{"id":351138,"date":"2023-04-21T16:11:57","date_gmt":"2023-04-21T23:11:57","guid":{"rendered":"https:\/\/icitynews.com\/?p=351138"},"modified":"2023-04-21T16:11:57","modified_gmt":"2023-04-21T23:11:57","slug":"%e6%8c%87%e6%95%b0%e5%9e%8b%e4%b8%87%e8%83%bd%e5%af%bf%e9%99%a9%e6%96%b0%e7%9b%91%e7%ae%a1%e6%9d%a1%e4%be%8b%e5%8d%b3%e5%b0%86%e5%88%b0%e6%9d%a5","status":"publish","type":"post","link":"https:\/\/icitynews.com\/?p=351138","title":{"rendered":"\u6307\u6570\u578b\u4e07\u80fd\u5bff\u9669\u65b0\u76d1\u7ba1\u6761\u4f8b\u5373\u5c06\u5230\u6765"},"content":{"rendered":"<ul>\n<li>AG 49\u6cd5\u6848\u6700\u65b0\u8c03\u6574\uff1a<\/li>\n<\/ul>\n<p>\u81ea 2023 \u5e74 5 \u6708 1 \u65e5\u8d77\uff0c\u6307\u6570\u578b\u4e07\u80fd\u5bff\u9669 (IUL) \u7684\u6f14\u793a\u65b9\u6cd5\u5c06\u518d\u6b21\u53d1\u751f\u53d8\u5316\u3002\u8fd9\u662fActuarial Guideline 49 (AG49) \u7cbe\u7b97\u6307\u5357\u4e2d\u7684\u6700\u65b0\u4e00\u7248\uff0c\u8fd9\u5c06\u662f\u7f8e\u56fd\u56fd\u5bb6\u4fdd\u9669\u59d4\u5458\u4f1a(NAIC) \u6839\u636e AG49 \u5b9e\u65bd\u7684\u7b2c\u4e09\u6b21IUL\u6f14\u793a\u66f4\u6539\u3002<br \/>\nAG49-A\u201c2.0 \u7248\u201d\u5c06\u6709\u6548\u5730\u505c\u6b62\u5728\u6f14\u793a\u4e2d\u589e\u52a0\u989d\u5916\u7d2f\u79ef\u4ef7\u503c\u7684\u5956\u91d1\u548c\u4e58\u6570\u3002\u8fd9\u9879\u4e3e\u63aa\u5c06\u53c8\u4e00\u6b21\u5c06IUL\u7684\u8ba1\u5212\u4e66\u8f6c\u5411\u66f4\u4fdd\u5b88\u7684\u6f14\u793a\uff0c\u53ef\u80fd\u4f1a\u5f71\u54cd\u8fd9\u4e9b\u4ea7\u54c1\u7684\u9500\u552e\u65b9\u5f0f\u3002<\/p>\n<ul>\n<li>AG 49\u6cd5\u6848\u7684\u7531\u6765:<\/li>\n<\/ul>\n<p>\u591a\u5e74\u6765\uff0c\u6307\u6570\u578b\u4e07\u80fd\u5bff\u9669\uff08IUL\uff09\u7684\u6f14\u793a\u53d8\u5f97\u6108\u52a0\u590d\u6742\uff0c\u56e0\u4e3a\u5b83\u8bd5\u56fe\u901a\u8fc7\u589e\u52a0\u4e00\u4e9b\u7ea2\u5229\u3001\u8d39\u7528\u4e0a\u7684\u8c03\u6574\u548c\u5956\u91d1\u6765\u6f14\u793a\u66f4\u9ad8\u7684\u56de\u62a5\u7387\u548c\u4fdd\u5355\u7684\u4ef7\u503c\u3002\u81ea IUL \u4ea7\u54c1\u8bde\u751f\u4ee5\u6765\uff0c\u4e1a\u754c\u4e00\u76f4\u5728\u52aa\u529b\u5bfb\u627e\u5728\u6f14\u793a\u4fdd\u5355\u7684\u9884\u671f\u56de\u62a5\u7684\u6700\u9002\u5f53\u65b9\u5f0f\u3002<br \/>\nAG 