{"id":353744,"date":"2023-05-19T16:35:41","date_gmt":"2023-05-19T23:35:41","guid":{"rendered":"https:\/\/icitynews.com\/?p=353744"},"modified":"2023-05-19T16:35:41","modified_gmt":"2023-05-19T23:35:41","slug":"%e5%a6%82%e4%bd%95%e9%81%bf%e5%85%8d%e4%ba%ba%e5%af%bf%e4%bf%9d%e5%8d%95%e5%a4%b1%e6%95%88%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/icitynews.com\/?p=353744","title":{"rendered":"\u5982\u4f55\u907f\u514d\u4eba\u5bff\u4fdd\u5355\u5931\u6548\uff1f"},"content":{"rendered":"<p>\u5927\u5bb6\u5728\u8d2d\u4e70\u4eba\u5bff\u4fdd\u9669\u7684\u65f6\u5019\u7ecf\u5e38\u4f1a\u601d\u8003\u4e00\u4e2a\u91cd\u8981\u7684\u95ee\u9898\uff0c\u90a3\u5c31\u662f\u4eba\u5bff\u4fdd\u5355\u4f1a\u4e0d\u4f1a\u5931\u6548\uff08Lapse\uff1a\u6307\u7684\u662f\u4fdd\u5355\u5931\u6548\u6216\u7ec8\u6b62\u7684\u60c5\u51b5\u3002\u5f53\u4fdd\u5355\u5904\u4e8e\u5931\u6548\u72b6\u6001\u65f6\uff0c\u4fdd\u9669\u516c\u53f8\u5c06\u4e0d\u518d\u627f\u62c5\u4fdd\u9669\u8d23\u4efb\uff0c\u5c06\u65e0\u6cd5\u4eab\u53d7\u5230\u4fdd\u5355\u6240\u63d0\u4f9b\u7684\u4fdd\u9669\u4fdd\u969c\u548c\u798f\u5229\u3002\uff09\u6211\u4eec\u5c06\u4e3a\u5927\u5bb6\u8bf4\u660e\u5982\u4f55\u907f\u514d\u4fdd\u5355\u5931\u6548\uff0c\u4ee5\u53ca\u5982\u4f55\u5173\u6ce8\u4fdd\u5355\u7684\u52a8\u6001\u3002<\/p>\n<ul>\n<li><strong>\u53ef\u80fd\u5bfc\u81f4\u4eba\u5bff\u4fdd\u9669\u4fdd\u5355\u5931\u6548\u6216\u7ec8\u6b62\u7684\u60c5\u51b5<\/strong><\/li>\n<\/ul>\n<ol>\n<li><strong>\u672a\u652f\u4ed8\u4fdd\u8d39<\/strong>\uff1a\u5982\u679c\u60a8\u672a\u6309\u65f6\u652f\u4ed8\u4fdd\u8d39\uff0c\u4fdd\u9669\u516c\u53f8\u53ef\u80fd\u4f1a\u5728\u7279\u5b9a\u671f\u9650\u5185\u53d6\u6d88\u60a8\u7684\u4fdd\u5355\u3002\u901a\u5e38\uff0c\u5728\u5931\u6548\u4e4b\u524d\uff0c\u4fdd\u9669\u516c\u53f8\u4f1a\u7ed9\u4e88\u60a8\u4e00\u5b9a\u7684\u5bbd\u9650\u671f\uff0c\u4ee5\u4fbf\u60a8\u652f\u4ed8\u6b20\u6b3e\u3002<\/li>\n<li><strong>\u7ec8\u6b62\u4fdd\u5355<\/strong>\uff1a\u4fdd\u5355\u6301\u6709\u4eba\u53ef\u4ee5\u4e3b\u52a8\u9009\u62e9\u7ec8\u6b62\u4fdd\u5355\uff0c\u4f8b\u5982\u56e0\u4e3a\u4e0d\u518d\u9700\u8981\u4fdd\u9669\u4fdd\u969c\u3001