{"id":206426,"date":"2021-09-01T18:25:46","date_gmt":"2021-09-02T01:25:46","guid":{"rendered":"https:\/\/newsforchinese.com\/v3\/?p=206426"},"modified":"2021-09-01T18:35:31","modified_gmt":"2021-09-02T01:35:31","slug":"%e8%b3%bc%e8%b2%b7%e7%be%8e%e5%9c%8b%e4%ba%ba%e5%a3%bd%e4%bf%9d%e9%9a%aa%e5%ae%9a%e8%a6%81%e6%98%8e%e7%99%bd%e7%9a%84%e4%ba%94%e5%a4%a7%e6%8a%80%e5%b7%a7","status":"publish","type":"post","link":"https:\/\/newsforchinese.com\/v3\/2021\/09\/01\/%e8%b3%bc%e8%b2%b7%e7%be%8e%e5%9c%8b%e4%ba%ba%e5%a3%bd%e4%bf%9d%e9%9a%aa%e5%ae%9a%e8%a6%81%e6%98%8e%e7%99%bd%e7%9a%84%e4%ba%94%e5%a4%a7%e6%8a%80%e5%b7%a7\/","title":{"rendered":"\u8cfc\u8cb7\u7f8e\u570b\u4eba\u58fd\u4fdd\u96aa\u5b9a\u8981\u660e\u767d\u7684\u4e94\u5927\u6280\u5de7"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">\u5c0f\u7de8\u8a8d\u70ba\u5927\u773e\u5728\u9078\u8cfc\u4eba\u58fd\u4fdd\u96aa\u6642\uff0c\u4e00\u5b9a\u8981\u5148\u4e86\u89e3\u91cd\u8981\u7684\u9078\u8cfc\u6280\u5de7\uff0c\u53ef\u4ee5\u907f\u514d\u8d70\u5f4e\u8def\uff0c\u8cb7\u5230\u66f4\u9069\u5408\u81ea\u8eab\u9700\u8981\u7684\u4fdd\u96aa\u3002<\/p>\n\n\n\n<!--more-->\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u54ea\u5e7e\u985e\u4eba\u6700\u6025\u9700\u8cfc\u8cb7\u7f8e\u570b\u4eba\u58fd\u4fdd\u96aa\uff1f<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u539f\u5247\u4e0a\u8aaa\uff0c\u7576\u7136\u662f\u5168\u5bb6\u90fd\u5099\u9f4a\u4fdd\u96aa\u6700\u7a69\u59a5\u3002\u4f46\u662f\u5982\u679c\u6025\u9700\u8cfc\u8cb7\uff0c\u6216\u8005\u7d93\u6fdf\u689d\u4ef6\u6709\u9650\u7684\u60c5\u6cc1\u4e0b\uff0c\u5c08\u5bb6\u5efa\u8b70\u5148\u4fdd\u8b49\u90195\u985e\u4eba\u914d\u5099\u597d\u4eba\u58fd\u4fdd\u96aa\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>1 <\/strong><strong>\u6709\u7d93\u6fdf\u4f9d\u8cf4\u7684\u4eba<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7b2c\u4e00\u985e\u7d55\u5c0d\u9700\u8981\u4eba\u58fd\u4fdd\u96aa\u7684\u4eba\u7fa4\uff0c\u4e00\u5b9a\u662f\u6709\u4efb\u4f55\u9700\u8981\u88ab\u64ab\u990a\u6216\u7d93\u6fdf\u4e0a\u53d7\u4eba\u4f9d\u8cf4\u7684\u4eba\u7fa4\u3002\u6bd4\u5982\u5df2\u5a5a\u4eba\u58eb\uff08\u5bb6\u4e2d\u7684\u4e3b\u8981\u7d93\u6fdf\u652f\u67f1\uff09\uff0c\u5bb6\u4e2d\u6709\u9700\u8981\u8d0d\u990a\u7684\u4e0a\u5e74\u7d00\u7236\u6bcd\uff0c\u9084\u6709\u4e00\u985e\u662f\u5bb6\u5ead\u4e3b\u5a66\uff0c\u4ee5\u5f80\u5bb6\u5ead\u4e3b\u5a66\u975e\u5e38\u5bb9\u6613\u88ab\u5ffd\u7565\uff0c\u4f46\u662f\u5979\u5011\u5f80\u5f80\u64d4\u8ca0\u8457\u7121\u6cd5\u9810\u6599\u7684\u9f90\u5927\u80b2\u5152\u8cbb\u7528\u7b49\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>2 <\/strong><strong>\u8207\u4ed6\u4eba\u5171\u540c\u627f\u64d4\u7d93\u6fdf\u7fa9\u52d9\u7684\u4eba<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5df2\u5a5a\u6216\u8005\u672a\u5a5a\u4f34\u4fb6\u3001\u751a\u81f3\u5144\u5f1f\u59d0\u59b9\u4e4b\u9593\u6709\u5171\u540c\u627f\u64d4\u7684\u50b5\u52d9\uff0c\u6bd4\u5982\u623f\u8cb8\uff0c\u8eca\u8cb8\u4e4b\u985e\u7684\u3002\u53e6\u5916\u9084\u6709\u7531\u500b\u4eba\u6216\u5546\u696d\u5925\u4f34\u63d0\u4f9b\u500b\u4eba\u64d4\u4fdd\u7684\u5546\u696d\u8cb8\u6b3e\u4e5f\u53ef\u80fd\u6703\u7522\u751f\u5171\u540c\u50b5\u52d9\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>3 <\/strong><strong>\u6d89\u53ca\u4ed6\u4eba\u5229\u76ca\u5236\u5b9a\u8ca1\u52d9\u8a08\u5283\u7684\u4eba<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u9019\u5c31\u662f\u5229\u7528\u4eba\u58fd\u4fdd\u96aa\u4f86\u201c\u5b8c\u6210\u8a08\u5283\u201d\u7684\u512a\u52e2\u3002\u9019\u4e00\u985e\u5ba2\u6236\u5f80\u5f80\u627f\u64d4\u8457\u5b69\u5b50\u7684\u5b78\u696d\u8a08\u5283\uff0c\u5e6b\u52a9\u5b69\u5b50\u9806\u5229\u5b8c\u6210\u5927\u5b78\u7684\u8cc7\u91d1\u5132\u84c4\u3002\u53e6\u5916\u9084\u6709\u914d\u5076\u4e4b\u9593\u7684\u9000\u4f11\u8a08\u5283\uff0c\u4e5f\u53ef\u4ee5\u8003\u616e\u540c\u6a23\u7684\u4fdd\u8b49\u63aa\u65bd\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>4 <\/strong><strong>\u6709\u4e0d\u826f\u907a\u50b3\u50be\u5411\u7684\u4eba<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u5bb6\u65cf\u4e2d\u6709\u67d0\u7a2e\u5f71\u97ff\u6295\u4fdd\u6216\u4fdd\u984d\u7684\u907a\u50b3\u75be\u75c5\uff0c\u5efa\u8b70\u5ba2\u6236\u5728\u81ea\u5df1\u8eab\u9ad4\u72c0\u6cc1\u826f\u597d\u7684\u60c5\u6cc1\u4e0b\u5118\u65e9\u6295\u4fdd\uff0c\u5982\u679c\u5b58\u5728\u4efb\u4f55\u6f5b\u5728\u7684\u75c7\u72c0\u90fd\u53ef\u80fd\u6703\u5927\u5927\u5f71\u97ff\u8cfc\u8cb7\u4fdd\u96aa\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>5 <\/strong><strong>\u5f9e\u4e8b\u5371\u96aa\u8077\u696d\u7684\u4eba<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8cc7\u6df1\u4fdd\u96aa\u5c08\u5bb6\u5728\u591a\u5e74\u5de5\u4f5c\u7684\u7d93\u9a57\u4e2d\u767c\u73fe\uff0c\u8b66\u5bdf\u3001\u6d88\u9632\u968a\u54e1\u3001\u7ba1\u6559\u4eba\u54e1\u548c\u6025\u6551\u4eba\u54e1\u9019\u4e9b\u5f9e\u4e8b\u5371\u96aa\u8077\u696d\u7684\u4eba\u7fa4\uff0c\u8a31\u591a\u4eba\u6295\u4fdd\u56b4\u91cd\u4e0d\u8db3\u3002\u4f46\u5be6\u969b\u4e0a\uff0c\u9019\u985e\u4eba\u6700\u61c9\u8a72\u64c1\u6709\u8db3\u5920\u7684\u4eba\u58fd\u4fdd\u96aa\uff0c\u9019\u6a23\u6bcf\u5929\u51fa\u9580\u6642\u81ea\u5df1\u548c\u5bb6\u4eba\u624d\u80fd\u66f4\u7121\u6182\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u8cfc\u8cb7\u4eba\u58fd\u58fd\u96aa\u7684\u91cd\u8981\u6280\u5de7<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5728\u4e86\u89e3\u5230\u6bcf\u500b\u4eba\u64c1\u6709\u4fdd\u96aa\u7684\u91cd\u8981\u6027\u5f8c\uff0c\u5c31\u8a72\u9078\u8cfc\u4e86\uff0c\u4f46\u662f\u9762\u5c0d\u5e02\u9762\u4e0a\u7a2e\u985e\u7e41\u591a\u7684\u58fd\u96aa\uff0c\u5230\u5e95\u8a72\u600e\u9ebc\u9078\u64c7\uff0c\u76f8\u4fe1\u662f\u7d55\u5927\u591a\u6578\u4eba\u7684\u56f0\u60d1\u3002\u9019\u6642\u5019\u6211\u5011\u5c31\u5f88\u9700\u8981\u6709\u7d93\u9a57\u7684\u5c08\u696d\u4eba\u58eb\uff0c\u544a\u8a34\u6211\u5011\u4e00\u4e9b\u4fdd\u96aa\u884c\u696d\u5167\u7684\u6280\u5de7\u4e86\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>1 <\/strong><strong>\u50f9\u683c\u5c0d\u6bd4\u662f\u9054\u6210\u4ea4\u6613\u7684\u6700\u4f73\u65b9\u5f0f<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e00\u65e6\u6c7a\u5b9a\u4e86\u4fdd\u96aa\u91d1\u984d\u548c\u671f\u9650\uff0c\u5c31\u8a72\u9032\u884c\u58fd\u96aa\u9078\u64c7\u4e86\u3002\u4f46\u662f\u540c\u985e\u578b\u7684\u4fdd\u96aa\u90a3\u9ebc\u591a\uff0c\u5982\u4f55\u4e0b\u624b\uff0c\u6700\u7c21\u55ae\u7684\u65b9\u6cd5\u662f\u9078\u64c7\u4e00\u500b\u53ef\u4ee5\u70ba\u4f60\u8cfc\u8cb7\u591a\u500b\u516c\u53f8\u58fd\u96aa\u7684\u7368\u7acb\u7d93\u7d00\u4eba\u6216\u4ee3\u7406\uff0c\u9019\u6a23\u6709\u5229\u65bc\u50f9\u683c\u5c0d\u6bd4\uff0c\u9078\u51fa\u6700\u9069\u5408\u4f60\uff0c\u6027\u50f9\u6bd4\u6700\u512a\u7684\u4e00\u7a2e\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>2 <\/strong><strong>\u6700\u7d42\u7684\u50f9\u683c\u53ef\u80fd\u6703\u6bd4\u539f\u4f86\u7684\u5831\u50f9\u8981\u9ad8<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u666e\u901a\u8cfc\u7269\u8005\u4e0d\u6703\u5728\u5546\u5e97\u88e1\u8cfc\u7269\u6642\uff0c\u767c\u73fe\u7d50\u8cec\u50f9\u683c\u6bd4\u6a19\u7c64\u50f9\u683c\u66f4\u9ad8\uff0c\u4f46\u9019\u5728\u8cfc\u8cb7\u4eba\u58fd\u4fdd\u96aa\u6642\u7d93\u5e38\u767c\u751f\u3002\u56e0\u70ba\u6700\u521d\u7684\u5831\u50f9\u662f\u57fa\u65bc\u5c0d\u6295\u4fdd\u4eba\u7684\u4e00\u9ede\u9ede\u4fe1\u606f\u7684\u9810\u4f30\uff0c\u800c\u4e00\u65e6\u4fdd\u96aa\u516c\u53f8\u8655\u7406\u4e86\u4f60\u7533\u8acb\u7684\u6240\u6709\u4fe1\u606f\uff0c\u6700\u7d42\u7684\u50f9\u683c\u53ef\u80fd\u6703\u56e0\u70ba\u5be6\u969b\u8eab\u9ad4\u72c0\u6cc1\u4e0d\u597d\u800c\u8b8a\u9ad8\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>3 <\/strong><strong>\u6aa2\u67e5\u4fdd\u96aa\u516c\u53f8\u7684\u8ca1\u52d9\u5be6\u529b<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8ca1\u52d9\u5be6\u529b\u8a55\u7d1a\u53ef\u4ee5\u8b93\u4eba\u5011\u4e86\u89e3\u4e00\u5bb6\u516c\u53f8\u4eca\u5f8c\u662f\u5426\u6709\u80fd\u529b\u511f\u9084\u50b5\u52d9\u3002\u96d6\u7136\u77e5\u540d\u7684\u5927\u578b\u4eba\u58fd\u4fdd\u96aa\u516c\u53f8\u901a\u5e38\u90fd\u6709\u975e\u5e38\u597d\u7684\u8ca1\u52d9\u5be6\u529b\uff0c\u4f46\u5728\u8cfc\u8cb7\u4efb\u4f55\u516c\u53f8\u7684\u7522\u54c1\u4e4b\u524d\uff0c\u9084\u662f\u9700\u8981\u6aa2\u67e5\u4e00\u4e0b\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>4 <\/strong><strong>\u78ba\u4fdd\u6709\u671f\u9650\u8f49\u63db\u9078\u9805<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\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<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>5 <\/strong><strong>\u514d\u9ad4\u6aa2\u7684\u4fdd\u96aa\u9078\u64c7<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\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<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\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<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u70ba\u4ec0\u9ebc\u5927\u5bb6\u90fd\u9752\u775e\u6307\u6578\u578b\u842c\u80fd\u96aa\u5462\uff1f<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">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<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u96d6\u7136\u6307\u6578\u578b\u842c\u80fd\u96aa\u51fa\u73fe\u7684\u6642\u9593\u4e0d\u9577\uff0c\u4f46\u537b\u4e00\u8e8d\u6210\u70ba\u6700\u53d7\u4eba\u559c\u611b\u7684\u4fdd\u96aa\u4e4b\u4e00\uff0c\u5176\u7279\u9ede\u6b78\u7d0d\u800c\u8a00\u4fbf\u662f\uff1a\u53ea\u8cfa\u4e0d\u8ce0\u7684\u3001\u514d\u7a05\u7684\u3001\u65e2\u6709\u751f\u524d\u798f\u5229\u53c8\u6709\u751f\u5f8c\u5229\u76ca\u7684\u4fdd\u96aa\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u6307\u6578\u578b\u842c\u80fd\u96aa(IUL)<\/strong><strong>\u4f4e\u98a8\u96aa\u3001\u9ad8\u56de\u5831<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\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<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