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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 \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 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Life\uff08\u5132\u84c4\u578b\u4eba\u58fd\u4fdd\u96aa\/\u842c\u80fd\u96aa\uff09\uff1a 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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 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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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