{"id":392071,"date":"2023-05-30T16:33:45","date_gmt":"2023-05-30T23:33:45","guid":{"rendered":"https:\/\/icitynews.com\/?p=392071"},"modified":"2023-05-30T16:33:45","modified_gmt":"2023-05-30T23:33:45","slug":"%e6%8e%a2%e7%b4%a2%e6%8c%87%e6%95%b0%e5%9e%8b%e4%b8%87%e8%83%bd%e5%af%bf%e9%99%a9%e7%9a%84%e6%8c%87%e6%95%b0%e4%b9%8b%e9%81%93","status":"publish","type":"post","link":"https:\/\/icitynews.com\/?p=392071","title":{"rendered":"\u63a2\u7d22\u6307\u6570\u578b\u4e07\u80fd\u5bff\u9669\u7684\u201c\u6307\u6570\u201d\u4e4b\u9053"},"content":{"rendered":"<p>\u5bf9\u4eba\u5bff\u4fdd\u9669\u7c7b\u4ea7\u54c1\u6709\u6240\u4e86\u89e3\u7684\u670b\u53cb\u4eec\u5bf9\u6307\u6570\u578b\u4e07\u80fd\u5bff\u9669IUL\uff08Indexed Universal Life\uff09\u8fd9\u4e2a\u540d\u5b57\u4e00\u5b9a\u4e0d\u964c\u751f\u3002\u6307\u6570\u578b\u4e07\u80fd\u4eba\u5bff\u4fdd\u9669\u662f<a href=\"https:\/\/thelifetank.com\/learning\/what-is-universal-life-insurance\">\u4e07\u80fd\u5bff\u9669<\/a>\u7684\u4e00\u4e2a\u8fdb\u5316\u884d\u751f\u4ea7\u54c1\u3002\u5b83\u9664\u4e86\u63d0\u4f9b\u5982<a href=\"https:\/\/thelifetank.com\/learning\/term-life-insurance\">\u5b9a\u671f\u5bff\u9669<\/a>\u8fd9\u6837\u7684\u57fa\u672c\u8eab\u6545\u8d54\u507f\u4fdd\u969c\u5916\uff0c\u4e5f\u5177\u6709<strong>\u73b0\u91d1\u503c<\/strong>\u90e8\u5206\u3002<\/p>\n<p>\u5177\u4f53\u6765\u8bf4\uff0c\u5ba2\u4eba\u7684\u4fdd\u5355\u4e0d\u4f1a\u76f4\u63a5\u53c2\u4e0e\u6295\u8d44\u3002\u4fdd\u9669\u516c\u53f8\u4f1a\u6839\u636e\u6307\u6570\u7684\u589e\u957f\uff0c\u518d\u7ecf\u8fc7\u6307\u6570\u7b56\u7565\u7684\u8ba1\u7b97\uff0c\u6700\u540e\u7ed9\u5230\u4fdd\u5355\u5bf9\u5e94\u7684\u5229\u606f\uff0c\u4ece\u800c\u4f7f\u4fdd\u5355\u8fbe\u5230\u7d2f\u79ef\u73b0\u91d1\u4ef7\u503c\u7684\u6548\u679c\u3002<br \/>\n\u6307\u6570\u578b\u4e07\u80fd\u5bff\u9669\u7531\u4e8e\u7075\u6d3b\u7684\u4fdd\u8d39\u652f\u4ed8\u65b9\u5f0f\u3001\u73b0\u91d1\u4ef7\u503c\u7684\u589e\u957f\u6f5c\u529b\u3001\u7a0e\u52a1\u4f18\u52bf\u3001\u751f\u524d\u798f\u5229\u6761\u6b3e\u4ee5\u53ca\u7075\u6d3b\u7684\u501f\u8d37\u9009\u62e9\u800c\u53d7\u5230\u5927\u5bb6\u7684\u559c\u7231\uff0c\u4e5f\u88ab\u7528\u4f5c<strong>\u6559\u80b