{"id":328817,"date":"2022-06-21T16:58:36","date_gmt":"2022-06-21T23:58:36","guid":{"rendered":"https:\/\/icitynews.com.cn\/?p=328817"},"modified":"2022-06-21T17:00:53","modified_gmt":"2022-06-22T00:00:53","slug":"%e5%ae%9a%e6%9c%9f%e5%af%bf%e9%99%a9vs%e6%b0%b8%e4%b9%85%e5%af%bf%e9%99%a9","status":"publish","type":"post","link":"https:\/\/icitynews.com\/?p=328817","title":{"rendered":"\u5b9a\u671f\u5bff\u9669VS\u6c38\u4e45\u5bff\u9669!"},"content":{"rendered":"<p><strong>\u5b9a\u671f\u5bff\u9669<\/strong><strong>VS<\/strong><strong>\u6c38\u4e45\u5bff\u9669<\/strong><strong>!<\/strong><\/p>\n<p>\u81ea\u4ece\u75ab\u60c5\u4ee5\u6765\uff0c\u5927\u5bb6\u5bf9\u4e8e\u4eba\u5bff\u4fdd\u9669\u7684\u9700\u6c42\u4ee5\u53ca\u91cd\u89c6\u5ea6\u8d8a\u6765\u8d8a\u9ad8\uff0c\u4eba\u5bff\u4fdd\u9669\u53ef\u518d\u4e0d\u5e78\u53d1\u751f\u65f6\u4e3a\u60a8\u7684\u5bb6\u4eba\u63d0\u4f9b\u4fdd\u969c\u662f\u6bcb\u5eb8\u7f6e\u7591\u7684\uff0c\u4f46\u9009\u62e9\u4ec0\u4e48\u7c7b\u578b\u7684\u4eba\u5bff\u4fdd\u9669\u5374\u662f\u5f88\u591a\u4eba\u6bd4\u8f83\u56f0\u60d1\u7684\uff0c\u4eca\u5929\u8fd9\u7bc7\u6587\u7ae0\uff0c\u5e0c\u671b\u53ef\u4ee5\u4e3a\u60a8\u89e3\u60d1\u7b54\u7591\u3002<\/p>\n<p><strong><em>\u3010\u5b9a\u671f\u5bff\u9669\u4e0e\u6c38\u4e45\u5bff\u9669\u7684\u533a\u522b\u3011<\/em><\/strong><\/p>\n<p><strong>\u5b9a\u671f\u5bff\u9669\uff08<\/strong><strong>Term Life Insurance<\/strong><strong>\uff09<\/strong>, \u662f\u6307\u5728\u6307\u5b9a\u671f\u9650\u5185\uff0c\u5982\u679c\u6295\u4fdd\u4eba\u6b7b\u4ea1\uff0c\u4fdd\u9669\u516c\u53f8\u4f1a\u652f\u4ed8\u6b7b\u4ea1\u8d54\u507f\u91d1\uff0c\u901a\u5e38\u662f10\u5e74\uff0c15\u5e74\uff0c20\u5e74\u7b49\uff0c\u6700\u9ad8\u53ef\u4ee5\u523035\u5e74\u3002<\/p>\n<p><strong>\u6c38\u4e45\u5bff\u9669\uff0c<\/strong>\u5305\u62ecwhole life \u548c universal life\u7b49\uff0c \u4e3a\u6295\u4fdd\u4eba\u63d0\u4f9b\u7ec8\u8eab\u7684\u4fdd\u969c\u4ee5\u53ca\u4e00\u5b9a\u7684\u73b0\u91d1\u4ef7\u503c\uff0c\u4e00\u822c\u53ef\u4ee5\u5230121\u5c81\uff08\u6bcf\u4e2a\u4fdd\u9669\u516c\u53f8\u4e0d\u540c\uff09\u3002<\/p>\n<p><strong><em><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-328820\" src=\"http:\/\/icitynews.com.cn\/wp-content\/uploads\/2022\/06\/Picture2-800x408.png\" alt=\"\" width=\"800\" height=\"408\" srcset=\"https:\/\/icitynews.com.cn\/wp-content\/uploads\/2022\/06\/Picture2-800x408.png 