u70ba\u4ec0\u9ebc\u6307\u6578\u578b\u842c\u80fd\u96aa(IUL)<\/strong><strong>\u53ef\u4ee5\u505a\u5230\u4fdd\u5e95\u8a2d\u8a08\uff1f<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7c21\u55ae\u4f86\u8aaa\uff0c\u6295\u4fdd\u4eba\u6bcf\u500b\u6708\u4e0a\u4ea4\u7684\u4fdd\u8cbb\uff0c\u5728\u6263\u9664\u4fdd\u96aa\u6210\u672c\u4e4b\u5f8c\uff0c\u81ea\u52d5\u8f49\u63db\u6210\u4e86\u201c\u73fe\u91d1\u503c\u201d\u3002\u4fdd\u96aa\u516c\u53f8\u7528\u9019\u4e00\u7b46\u9322\u53bb\u505a\u4ed6\u5011\u60f3\u8981\u505a\u7684\u6295\u8cc7\uff0c\u4f46\u662f\u8ddf\u5ba2\u6236\u7684\u904a\u6232\u898f\u5247\u662f\u6309\u7167\u6a19\u6e96\u666e\u723e\u7684\u9ede\u5c0d\u9ede\u6d6e\u52d5\u7387Annual Point to Point\uff08\u6bcf\u5e74\u9ede\u5c0d\u9ede\u56de\u5831\uff09\u7d66\u8207\u56de\u5831\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\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<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\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<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4ee5\u4e0b\u662f\u6bd4\u8f03\u5e38\u4f7f\u7528\u76849\u5bb6\u6307\u6578\u578b\u842c\u80fd\u96aa\u516c\u53f8\u6bd4\u8f03(\u5168\u7f8e\u4eba\u58fd\u3001\u74b0\u7403\u5927\u897f\u6d0b\u91d1\u878d\u96c6\u5718\u3001\u5168\u570b\u4eba\u58fd\u3001\u592a\u5e73\u6d0b\u4eba\u58fd\u3001\u5b89\u806f\u3001\u7f8e\u4e9e\u3001\u570b\u5bb6\u4eba\u58fd\u3001\u6797\u80af\u91d1\u878d\u96c6\u5718\u3001\u4fdd\u5fb7\u4fe1)\uff0c\u5168\u90e8\u4f7f\u7528\u6a19\u6e96\u666e\u723e\u6bcf\u5e74\u9ede\u5c0d\u9ede\u6307\u6578\u8cec\u865f\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f46\u5373\u4f7f\u5982\u6b64\uff0c\u6307\u6578\u578b\u842c\u80fd\u96aa(IUL)\u768420\u5e74\u6295\u8cc7\u56de\u5831\u7387\u4e5f\u80fd\u9ad8\u90547%-9%\uff0c\u61c2\u6295\u8cc7\u7684\u4eba\u90fd\u77e5\u9053\uff0c\u5728\u6240\u6709\u7a69\u59a5\u6295\u8cc7\u4e2d\uff0c\u9019\u7d55\u5c0d\u4e0d\u7b97\u500b\u5c0f\u6536\u76ca\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4ee5\u5168\u7f8e\u4eba\u58fd\u70ba\u4f8b\uff0c\u5b83\u7684\u6a19\u6e96\u666e\u723e\u6307\u6578IUL\u4fdd\u5e95\u70ba0.75%\uff0c\u4e0a\u9650\u662f13.75%\u3002 1999\u5e74\u6642\uff0c\u76f8\u5c0d1998\u5e74\u589e\u9577\u4e8619.53%\uff0c\u4f46\u7531\u65bc\u4e0a\u9650\u70ba13.75%\uff0c\u6240\u4ee5\u6295\u8cc7\u4eba\u62ff\u5230\u7684\u56de\u5831\u70ba13.75%\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u800c\u5f80\u5f8c\u4e09\u5e74\uff0c\u56e0\u70ba\u80a1\u5e02\u5d29\u76e4\uff0c\u9023\u7e8c\u8dcc\u4e86-12.66%\u3001-10.53%\u3001-23.37%\uff0c\u4f46\u7531\u65bc\u4fdd\u5e95\u662f0.75%\uff0c\u6240\u4ee5\u6295\u8cc7\u4eba\u4e0d\u4f46\u4e0d\u9700\u8981\u8ce0\u9322\uff0c\u53cd\u800c\u4ecd\u7136\u53ef\u4ee5\u7372\u5f970.75%\u7684\u56de\u5831\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>1.