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2024","format":false,"excerpt":"\u53c8\u4e00\u500b\u4e0d\u662f\u8f15\u6613\u505a\u51fa\u7684\u6c7a\u5b9a\uff0c\u53ea\u662f\u9019\u56de\u4e26\u975e\u5f9e\u67d0\u79d1\u6280\u516c\u53f8CEO\u53e3\u4e2d\u8aaa\u51fa\u8981\u88c1\u54e1\uff0c\u800c\u662f\u66f4\u95dc\u4fc2\u5230\u52a0\u5dde\u4eba\u7684\u623f\u5c4b\u96aa\u696d\u8005\u3002 \u7e3d\u90e8\u5728\u4f0a\u5229\u8afe\u5dde\u7684\u52a0\u5dde\u6700\u5927\u4fdd\u96aa\u516c\u53f8State Farm\uff0c\u4e09\u6708\u4e2d\u5ba3\u5e03\u5f9e\u4eca\u5e74\u590f\u5929\u958b\u59cb\uff0c\u505c\u6b62\u7e8c\u4fdd\u52a0\u5dde\u4e03\u842c\u5169\u5343\u6236\u900f\u5929\u4f4f\u5b85\u8207\u516c\u5bd3\u7684\u4fdd\u96aa\uff0c\u662f\u8a72\u516c\u53f8\u5ba3\u5e03\u4e0d\u518d\u767c\u65b0\u4fdd\u55ae\u7d66\u52a0\u5dde\u5c4b\u4e3b\u5f8c\u4e5d\u500b\u6708\u7684\u6700\u5927\u52d5\u4f5c\u3002 State 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\u4fdd\u96aa\u5c40\u8aaa\u7684\u5920\u55c6\uff0c\u4f46\u4f55\u6642\u4eae\u528d\u8abf\u67e5\u537b\u6c92\u8aaa\uff0c\u6d88\u8cbb\u8005\u4fdd\u8b77\u5718\u9ad4\u5df2\u5148\u770b\u4e0d\u4e0b\u53bb\u3002Consumer Watchdog\u5275\u8fa6\u4ebaHarvey Rosenfield\uff0c\u662f1988\u5e74\u516c\u6295\u901a\u904e\u7684\u52a0\u5dde\u4fdd\u96aa\u6cd5\u898f\u300a\u7b2c103\u865f\u63d0\u6848\u300b\u7684\u8d77\u8349\u4eba\u4e4b\u4e00\uff0c\u4ed6\u8868\u793a\uff0c\u5c31\u5728\u4fdd\u96aa\u5c40\u6838\u51c6State Farm\u8abf\u9ad8\u4fdd\u8cbb\u5169\u6210\u5f8c\uff0c\u8a72\u516c\u53f8\u5c31\u505a\u6b64\u4e0d\u7e8c\u4fdd\u5ba3\u5e03\uff0c\u800c\u8cbb\u7387\u662f\u6839\u64da\u8a72\u516c\u53f8\u73fe\u6709\u52a0\u5dde\u4fdd\u6236\u6578\u4f86\u6838\u7b97\u7684\uff0c\u56e0\u6b64\u5dde\u6709\u8cac\u4efb\u518d\u4f86\u770b\u770b\u4e0d\u7e8c\u4fdd\u5f8c\u4fdd\u8cbb\u8abf\u9ad8\u662f\u5426\u6070\u7576\u3002 State Farm\u8868\u793a\u5f85\u5b9a\u7684\u4e0d\u7e8c\u4fdd\u4fdd\u55ae\u53ea\u4f54\u4e86\u52a0\u5dde\u7e3d\u4fdd\u55ae\u76842%\u591a\u4e9b\uff0c\u4f46\u6c92\u6709\u8aaa\u51fa\u5b83\u5011\u5728\u90a3\u88e1\uff0c\u4ee5\u53ca\u8a72\u516c\u53f8\u6703\u7528\u4ec0\u9ebc\u6a19\u6e96\u4e0d\u7e8c\u4fdd\u3002\u7136\u800c\u6d1b\u6749\u78ef\u7684\u7368\u7acb\u4fdd\u96aa\u7d93\u7d00\u4eba\u548c\u696d\u754c\u5c08\u5bb6Karl Susman\u6307\u51fa\uff0c\u90a3\u4e9b\u5c07\u88ab\u62cb\u68c4\u7684\u4fdd\u55ae\u5e7e\u4e4e\u53ef\u4ee5\u80af\u5b9a\u662f\u5728\u91ce\u706b\u98a8\u96aa\u66f4\u9ad8\u7684\u91ce\u5730\u5167\u8207\u5468\u906d\uff0c\u662f\u6a19\u6e96\u4fdd\u55ae\u4e0d\u9858\u610f\u8ce3\u7684\u5730\u65b9\u3002\u6240\u4ee5\u4ed6\u8aaa\uff0c\u5931\u53bb\u4fdd\u55ae\u7684\u5c4b\u4e3b\u5dee\u4e0d\u591a\u78ba\u5b9a\u8981\u6beb\u7121\u9078\u64c7\u5730\u8f49\u5411California FAIR Plan\u3002 \u9019\u662f\u5dde\u6240\u5275\u5efa\u7684\u79c1\u4eba\u4fdd\u96aa\u5132\u5099\u5eab\uff0c\u63d0\u4f9b\u6975\u9ad8\u98a8\u96aa\u8ca1\u7522\u7684\u6700\u57fa\u672c\u4fdd\u969c\uff0c\u4f46\u4fdd\u8cbb\u537b\u9060\u9ad8\u904e\u6a19\u51c6\u4fdd\u55ae\u3002\u53ef\u662f\u9019\u52a0\u5dde\u5c4b\u96aa\u7684\u6700\u5f8c\u5b88\u9580\u54e1\u7e3d\u88c1Victoria Roach\uff0c\u65bc\u4e09\u6708\u4e0b\u65ec\u5728\u4fdd\u96aa\u59d4\u54e1\u6703\u4e2d\u544a\u8a34\u7acb\u6cd5\u59d4\u54e1\u5011\uff0c\u4ed6\u5011\u627f\u4fdd\u7684\u9ad8\u98a8\u96aa\u91ce\u706b\u5730\u5340\u7684\u4f4f\u5bb6\u8207\u5546\u696d\u5730\u7522\u6578\u91cf\uff0c\u65bc\u4eca\u5e74\u4e8c\u6708\u5df2\u7ffb\u4e86\u4e00\u756a\u591a\uff0c\u5f9e2019\u5e74\u7684154,000\u4ef6\u589e\u52a0\u5230375,000\u4ef6\uff0c\u8cac\u4efb\u91d1\u984d\u4e5f\u5f9e2018\u5e74\u7684500\u5104\u5143\uff0c\u81a8\u8139\u5230\u4e8c\u6708\u76843360\u5104\u5143\u3002FAIR Plan\u6b63\u88ab\u63a8\u5411\u7834\u7522\u908a\u7de3\uff0c\u88ab\u8feb\u8981\u6db5\u84cb\u8fc5\u901f\u589e\u9577\uff0c\u5931\u53bb\u50b3\u7d71\u4fdd\u96aa\u4fdd\u969c\u7684\u8ca1\u7522\uff0c\u537b\u7121\u6cd5\u6536\u96c6\u5230\u8db3\u5920\u4fdd\u8cbb\u4f86\u8986\u84cb\u6f5b\u5728\u98a8\u96aa\u7684\u652f\u51fa\u3002 Roach\u544a\u8a34\u59d4\u54e1\u6703\uff1a\u300c\u9019\u4e9b\u662f\u9f90\u5927\u7684\u6578\u5b57\uff0c\u4e14\u5b83\u5011\u5728\u6301\u7e8c\u589e\u52a0\u4e2d\u2026\u96a8\u8457\u9019\u4e9b\u6578\u5b57\u6500\u5347\uff0c\u6211\u5011\u7684\u8ca1\u52d9\u7a69\u5b9a\u6027\u5c31\u6703\u6709\u554f\u984c\u3002\u300d\u4ed6\u5f37\u8abf\uff0c\u4e00\u5834\u7834\u58de\u6027\u7684\u91ce\u706b\uff0c\u751a\u81f3\u53ea\u662f\u4e00\u7cfb\u5217\u7684\u8f03\u5c0f\u578b\u706b\u707d\uff0c\u90fd\u53ef\u80fd\u4f7f\u5176\u8a08\u756b\u96e3\u4ee5\u8ca0\u8377\uff0c\u9032\u800c\u88ab\u8feb\u5411\u5dde\u7684\u6240\u6709\u4fdd\u96aa\u516c\u53f8\u6536\u53d6\u5b83\u7121\u6cd5\u6db5\u84cb\u7684\u8cac\u4efb\u8cbb\u7528\uff0c\u9019\u5c07\u6703\u53cd\u904e\u4f86\u53c8\u5411\u6240\u6709\u88ab\u4fdd\u96aa\u4f4f\u5b85\u8207\u4f01\u696d\u5ba2\u6236\u6536\u53d6\u66f4\u9ad8\u7684\u4fdd\u8cbb\u3002\u4ed6\u8aaa\uff1a\u300c\u9019\u662f\u4e00\u5834\u8ced\u535a\uff0c\u6211\u5011\u662f\u5728\u4e00\u5834\u9060\u96e2\u5927\u578b\u8a55\u4f30\u7684\u6d3b\u52d5\u4e2d\uff0c\u5df2\u6c92\u6709\u5176\u5b83\u5f62\u5bb9\u8a5e\u53ef\u4ee5\u8aaa\u4e86\uff0c\u56e0\u70ba\u6211\u5011\u624b\u982d\u4e0a\u6c92\u6709\u5f88\u591a\u9322\uff0c\u4f46\u6211\u5011\u5728\u90a3\u88e1\u537b\u6709\u5f88\u591a\u7684\u66dd\u96aa\u3002\u300d FAIR