{"id":62695,"date":"2013-11-07T08:27:36","date_gmt":"2013-11-07T16:27:36","guid":{"rendered":"http:\/\/old.newsforchinese.com\/v3\/?p=62695"},"modified":"2013-11-06T12:39:35","modified_gmt":"2013-11-06T20:39:35","slug":"%e5%a4%a7%e9%83%bd%e6%9c%83%e6%8e%a8%e5%87%ba%e3%80%8c%e5%a3%bd%e9%9a%aa%e6%96%b0%e8%a7%80%e9%bb%9e%e3%80%8d%e6%98%af%e6%b6%88%e8%b2%bb%e8%80%85%e7%9a%84%e7%8f%8d%e8%b2%b4%e8%b3%87%e7%94%a2","status":"publish","type":"post","link":"https:\/\/newsforchinese.com\/v3\/2013\/11\/07\/%e5%a4%a7%e9%83%bd%e6%9c%83%e6%8e%a8%e5%87%ba%e3%80%8c%e5%a3%bd%e9%9a%aa%e6%96%b0%e8%a7%80%e9%bb%9e%e3%80%8d%e6%98%af%e6%b6%88%e8%b2%bb%e8%80%85%e7%9a%84%e7%8f%8d%e8%b2%b4%e8%b3%87%e7%94%a2\/","title":{"rendered":"\u5927\u90fd\u6703\u63a8\u51fa\u300c\u58fd\u96aa\u65b0\u89c0\u9ede\u300d\u662f\u6d88\u8cbb\u8005\u7684\u73cd\u8cb4\u8cc7\u7522"},"content":{"rendered":"<p style=\"text-align: left;\" align=\"center\"><b><\/b><b>\u00a0<img loading=\"lazy\" decoding=\"async\" data-attachment-id=\"62697\" data-permalink=\"https:\/\/newsforchinese.com\/v3\/2013\/11\/07\/%e5%a4%a7%e9%83%bd%e6%9c%83%e6%8e%a8%e5%87%ba%e3%80%8c%e5%a3%bd%e9%9a%aa%e6%96%b0%e8%a7%80%e9%bb%9e%e3%80%8d%e6%98%af%e6%b6%88%e8%b2%bb%e8%80%85%e7%9a%84%e7%8f%8d%e8%b2%b4%e8%b3%87%e7%94%a2\/met-2\/\" data-orig-file=\"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2013\/11\/met.jpg\" data-orig-size=\"600,350\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;}\" data-image-title=\"met\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2013\/11\/met.jpg\" class=\"alignnone size-full wp-image-62697\" alt=\"met\" src=\"http:\/\/old.newsforchinese.com\/v3\/wp-content\/uploads\/2013\/11\/met.jpg\" width=\"600\" height=\"350\" srcset=\"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2013\/11\/met.jpg 600w, https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2013\/11\/met-300x175.jpg 300w, https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2013\/11\/met-94x55.jpg 94w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/b><\/p>\n<p style=\"text-align: left;\" align=\"center\">\u5c31\u5728\u8a31\u591a\u5bb6\u5ead\u4e00\u9762\u61c9\u4ed8\u7d93\u6fdf\u4e0d\u666f\u6c23\uff0c\u540c\u6642\u52a0\u500d\u52aa\u529b\u5c0b\u627e\u9054\u6210\u7406\u8ca1\u76ee\u6a19\u7684\u9014\u5f91\u6642\uff0c<!