49\u662f\u7f8e\u56fd\u56fd\u5bb6\u4fdd\u9669\u59d4\u5458\u4f1a\uff08NAIC\uff09\u53d1\u5e03\u7684\u4e00\u9879\u51c6\u5219\uff0c\u6700\u65e9\u7684AG 49 \u6cd5\u89c4(Actuarial Guideline 49)\u662f\u4e8e2015\u5e749\u67081\u65e5\u8d77\u5f00\u59cb\u65bd\u884c\u7684\uff0c\u76ee\u524d\u5df2\u5728\u7f8e\u56fd\u591a\u4e2a\u5dde\u5f97\u5230\u5b9e\u65bd\u3002\u65e8\u5728\u7edf\u4e00\u89c4\u8303\u7f8e\u56fd\u4eba\u5bff\u4fdd\u9669\u516c\u53f8\u6f14\u793a\u5176\u4fdd\u9669\u4ea7\u54c1\uff0c\u4ee5\u5229\u4e8e\u6295\u4fdd\u4eba\u7406\u89e3\u6307\u6570\u7b56\u7565\u53ca\u6f5c\u5728\u6ce2\u52a8\u6027\u3002<\/p>\n<ul>\n<li>\u00a0IUL \u4ea7\u54c1\u76d1\u7ba1\u7684\u6838\u5fc3\u6311\u6218<\/li>\n<\/ul>\n<p>\u4e0b\u56fe\u6536\u96c6\u4e86\u8fd115 \u5e74\u4ee5\u6765\u6807\u51c6\u666e\u5c14\u7684\u8868\u73b0\u4e0e IUL \u9886\u57df\u4e3b\u8981\u4ea7\u54c1\u7684\u5b9e\u9645\u6307\u6570\u8868\u73b0\uff1a<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-351139\" src=\"https:\/\/icitynews.com\/wp-content\/uploads\/2023\/04\/111.jpg\" alt=\"\" width=\"749\" height=\"282\" srcset=\"https:\/\/icitynews.com.cn\/wp-content\/uploads\/2023\/04\/111.jpg 749w, https:\/\/icitynews.com.cn\/wp-content\/uploads\/2023\/04\/111-600x226.jpg 600w\" sizes=\"auto, (max-width: 749px) 100vw, 749px\" \/>\u5728\u8fd9 15 \u5e74\u671f\u95f4\uff0cIUL \u5e73\u5747\u6307\u6570\u4e3a 7.84%\uff0c\u4f46\u76ee\u524d\u7684\u76d1\u7ba1\u53ef\u80fd\u4f1a\u5c06\u6f14\u793a\u9650\u5236\u5728 5.5% &#8211; 6.5% \u7684\u8303\u56f4\u5185\u3002\u867d\u7136\u6307\u6570\u7684\u4e0a\u9650\u88ab\u4e0b\u964d\uff0c\u4f46\u5e73\u5747\u6307\u6570\u56de\u62a5\u7387\u5df2\u7ecf\u8d85\u8fc7\u4e86\u6bcf\u4e00\u4e2a\u6700\u5927\u7684\u76d1\u7ba1\u5efa\u8bae\u7684\u6f14\u793a\u5229\u7387\u3002<\/p>\n<ul>\n<li>AG 49\u6cd5\u6848\u5bf9\u4e8eIUL\u6f14\u793a\u7684\u5f71\u54cd<\/li>\n<\/ul>\n<p>\u5047\u8bbe\u5728\u8fc7\u53bb25\u5e74\u5185\u7528\u4e00\u4e2acap+floor\uff08\u5c01\u9876 + \u4fdd\u5e95\uff09\u7684\u7b56\u7565\u8ffd\u8e2a\u4e00\u4e2a\u6bcf\u5e74\u7ed3\u7b97\u7684\u70b9\u5bf9\u70b9 S&amp;P500\u6307\u6570\uff0c\u8fd9\u4e2a\u7b56\u7565\u7684\u5e74\u5e73\u5747\u6536\u76ca\u7387\u5c31\u662f\u6f14\u793a\u4e0a\u53ef\u7528\u7684\u6700\u9ad8\u6536\u76ca\u7387\u3002\u5982\u679c\u4fdd\u5355\u7684\u6f14\u793a\u663e\u793a\u4e86Participating