\u8f6c\u6295\u5176\u4ed6\u4fdd\u9669\u8ba1\u5212\u6216\u8d22\u52a1\u539f\u56e0\u3002<\/li>\n<li><strong>\u6b3a\u8bc8\u6216\u6545\u610f\u9690\u7792\u4fe1\u606f<\/strong>\uff1a\u5982\u679c\u60a8\u5728\u7533\u8bf7\u4eba\u5bff\u4fdd\u9669\u65f6\u6545\u610f\u63d0\u4f9b\u865a\u5047\u4fe1\u606f\u6216\u6545\u610f\u9690\u7792\u4e0e\u4fdd\u9669\u516c\u53f8\u91cd\u8981\u7684\u4fe1\u606f\uff08\u5982\u5065\u5eb7\u72b6\u51b5\u3001\u804c\u4e1a\u98ce\u9669\u7b49\uff09\uff0c\u4fdd\u9669\u516c\u53f8\u53ef\u80fd\u4f1a\u5ba3\u5e03\u4fdd\u5355\u65e0\u6548\u3002<\/li>\n<li><strong>\u8fdd\u53cd\u5408\u540c\u89c4\u5b9a<\/strong>\uff1a\u4fdd\u9669\u5408\u540c\u901a\u5e38\u5305\u542b\u4e00\u4e9b\u89c4\u5b9a\u548c\u9650\u5236\uff0c\u5982\u5728\u7279\u5b9a\u65f6\u95f4\u5185\u4e0d\u5f97\u4ece\u4e8b\u5371\u9669\u6d3b\u52a8\u6216\u53c2\u4e0e\u5371\u9669\u8fd0\u52a8\u7b49\u3002\u5982\u679c\u60a8\u8fdd\u53cd\u4e86\u8fd9\u4e9b\u89c4\u5b9a\uff0c\u4fdd\u9669\u516c\u53f8\u53ef\u80fd\u4f1a\u53d6\u6d88\u60a8\u7684\u4fdd\u5355\u3002<\/li>\n<li><strong>\u4fdd\u9669\u671f\u9650\u5c4a\u6ee1<\/strong>\uff1a\u5b9a\u671f\u4eba\u5bff\u4fdd\u9669\u901a\u5e38\u6709\u56fa\u5b9a\u7684\u4fdd\u9669\u671f\u9650\uff0c\u4f8b\u598210\u5e74\u300120\u5e74\u7b49\u3002\u4e00\u65e6\u4fdd\u9669\u671f\u9650\u5230\u671f\uff0c\u4fdd\u5355\u5c06\u81ea\u52a8\u7ec8\u6b62\u3002<\/li>\n<\/ol>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>\u4e0d\u540c\u79cd\u7c7b\u4eba\u5bff\u4fdd\u9669\u7684\u5bbd\u9650\u671f<\/strong><\/li>\n<\/ul>\n<ol>\n<li>Term Life Insurance\uff1a \u5b9a\u671f\u4eba\u5bff\u4fdd\u9669\u901a\u5e38\u7684\u5bbd\u9650\u671f\u572830-31\u5929\uff0c\u82e5\u5728\u5bbd\u9650\u671f\u5185\u6ca1\u6709\u53ca\u65f6\u4ea4\u4fdd\u8d39\uff0c\u4fdd\u5355\u5c06\u4f1a\u5931\u6548\u3002<\/li>\n<li>Whole Life Insurance\uff1a\u7ec8\u8eab\u4eba\u5bff\u4fdd\u9669\u7684\u5bbd\u9650\u671f\u901a\u5e38\u572830\u621660\u5929\uff0c\u4e14\u5927\u90e8\u5206\u4fdd\u5355\u90fd\u4f1a\u5305\u62ec\u4e00\u4e2a\u6761\u6b3e\u53eb\u505aAuto