<\/strong><strong>\u6307\u6578\u578b\u842c\u80fd\u96aa(IUL)<\/strong><strong>\u8cc7\u672c\u5229\u5f97\u514d\u7a05<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4fdd\u55ae\u6301\u6709\u4eba\u4e0d\u6703\u56e0\u70ba\u4fdd\u55ae\u73fe\u91d1\u50f9\u503c\u7684\u589e\u52a0\u800c\u652f\u4ed8\u8cc7\u672c\u5229\u5f97\u7a05\uff0c\u4e5f\u5c31\u662f\u8aaa\uff0c\u6295\u4fdd\u4eba\u5b8c\u5168\u53ef\u4ee5\u628aIUL\u7576\u505a\u4e00\u500b\u5e36\u6709\u7d42\u8eab\u4fdd\u969c\u7684\u9000\u4f11\u8a08\u5283\u8cec\u6236\u3002\u53ea\u6709\u4e00\u7a2e\u72c0\u6cc1\u9664\u5916\uff0c\u5c31\u662f\u6295\u4fdd\u4eba\u4e00\u6b21\u6027\u63d0\u53d6\u51fa\u6240\u6709\u7684\u73fe\u91d1\u503c\uff0c\u653e\u68c4\u4fdd\u55ae\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>2. <\/strong><strong>\u73fe\u91d1\u50f9\u503c\u7528\u9014\u5ee3\u6cdb<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u96a8\u8457\u4fdd\u8cbb\u7684\u589e\u52a0\uff0c\u4fdd\u55ae\u7684\u73fe\u91d1\u50f9\u503c\u4e5f\u6703\u96a8\u4e4b\u589e\u52a0\u3002\u9664\u4e86\u7528\u65bc\u4e0a\u8ff0\u7684\u6295\u8cc7\u4e4b\u5916\uff0c\u6295\u8cc7\u4eba\u9084\u53ef\u4ee5\u6839\u64da\u4fdd\u55ae\u7684\u73fe\u91d1\u50f9\u503c\uff0c\u7528\u975e\u5e38\u4f4e\u7684\u5229\u606f\u5411\u4fdd\u96aa\u516c\u53f8\u8cb8\u6b3e(\u50cf\u662f\u751f\u610f\u9700\u8981\u6d41\u52d5\u8cc7\u91d1\u3001\u5b69\u5b50\u5927\u5b78\u5b78\u8cbb\u7b49)\uff0c\u6e21\u904e\u4e86\u5371\u96aa\u671f\u518d\u628a\u9322\u9084\u4e0a\uff0c\u4e0d\u6703\u5c0d\u4fdd\u55ae\u7522\u751f\u4efb\u4f55\u5f71\u97ff\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>3. <\/strong><strong>\u4fdd\u55ae\u7e73\u8cbb\u548c\u4fdd\u55ae\u9818\u53d6\u90fd\u975e\u5e38\u9748\u6d3b<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6307\u6578\u578b\u842c\u80fd\u96aa(IUL)\u5728\u7e73\u7d0d\u4fdd\u8cbb\u7684\u6642\u5019\u975e\u5e38\u9748\u6d3b\uff0c\u53ea\u8981\u4fdd\u55ae\u4ecd\u7136\u751f\u6548\uff0c\u53ef\u4ee5\u96a8\u6642\u8abf\u6574\u7e73\u7d0d\u4fdd\u8cbb\u7684\u91d1\u984d\u548c\u6642\u9593\uff0c\u9069\u5408\u90a3\u4e9b\u6536\u5165\u4e0d\u662f\u90a3\u9ebc\u56fa\u5b9a\u7684\u975e\u5de5\u85aa\u968e\u5c64\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u53e6\u5916\uff0c\u6307\u6578\u578b\u842c\u80fd\u96aa\u5f9e\u4fdd\u55ae\u4e2d\u652f\u53d6\u4e5f\u975e\u5e38\u9748\u6d3b\uff0c\u6c92\u6709\u984d\u5916\u7684\u9650\u5236\uff0c\u76f8\u6bd4401K\u6216\u8005IRA\u9019\u6a23\u7684\u9000\u4f11\u8cec\u6236\u4e00\u5b9a\u8981\u7b49\u523060\u621665\u6b72\u5f8c\u624d\u80fd\u652f\u51fa\uff0c\u5982\u679c\u63d0\u524d\u652f\u53d6\u5c07\u6703\u53d7\u5230\u7f70\u6b3e\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>4. <\/strong><strong>\u90e8\u5206IUL<\/strong><strong>\u53ef\u8207\u9577\u671f\u8b77\u7406\u96aa\u3001\u91cd\u75be\u96aa\u642d\u914d<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5728\u7f8e\u570b\uff0c\u9577\u671f\u8b77\u7406\u662f\u4e00\u500b\u975e\u5e38\u6602\u8cb4\u7684\u904e\u7a0b\uff0c\u5f88\u591a\u4eba\u53ea\u80fd\u9078\u64c7\u653e\u68c4\u5de5\u4f5c\uff0c\u9760\u8457\u653f\u5e9c\u5fae\u8584\u7684\u88dc\u8cbc\u5728\u5bb6\u88e1\u7167\u9867\u75c5\u4eba\u3002\u4f46\u90e8\u5206IUL\u537b\u53ef\u4ee5\u642d\u914d\u9577\u671f\u8b77\u7406\u96aa\u4e00\u8d77\u8cfc\u8cb7\uff0c\u90a3\u5c31\u5b8c\u5168\u4e0d\u9700\u8981\u64d4\u5fc3\u9019\u65b9\u9762\u7684\u554f\u984c\u4e86\uff0c\u56e0\u70ba\u4fdd\u96aa\u516c\u53f8\u6703\u652f\u4ed8\u4f60\u6240\u9700\u7684\u8b77\u7406\u8cbb\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7576\u88ab\u4fdd\u4eba\u88ab\u91ab\u751f\u5224\u5b9a\u904e\u53bb12\u500b\u6708\u5167\u5728\u672a\u7372\u5f97\u5354\u52a9\u4e0b\uff0c\u7121\u6cd5\u57f7\u884c\u65e5\u5e38\u751f\u6d3b\u4e2d\u7684\u5176\u4e2d\u5169\u9805\uff1a\u6d17\u6fa1\u3001\u5927\u5c0f\u4fbf\u63a7\u5236\u3001\