loan\uff08\u53c2\u4e0e\u8d37\u6b3e\uff09\u3002\u90a3\u4e48\u6536\u53d6\u7684\u5229\u606f\u548c\u8fd4\u5229\u7684\u6536\u76ca(charged and credited rate)\u4e4b\u95f4\u7684\u5dee\u4e0d\u80fd\u8d85\u8fc750\u4e2a\u57fa\u51c6\u70b9(i.e\uff0c\u4e5f\u5c31\u662f0.5%)\u3002\u8fd9\u9632\u6b62\u4e86\u8ba9\u4eba\u5bff\u4fdd\u9669\u7684\u4fdd\u5355\u770b\u8d77\u6765\u50cf\u4e00\u4e2a\u5957\u5229\u7684\u201c\u7ae5\u8bdd\u6545\u4e8b\u201d\u3002\u6240\u6709\u7684\u76d1\u7ba1\u6761\u4f8b\u90fd\u662f\u5229\u76ca\u65b9\u6fc0\u70c8\u535a\u5f08\u7684\u7ed3\u679c\uff0c\u5b58\u5728\u7070\u8272\u5730\u5e26\u5728\u6240\u96be\u514d\u3002\u8fd9\u4e2a0.5%\u80cc\u540e\u5176\u5b9e\u8fd8\u6709\u4e9b\u64cd\u4f5c\u7a7a\u95f4\u7559\u7ed9\u4e86\u4fdd\u9669\u516c\u53f8\uff0c\u56e0\u6b64\u6cd5\u6848\u5728\u6700\u5927\u7a0b\u5ea6\u907f\u514d\u8fd9\u4e9b\u4e8b\u4ef6\u4ee5\u4fdd\u62a4\u6295\u4fdd\u4eba\u7684\u6743\u76ca\u3002<br \/>\n\u57282020\u5e74\u6539\u9769\u540e\u7684AG 49\u6cd5\u89c4\u4f53\u73b0\u5728\u4e09\u65b9\u9762\uff1a\u89c4\u8303\u4e86\u6307\u6570\u578b\u4e07\u80fd\u5bff\u9669\u4ea7\u54c1\u6240\u80fd\u6f14\u793a\u7684\u56de\u62a5\u7387\u7684\u6700\u9ad8\u503c\uff1b\u89c4\u8303\u4e86\u53c2\u4e0e\u501f\u8d37\u5229\u7387\u7684\u4f7f\u7528\uff1b\u8981\u6c42\u5411\u6295\u4fdd\u4eba\u62ab\u9732\u66f4\u591a\u7684\u544a\u77e5\u4e8b\u9879\u3002\u800c\u57282023\u5e74\u4e94\u6708\u7684\u7b2c\u4e09\u6b21\u8c03\u6574\u66f4\u65b0\u4e4b\u540e\uff0c\u5c06\u66f4\u6ce8\u91cd\u5bf9\u4e8eIUL\u6f14\u793a\u4e2dFixed Bonus\uff08\u56fa\u5b9a\u5956\u91d1\uff09\u7684\u9650\u5236\u3002<br \/>\n\u9700\u8981\u6ce8\u610f\u7684\u662f\uff0cAG49\u6cd5\u6848\u7684\u66f4\u65b0\u5bf9\u5df2\u7ecf\u751f\u6548\u7684\u4fdd\u5355\u6301\u6709\u4eba\u6ca1\u6709\u4efb\u4f55\u5f71\u54cd\uff0c\u4e14\u5bf9\u4e8e\u4ea7\u54c1\u672c\u8eab\u7684\u7279\u6027\u6ca1\u6709\u4efb\u4f55\u5f71\u54cd\u3002<\/p>\n<ul>\n<li>\u5e26\u7ed9\u4eba\u5bff\u4fdd\u9669\u76f8\u5173\u4ece\u4e1a\u4eba\u5458\u7684\u5f71\u54cd\uff1a<\/li>\n<\/ul>\n<p>\u76d1\u7ba1\u672c\u8d28\u4e0a\u662f\u5728\u8feb\u4f7f\u884c\u4e1a\u964d\u4f4e\u5bf9\u4e8e\u4ea7\u54c1\u56de\u62a5\u7684\u627f\u8bfa\uff0c\u4f46\u800c\u4ece\u957f\u8fdc\u6765\u770b\uff0c\u4ea7\u54c1\u53ef\u80fd\u4f1a\u8868\u73b0\u5730\u66f4\u52a0\u51fa\u8272\u3002\u867d\u7136\u76d1\u7ba1\u5c06\u9650\u5236\u4fdd\u9669\u516c\u53f8IUL\u4ea7\u54c1\u7684\u5c55\u793a\u6f5c\u529b\uff0c\u4f46\u5ba2\u6237\u53ef\u80fd\u4f1a\u66f4\u52a0\u770b\u597d