800w, https:\/\/icitynews.com.cn\/wp-content\/uploads\/2022\/06\/Picture2-768x391.png 768w, https:\/\/icitynews.com.cn\/wp-content\/uploads\/2022\/06\/Picture2-600x306.png 600w, https:\/\/icitynews.com.cn\/wp-content\/uploads\/2022\/06\/Picture2.png 936w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/>\u3010\u8d2d\u4e70\u5b9a\u671f\u5bff\u9669\u7684\u597d\u5904<\/em><\/strong><strong><em>VS <\/em><\/strong><strong><em>\u6c38\u4e45\u5bff\u9669\u7684\u597d\u5904\u3011<\/em><\/strong><\/p>\n<ul>\n<li><strong>\u8d2d\u4e70<\/strong><strong>Term<\/strong><strong>\u7684\u4e3b\u8981\u539f\u56e0\u662f\u53ef\u4ee5\u6700\u5927\u9650\u5ea6\u5730\u51cf\u5c11\u6210\u672c\u3002\u8fd9\u5728\u4ee5\u4e0b\u51e0\u79cd\u60c5\u51b5\u4e0b\u53ef\u80fd\u662f\u6709\u76ca\u7684\uff1a<\/strong><\/li>\n<li>\u6709\u5176\u4ed6\u50a8\u84c4\u548c\u6295\u8d44\u76ee\u6807\uff0c\u53ea\u9700\u8981\u652f\u4ed8\u4f4e\u6210\u672c\u7684\u6708\u4fdd\u8d39\u6765\u83b7\u5f97\u4fdd\u969c<\/li>\n<li>\u4e0d\u9700\u8981\u5b9a\u671f\u4fdd\u9669\u7684\u65f6\u5019\uff0c\u53ef\u4ee5\u505c\u6b62\u652f\u4ed8\u4fdd\u8d39\u5e76\u53d6\u6d88\uff0c\u5c06\u5269\u4f59\u7528\u6765\u652f\u4ed8\u5b9a\u671f\u9669\u7684\u8d44\u91d1\u7528\u4e8e\u5176\u4ed6\u50a8\u84c4\u548c\u6295\u8d44<\/li>\n<li>\u5b9a\u671f\u4fdd\u9669\u5728\u524d\u51e0\u5e74\u901a\u5e38\u53ef\u4ee5\u8f6c\u6362\u4e3a\u6c38\u4e45\u5bff\u9669\uff0c\u6709\u4e00\u5b9a\u7684\u7075\u6d3b\u6027<\/li>\n<li><strong>\u8d2d\u4e70\u6c38\u4e45\u5bff\u9669\u7684<\/strong><strong>whole life <\/strong><strong>\u7684\u4f18\u52bf\uff1a<\/strong><\/li>\n<li>\u6c38\u4e45\u7684\u4fdd\u969c\uff1a\u5e0c\u671b\u83b7\u5f97\u4fdd\u8bc1\u7684\u6b7b\u4ea1\u629a\u6064\u91d1\uff0c\u4ee5\u4fbf\u4e3a\u5bb6\u5ead\u6210\u5458\u7559\u4e0b\u9057\u4ea7\u3002\u5f53\u60a8\u5728\u53bb\u4e16\u65f6\u6709\u9057\u4ea7\u89c4\u5212\u9700\u6c42\u6216\u6d41\u52a8\u8d44\u4ea7\u4e0d\u8db3\u65f6\uff0c\u6c38\u4e45\u4fdd\u5355\u4f1a\u6709\u6240\u5e2e\u52a9\u3002<\/li>\n<li>\u50a8\u84c4\uff1a \u66f4\u9ad8\u7684\u4fdd\u8d39\u662f\u56e0\u4e3a\u4fdd\u5355\u4e2d\u7684\u672c\u91d1\u4f1a\u5f62\u6210\u73b0\u91d1\u4ef7\u503c\u8d26\u6237\u3002\u5982\u679c\u5e76\u4e0d\u5bf9\u6295\u8d44\u5dee\u989d\u9020\u6210\u7684\u6536\u76ca\u62b1\u6709\u5e0c\u671b\uff0c\u90a3\u4e48Whole