Loan\uff0c\u5373\u81ea\u52a8\u8d37\u6b3e\u6761\u6b3e\u3002\u8fd9\u4e2a\u6761\u6b3e\u5728\u60a8\u672a\u7f34\u7eb3\u4fdd\u8d39\u7684\u60c5\u51b5\u4e0b\uff0c\u4f1a\u4ece\u4fdd\u5355\u7684\u73b0\u91d1\u4ef7\u503c\u4e2d\u201c\u8d37\u6b3e\u201d\u6765\u7f34\u7eb3\u4fdd\u8d39\u3002<\/li>\n<li>Universal Life Insurance\uff1a\u4e07\u80fd\u578b\u4eba\u5bff\u4fdd\u9669\uff0c\u5305\u62ecVUL\uff08\u6295\u8d44\u578b\u5bff\u9669\uff09\u3001IUL\uff08\u6307\u6570\u578b\u4e07\u80fd\u5bff\u9669\uff09\u7b49\u3002\u4e07\u80fd\u578b\u4eba\u5bff\u4fdd\u9669\u7684\u4f18\u70b9\u662f\u53ea\u8981\u4fdd\u5355\u8fd8\u6709\u73b0\u91d1\u4ef7\u503c\uff0c\u4fdd\u5355\u5c31\u4e0d\u4f1a\u9a6c\u4e0a\u5931\u6548\u3002\u5f53\u73b0\u91d1\u4ef7\u503c\u4e3a\u96f6\u65f6\uff0c\u4fdd\u9669\u516c\u53f8\u4f1a\u901a\u77e5\u6295\u4fdd\u4eba\uff0c\u5e76\u63d0\u4f9b60-90\u5929\u7684Grace Period\u5bbd\u9650\u671f\u3002\u4fdd\u9669\u4eba\u53ea\u8981\u4fdd\u8bc1\u5728\u5bbd\u9650\u671f\u5185\u5c06\u4fdd\u8d39\u8865\u9f50\uff0c\u4fdd\u5355\u5c31\u4e0d\u4f1a\u5931\u6548\u3002<\/li>\n<\/ol>\n<ul>\n<li><strong>\u4fdd\u5355\u5931\u6548\u600e\u4e48\u529e\uff1a<\/strong><\/li>\n<\/ul>\n<p>\u82e5\u7531\u4e8e\u4e0d\u53ef\u6297\u529b\u5bfc\u81f4\u4fdd\u5355\u5931\u6548\uff0c\u5927\u90e8\u5206\u4fdd\u9669\u516c\u53f8\u90fd\u5141\u8bb8\u5ba2\u6237\u5728\u4fdd\u5355\u5931\u6548\u7684\u4e00\u5b9a\u65f6\u95f4\u5185\u590d\u6548\u81ea\u5df1\u7684\u4fdd\u9669\uff0c\u5927\u90e8\u5206\u516c\u53f8\u4f1a\u5141\u8bb8\u5ba2\u4eba\u57281-3\u5e74\uff0c\u751a\u81f35\u5e74\u5185\u7533\u8bf7\u590d\u6548\u3002\u4f46\u590d\u6548\u7684\u7ed3\u679c\u9700\u8981\u4fdd\u9669\u516c\u53f8\u7684\u6279\u590d\uff0c\u4fdd\u9669\u516c\u53f8\u53ef\u80fd\u8981\u6c42\u5ba2\u4eba\u91cd\u65b0\u8fdb\u884c\u4f53\u68c0\u6216\u8005\u76f4\u63a5\u586b\u5199\u7533\u8bf7\u8868\u683c\u3002<\/p>\n<p>\u9700\u8981\u6ce8\u610f\u7684\u662f\u590d\u6548\u7684\u7533\u8bf7\u5fc5\u987b\u7531\u5ba2\u6237\u5728\u7f8e\u56fd\u672c\u571f\u63d0\u4ea4\uff0c\u56e0\u6b64\u975e\u7f8e\u56fd\u4eba\u8d2d\u4e70\u7f8e\u56fd\u4eba\u5bff\u4fdd\u9669\u540e\u5982\u679c\u4fdd\u5355\u5931\u6548\u8f83\u4e3a\u9ebb\u70e6\uff1b\u5982\u679c\u5ba2\u4eba\u9009\u62e9\u4e3b\u52a8\u53d6\u6d88\u4fdd\u5355\uff0c\u5219\u65e0\u6cd5