u7a7f\u8863\u3001\u9032\u98df\u3001\u5982\u5ec1\u548c\u4e0a\u4e0b\u884c\u52d5\uff0c\u6216\u8005\u8a8d\u77e5\u529f\u80fd\u53d7\u640d\uff0c\u5c31\u53ef\u4ee5\u63d0\u524d\u7372\u53d6\u7406\u8ce0\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u9664\u6b64\u4ee5\u5916\uff0c\u6295\u4fdd\u4eba\u9084\u53ef\u4ee5\u9078\u64c7\u5982\u679c\u9078\u64c7\u8207\u91cd\u75be\u96aa\u4e00\u8d77\u8cfc\u8cb7\uff0c\u4e00\u65e6\u75c5\u4eba\u78ba\u8a3a\u70ba\u4f8b\u5982\u5fc3\u9ad2\u75c5\u548c\u5fc3\u808c\u6897\u585e\u3001\u4e2d\u98a8\u3001\u764c\u75c7\u3001\u91cd\u8981\u5668\u5b98\u79fb\u690d\u3001\u5931\u660e\u7b49\u91cd\u5927\u75be\u75c5\u6642\uff0c\u5c31\u80fd\u5920\u63d0\u524d\u7372\u5f97\u7406\u8ce0\uff0c\u5c07\u7406\u8ce0\u91d1\u7528\u4f86\u6cbb\u7642\u3002\u5916\u7c4d\u4eba\u58eb\u53ef\u4ee5\u8cb7\u5230\u6b7b\u4ea1\u7406\u8ce0\u4f46\u662f\u6c92\u8fa6\u6cd5\u8cb7\u5230\u9644\u52a0\u96aa\u7b49\u3002\u53e6\u5916\u8981\u6ce8\u610f\uff1a\u65c5\u904a\u7c3d\u8b49\u7684\u5916\u7c4d\u4eba\u58eb\u8a31\u591a\u4fdd\u96aa\u516c\u53f8\u6c92\u6709\u8fa6\u6cd5\u52a0\u4e0a\u9577\u671f\u8b77\u7406\u96aa\u548c\u91cd\u75be\u96aa\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6587\/\u9ec3\u66c9\u6771     <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6709\u95dc\u4efb\u4f55\u4eba\u58fd\u4fdd\u96aa\u554f\u984c\uff0c\u6b61\u8fce\u96fb\u8a71408-466-0233  \u6216\u96fb\u90f5dhuang@elitefig.com <\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"325\" data-attachment-id=\"205411\" data-permalink=\"https:\/\/newsforchinese.com\/v3\/2021\/08\/11\/%e5%a6%82%e4%bd%95%e8%a8%88%e7%ae%97%e8%a9%b2%e8%b2%b7%e5%a4%9a%e5%b0%91%e4%bf%9d%e9%a1%8d%e7%9a%84%e5%a3%bd%e9%9a%aa%ef%bc%9f\/%e9%bb%83%e6%9b%89%e6%9d%b1-5\/\" data-orig-file=\"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/08\/\u9ec3\u66c9\u6771.jpg\" data-orig-size=\"250,325\" data-comments-opened=\"1\" data-image-title=\"\u9ec3\u66c9\u6771\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/08\/\u9ec3\u66c9\u6771.jpg\" 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\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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4 \u6709\u4e0d\u826f\u907a\u50b3\u50be\u5411\u7684\u4eba \u5982\u679c\u5bb6\u65cf\u4e2d\u6709\u67d0\u7a2e\u5f71\u97ff\u6295\u4fdd\u6216\u4fdd\u984d\u7684\u907a\u50b3\u75be\u75c5\uff0c\u5efa\u8b70\u5ba2\u6236\u5728\u81ea\u5df1\u8eab\u9ad4\u72c0\u6cc1\u826f\u597d\u7684\u60c5\u6cc1\u4e0b\u5118\u65e9\u6295\u4fdd\uff0c\u5982\u679c\u5b58\u5728\u4efb\u4f55\u6f5b\u5728\u7684\u75c7\u72c0\u90fd\u53ef\u80fd\u6703\u5927\u5927\u5f71\u97ff\u8cfc\u8cb7\u4fdd\u96aa\u3002 5 \u5f9e\u4e8b\u5371\u96aa\u8077\u696d\u7684\u4eba 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\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 \u96d6\u7136\u6307\u6578\u578b\u842c\u80fd\u96aa\u51fa\u73fe\u7684\u6642\u9593\u4e0d\u9577\uff0c\u4f46\u537b\u4e00\u8e8d\u6210\u70ba\u6700\u53d7\u4eba\u559c\u611b\u7684\u4fdd\u96aa\u4e4b\u4e00\uff0c\u5176\u7279\u9ede\u6b78\u7d0d\u800c\u8a00\u4fbf\u662f\uff1a\u53ea\u8cfa\u4e0d\u8ce0\u7684\u3001\u514d\u7a05\u7684\u3001\u65e2\u6709\u751f\u524d\u798f\u5229\u53c8\u6709\u751f\u5f8c\u5229\u76ca\u7684\u4fdd\u96aa\u3002 \u6307\u6578\u578b\u842c\u80fd\u96aa(IUL)\u4f4e\u98a8\u96aa\u3001\u9ad8\u56de\u5831 \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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content=\"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/09\/\u8cfc\u8cb7\u7f8e\u570b\u4eba\u58fd\u4fdd\u96aa\u5b9a\u8981\u660e\u767d\u7684\u4e94\u5927\u6280\u5de7.jpg\" \/>\n\t\t<meta property=\"og:image:secure_url\" content=\"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/09\/\u8cfc\u8cb7\u7f8e\u570b\u4eba\u58fd\u4fdd\u96aa\u5b9a\u8981\u660e\u767d\u7684\u4e94\u5927\u6280\u5de7.jpg\" \/>\n\t\t<meta property=\"og:image:width\" content=\"500\" \/>\n\t\t<meta property=\"og:image:height\" content=\"249\" \/>\n\t\t<meta property=\"article:published_time\" content=\"2021-09-02T01:25:46+00:00\" \/>\n\t\t<meta property=\"article:modified_time\" content=\"2021-09-02T01:35:31+00:00\" \/>\n\t\t<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n\t\t<meta name=\"twitter:title\" content=\"\u8cfc\u8cb7\u7f8e\u570b\u4eba\u58fd\u4fdd\u96aa\u5b9a\u8981\u660e\u767d\u7684\u4e94\u5927\u6280\u5de7 - 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=\"\u5c0f\u7de8\u8a8d\u70ba\u5927\u773e\u5728\u9078\u8cfc\u4eba\u58fd\u4fdd\u96aa\u6642\uff0c\u4e00\u5b9a\u8981\u5148\u4e86\u89e3\u91cd\u8981\u7684\u9078\u8cfc\u6280\u5de7\uff0c\u53ef\u4ee5\u907f\u514d\u8d70\u5f4e\u8def\uff0c\u8cb7\u5230\u66f4\u9069\u5408\u81ea\u8eab\u9700\u8981\u7684\u4fdd\u96aa\u3002 \u54ea\u5e7e\u985e\u4eba\u6700\u6025\u9700\u8cfc\u8cb7\u7f8e\u570b\u4eba\u58fd\u4fdd\u96aa\uff1f \u539f\u5247\u4e0a\u8aaa\uff0c\u7576\u7136\u662f\u5168\u5bb6\u90fd\u5099\u9f4a\u4fdd\u96aa\u6700\u7a69\u59a5\u3002\u4f46\u662f\u5982\u679c\u6025\u9700\u8cfc\u8cb7\uff0c\u6216\u8005\u7d93\u6fdf\u689d\u4ef6\u6709\u9650\u7684\u60c5\u6cc1\u4e0b\uff0c\u5c08\u5bb6\u5efa\u8b70\u5148\u4fdd\u8b49\u90195\u985e\u4eba\u914d\u5099\u597d\u4eba\u58fd\u4fdd\u96aa\u3002 1 \u6709\u7d93\u6fdf\u4f9d\u8cf4\u7684\u4eba 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4 \u6709\u4e0d\u826f\u907a\u50b3\u50be\u5411\u7684\u4eba \u5982\u679c\u5bb6\u65cf\u4e2d\u6709\u67d0\u7a2e\u5f71\u97ff\u6295\u4fdd\u6216\u4fdd\u984d\u7684\u907a\u50b3\u75be\u75c5\uff0c\u5efa\u8b70\u5ba2\u6236\u5728\u81ea\u5df1\u8eab\u9ad4\u72c0\u6cc1\u826f\u597d\u7684\u60c5\u6cc1\u4e0b\u5118\u65e9\u6295\u4fdd\uff0c\u5982\u679c\u5b58\u5728\u4efb\u4f55\u6f5b\u5728\u7684\u75c7\u72c0\u90fd\u53ef\u80fd\u6703\u5927\u5927\u5f71\u97ff\u8cfc\u8cb7\u4fdd\u96aa\u3002 5 \u5f9e\u4e8b\u5371\u96aa\u8077\u696d\u7684\u4eba 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\u666e\u901a\u8cfc\u7269\u8005\u4e0d\u6703\u5728\u5546\u5e97\u88e1\u8cfc\u7269\u6642\uff0c\u767c\u73fe\u7d50\u8cec\u50f9\u683c\u6bd4\u6a19\u7c64\u50f9\u683c\u66f4\u9ad8\uff0c\u4f46\u9019\u5728\u8cfc\u8cb7\u4eba\u58fd\u4fdd\u96aa\u6642\u7d93\u5e38\u767c\u751f\u3002\u56e0\u70ba\u6700\u521d\u7684\u5831\u50f9\u662f\u57fa\u65bc\u5c0d\u6295\u4fdd\u4eba\u7684\u4e00\u9ede\u9ede\u4fe1\u606f\u7684\u9810\u4f30\uff0c\u800c\u4e00\u65e6\u4fdd\u96aa\u516c\u53f8\u8655\u7406\u4e86\u4f60\u7533\u8acb\u7684\u6240\u6709\u4fe1\u606f\uff0c\u6700\u7d42\u7684\u50f9\u683c\u53ef\u80fd\u6703\u56e0\u70ba\u5be6\u969b\u8eab\u9ad4\u72c0\u6cc1\u4e0d\u597d\u800c\u8b8a\u9ad8\u3002 3 \u6aa2\u67e5\u4fdd\u96aa\u516c\u53f8\u7684\u8ca1\u52d9\u5be6\u529b \u8ca1\u52d9\u5be6\u529b\u8a55\u7d1a\u53ef\u4ee5\u8b93\u4eba\u5011\u4e86\u89e3\u4e00\u5bb6\u516c\u53f8\u4eca\u5f8c\u662f\u5426\u6709\u80fd\u529b\u511f\u9084\u50b5\u52d9\u3002\u96d6\u7136\u77e5\u540d\u7684\u5927\u578b\u4eba\u58fd\u4fdd\u96aa\u516c\u53f8\u901a\u5e38\u90fd\u6709\u975e\u5e38\u597d\u7684\u8ca1\u52d9\u5be6\u529b\uff0c\u4f46\u5728\u8cfc\u8cb7\u4efb\u4f55\u516c\u53f8\u7684\u7522\u54c1\u4e4b\u524d\uff0c\u9084\u662f\u9700\u8981\u6aa2\u67e5\u4e00\u4e0b\u3002 4 \u78ba\u4fdd\u6709\u671f\u9650\u8f49\u63db\u9078\u9805 \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 \u96d6\u7136\u6307\u6578\u578b\u842c\u80fd\u96aa\u51fa\u73fe\u7684\u6642\u9593\u4e0d\u9577\uff0c\u4f46\u537b\u4e00\u8e8d\u6210\u70ba\u6700\u53d7\u4eba\u559c\u611b\u7684\u4fdd\u96aa\u4e4b\u4e00\uff0c\u5176\u7279\u9ede\u6b78\u7d0d\u800c\u8a00\u4fbf\u662f\uff1a\u53ea\u8cfa\u4e0d\u8ce0\u7684\u3001\u514d\u7a05\u7684\u3001\u65e2\u6709\u751f\u524d\u798f\u5229\u53c8\u6709\u751f\u5f8c\u5229\u76ca\u7684\u4fdd\u96aa\u3002 \u6307\u6578\u578b\u842c\u80fd\u96aa(IUL)\u4f4e\u98a8\u96aa\u3001\u9ad8\u56de\u5831 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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 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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 &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":128051,"url":"https:\/\/newsforchinese.com\/v3\/2016\/10\/30\/%e4%b8%8d%e5%ae%b9%e5%bf%bd%e8%a6%96%e4%ba%ba%e5%a3%bd%e4%bf%9d%e9%9a%aa%e7%9a%84%e7%94%9f%e5%89%8d%e7%a6%8f%e5%88%a9\/","url_meta":{"origin":206426,"position":4},"title":"\u4e0d\u5bb9\u5ffd\u8996\u4eba\u58fd\u4fdd\u96aa\u7684\u751f\u524d\u798f\u5229","author":"Raymond","date":"October 30, 2016","format":false,"excerpt":"\u83ef\u4eba\u79fb\u6c11\u7f8e\u56fd\u5f8c\uff0c\u52aa\u529b\u5efa\u7acb\u5e78\u798f\u7684\u5bb6\u5712\uff0c\u60f3\u5230\u70ba\u5bb6\u4eba\u6709\u66f4\u597d\u7684\u4fdd\u969c\uff0c\u83ef\u4eba\u7236\u6bcd\u5011\u90fd\u6703\u8003\u616e\u8cfc\u8cb7\u4eba\u58fd\u4fdd\u96aa\uff0c\u5c24\u5176\u662f\u5bb6\u4e2d\u6709\u5e74\u5e7c\u7684\u5b50\u5973\u3002 \u4f46\u5341\u591a\u5eff\u591a\u5e74\u524d\u8cfc\u5165\u64c1\u6709\u7684\u4eba\u58fd\u4fdd\u55ae\uff0c\u4fdd\u984d\u901a\u5e38\u662f\u5341\u842c\u5230\u5eff\u842c\uff0c\u9019\u4e9b\u4eba\u58fd\u4fdd\u984d\u5c0d\u7576\u6642\u7684\u5bb6\u5ead\u6709\u4e00\u5b9a\u7684\u5e6b\u52a9\uff0c\u4f46\u63db\u5230\u4eca\u5929\u793e\u6703\u7684\u7269\u50f9\uff0c\u5341\u842c\u751a\u81f3\u4e8c\u5341\u842c\u7684\u4eba\u58fd\u4fdd\u55ae\uff0c\u5c0d\u5bb6\u5ead\u7684\u7a81\u767c\u8ca1\u52d9\u9700\u8981\uff0c\u5b8c\u5168\u8d77\u4e0d\u5230\u529f\u7528\u3002 \u6700\u8fd1\u5341\u591a\u5e74\uff0c\u7f8e\u570b\u4eba\u58fd\u4fdd\u96aa\u7684\u7523\u54c1\uff0c\u5728\u4eba\u58fd\u4fdd\u96aa\u88cf\u52a0\u5165\u751f\u524d\u798f\u5229\u7684\u8ce0\u511f\u689d\u6b3e\uff0c\u76ee\u7684\u662f\u5e6b\u52a9\u6295\u4fdd\u8005\uff0c\u7576\u8eab\u9ad4\u9047\u4e0a\u91cd\u5927\u75be\u75c5\uff0c\u9700\u8981\u9577\u671f\u8b77\u7406\u751a\u81f3\u60a3\u4e0a\u7d76\u75c7\u6642\uff0c\u5c31\u80fd\u4f7f\u7528\u81ea\u5df1\u64c1\u6709\u7684\u4eba\u58fd\u4fdd\u55ae\uff0c\u63d0\u524d\u7d22\u53d6\u751f\u524d\u7406\u8ce0\u7684\u6b3e\u9805\uff0c\u53bb\u61c9\u4ed8\u60a3\u75c5\u6642\u9700\u8981\u7d93\u6fdf\u7684\u8f14\u52a9\u3002 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