2\u57fa\u91d1\u7684\u51c6\u5907\u3001\u9000\u4f11\u89c4\u5212\u3001\u517b\u8001\u89c4\u5212\u3001\u8d22\u5bcc\u4f20\u627f<\/strong>\u7b49\u591a\u79cd\u7528\u9014\u3002<\/p>\n<ul>\n<li><strong>IUL<\/strong><strong>\u7684\u6307\u6570\u7b56\u7565<\/strong><\/li>\n<\/ul>\n<p>\u6240\u7f34\u4ed8\u7684\u4fdd\u8d39\u5728\u652f\u4ed8\u4e86\u4fdd\u9669\u6210\u672c\u4e4b\u540e \uff0c\u5269\u4f59\u7684\u90e8\u5206\u81ea\u52a8\u8fdb\u5165\u51e0\u4e2a\u53ef\u4f9b\u9009\u62e9\u7684\u201c\u7b56\u7565\u5e10\u6237\u201d\uff0c\u8f6c\u6362\u6210\u5bf9\u5e94\u7684\u73b0\u91d1\u503c\uff0c\u4f60\u53ef\u4ee5\u9009\u62e9\u628a\u8fd9\u7b14\u94b1\u653e\u5165\u5230<strong>\u4fdd\u8bc1\u6536\u76ca\u7684\u7b56\u7565\u8d26\u6237<\/strong>\u91cc\uff0c\u4f8b\u5982\u6bcf\u5e745%\u7684\u4fdd\u8bc1\u56de\u62a5\uff0c\u4f46\u8fd9\u4e2a\u4fdd\u8bc1\u7684\u6570\u5b57\u6bcf\u5e74\u53ef\u80fd\u4f1a\u6709\u6240\u4e0d\u540c\uff1b\u4e5f\u53ef\u4ee5\u9009\u62e9\u5bf9\u6807\u5230<strong>\u80a1\u7968\u6307\u6570\u7684\u7b56\u8d8a\u8d26\u6237<\/strong>\u91cc\uff0c\u6bd4\u5982\u53ef\u9009\u62e9\u6302\u94a9<a href=\"https:\/\/thelifetank.com\/average-us-stock-market-return\">\u6807\u51c6\u666e\u5c14500\u6307\u6570<\/a>\uff08S&amp;P500\u6307\u6570\uff09\u7b49\u3002<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-392076\" src=\"https:\/\/icitynews.com\/wp-content\/uploads\/2023\/05\/1-4-800x496.jpg\" alt=\"\" width=\"800\" height=\"496\" srcset=\"https:\/\/icitynews.com.cn\/wp-content\/uploads\/2023\/05\/1-4-800x496.jpg 800w, https:\/\/icitynews.com.cn\/wp-content\/uploads\/2023\/05\/1-4-768x477.jpg 768w, https:\/\/icitynews.com.cn\/wp-content\/uploads\/2023\/05\/1-4-600x372.jpg 600w, https:\/\/icitynews.com.cn\/wp-content\/uploads\/2023\/05\/1-4.jpg 888w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/>\u6211\u4eec\u4ee5\u67d0\u5bb6\u4fdd\u9669\u516c\u53f8\u7684IUL\u4ea7\u54c1\u53ef\u9009\u62e9\u7684\u7b56\u7565\u4e3a\u4f8b\uff0c\u60a8\u53ef\u4ee5\u9009\u62e9\u8fd9\u5bb6\u4fdd\u9669\u516c\u53f8\u6240\u63d0\u4f9b\u7684\u4efb\u4f55\u4e00\u4e2a\u6307\u6570\u7b56\u7565\uff0c\u6216\u8005\u4fdd\u8bc1\u6536\u76ca\u7b56\u7565\u8d26\u6237\uff0c\u4e5f\u53ef\u4ee5\u9009\u62