IUL\uff0c\u56e0\u4e3a\u4ea7\u54c1\u7684\u5b9e\u9645\u8868\u73b0\u4f18\u4e8e\u9884\u671f\u503c\u3002<br \/>\n\u50cf\u4e00\u4e9b\u975e\u4fdd\u8bc1\u7684\u7ea2\u5229\u3001\u4e58\u6570\u6216\u5177\u6709\u7684\u589e\u52a0\u4fdd\u5355\u6536\u76ca\u7684\u529f\u80fd\u7684\u8d44\u8baf, \u4e0d\u80fd\u5728\u5efa\u8bae\u4e66\u4e0a\u663e\u793a, \u4f46\u91d1\u878d\u4fdd\u9669\u4ece\u4e1a\u4eba\u5458\u4e5f\u53ef\u4ee5\u8ba9\u5ba2\u4eba\u77e5\u9053\u4fdd\u5355\u5185\u6709\u76f8\u5173\u529f\u80fd\u3002\u73b0\u5728\u5e02\u573a\u4e0a\u6240\u6709\u7684\u6307\u6570\u578b\u4eba\u5bff\u4fdd\u9669\u4ea7\u54c1\u7684\u6f14\u7b97\u548c\u4fdd\u9669\u5efa\u8bae\u4e66\uff0c\u90fd\u5c06\u6309\u7167AG49\u7684\u89c4\u5b9a\u628a\u6f14\u793a\u5229\u7387\u8fdb\u884c\u8c03\u6574\uff0c\u5728\u9500\u552e\u8fc7\u7a0b\u4e2d\u5c06\u53d8\u5f97\u66f4\u52a0\u5408\u7406\u3002<\/p>\n<ul>\n<li>\u5e26\u7ed9\u6295\u4fdd\u4eba\u7684\u53cd\u601d:<\/li>\n<\/ul>\n<p>AG49\u5bf9\u4e8e\u6295\u4fdd\u4eba\u6765\u8bf4\uff0c\u5728\u8fdb\u884c\u7533\u8bf7\u4fdd\u5355\u7684\u51b3\u7b56\u65f6\uff0c\u53ef\u4ee5\u770b\u5230\u66f4\u52a0\u4fdd\u5b88\u7684\u4fdd\u9669\u5efa\u8bae\u4e66\uff0c\u610f\u5473\u7740\u66f4\u4f4e\u7684\u98ce\u9669\u548c\u66f4\u9ad8\u7684\u8fbe\u6210\u673a\u7387\u3002\u4f46\u6211\u4eec\u540c\u65f6\u4e5f\u8981\u6ce8\u610f\u4ee5\u4e0b\u95ee\u9898\uff1a<\/p>\n<p>1. \u5bf9\u4ea7\u54c1\u7684\u6df1\u5165\u7814\u7a76\uff1a\u6295\u4fdd\u4eba\u9700\u8981\u66f4\u52a0\u6df1\u5165\u5730\u7814\u7a76IUL\u4ea7\u54c1\uff0c\u5305\u62ec\u4e86\u89e3\u4ea7\u54c1\u7684\u8fd0\u4f5c\u65b9\u5f0f\u3001\u98ce\u9669\u548c\u6536\u76ca\u6f5c\u529b\uff0c\u4ee5\u53ca\u8ba1\u7b97\u5229\u7387\u548c\u4fdd\u9669\u8d39\u7528\u7684\u5177\u4f53\u65b9\u6cd5\u548c\u53c2\u6570\u7b49\u3002\u53ea\u6709\u5145\u5206\u4e86\u89e3\u4ea7\u54c1\u7684\u7279\u70b9\u548c\u98ce\u9669\uff0c\u624d\u80fd\u505a\u51fa\u660e\u667a\u7684\u6295\u8d44\u51b3\u7b56\u3002<\/p>\n<p>2. \u6ce8\u91cd\u98ce\u9669\u7ba1\u7406\uff1a\u6211\u4eec\u9700\u8981\u66f4\u52a0\u6ce8\u91cd\u98ce\u9669\u7ba1\u7406\uff0c\u5c24