Plan\u7684\u8ca1\u52d9\u4e0d\u7a69\u5b9a\u662f\u88ab\u52a0\u5dde\u4fdd\u96aa\u5e02\u5834\u5feb\u8981\u5d29\u76e4\u6240\u9023\u7d2f\u7684\uff0c\u5728\u7d93\u904e\u4e00\u7cfb\u5217\u6210\u672c\u5f88\u9ad8\u7684\u91ce\u706b\u707d\u96e3\uff0c\u7d93\u7d71\u8a08\uff0c\u52a0\u5dde\u6700\u5177\u7834\u58de\u6027\u7684\u5eff\u4ef6\u91ce\u706b\u4e2d\uff0c\u6709\u5341\u56db\u4ef6\u662f\u767c\u751f\u5728\u8fd1\u5341\u5e74\u5167\uff0c\u56e0\u6b64\u90a3\u4e9b\u4e3b\u8981\u4fdd\u96aa\u516c\u53f8\u7d1b\u7d1b\u4e0d\u7e8c\u4fdd\u6216\u9650\u5236\u4fdd\u969c\u7bc4\u570d\uff0c\u9023\u9396\u53cd\u61c9\u4e0b\uff0c\u5931\u53bb\u4fdd\u96aa\u7684\u5c4b\u4e3b\u5011\u53ea\u80fd\u53bb\u627eFAIR Plan\uff0c\u800c\u9019\u6578\u5b57\u6b63\u4ee5\u6050\u6016\u7684\u901f\u5ea6\u589e\u52a0\u4e2d\uff0c\u73fe\u5728\u5dee\u4e0d\u591a\u6bcf\u500b\u5de5\u4f5c\u65e5\u5c31\u6709\u4e00\u5343\u4ef6\u5728\u7533\u8acb\u3002 FAIR Plan\u96d6\u662f\u500b\u975e\u71df\u5229\u5354\u6703\uff0c\u4f46\u4e5f\u4e0d\u88ab\u7a05\u91d1\u652f\u6301\uff0c\u66f4\u4e0d\u662f\u300a\u7b2c103\u865f\u63d0\u6848\u300b\u4fdd\u96aa\u6cd5\u7684\u9069\u7528\u5c0d\u8c61\uff0c\u56e0\u6b64\u5b83\u7684\u4fdd\u969c\u7bc4\u570d\u5f88\u4e7e\u6241\uff0c\u53ea\u6709\u706b\u707d\u8207\u7159\u71fb\u640d\u5bb3\uff0c\u800c\u7406\u8ce0\u91d1\u5b8c\u5168\u7531\u4fdd\u8cbb\u652f\u61c9\uff0c\u5373\u4f7f\u5b83\u5df2\u6bd4\u4e00\u822c\u4fdd\u96aa\u516c\u53f8\u8cb4\u5f88\u591a\u3002\u5c31\u7b97\u5982\u6b64\uff0c\u5b83\u4e5f\u9762\u81e8\u8ddf\u4e00\u822c\u4fdd\u96aa\u516c\u53f8\u4e00\u6a23\u7684\u56f0\u5883\uff0c\u9700\u8981\u8abf\u9ad8\u4fdd\u8cbb\u4f86\u8986\u84cb\u7406\u8ce0\u98a8\u96aa\uff0c\u4f46\u9019\u9700\u8981\u88ab\u6279\u51c6\uff0c\u6240\u4ee5\u52a0\u5dde\u4fdd\u96aa\u5c40\u9577Ricardo Lara\u53c8\u6703\u600e\u9ebc\u8aaa\u5462\uff1f\u4ed6\u53ef\u80fd\u4e5f\u6b63\u88ab\u4fdd\u96aa\u516c\u53f8\u4e0d\u73a9\u52a0\u5dde\u5e02\u5834\u7684\u91ce\u706b\u71d2\u5f97\u7126\u982d\u721b\u984d\uff0c\u800c\u66f4\u71d2\u5c41\u80a1\u7684\u662f\u5c4b\u4e3b\uff0c\u96e3\u9053\u4fdd\u96aa\u8ced\u76e4\u8981\u73a9\u5230\u4e00\u6bd4\u4e00\u55ce\uff1f \u8a18\u8005 Pegasus J. Juan","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\/2024\/05\/%E5%B1%8B%E9%9A%AA%E6%A5%AD%E8%80%85%E7%9C%9F%E7%9A%84%E6%A7%93%E4%B8%8A%E5%8A%A0%E5%B7%9E-SMALL.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2024\/05\/%E5%B1%8B%E9%9A%AA%E6%A5%AD%E8%80%85%E7%9C%9F%E7%9A%84%E6%A7%93%E4%B8%8A%E5%8A%A0%E5%B7%9E-SMALL.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2024\/05\/%E5%B1%8B%E9%9A%AA%E6%A5%AD%E8%80%85%E7%9C%9F%E7%9A%84%E6%A7%93%E4%B8%8A%E5%8A%A0%E5%B7%9E-SMALL.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":286193,"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 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Life\uff08\u5132\u84c4\u578b\u4eba\u58fd\u4fdd\u96aa\/\u842c\u80fd\u96aa\uff09\uff1a 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