e9\u591a\u79cd\u4e0d\u540c\u7684\u6307\u6570\u7b56\u7565\uff0c\u81ea\u884c\u51b3\u5b9a\u6bcf\u4e00\u79cd\u7b56\u7565\u7684\u5206\u914d\u6bd4\u4f8b\uff08Allocation\uff09\uff0c\u7075\u6d3b\u7a0b\u5ea6\u5f88\u9ad8\u3002<\/p>\n<p>\u9700\u8981\u6ce8\u610f\u7684\u662f\uff0c\u6211\u4eec\u770b\u5230\u4ee5\u4e0a\u6bcf\u79cd\u9009\u62e9\u4e2d\u90fd\u6709\u201cMax Illustrate Rate\uff08\u6700\u5927\u6f14\u793a\u5229\u7387\uff09\u201d\u3001\u201cCurrent Cap\uff08\u76ee\u524d\u6700\u9ad8\u5229\u7387\u4e0a\u9650\uff09\u201d\u3001\u201cParticipation Rate\uff08\u53c2\u4e0e\u7387\uff09\u201d\u4e09\u5217\u3002<\/p>\n<p>&nbsp;<\/p>\n<ol>\n<li><strong>Index Cap: <\/strong><strong>\u5c01\u9876\u653f\u7b56\u3002<\/strong>\u4e00\u4e2a\u5468\u671f\u5c06\u88ab\u8bb0\u5165\u7684\u6700\u9ad8\u5229\u7387\u3002\u5982\u679c\u6307\u6570\u7684\u8868\u73b0\u5927\u4e8e\u6700\u9ad8\u5229\u7387\u7684\u4e0a\u9650\uff0c\u5219\u4f1a\u6309\u7167\u5229\u7387\u7684\u4e0a\u9650\u6765\u8ba1\u7b97\u3002\u5047\u8bbe\u6211\u4eec\u9009\u62e9\u53c2\u8003\u6807\u666e500\uff0c\u8fc7\u53bb\u4e00\u4e2a\u5468\u671f\u4e0a\u6da8\u4e8610%\uff0c\u800c\u5229\u7387\u4e0a\u9650\u4e3a25%\uff0c\u90a3\u4e48\u6307\u6570\u8d26\u6237\u83b7\u5f97\u7684\u5206\u7ea2\u6700\u591a\u4e3a9.25%\u3002<strong>\u4fdd\u9669\u516c\u53f8\u6709\u6743\u66f4\u6539<\/strong><strong>Cap Rate<\/strong>\uff0c\u5982\u679c\u5229\u7387\u4e0a\u9650\u4e0b\u964d\u52306%\uff0c\u5373\u4fbf\u6307\u6570\u4e0a\u6da8\u4e8615%\uff0c\u80fd\u591f\u83b7\u5f97\u7684\u5b9e\u9645\u5229\u7387\u5206\u7ea2\u4e5f\u53ea\u67096%\u3002<\/li>\n<li><strong>Index Floor: <\/strong><strong>\u4fdd\u5e95\u653f\u7b56\u3002<\/strong>\u4e00\u4e2a\u5468\u671f\u5c06\u88ab\u8bb0\u5165\u7684\u6700\u4f4e\u5229\u7387\u3002\u5982\u679c\u6307\u6570\u7684\u8868\u73b0\u5c0f\u4e8e\u6700\u4f4e\u5229\u7387\u7684\u4e0b\u9650\uff0c\u5219\u4f1a\u6309\u7167\u5229\u7387\u7684\u4e0b\u9650\u6765\u8ba1\u7b97\u3002\u5982\u679c\u6307\u6570\u7684\u53d8\u5316\u662f\u8d1f\u6570\uff0c\u7531\u4e8eIUL\u6709\u4fdd\u5e95\u7684\u4fdd\u62a4\u89c4\u5b9a\uff08\u901a\u5e38\u4e3a0%\uff09\uff0c\u56e0\u6b64\u5373\u4f7f\u6307\u6570\u635f\u5931\u4e86\u4ef7\u503c\uff0cIUL\u7684\u7b56\u7565\u4e5f\u4f1a\u6709\u4e00\u4e2a\u4fdd\u5e95\u3002<\/li>\n<li><strong>Index