--more-->\u5927\u90fd\u6703\uff08MetLife\uff09\u63d0\u9192\u6d88\u8cbb\u8005\u91cd\u65b0\u5be9\u8996\u7406\u8ca1\u8207\u4fdd\u969c\u8a08\u5283\uff0c\u7d55\u4e0d\u5acc\u665a\u3002\u70ba\u4e86\u5354\u52a9\u5ba2\u6236\u5be6\u73fe\u7406\u8ca1\u76ee\u6a19\uff0c\u5927\u90fd\u6703\u63a8\u51fa\u540d\u70ba\u300c\u58fd\u96aa\u65b0\u89c0\u9ede\u300d\u7684\u5168\u65b0\u4e2d\u6587\u8cc7\u6e90\uff0c\u5e6b\u52a9\u5ba2\u6236\u63a2\u8a0e\u73fe\u91d1\u50f9\u503c\u58fd\u96aa\u7522\u54c1\u5728\u52a0\u5f37\u7406\u8ca1\u7d44\u5408\u591a\u5143\u5316\u3001\u5132\u5099\u65e5\u5f8c\u958b\u652f\u3001\u548c\u5efa\u7acb\u984d\u5916\u8cc7\u91d1\u4f86\u6e90\u5404\u65b9\u9762\u7684\u6f5b\u5728\u512a\u52e2\u3002<\/p>\n<p>\u300c\u96d6\u7136\u5927\u591a\u6578\u4eba\u90fd\u77e5\u9053\u8cfc\u8cb7\u4eba\u58fd\u4fdd\u96aa\u7684\u4e3b\u8981\u76ee\u7684\u662f\u5728\u842c\u4e00\u610f\u5916\u8eab\u6545\uff0c\u5fc3\u611b\u7684\u5bb6\u4eba\u80fd\u6709\u6240\u4fdd\u969c\uff0c\u4f46\u662f\u537b\u4e0d\u660e\u767d\u4e00\u4efd\u4ed4\u7d30\u898f\u5283\uff0c\u9069\u7576\u7d44\u5408\u7684\u73fe\u91d1\u50f9\u503c\u58fd\u96aa\u4fdd\u55ae\u80fd\u5920\u7acb\u5373\u63d0\u4f9b\u7684\u7406\u8ca1\u512a\u52e2\uff0c\u300d\u5927\u90fd\u6703\u5357\u52a0\u5dde\u5e02\u5834\u7e3d\u76e3Paul Justin\u8868\u793a\u3002\u300c\u6709\u4e86\u672c\u516c\u53f8\u63d0\u4f9b\u7684\u4e2d\u6587\u7ffb\u8b6f<\/p>\n<p>\u8cc7\u6e90\uff0c\u73fe\u5728\u6b63\u662f\u91cd\u65b0\u8a55\u4f30\u548c\u80af\u5b9a\u9019\u7b46\u5728\u73fe\u91d1\u50f9\u503c\u58fd\u96aa\u4fdd\u55ae\u4e2d\u589e\u9577\u7684\u8cc7\u91d1\uff0c\u4e5f\u53ef\u4ee5\u6709\u5229\u7a05\u52d9\u7684\u65b9\u5f0f\u7d2f\u7a4d\u7684\u6700\u597d\u6642\u6a5f\u3002\u9019\u4e9b\u8cc7\u91d1\u9084\u53ef\u5728\u60a8\u9700\u8981\u652f\u4ed8\u5b69\u5b50\u7684\u5927\u5b78\u5b78\u8cbb\u3001\u8cfc\u8cb7\u623f\u5c4b\u7684\u9996\u671f\u3001\u7dca\u6025\u5bb6\u5ead\u958b\u652f\u3001\u6216\u53ea\u662f\u5f4c\u88dc\u50b3\u7d71\u9000\u4f11\u8a08\u5283\u4e4b\u4e0d\u8db3\u6642\u63d0\u4f9b\u60a8\u9748\u6d3b\u9078\u64c7\u3002\u300d<\/p>\n<p>\u5927\u90fd\u6703\u9084\u91dd\u5c0d\u5176\u7d42\u8eab\u627f\u8afe\u58fd\u96aa\u7cfb\u5217\u7522\u54c1\u518d\u589e\u6dfb\u4e09\u7a2e\u984d\u5916\u7684\u7522\u54c1\u9078\u64c7\uff1a\u5927\u90fd\u6703\u7d42\u8eab\u627f\u8afe\u58fd\u96aa10\u5e74\u667a\u9078\u8a08\u5283\uff08MetLife Promise Whole Life Select 10<sup>SM<\/sup>\uff09\uff0c\u5927\u90fd\u6703\u7d42\u8eab\u627f\u8afe\u58fd\u96aa20\u5e74\u667a\u9078\u8a08\u5283\uff08MetLife Promise Whole Life Select 20<sup>SM<\/sup>\uff09\uff0c\u548c\u5927\u90fd\u6703\u7d42\u8eab\u627f\u8afe\u58fd\u96aa65\u5e74\u667a\u9078\u8a08\u5283\uff08MetLife Promise Whole Life Select 