Life\u63d0\u4f9b\u4e86\u50a8\u84c4\u7684\u529f\u80fd\uff0c\u73b0\u91d1\u4ef7\u503c\u7684\u8d26\u6237\u4f5c\u4e3a\u50a8\u84c4\uff0c\u901a\u8fc7\u5206\u7ea2\u6709\u7a33\u5b9a\u7684\u589e\u957f\u3002\u8fd9\u7b14\u5206\u7ea2\u7528\u4e8e\u589e\u52a0\u8eab\u6545\u8d54\u507f\u548c\u4fdd\u5355\u73b0\u91d1\u4ef7\u503c\u3002\u5bf9\u4e8e\u4fdd\u5b88\u578b\u7684\u5ba2\u4eba\u662f\u4e00\u4e2a\u5b89\u5fc3\u7684\u9009\u62e9\u3002<\/li>\n<li>\u7a0e\u52a1\u4f18\u52bf\uff1a\u6709\u73b0\u91d1\u4ef7\u503c\u7684\u5bff\u9669\u4f1a\u63d0\u4f9b\u73b0\u91d1\u503c\u514d\u7a0e\u7684\u589e\u957f\uff0c\u5e76\u4e14\u589e\u957f\u7684\u73b0\u91d1\u503c\u53ef\u4ee5\u901a\u8fc7\u8d37\u6b3e\u63d0\u4f9b\u751f\u6d3b\u4e0a\u7684\u8d44\u91d1\uff0c\u5728\u4e0d\u4ea7\u751f\u7eb3\u7a0e\u4e49\u52a1\u7684\u60c5\u51b5\u4e0b\u63d0\u53d6\u73b0\u91d1\u4ef7\u503c\u3002\u6ce8\u610f\u4e0d\u8981\u8ba9\u4fdd\u5355\u5728\u8d37\u6b3e\u540e\u5931\u6548\u3002<\/li>\n<li>\u5bf9\u672a\u77e5\u7684\u53ef\u4fdd\u6027\uff1a\u6211\u4eec\u65e0\u6cd5\u786e\u5b9a\u5f88\u4e45\u7684\u4ee5\u540e\u662f\u5426\u9700\u8981\u4eba\u5bff\u4fdd\u9669\uff0c\u6240\u4ee5\u5728\u5e74\u8f7b\u4e14\u5065\u5eb7\u7684\u65f6\u5019\u6295\u4fdd\u6c38\u4e45\u6027\u7684\u50a8\u84c4\u4fdd\u5355\u53ef\u4ee5\u5e2e\u52a9\u6211\u4eec\u4ee5\u4e00\u4e2a\u4fbf\u5b9c\u7684\u4fdd\u8d39\u83b7\u5f97\u4fdd\u9669\uff0c\u964d\u4f4e\u4e86\u5728\u5e74\u9f84\u5927\u4e86\u6295\u4fdd\u56f0\u96be\u7684\u98ce\u9669\u3002<\/li>\n<li><strong>\u8d2d\u4e70\u6c38\u4e45\u5bff\u9669\u7684<\/strong><strong>Universal Life (GUL &amp; IUL) <\/strong><strong>\u7684\u4f18\u52bf\uff1a<\/strong><\/li>\n<\/ul>\n<p>\u5173\u4e8e\u6c38\u4e45\u578b\u7684\u5bff\u9669\uff0cWhole Life\u4e4b\u5916\u8fd8\u6709Universal Life\u3002Index Universal Life \u662f\u8fd1\u51e0\u5e74\u76db\u884c\u7684\u4ea7\u54c1\uff0c\u5b83\u6bd4Whole Life\u66f4\u7075\u6d3b\uff0c\u53ef\u4ee5\u5728\u4efb\u4f55\u65f6\u95f4\u7f34\u8d39\uff0c\u4e5f\u53ef\u4ee5\u7075\u6d3b\u9009\u62e9\u4ed8\u6b3e\u5e74\u9650\uff0c\u6700\u91cd\u8981\u7684\u662fIUL\u53c2\u8003\u6307\u6570\u7b56\u7565\uff0c\u4f46\u5f53\u5e02\u573a\u4e0d\u597d\u7684\u65f6\u5019\u73b0\u91d1\u4ef7\u503c\u589e\u957f\u662f\u4fdd\u5e95\u7684\u3002 GUL\u662f\u4f5c\u4e3a\u4fdd\u969c\u4f9b\u80fd\uff0c\u4ee5\u76f8\u5bf9\u4f4e\u7684\u4fdd\u8d39\u6765\u63d0\u4f9b\u4fdd\u969c\u3002\u73b0\u5728\u4e5f\u6709Guaranteed IUL\uff0c\u5728\u6307\u6570\u578b\u7684\u57fa\u7840\u4e0a\u589e\u52a0\u4e86\u4fdd\u969c\u7684\u7279\u70b9\uff0c\u76f8\u5bf9IUL\u66f4\u52a0\u4fdd\u5b88\u3002<\/p>\n<ul>\n<li><strong>Guaranteed