Participation Rate: <\/strong><strong>\u6307\u6570\u7684\u53c2\u4e0e\u7387\u3002<\/strong>\u5f71\u54cd\u6307\u6570\u8d26\u6237\u6536\u76ca\u7684\u9664\u4e86\u5229\u7387\u4e0a\u9650\u4ee5\u5916\u8fd8\u6709\u4e00\u4e2a\u53c2\u4e0e\u7387\u6307\u6807\uff0c\u6307\u6570\u8d26\u6237\u7684\u6536\u76ca\u5229\u7387\u8fd8\u8981\u4e58\u4ee5\u4fdd\u9669\u516c\u53f8\u8bbe\u7f6e\u7684\u53c2\u4e0e\u7387\uff0c\u4fdd\u9669\u516c\u53f8\u6709\u6743\u81ea\u884c\u66f4\u6539\u6307\u6570\u8d26\u6237\u7684\u53c2\u4e0e\u7387\u3002<br \/>\n\u5982\u679c\u53c2\u4e0e\u7387\u662f100% \u6307\u6570\u8d26\u6237\u8fd9\u4e00\u5468\u671f\u7684\u5229\u7387\u4e3aCap 10% X Participation Rate 100% = 10%\uff1b\u5982\u679c\u53c2\u4e0e\u7387\u662f50%\uff0c\u90a3\u4e48\u6307\u6570\u8d26\u6237\u7684\u5229\u7387\u5219\u4e3a5%\u3002<\/li>\n<li><strong>Max Illustrate Rate<\/strong><strong>\uff1a\u6700\u5927\u6f14\u793a\u5229\u7387\u3002<\/strong>\u81ea 2023 \u5e74 5 \u6708 1 \u65e5\u8d77\uff0c\u6307\u6570\u578b\u4e07\u80fd\u5bff\u9669\u7684\u65b0\u76d1\u7ba1\u6761\u4f8b\u5b9e\u65bd\u3002\u8fd9\u662fActuarial Guideline 49 (AG49) \u7cbe\u7b97\u6307\u5357\u4e2d\u7684\u6700\u65b0\u4e00\u7248\uff0c\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 \/>\n\u57282020\u5e74\u7b2c\u4e8c\u6b21\u6539\u9769\u540e\u7684AG 49\u6cd5\u89c4<strong>\u89c4\u8303\u4e86\u6307\u6570\u578b\u4e07\u80fd\u5bff\u9669\u4ea7\u54c1\u6240\u80fd\u6f14\u793a\u7684\u56de\u62a5\u7387\u7684\u6700\u9ad8\u503c\uff0c<\/strong>\u5e76\u4e14\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\u4e2d<strong>Fixed Bonus\uff08\u56fa\u5b9a\u5956\u91d1\uff09\u7684\u9650\u5236\u3002<br \/>\n<\/strong>\u6211\u4eec\u4ee5\u8fd115\u5e74\u5185\u6807\u51c6\u666e\u5c14\u6307\u6570\u7684\u8868\u73b0\u4e3a\u4f8b\uff0c\u5728\u8fd9 15 \u5e74\u671f\u95f4\uff0cIUL \u5e73\u5747\u6307\u6570\u4e3a84%\uff0c\u4f46<strong>\u76ee\u524d\u7684\u76d1\u7ba1\u53ef\u80fd\u4f1a\u5c06\u6700\u5927\u6f14\u793a\u5229\u7387\u9650\u5236\u5728 5.5% &#8211; 