65<sup>SM<\/sup>\uff09\u3002\u4e0a\u8ff0\u65b0\u7522\u54c1\u63d0\u4f9b\u4e09\u7a2e\u7cbe\u9078\u671f\u9650 \u2013 10\u5e74\uff0c20\u5e74\u548c\u81f365\u6b72\u70ba\u6b62\uff0c\u5230\u671f\u5f8c\u4e0d\u9808\u7e7c\u7e8c\u4ed8\u6b3e\u4ecd\u7136\u53ef\u4ee5\u7dad\u6301\u4fdd\u55ae\u6548\u529b\u3002<\/p>\n<p>\u9019\u4e9b\u65b0\u4fdd\u55ae\u540c\u6642\u63d0\u4f9b\u53ef\u9078\u9644\u7d04\uff0c\u4ee5\u589e\u52a0\u5176\u9748\u6d3b\u6027\uff0c\u66f4\u80fd\u7b26\u5408\u500b\u5225\u4eba\u58eb\u7684\u9700\u8981\u3002\u6240\u5305\u542b\u7684\u9644\u7d04\u5305\u62ec\u63d0\u4f9b\u4fdd\u55ae\u6301\u6709\u4eba\u5728\u53d7\u4fdd\u4eba\u7f79\u60a3\u7d55\u75c7\u6642\uff0c\u52d5\u7528\u5168\u90e8\u6216\u90e8\u5206\u53ef\u52d5\u652f\u6b7b\u4ea1\u7406\u8ce0\u91d1\u7684\u80fd\u529b\uff0c\u63d0\u524d\u652f\u4ed8\u4fdd\u55ae\u4e4b\u6b7b\u4ea1\u7406\u8ce0\u91d1\u4ee5\u7528\u4f86\u652f\u4ed8\u4e45\u75c5\u8005\u9700\u63a5\u53d7\u9577\u671f\u7167\u8b77\u7684\u8cbb\u7528\uff0c\u4ee5\u53ca\u5728\u53d7\u4fdd\u4eba\u9023\u7e8c\u81f3\u5c11\u516d\u500b\u6708\u5b8c\u5168\u6b98\u969c\u6642\u8c41\u514d\u652f\u4ed8\u4fdd\u8cbb\u7684\u9078\u64c7\u3002\uff08\u53ef\u9078\u58fd\u96aa\u9644\u7d04\u53ef\u80fd\u9700\u8981\u652f\u4ed8\u984d\u5916\u8cbb\u7528\u3002\u7279\u5b9a\u5e74\u9f61\u548c\u5dde\u5730\u5340\u53ef\u80fd\u6703\u5c0d\u9069\u7528\u6027\u6709\u6240\u9650\u5236\uff09\u3002<\/p>\n<p>\u63d0\u4f9b\u9019\u4e9b\u9644\u7d04\u7684\u76ee\u7684\u5728\u53cd\u6620\u6d88\u8cbb\u8005\u5c0d\u4eba\u58fd\u4fdd\u96aa\u9700\u6c42\u7684\u8b8a\u5316\u3002\u7279\u5225\u662f\u5728\u7d93\u6fdf\u4e0d\u7a69\u5b9a\u6642\u671f\uff0c\u900f\u904e\u7d42\u8eab\u58fd\u96aa\u63d0\u4f9b\u7684\u4fdd\u8b49\u56de\u5831\u7387\u5c0d\u6d88\u8cbb\u8005\u7684\u5438\u5f15\u529b\u8d8a\u4f86\u8d8a\u5927\u3002\u66f4\u5168\u9762\u7684\u5927\u90fd\u6703\u7d42\u8eab\u627f\u8afe\u58fd\u96aa\u4ee5\u6b64\u512a\u52e2\u70ba\u57fa\u790e\uff0c\u63d0\u4f9b\u4fdd\u8b49\u56fa\u5b9a\u4fdd\u8cbb\u3001\u4fdd\u8b49\u73fe\u91d1\u50f9\u503c\u548c\u4fdd\u8b49\u6b7b\u4ea1\u7406\u8ce0\u91d1\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u300c\u6211\u5011\u9f13\u52f5\u6d88\u8cbb\u8005\u4ee5\u5168\u65b0\u89c0\u9ede\u4f86\u770b\u5f85\u4eba\u58fd\u4fdd\u96aa\uff0c\u4e26\u67e5\u770b\u4e00\u4e0b\u5927\u90fd\u6703\u63d0\u4f9b\u7684\u9644\u7d04\u5982\u4f55\u80fd\u5920\u6eff\u8db3\u4ed6\u5011\u7684\u7279\u5b9a\u9700\u6c42\uff0c\u300d 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href=\"http:\/\/www.metlife.com\/newlook\">www.metlife.com\/newlook<\/a>\u3002<\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<p>\u5927\u90fd\u6703\u7c21\u4ecb<\/p>\n<p>MetLife, Inc.