\u5176\u662f\u5728\u9009\u62e9IUL\u4ea7\u54c1\u65f6\u3002AG49\u6cd5\u6848\u89c4\u5b9a\u4e86\u4fdd\u9669\u516c\u53f8\u5fc5\u987b\u9075\u5b88\u7684\u4e00\u7cfb\u5217\u98ce\u9669\u63a7\u5236\u63aa\u65bd\uff0c\u4f46\u6211\u4eec\u81ea\u5df1\u4e5f\u9700\u8981\u5bf9\u98ce\u9669\u6709\u5145\u5206\u7684\u8ba4\u8bc6\uff0c\u5e76\u91c7\u53d6\u76f8\u5e94\u7684\u6295\u8d44\u7b56\u7565\u6765\u7ba1\u7406\u98ce\u9669\u3002<\/p>\n<p>3. \u591a\u6837\u5316\u7406\u8d22\u7ec4\u5408\uff1a\u6211\u4eec\u9700\u8981\u5c06IUL\u4ea7\u54c1\u4f5c\u4e3a\u7406\u8d22\u7ec4\u5408\u4e2d\u7684\u4e00\u4e2a\u7ec4\u6210\u90e8\u5206\uff0c\u800c\u4e0d\u662f\u5168\u90e8\u8d44\u4ea7\u7684\u552f\u4e00\u6765\u6e90\u3002\u591a\u6837\u5316\u7406\u8d22\u7ec4\u5408\u53ef\u4ee5\u964d\u4f4e\u6295\u8d44\u98ce\u9669\uff0c\u540c\u65f6\u63d0\u4f9b\u66f4\u591a\u7684\u9009\u62e9\u548c\u7075\u6d3b\u6027\uff0c\u4ee5\u6ee1\u8db3\u4e0d\u540c\u7684\u8d22\u52a1\u76ee\u6807\u548c\u98ce\u9669\u627f\u53d7\u80fd\u529b\u3002<\/p>\n<p>\uff08\u6ce8\uff1a\u90e8\u5206\u8d44\u6599\u6765\u6e90\u4e8e\u516c\u5171\u7f51\u7edc\u6216\u516c\u5171\u8d44\u6e90\uff0c\u5982\u6709\u4fb5\u6743\u8bf7\u53ca\u65f6\u8054\u7cfb\u672c\u516c\u53f8\uff0c\u4ee5\u4fbf\u53ca\u65f6\u4fee\u6b63\u5904\u7406\uff09<br \/>\n\u5982\u679c\u60a8\u5bf9\u65b0\u6cd5\u6848\u5b9e\u65bd\u540e\u5404\u5bb6\u516c\u53f8\u4ea7\u54c1\u6f14\u793a\u7684\u8c03\u6574\u653f\u7b56\u6709\u4efb\u4f55\u7591\u95ee\uff0c\u6b22\u8fce\u54a8\u8be2\u6211\u4eec\uff01\u6211\u4eec\u7f8e\u56fd\u5965\u6dc7\u56fd\u9645\u91d1\u878d\/\u7f8e\u56fd\u5b8f\u76db\u4fdd\u9669\u4e0e\u7406\u8d22\u516c\u53f8\u62e5\u67094000\u591a\u540d\u719f\u6089\u8d22\u52a1\u7ba1\u7406\u53ca\u4fdd\u9669\u4e0e\u7406\u8d22\u7684\u9ad8\u7aef\u4e13\u4e1a\u4eba\u58eb\uff0c\u5728\u5168\u7f8e20\u4e2a\u5206\u516c\u53f8\u4e3a\u60a8\u63d0\u4f9b\u6700\u5b8c\u5584\u7684\u4e13\u4e1a\u670d\u52a1\uff0c\u5982\u679c\u60a8\u6709\u7a0e\u52a1\u548c\u7406\u8d22\u89c4\u5212\u76f8\u5173\u95ee\u9898\uff0c\u6b22\u8fce\u968f\u65f6\u8054\u7cfb\u6211\u4eec\u3002<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-351140\" src=\"https:\/\/icitynews.com\/wp-content\/uploads\/2023\/04\/2222.png\" alt=\"\" width=\"628\" height=\"355\" 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