5b9a\u671f\u58fd\u96aa\u8f49\u63db\u70ba\u6c38\u4e45\u58fd\u96aa\u3002\u9019\u6a23\u505a\u7684\u597d\u8655\u662f\uff0c\u53ef\u4ee5\u6839\u64da\u8cfc\u8cb7\u4fdd\u96aa\u6642\u7684\u5065\u5eb7\u72c0\u6cc1\u652f\u4ed8\u8cbb\u7528\uff0c\u5047\u5982\u5f8c\u7e8c\u767c\u73fe\u4e86\u67d0\u4e9b\u5065\u5eb7\u72c0\u6cc1\uff0c\u4ecd\u7136\u53ef\u4ee5\u66f4\u6539\u7b56\u7565\u3002 5 \u514d\u9ad4\u6aa2\u7684\u4fdd\u96aa\u9078\u64c7 \u4ee5\u524d\uff0c\u5982\u679c\u6295\u4fdd\u524d\u4e0d\u53c3\u52a0\u9ad4\u6aa2\u53ef\u80fd\u5c31\u7121\u6cd5\u7372\u5f97\u4e00\u500b\u597d\u7684\u50f9\u683c\u3002\u4f46\u662f\u73fe\u5728\u5f88\u591a\u4fdd\u96aa\u516c\u53f8\u90fd\u6709\u4e86\u5177\u6709\u7af6\u722d\u529b\u50f9\u683c\u7684\u58fd\u96aa\u9078\u64c7\uff0c\u800c\u7121\u9700\u9032\u884c\u9ad4\u6aa2\u3002\u5c24\u5176\u5728\u75ab\u60c5\u671f\u9593\uff0c\u9019\u4e9b\u5feb\u901f\u53ef\u4ee5\u8cfc\u8cb7\uff0c\u7121\u9700\u9ad4\u6aa2\u7684\u58fd\u96aa\u9078\u64c7\u66f4\u662f\u6709\u6240\u589e\u52a0\u3002\u4e00\u4e9b\u516c\u53f8\u9084\u63d0\u9ad8\u4e86\u627f\u4fdd\u7bc4\u570d\uff0c\u751a\u81f3\u9ad8\u9054200\u842c\u7f8e\u5143\u4ee5\u4e0a\u3002 \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 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\u572880\u5e74\u4ee3\u7814\u767c\u7684\u6d6e\u52d5\u578b\/\u6295\u8cc7\u578b\u842c\u80fd\u96aa\u6703\u5e36\u4f86\u9ad8\u984d\u7684\u56de\u5831\uff0c\u4f46\u5b83\u6709\u4e00\u500b\u81f4\u547d\u7684\u7f3a\u9ede\uff0c\u5c31\u662f\u4e0d\u4fdd\u5e95\u3002\u4e00\u65e6\u767c\u751f\u5371\u6a5f\uff0c\u6295\u8cc7\u4eba\u6975\u6709\u53ef\u80fd\u8840\u672c\u7121\u6b78\uff0c\u9084\u5fc5\u9808\u8cbc\u9322\u4f86\u7dad\u6301\u4fdd\u55ae\u7684\u6b63\u5e38\u5ef6\u7e8c\u3002\u4f4690\u5e74\u4ee3\u672b\u6240\u7814\u767c\u7684\u6307\u6578\u578b\u842c\u80fd\u96aa\u5247\u4e0d\u540c\uff0c\u5b83\u53ef\u4ee5\u70ba\u6295\u8cc7\u4eba\u7372\u53d6\u56de\u5831\u7684\u540c\u6642\u63d0\u4f9b\u4fdd\u5e95\u8a2d\u8a08\uff0c\u5373\u4f7f\u5728\u5e02\u5834\u74b0\u5883\u4e0d\u597d\u7684\u60c5\u6cc1\u4e0b\uff0c\u7d66\u8207\u6295\u8cc7\u4eba\u6700\u5c110%\u7684\u4fdd\u969c\u3002 \u70ba\u4ec0\u9ebc\u6307\u6578\u578b\u842c\u80fd\u96aa(IUL)\u53ef\u4ee5\u505a\u5230\u4fdd\u5e95\u8a2d\u8a08\uff1f 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\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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