\u662f\u5728\u5168\u7403\u5c45\u9818\u5148\u5730\u4f4d\uff0c\u63d0\u4f9b\u4fdd\u96aa\u3001\u5e74\u91d1\u548c\u54e1\u5de5\u798f\u5229\u8a08\u5283\u7684\u516c\u53f8\uff0c\u70ba9\u5343\u842c\u5ba2\u6236\u670d\u52d9\u3002 MetLife\u900f\u904e\u5b50\u516c\u53f8\u8207\u95dc\u4fc2\u4f01\u696d\uff0c\u5728\u5168\u7f8e\u5404\u5730\u3001\u65e5\u672c\u3001\u62c9\u4e01\u7f8e\u6d32\u3001\u4e9e\u6d32\u3001\u6b50\u6d32\u3001\u53ca\u4e2d\u6771\u5c45\u5e02\u5834\u9818\u5148\u5730\u4f4d\u3002\u6b32\u77e5\u9032\u4e00\u6b65\u8a73\u60c5\uff0c\u8acb\u767b\u5165<a href=\"http:\/\/www.metlife.com\/\">www.metlife.com<\/a>\u3002<strong><\/strong><\/p>\n<p>\u5982\u540c\u5927\u591a\u6578\u4fdd\u96aa\u4fdd\u55ae\uff0c\u5927\u90fd\u6703\u4fdd\u55ae\u5305\u542b\u8cbb\u7528\u3001\u9650\u5236\u9805\u76ee\u3001\u6392\u9664\u9805\u76ee\u3001\u9000\u4fdd\u689d\u6b3e\uff0c\u4ee5\u53ca\u4fdd\u6301\u4fdd\u55ae\u6548\u529b\u7684\u689d\u6b3e\u3002\u8acb\u8207\u60a8\u7684\u5927\u90fd\u6703\u7406\u8ca1\u4ee3\u8868\u806f\u7d61\u4ee5\u4e86\u89e3\u5b8c\u6574\u7684\u8cbb\u7528\u548c\u8a73\u60c5\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u5927\u90fd\u6703\u7d42\u8eab\u627f\u8afe\u58fd\u96aa\u5728\u7d10\u7d04\u4ee5\u5916\u7684\u6240\u6709\u53f8\u6cd5\u8f44\u5340\u7531MetLife Investors USA Insurance Company\u900f\u904e\u7b2c5E-12-10\u865f\u4fdd\u55ae\u8868\u683c\u767c\u884c\uff1b\u5728\u7d10\u7d04\u7531Metropolitan Life Insurance 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Company\u900f\u904e\u7b2c5E-12-10\u865f\u4fdd\u55ae\u8868\u683c\u767c\u884c\uff1b\u5728\u7d10\u7d04\u7531Metropolitan Life Insurance 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Commissioners)\u3002\u9019\u4e9b\u8a08\u5283\u66f8\u8ddf\u9999\u6e2f\u4fdd\u96aa\u7684\u5dee\u4e0d\u591a\uff0c\u90fd\u662f\u8a73\u76e1\u7684\u5217\u8209\u4fdd\u55ae\u7d30\u7bc0\uff0c\u6536\u76ca\u6f14\u793a\uff0c\u4e3b\u7d04\u9644\u7d04\u7b49\u7b49\u3002\u9664\u6b64\u4e4b\u5916\uff0c\u9084\u901a\u904e\u6578\u64da\u6f14\u7b97\u8868\u544a\u77e5\u5ba2\u6236\u4fdd\u55ae\u6703\u4e0d\u6703\u6210\u70baMEC\u4fdd\u55ae\uff0c\u540c\u6642\u9084\u986f\u793a\u9019\u500b\u8a08\u5283\u66f8\u76847 Pay\u6700\u9ad8\u4fdd\u8cbb\uff0c\u90a3\u9ebc\u5c31\u53ef\u4ee5\u628a\u63e1\u4fdd\u8cbb\u7e3d\u984d\u7684\u5c3a\u5ea6\uff0c\u907f\u514dMEC\u7684\u7d05\u7dda\u3002 \u8655\u7406\u7684\u67d0\u500bcase\u4e2d\uff0c\u6709\u5177\u9ad4\u76847-Pay\u91d1\u984d\uff0c\u6709\u5177\u9ad4\u7684Premium