\u91cd\u65b0\u590d\u6548\u4fdd\u5355\u3002\u5927\u5bb6\u5e94\u8be5\u65f6\u523b\u5173\u6ce8\u4fdd\u5355\u72b6\u6001\uff0c\u4ece\u800c\u907f\u514d\u7c7b\u4f3c\u4e8b\u4ef6\u7684\u53d1\u751f\u3002<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>\u5982\u4f55\u5173\u6ce8\u4fdd\u5355\u7684\u52a8\u6001\uff1a<\/strong><\/li>\n<\/ul>\n<ol>\n<li><strong>\u4ed4\u7ec6\u9605\u8bfb\u4fdd\u9669\u5408\u540c<\/strong>\uff1a\u8ba4\u771f\u9605\u8bfb\u548c\u7406\u89e3\u4fdd\u9669\u5408\u540c\u4e2d\u7684\u6761\u6b3e\u548c\u6761\u4ef6\uff0c\u5305\u62ec\u4fdd\u9669\u671f\u9650\u3001\u4fdd\u9669\u91d1\u989d\u3001\u4fdd\u8d39\u652f\u4ed8\u65b9\u5f0f\u3001\u4fdd\u9669\u8d23\u4efb\u548c\u8c41\u514d\u6761\u6b3e\u7b49\u3002\u786e\u4fdd\u60a8\u6e05\u695a\u4e86\u89e3\u4fdd\u5355\u7684\u57fa\u672c\u5185\u5bb9\u548c\u4fdd\u9669\u516c\u53f8\u7684\u4e49\u52a1\u3002<\/li>\n<li><strong>\u4fdd\u6301\u4fdd\u8d39\u652f\u4ed8<\/strong>\uff1a\u6309\u65f6\u652f\u4ed8\u4fdd\u8d39\u975e\u5e38\u91cd\u8981\uff0c\u4ee5\u786e\u4fdd\u4fdd\u5355\u7684\u6709\u6548\u6027\u3002\u8bbe\u7f6e\u63d0\u9192\u6216\u81ea\u52a8\u652f\u4ed8\uff0c\u4ee5\u907f\u514d\u9519\u8fc7\u652f\u4ed8\u671f\u9650\u3002\u786e\u4fdd\u60a8\u77e5\u9053\u4fdd\u8d39\u91d1\u989d\u3001\u652f\u4ed8\u65b9\u5f0f\u548c\u9891\u7387\u3002<\/li>\n<li><strong>\u66f4\u65b0\u4e2a\u4eba\u4fe1\u606f<\/strong>\uff1a\u4fdd\u9669\u516c\u53f8\u9700\u8981\u60a8\u7684\u51c6\u786e\u4e2a\u4eba\u4fe1\u606f\uff0c\u5305\u62ec\u59d3\u540d\u3001\u5730\u5740\u3001\u8054\u7cfb\u65b9\u5f0f\u548c\u53d7\u76ca\u4eba\u4fe1\u606f\u7b49\u3002\u53ca\u65f6\u66f4\u65b0\u8fd9\u4e9b\u4fe1\u606f\uff0c\u4ee5\u4fbf\u4fdd\u9669\u516c\u53f8\u80fd\u591f\u4e0e\u60a8\u8054\u7cfb\uff0c\u5e76\u786e\u4fdd\u4fdd\u9669\u91d1\u80fd\u591f\u6309\u7167\u60a8\u7684\u610f\u613f\u652f\u4ed8\u7ed9\u6b63\u786e\u7684\u53d7\u76ca\u4eba\u3002<\/li>\n<li><strong>\u8ddf\u8e2a\u4fdd\u5355\u4ef7\u503c<\/strong>\uff1a\u4fdd\u9669\u516c\u53f8\u6bcf\u5e74\u4f1a\u6839\u636e\u4fdd\u5355\u72b6\u6001\u63d0\u4f9b\u5e74\u62a5\uff0c\u5982\u679c\u60a8\u7684\u4eba\u5bff\u4fdd\u9669\u6709\u73b0\u91d1\u4ef7\u503c\uff08\u5982\u4e