Universal Life<\/strong><strong>\uff08\u7ec8\u8eab\u4fdd\u969c\u578b\u4e07\u80fd\u9669\uff09<\/strong><\/li>\n<\/ul>\n<p>\u63d0\u4f9b\u4fdd\u969c\u4e3a\u4e3b\uff0c\u662f\u552f\u4e00\u4e00\u7c7b\u6309\u7167\u7ea6\u5b9a\u7684\u4ed8\u8d39\u65b9\u6848\u7f34\u7eb3\u5b8c\u4fdd\u8d39\u540e\uff0c\u6ca1\u6709\u56e0\u4e3a\u7f3a\u4e4f\u4fdd\u8d39\u800c\u6709\u5931\u6548\u98ce\u9669\u7684\u4ea7\u54c1\u3002 \u4ef7\u683c\u6700\u4fbf\u5b9c\u7684\u7ec8\u8eab\u4fdd\u969c\u578b\u4ea7<\/p>\n<ul>\n<li>\u4f18\u70b9\uff1a\u4fdd\u8d39\u4fbf\u5b9c\uff0c\u4fdd\u969c\u7ec8\u8eab<\/li>\n<li>\u7f3a\u70b9\uff1a\u529f\u80fd\u5355\u4e00<\/li>\n<li><strong>Indexed Universal Life (<\/strong><strong>\u6307\u6570\u578b\u4e07\u80fd\u9669<\/strong><strong>)<\/strong><\/li>\n<\/ul>\n<p>\u51fa\u73b0\u57281994\u5de6\u53f3\u7684\u4e07\u80fd\u9669\u7684\u53d8\u79cd\uff0c \u73b0\u91d1\u503c\u589e\u957f\u6302\u94a9\u6307\u6570\uff08\u4f8b\u5982\u6807\u666e500\uff0c\u7eb3\u65af\u8fbe\u514b100\u7b49\uff09\uff0c\u5e76\u4e14\u73b0\u91d1\u503c\u4fdd\u672c\uff0c\u5c31\u7b97\u6307\u6570\u8dcc\u4e86\uff0c\u4e5f\u53ef\u4ee5\u5f97\u52300-2%\u5de6\u53f3\u7684\u6536\u76ca\u3002\u73b0\u91d1\u503c\u53ef\u4ee5\u968f\u65f6\u501f\u94b1\u51fa\u6765\u3002<\/p>\n<ul>\n<li>\u4f18\u70b9\uff1a\u4fdd\u672c\uff0c\u4fdd\u8d39\u7075\u6d3b\u6027\u9ad8\uff0c\u514d\u7a0e\u9000\u4f11\u529f\u80fd<\/li>\n<li>\u7f3a\u70b9\uff1a\u6295\u8d44\u5e74\u6536\u76ca\u7387\u4e0d\u4fdd\u969c\uff0c\u56de\u62a5\u53ef\u80fd\u6709\u4e0a\u9650<\/li>\n<\/ul>\n<p><strong><em>\u3010\u5982\u4f55\u505a\u51b3\u5b9a\u5462\uff1f\u3011<\/em><\/strong><\/p>\n<p>\u770b\u5b8c\u4e0a\u9762\u7684\u6bd4\u8f83\uff0c\u60f3\u5fc5\u60a8\u5fc3\u91cc\u5e94\u8be5\u6709\u4e00\u5b9a\u6570\u4e86\uff0c\u5176\u5b9e\u6ca1\u6709\u54ea\u4e00\u79cd\u4eba\u5bff\u4fdd\u9669\u662f\u7edd\u5bf9\u597d\u7684\uff0c\u53ea\u6709\u9002\u5408\u60a8\u7684\u3002\u7ed3\u5408\u60a8\u7684\u7ecf\u6d4e\u60c5\u51b5\uff0c\u5bb6\u5ead\u7ed3\u6784\uff0c\u4fdd\u969c\u9700\u6c42<strong>\uff08\u662f\u53ea\u9700\u8981\u4fdd\u969c\uff0c\u8fd8\u662f\u9700\u8981\u52a0\u4e0a\u9000\u4f11\u89c4\u5212\uff0c\u8fd8\u662f\u9700\u8981\u505a\u9ad8\u9636\u7684\u8d44\u4ea7\u4f20\u627f\u548c\u914d\u7f6e\uff1f\uff09<\/strong>\uff0c\u66f4\u91cd\u8981\u7684\u662f\u8bf7\u4e13\u4e1a\u91d1\u878d\u5bff\u9669\u4eba\u58eb\u6765\u5e2e\u60a8\u5206\u6790\u89e3\u7b54\