Test\u53e6\u5916\uff0c\u842c\u7528\u58fd\u96aa\u7684\u7522\u54c1\u9084\u6703\u7528GPT\u548c CVAT\u5169\u7a2e\u65b9\u6cd5\u898f\u907fMEC \uff08\u4fdd\u8cbb\u6307\u5c0e\u6e2c\u8a66Guideline Premium 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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\/2021\/10\/compressed-0tea.jpeg?resize=350%2C200&ssl=1","width":350,"height":200},"classes":[]},{"id":209651,"url":"https:\/\/newsforchinese.com\/v3\/2021\/11\/04\/%e7%be%8e%e5%9c%8b%e4%ba%ba%e5%a3%bd%e4%bf%9d%e9%9a%aa%e6%9c%80%e5%a4%a7%e7%9a%84%e8%b2%b7%e5%ae%b6%e6%98%af%e8%aa%b0%ef%bc%9f\/","url_meta":{"origin":62695,"position":4},"title":"\u7f8e\u570b\u4eba\u58fd\u4fdd\u96aa\u6700\u5927\u7684\u8cb7\u5bb6\u662f\u8ab0\uff1f","author":"Raymond","date":"November 4, 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\u539f\u56e0\u4e00\uff1a\u58fd\u96aa\u516c\u53f8\u7684\u6295\u8cc7\u66f4\u5206\u6563\uff0c\u66f4\u6ce8\u91cd\u9577\u671f\u6548\u61c9\uff0c\u4e0d\u5229\u7528\u69d3\u687f\uff0c\u56e0\u800c\u6bd4\u9280\u884c\u6295\u8cc7\u66f4\u7a69\u5b9a\u3002 2008\u5e74\u91d1\u878d\u5371\u6a5f\uff0c\u7f8e\u570b\u6709\u4e0a\u842c\u5bb6\u9280\u884c\u7834\u7522\u5012\u9589\uff0c\u4f46\u5728\u4fdd\u96aa\u516c\u53f8\u6295\u8cc7\u7684\u8cc7\u7522\u7d55\u5927\u591a\u6578\u90fd\u662f\u5b89\u5168\u7684\u3002\u7f8e\u570b\u9280\u884c2008\u5e74\u5728\u4fdd\u96aa\u516c\u53f8\u6301\u6709\u7684\u4eba\u58fd\u4fdd\u96aa\u73fe\u91d1\u503c\u5c31\u9054190\u5104\uff0c\u81f3\u5c11\u9019\u4e9b\u8cc7\u7522\u662f\u5b89\u5168\u7684\uff0c\u53ef\u4ee5\u6551\u6025\u3002 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\u6211\u5011\u500b\u4eba\u8cfc\u8cb7\u5177\u6709\u73fe\u91d1\u50f9\u503c\u7684\u58fd\u96aa\u4e5f\u662f\u57fa\u65bc\u8207\u9280\u884c\u76f8\u540c\u7684\u539f\u56e0\uff0c\u8cc7\u7522\u914d\u7f6e\u591a\u5143\u5316\uff0c\u6295\u8cc7\u514d\u7a05\u589e\u9577\uff0c\u8cc7\u7522\u6709\u6700\u4f4e\u9650\u5ea6\u7684\u4fdd\u969c\u3002\u6211\u5011\u6bcf\u5929\u90fd\u9762\u81e8\u8a31\u591a\u4e0d\u78ba\u5b9a\u6027\uff0c\u5065\u5eb7\u3001\u8ca1\u5bcc\u548c\u751f\u547d\u90fd\u4e0d\u80fd\u5b8c\u5168\u5728\u81ea\u5df1\u7684\u638c\u63a7\u4e4b\u4e2d\uff0c\u6211\u5011\u80fd\u5920\u505a\u7684\u5c31\u662f\u76e1\u53ef\u80fd\u5730\u8f49\u5ac1\u98a8\u96aa\uff0c\u800c\u4fdd\u96aa\u516c\u53f8\u7684\u5b58\u5728\u53ca\u5176\u63d0\u4f9b\u7684\u5b8c\u6574\u5546\u696d\u6a21\u5f0f\u70ba\u6211\u5011\u63d0\u4f9b\u4e86\u98a8\u96aa\u8f49\u5ac1\u7684\u6700\u597d\u9014\u5f91\u3002 \u6587\/\u9ec3\u66c9\u6771 408-466-0233 dhuang@elitefig.com\u00a0","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":840,"url":"https:\/\/newsforchinese.com\/v3\/2010\/08\/06\/%e5%a4%a7%e9%83%bd%e6%9c%83%e7%82%ba%e8%a6%8f%e5%8a%83%e9%80%80%e4%bc%91%e7%94%9f%e6%b4%bb%e6%8f%90%e5%87%ba%e5%bb%ba%e8%ad%b0\/","url_meta":{"origin":62695,"position":5},"title":"\u5927\u90fd\u6703\u70ba\u898f\u5283\u9000\u4f11\u751f\u6d3b\u63d0\u51fa\u5efa\u8b70","author":"Raymond","date":"August 6, 2010","format":false,"excerpt":"04-06-2010 \u5927\u90fd\u6703\u70ba\u898f\u5283\u9000\u4f11\u751f\u6d3b\u53ca\u500b\u4eba\u9000\u4f11\u5e33\u6236\u63d0\u4f9b\u5efa\u8b70 -\u9069\u7576\u7684\u898f\u5283\u6709\u52a9\u65bc\u5efa\u7acb\u60a8\u7684\u8ca1\u52d9\u81ea\u7531 - 2009\u5e74\u7684\u5831\u7a05\u5b63\u7bc0\u5373\u5c07\u5230\u671f\uff0c\u8a31\u591a\u6d88\u8cbb\u8005\u90fd\u6025\u8457\u5728\u56db\u6708\u5341\u4e94\u65e5\u622a\u6b62\u65e5\u524d\u5b8c\u6210\u5831\u7a05\u7684\u5de5\u4f5c\u3002\u5c31\u5728\u6d88\u8cbb\u8005\u914d\u5408\u5c08\u696d\u5831\u7a05\u4eba\u54e1\u5171\u540c\u5b8c\u6210\u5831\u7a05\u5de5\u4f5c\u7684\u540c\u6642\uff0c\u5728\u63d0\u4f9b\u4fdd\u96aa\u53ca\u7406\u8ca1\u670d\u52d9\u65b9\u9762\u9818\u5148\u5168\u570b\u7684\u5927\u90fd\u6703\u4eba\u58fd\u9858\u85c9\u6b64\u6a5f\u6703\u9f13\u52f5\u6d88\u8cbb\u8005\u5c0d\u8a72\u516c\u53f8\u900f\u904e\u500b\u4eba\u9000\u4f11\u5e33\u6236\uff08Individual Retirement Account\uff0cIRA\uff09\u63d0\u4f9b\u7684\u9000\u4f11\u5132\u84c4\u53ca\u7bc0\u7a05\u6548\u76ca\u8a73\u52a0\u8003\u616e\u3002 \u500b\u4eba\u9000\u4f11\u5e33\u6236\uff08IRA\uff09\u662f\u5927\u90fd\u6703\u63d0\u4f9b\u7d66\u5ba2\u6236\u7684\u773e\u591a\u9078\u64c7\u4e4b\u4e00\uff0c\u53ef\u4ee5\u5354\u52a9\u5ba2\u6236\u898f\u5283\u9000\u4f11\u751f\u6d3b\u4e26\u5efa\u7acb\u500b\u4eba\u5b89\u5168\u7db2\u3002\u4ee5\u4e0b\u662f\u63d0\u4f9b\u7d66\u6d88\u8cbb\u8005\u53c3\u8003\u7684\u5404\u7a2e\u500b\u4eba\u9000\u4f11\u5e33\u6236\u7684\u6458\u8981\u8aaa\u660e\uff1a \u50b3\u7d71\u5f0f\u500b\u4eba\u9000\u4f11\u5e33\u6236\uff08Traditonal IRA\uff09\u63d0\u4f9b\u7bc0\u7a05\u6548\u76ca\u8207\u6295\u8cc7\u798f\u5229\u7684\u5f48\u6027\u3002\u4fdd\u55ae\u6301\u6709\u4eba\u53ef\u4ee5\u6839\u64da\u672c\u8eab\u7684\u7406\u8ca1\u76ee\u6a19\u3001\u6642\u9593\u9650\u5236\u53ca\u5c0d\u98a8\u96aa\u7684\u627f\u53d7\u80fd\u529b\u4f86\u5728\u773e\u591a\u6295\u8cc7\u9078\u9805\u4e2d\u6c7a\u5b9a\u8cc7\u7522\u5206\u914d\u6bd4\u91cd\u3002\u6295\u8cc7\u7684\u6536\u76ca\u53ef\u4ee5\u7de9\u7a