07\u80fd\u4eba\u5bff\u4fdd\u9669\uff09\uff0c\u4e86\u89e3\u548c\u8ddf\u8e2a\u4fdd\u5355\u7684\u73b0\u91d1\u4ef7\u503c\u7684\u589e\u957f\u60c5\u51b5\u3002\u8fd9\u5c06\u6709\u52a9\u4e8e\u60a8\u8bc4\u4f30\u4fdd\u5355\u7684\u79ef\u7d2f\u4ef7\u503c\u548c\u53ef\u80fd\u7684\u8d22\u52a1\u76ca\u5904\u3002<\/li>\n<li><strong>\u5b9a\u671f\u8bc4\u4f30\u4fdd\u9669\u9700\u6c42<\/strong>\uff1a\u5b9a\u671f\u8bc4\u4f30\u60a8\u7684\u4fdd\u9669\u9700\u6c42\uff0c\u5e76\u6839\u636e\u9700\u8981\u8fdb\u884c\u8c03\u6574\u3002\u5982\u679c\u9700\u8981\u589e\u52a0\u6216\u51cf\u5c11\u4fdd\u989d\u6216\u8c03\u6574\u4fdd\u9669\u8ba1\u5212\uff0c\u8bf7\u4e0e\u4fdd\u9669\u7ecf\u7eaa\u4eba\u8054\u7cfb\u3002<\/li>\n<li><strong>\u4e0e\u4fdd\u9669\u7ecf\u7eaa\u4eba\u4fdd\u6301\u8054\u7cfb<\/strong>\uff1a\u53ca\u65f6\u54a8\u8be2\u6709\u5173\u4fdd\u5355\u72b6\u6001\u3001\u7406\u8d54\u7a0b\u5e8f\u3001\u66f4\u65b0\u4fe1\u606f\u7b49\u4e8b\u5b9c\u3002\u4fdd\u6301\u6709\u6548\u7684\u901a\u4fe1\u6e20\u9053\uff0c\u4ee5\u786e\u4fdd\u60a8\u80fd\u591f\u83b7\u53d6\u6700\u65b0\u7684\u4fdd\u5355\u4fe1\u606f\u548c\u670d\u52a1\u652f\u6301\u3002<\/li>\n<\/ol>\n<p>\u5982\u679c\u60a8\u5bf9\u4eba\u5bff\u4fdd\u5355\u6709\u4efb\u4f55\u76f8\u5173\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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href=\"https:\/\/icitynews.com\/?p=353744\">\u5982\u4f55\u907f\u514d\u4eba\u5bff\u4fdd\u5355\u5931\u6548\uff1f<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>\u5927\u5bb6\u5728\u8d2d\u4e70\u4eba\u5bff\u4fdd\u9669\u7684\u65f6\u5019\u7ecf\u5e38\u4f1a\u601d\u8003\u4e00\u4e2a\u91cd\u8981\u7684\u95ee\u9898\uff0c\u90a3\u5c31\u662f\u4eba\u5bff\u4fdd\u5355\u4f1a\u4e0d\u4f1a\u5931\u6548\uff08Lapse\uff1a\u6307\u7684\u662f\u4fdd\u5355\u5931\u6548\u6216\u7ec8\u6b62\u7684\u60c5\u51b5\u3002\u5f53\u4fdd\u5355\u5904\u4e8e\u5931\u6548\u72b6\u6001\u65f6\uff0c\u4fdd\u9669\u516c\u53f8\u5c06\u4e0d\u518d\u627f\u62c5\u4fdd\u9669\u8d23\u4efb\uff0c\u5c06\u65e0\u6cd5\u4eab\u53d7\u5230\u4fdd\u5355\u6240\u63d0\u4f9b\u7684\u4fdd\u9669\u4fdd\u969c\u548c 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