uff0c\u4ee5\u4fbf\u505a\u51fa\u6700\u9002\u5408\u60a8\u7684\u9009\u62e9\u3002<strong>\u00a0<\/strong><\/p>\n<p><strong>\u6211\u4eec\u7f8e\u56fd\u5965\u6dc7\u56fd\u9645\u91d1\u878d<\/strong><strong>\/<\/strong><strong>\u7f8e\u56fd\u5b8f\u76db\u4fdd\u9669\u4e0e\u7406\u8d22\u516c\u53f8\u62e5\u6709<\/strong><strong>4000<\/strong><strong>\u591a\u540d\u719f\u6089\u8d22<\/strong><strong>\u00a0 <\/strong><strong>\u52a1\u7ba1\u7406\u53ca\u4fdd\u9669\u4e0e\u7406\u8d22\u7684\u9ad8\u7aef\u4e13\u4e1a\u4eba\u58eb\uff0c\u5728\u5168\u7f8e<\/strong><strong>20<\/strong><strong>\u4e2a\u5206\u516c\u53f8\u4e3a\u60a8\u63d0\u4f9b\u6700\u5b8c\u5584\u7684\u4e13\u4e1a\u670d\u52a1\uff0c\u6b22\u8fce\u968f\u65f6\u8054\u7cfb\u6211\u4eec\u3002<\/strong><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-328821\" src=\"http:\/\/icitynews.com.cn\/wp-content\/uploads\/2022\/06\/Picture3-800x450.jpg\" alt=\"\" width=\"800\" height=\"450\" srcset=\"https:\/\/icitynews.com.cn\/wp-content\/uploads\/2022\/06\/Picture3-800x450.jpg 800w, https:\/\/icitynews.com.cn\/wp-content\/uploads\/2022\/06\/Picture3-1024x576.jpg 1024w, https:\/\/icitynews.com.cn\/wp-content\/uploads\/2022\/06\/Picture3-768x432.jpg 768w, https:\/\/icitynews.com.cn\/wp-content\/uploads\/2022\/06\/Picture3-600x337.jpg 600w, https:\/\/icitynews.com.cn\/wp-content\/uploads\/2022\/06\/Picture3.jpg 1430w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/p>\n<p class=\"post-copyright\">\u672a\u7ecf\u5141\u8bb8\u4e0d\u5f97\u8f6c\u8f7d\uff1a<a href=\"https:\/\/icitynews.com\">\u57ce\u5e02\u65b0\u95fb\u7f51icitynews<\/a> &raquo; <a href=\"https:\/\/icitynews.com\/?p=328817\">\u5b9a\u671f\u5bff\u9669VS\u6c38\u4e45\u5bff\u9669!<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>\u5b9a\u671f\u5bff\u9669VS\u6c38\u4e45\u5bff\u9669! \u81ea\u4ece\u75ab\u60c5\u4ee5\u6765\uff0c\u5927\u5bb6\u5bf9\u4e8e\u4eba\u5bff\u4fdd\u9669\u7684\u9700\u6c42\u4ee5\u53ca\u91cd\u89c6\u5ea6\u8d8a\u6765\u8d8a\u9ad8\uff0c\u4eba\u5bff\u4fdd\u9669\u53ef\u518d\u4e0d\u5e78\u53d1\u751f\u65f6\u4e3a\u60a8\u7684\u5bb6\u4eba\u63d0\u4f9b\u4fdd\u969c\u662f\u6bcb\u5eb8\u7f6e\u7591\u7684\uff0c\u4f46\u9009\u62e9\u4ec0\u4e48\u7c7b\u578b\u7684\u4eba\u5bff\u4fdd\u9669\u5374\u662f\u5f88\u591a\u4eba\u6bd4\u8f83\u56f0\u60d1\u7684\uff0c\u4eca\u5929\u8fd9\u7bc7\u6587\u7ae0\uff0c\u5e0c\u671b\u53ef 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