05\uff0c\u6301\u6709\u4eba\u76f4\u5230\u63d0\u9818\u8cc7\u91d1\u6642\u624d\u5fc5\u9808\u7d0d\u7a05\u3002\u8a31\u591a\u4eba\u5b58\u5165\u50b3\u7d71\u5f0f\u500b\u4eba\u9000\u4f11\u5e33\u6236\u7684\u8cc7\u91d1\u9084\u53ef\u4ee5\u62b5\u7a05\u3002\u62b5\u7a05\u8207\u5426\u53d6\u6c7a\u65bc\u6301\u6709\u4eba\u6216\u5176\u914d\u5076\u662f\u5426\u70ba\u7531\u516c\u53f8\u8d0a\u52a9\u4e4b\u9000\u4f11\u8a08\u5283\u7684\u7a4d\u6975\u53c3\u8207\u8005\uff0c\u53ca\u5176\u8a72\u5e74\u5ea6\u7d93\u8abf\u6574\u4e4b\u6bdb\u6536\u5165\uff08Modified Adjusted Gross Income\uff09\u548c\u5831\u7a05\u8cc7\u683c\u800c\u5b9a\u3002\u5f9e\u50b3\u7d71\u5f0f\u500b\u4eba\u9000\u4f11\u5e33\u6236\u4e2d\u63d0\u9818\u61c9\u7d0d\u7a05\u4e4b\u91d1\u984d\u9808\u4f9d\u7167\u4e00\u822c\u6240\u5f97\u7a05\u7d0d\u7a05\uff0c\u5982\u679c\u5728\u5e74\u6eff59\u6b72\u534a\u4e4b\u524d\u63d0\u9818\uff0c\u9084\u53ef\u80fd\u9700\u8ca0\u64d4\u984d\u5916\u7684\u767e\u5206\u4e4b\u5341\u7f70\u91d1\u3002 Roth\u500b\u4eba\u9000\u4f11\u5e33\u6236\uff08Roth IRA\uff09\u5c31\u548c\u50b3\u7d71\u5f0f\u500b\u4eba\u9000\u4f11\u5e33\u6236\u4e00\u6a23\uff0c\u63d0\u4f9b\u60a8\u53ef\u4ee5\u7de9\u7a05\u7684\u8cc7\u91d1\u7d2f\u7a4d\u3002\u4f46\u662f\u8207\u50b3\u7d71\u5f0f\u500b\u4eba\u9000\u4f11\u5e33\u6236\u4e0d\u540c\u7684\u662f\uff0cRoth\u500b\u4eba\u9000\u4f11\u5e33\u6236\u7684\u6301\u6709\u4eba\u5728\u958b\u6236\u5f8c\u6eff\u4e94\u5e74\uff0c\u4e26\u7b26\u5408\u4e00\u7a2e\u5176\u4ed6\u689d\u4ef6\u898f\u5b9a\uff08\u4f8b\u5982\u5e74\u6eff\u4e94\u5341\u4e5d\u6b72\u534a\uff09\u6642\uff0c\u5c31\u53ef\u4ee5\u4eab\u6709\u5728\u7b26\u5408\u689d\u4ef6\u4e0b\u6536\u76ca\u514d\u7a05\u7684\u5f85\u9047\u3002\u4f46\u662f\u5b58\u5165Roth\u500b\u4eba\u9000\u4f11\u5e33\u6236\u7684\u8cc7\u91d1\u4e0d\u80fd\u62b5\u7a05\uff0c\u800c\u4e14\u7d93\u8abf\u6574\u7684\u6bdb\u6536\u5165\u5fc5\u9808\u5728\u4e00\u5b9a\u6a19\u6e96\u4ee5\u4e0b\u624d\u80fd\u7b26\u5408\u958b\u7acbRoth \u500b\u4eba\u9000\u4f11\u5e33\u6236\u7684\u8cc7\u683c\u3002\u5728\u5e74\u6eff\u4e94\u5341\u4e5d\u6b72\u534a\u4e4b\u524d\u5f9eRoth\u500b\u4eba\u9000\u4f11\u5e33\u6236\u63d0\u6b3e\uff0c\u901a\u5e38\u5fc5\u9808\u4f9d\u7167\u4e00\u822c\u500b\u4eba\u6240\u5f97\u7a05\u7d0d\u7a05\uff0c\u4e5f\u53ef\u80fd\u5fc5\u9808\u8ca0\u64d4\u984d\u5916\u7684\u767e\u5206\u4e4b\u5341\u7f70\u91d1\u30022010\u5e74\u67d0\u4e9b\u7279\u5225\u7d0d\u7a05\u689d\u6b3e\u53ef\u80fd\u4ee4Roth\u500b\u4eba\u9000\u4f11\u5e33\u6236\u5c0d\u67d0\u4e9b\u5b58\u6236\u66f4\u5177\u5438\u5f15\u529b\u3002 \u914d\u5076\u500b\u4eba\u9000\u4f11\u5e33\u6236\uff08Spousal IRA\uff09\u5141\u8a31\u7121\u6536\u5165\u6216\u6536\u5165\u975e\u5e38\u6709\u9650\u7684\u914d\u5076\u64c1\u6709\u500b\u4eba\u9000\u4f11\u5e33\u6236\u3002\u914d\u5076\u9000\u4f11\u5e33\u6236\u5141\u8a31\u592b\u59bb\u5171\u540c\u958b\u8a2d\u5169\u500b\u500b\u4eba\u9000\u4f11\u5e33\u6236 \u2013 \u4e00\u4eba\u4e00\u500b \u2013 \u800c\u6bcf\u4e00\u500b\u90fd\u4ee5\u500b\u4eba\u55ae\u7368\u4e0a\u9650\u70ba\u6e96\u3002\u4f46\u662f\u592b\u59bb\u7684\u5171\u540c\u6536\u5165\u6700\u5c11\u5fc5\u9808\u8207\u5b58\u5165\u5169\u500b\u500b\u4eba\u9000\u4f11\u5e33\u6236\u7684\u7e3d\u91d1\u984d\u76f8\u540c\uff0c\u540c\u6642\u592b\u59bb\u5728\u5b58\u5165\u91d1\u984d\u7684\u7576\u5e74\u5fc5\u9808\u4ee5\u5171\u540c\u540d\u7fa9\u5831\u7a05\u3002 \u8f49\u79fb\u5f0f\u500b\u4eba\u9000\u4f11\u5e33\u6236\uff08Rollover IRA\uff09\u5141\u8a31\u4fdd\u55ae\u6301\u6709\u4eba\u5728\u8f49\u63db\u5de5\u4f5c\u6216\u9000\u4f11\u6642\u5c07\u96c7\u4e3b\u63d0\u4f9b\u7684\u9000\u4f11\u8a08\u5283\u8f49\u79fb\u5230\u500b\u4eba\u9000\u4f11\u5e33\u6236\u4e2d\u3002\u9019\u6a23\u505a\u4ee4\u4fdd\u55ae\u6301\u6709\u4eba\u5f97\u4ee5\u7e7c\u7e8c\u4eab\u53d7\u9000\u4f11\u8cc7\u91d1\u7de9\u7a05\u7684\u597d\u8655\uff0c\u76f4\u5230\u5fc5\u9808\u63d0\u9818\u6642\u70ba\u6b62\u3002\u91cd\u8981\u7684\u662f\u5728\u8f49\u79fb\u8cc7\u91d1\u6642\uff0c\u52d9\u5fc5\u9075\u7167\u8f49\u79fb\u8cc7\u91d1\u7684\u6709\u95dc\u898f\u5b9a\u624d\u80fd\u4fdd\u969c\u7de9\u7a05\u548c\u5176\u4ed6\u597d\u8655\u3002 \u5ef6\u4f38\u5f0f\u500b\u4eba\u9000\u4f11\u5e33\u6236\uff08Stretch IRA\uff09\u662f\u5728\u6301\u6709\u4eba\u4e0d\u518d\u9700\u8981\u8cc7\u91d1\u4f86\u6eff\u8db3\u9000\u4f11\u751f\u6d3b\u7684\u9700\u6c42\u6642\uff0c\u5c07\u66f4\u591a\u7684\u500b\u4eba\u9000\u4f11\u5e33\u6236\u8cc7\u91d1\u8f49\u8b93\u7d66\u5fc3\u611b\u7684\u4eba\u7684\u65b9\u6cd5\u3002\u5982\u679c\u5e33\u6236\u6301\u6709\u4eba\u7d42\u5176\u4e00\u751f\u53ea\u63d0\u9818\u898f\u5b9a\u7684\u6700\u4f4e\u6536\u76ca\uff0c\u8a72\u5e33\u6236\u4e4b\u6536\u76ca\u5c31\u6709\u53ef\u80fd\u5728\u6301\u6709\u4eba\u81e8\u7d42\u6642\u6210\u9577\u5230\u5176\u4e00\u751f\u4e2d\u7684\u6700\u9ad8\u9ede\uff0c\u56e0\u6b64\u6709\u6a5f\u6703\u7559\u7d66\u53d7\u76ca\u4eba\u4e00\u7b46\u7de9\u7a05\u7684\u907a\u7522\u3002 \u6559\u80b2\u9000\u4f11\u5e33\u6236\uff08Education IRA\uff09\u6216\u7a31 Coverdell\u6559\u80b2\u5132\u84c4\u5e33\u6236\uff08Coverdell Education Savings 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