{"id":351881,"date":"2023-05-01T12:12:11","date_gmt":"2023-05-01T19:12:11","guid":{"rendered":"https:\/\/icitynews.com\/?p=351881"},"modified":"2023-05-01T12:12:11","modified_gmt":"2023-05-01T19:12:11","slug":"%e6%96%b0%e6%97%b6%e6%9c%9f-%e6%96%b0%e7%8e%af%e5%a2%83-%e6%96%b0%e6%9c%ba%e4%bc%9a","status":"publish","type":"post","link":"https:\/\/icitynews.com\/?p=351881","title":{"rendered":"\u65b0\u65f6\u671f \u65b0\u73af\u5883 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\u4ece8.8%\u52303.5%\uff0c20\u5e74\u5386\u7ecf\u4e86\u4e09\u5927\u9636\u6bb5\u53d8\u8fc1\u3002\u4ece2019\u5e74\u5e74\u5e95\u5de6\u53f3\u5230\u73b0\u5728\uff0c4\u5e74\u4e0d\u5230\u7684\u65f6\u95f4\uff0c3.5%\u4e5f\u4e0d\u4fdd\u4e86\uff0c\u5728\u4e0d\u8003\u8651\u5176\u5b83\u56e0\u7d20\u7684\u524d\u63d0\u4e0b\uff0c\u4fdd\u9669\u4ea7\u54c1\u7684\u9884\u5b9a\u5229\u7387\u4ece3.5%\u4e0b\u8c03\u4e3a3%\uff0c\u4f1a\u4ea7\u751f\u7684\u5f71\u54cd\uff1a<\/p>\n<p><strong>1<\/strong><strong>\u3001\u50a8\u84c4\u578b\u4fdd\u9669\u4ea7\u54c1\u7684\u6536\u76ca\u4f1a\u4e0b\u964d<\/strong><\/p>\n<p>\u4ea7\u54c1\u7684\u9884\u5b9a\u5229\u7387\u8d8a\u4f4e\uff0c\u4e00\u5b9a\u4fdd\u8d39\u5728\u4fdd\u9669\u516c\u53f8\u6240\u80fd\u83b7\u5f97\u7684\u5229\u76ca\u8d8a\u4f4e\uff1b<\/p>\n<p>\u5982\u589e\u989d\u5bff\uff0c\u540c\u4e00\u4e2a\u4ea7\u54c1\uff0c\u540c\u6837\u662f5\u4e07*10\u5e74\u4ea4\uff0c\u9884\u5b9a\u5229\u7387\u4e3a3%\u8ba1\u7b97\u51fa\u6765\u7684\u5229\u76ca\uff0c\u4f1a\u6bd4\u9884\u5b9a\u5229\u7387\u4e3a3.5%\u8ba1\u7b97\u51fa\u6765\u7684\u4f4e\u3002<\/p>\n<ul>\n<li><strong>\u4fdd\u969c\u578b\u4fdd\u9669\u4ea7\u54c1\u7684\u4fdd\u8d39\u4f1a\u4e0a\u6da8<\/strong><\/li>\n<\/ul>\n<p><strong>\u00a0<\/strong><\/p>\n<ul>\n<li><strong>\u7f8e\u56fd\u5bff\u9669\u6700\u65b0\u8c03\u6574<\/strong><\/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)\u00a0\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<\/p>\n<p>AG49-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\u5408\u7406\u7684\u6f14\u793a\uff0c\u53ef\u80fd\u4f1a\u5f71\u54cd\u8fd9\u4e9b\u4ea7\u54c1\u7684\u9500\u552e\u65b9\u5f0f\u3002<\/p>\n<p>\u8fd9\u4e9b\u63aa\u65bd\u90fd\u8868\u73b0\u51fa\u7f8e\u56fd\u4eba\u5bff\u4fdd\u9669\u76d1\u7ba1\u5236\u5ea6\u7684\u4e25\u683c\uff0c\u66f4\u6709\u5229\u4e8e\u4fdd\u969c\u6295\u4fdd\u4eba\u7684\u6743\u76ca\u3002<\/p>\n<ul>\n<li><strong>\u7f8e\u56fd\u5bff\u9669\u7684\u4f18\u52bf<\/strong><\/li>\n<\/ul>\n<ol>\n<li>\u5065\u5168\u7684\u4fdd\u9669\u5e02\u573a\u5236\u5ea6<\/li>\n<li>\u516c\u5f00\u900f\u660e\u7684\u7406\u8d54\u7a0b\u5e8f<\/li>\n<li>\u4ef7\u683c\u7684\u4f18\u52bf<\/li>\n<li>\u7b80\u6613\u7684\u514d\u8d23\u6761\u6b3e<\/li>\n<li>\u4fdd\u9669\u5386\u53f2\u60a0\u4e45<\/li>\n<li>\u4ea7\u54c1\u79cd\u7c7b\u4e30\u5bcc\u3001\u5148\u8fdb\u72ec\u7279<\/li>\n<li>\u4ef7\u683c\u6760\u6746\u6bd4\u9ad8<\/li>\n<li>\u53c2\u7167\u6307\u6570\u591a\u6837\u5316<\/li>\n<li>\u7a0e\u52a1\u89c4\u5212\u4e2d\u7684\u91cd\u8981\u89d2\u8272<\/li>\n<\/ol>\n<ul>\n<li><strong>\u8d74\u7f8e\u6295\u4fdd<\/strong><\/li>\n<\/ul>\n<p>\u4e2d\u56fd\u5916\u4ea4\u90e8\u53d1\u8a00\u4eba\u4ecb\u7ecd\uff0c\u81ea4\u670829\u65e5\u8d77\uff0c\u6240\u6709\u6765\u534e\u4eba\u5458\u53ef\u4ee5\u767b\u673a\u524d48\u5c0f\u65f6\u5185\u6297\u539f\u68c0\u6d4b\u4ee3\u66ff\u6838\u9178\u68c0\u6d4b\uff0c\u822a\u7a7a\u516c\u53f8\u4e0d\u518d\u67e5\u9a8c\u767b\u673a\u524d\u68c0\u6d4b\u8bc1\u660e\u3002\u8d74\u7f8e\u6295\u4fdd\u5c06\u66f4\u52a0\u4fbf\u6377\u3002<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-351883\" src=\"https:\/\/icitynews.com\/wp-content\/uploads\/2023\/05\/1-800x438.jpg\" alt=\"\" width=\"800\" height=\"438\" srcset=\"https:\/\/icitynews.com.cn\/wp-content\/uploads\/2023\/05\/1-800x438.jpg 800w, https:\/\/icitynews.com.cn\/wp-content\/uploads\/2023\/05\/1-1024x561.jpg 1024w, https:\/\/icitynews.com.cn\/wp-content\/uploads\/2023\/05\/1-768x421.jpg 768w, https:\/\/icitynews.com.cn\/wp-content\/uploads\/2023\/05\/1-600x329.jpg 600w, https:\/\/icitynews.com.cn\/wp-content\/uploads\/2023\/05\/1.jpg 1144w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/>\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<\/p>\n<p>\u5982\u679c\u60a8\u5bf9\u4e2d\u7f8e\u4eba\u5bff\u4fdd\u9669\u7684\u533a\u522b\u53ca\u8d74\u7f8e\u6295\u4fdd\u7684\u5177\u4f53\u6d41\u7a0b\u6709\u7591\u95ee\uff0c\u6b22\u8fce\u8054\u7cfb\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 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