6.5% \u7684\u8303\u56f4\u5185\u3002<\/strong>\u867d\u7136\u6307\u6570\u7684\u4e0a\u9650\u88ab\u4e0b\u964d\uff0c\u4f46\u8fc7\u53bb15\u5e74\u7684\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<\/li>\n<\/ol>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>\u4ea7\u54c1\u8ba1\u5212\u4e66\u7684\u4fdd\u8bc1\u548c\u975e\u4fdd\u8bc1\u56de\u62a5<\/strong><\/li>\n<\/ul>\n<p>IUL \u8ba1\u5212\u4e66\u5fc5\u987b\u5305\u62ec\u4e00\u4e9b\u5173\u952e\u5185\u5bb9\uff0c\u4ee5\u5411\u6f5c\u5728\u5ba2\u6237\u8bc1\u660e\u5b83\u7684\u8868\u73b0\u6f5c\u529b\u3002\u5728\u6295\u8d44\u4efb\u4f55 IUL \u4e4b\u524d\uff0c\u91cd\u8981\u7684\u662f\u8981\u4e86\u89e3<a href=\"https:\/\/indexeduniversal-life.translate.goog\/reasons-why-iul\/?_x_tr_sl=en&amp;_x_tr_tl=zh-CN&amp;_x_tr_hl=zh-CN&amp;_x_tr_pto=sc\">\u60a8\u6b63\u5728\u8003\u8651\u7684 IUL \u7684\u597d\u5904<\/a>\uff0c\u60a8\u53ef\u80fd\u83b7\u5f97\u7684\u56de\u62a5\uff0c\u5f53\u7136\uff0c\u5982\u679c\u5e02\u573a\u8868\u73b0\u4e0d\u4f73\u6216\u60a8\u62e5\u6709\u7684\u4ea7\u54c1\u7684\u5185\u90e8\u6210\u672c\u589e\u52a0\u4f1a\u53d1\u751f\u4ec0\u4e48\u3002<\/p>\n<ol>\n<li><strong>\u4fdd\u8bc1\u56de\u62a5Guaranteed Illustrated Values\uff1a<\/strong>\u60a8\u7684 IUL \u8ba1\u5212\u4e66\u5e94\u8bc1\u660e\u8be5\u4fdd\u5355\u5177\u6709\u4e00\u5b9a\u7684\u4fdd\u8bc1\u56de\u62a5\uff0c\u8fd9\u662f\u6cd5\u5f8b\u8981\u6c42\u62ab\u9732\u7684\u6700\u574f\u60c5\u51b5\uff0c\u5b83\u6982\u8ff0\u4e86\u7279\u5b9a\u4fdd\u5355\u7684\u6700\u4f4e\u6536\u76ca\u7387\u3002\u53ef\u4ee5\u8ba9\u5ba2\u6237\u770b\u5230IUL \u4ea7\u54c1\u53ef\u83b7\u5f97\u7684\u6700\u4f4e\u56de\u62a5\uff0c\u8fd9\u4e9b\u4fdd\u8bc1\u4e5f\u662f\u5ba2\u6237\u5e94\u8be5\u91cd\u70b9\u5173\u6ce8\u7684\u3002<\/li>\n<li><strong>\u53ef\u80fd\u7684\u56de\u62a5Non-Guaranteed Illustrated Values<\/strong>\uff1a\u6d88\u8d39\u8005\u9605\u8bfb\u8ba1\u5212\u4e66\u5e76\u4e86\u89e3\u4e0d\u540c\u7684\u6307\u6570\u7b56\u7565\u53ef\u80fd\u7684\u56de\u62a5\u4e5f\u5f88\u91cd\u8981\u3002\u8be5\u90e8\u5206\u53ef\u5e2e\u52a9\u6f5c\u5728\u5ba2\u6237\u4e86\u89e3\u4ed6\u4eec\u5728\u4e0d\u540c\u6c47\u7387\u4e0b\u53ef\u80fd\u6536\u5230\u7684\u4f30\u8ba1\u91d1\u989d\u3002<\/li>\n<\/ol>\n<ul>\n<li><strong><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-392075\" src=\"https:\/\/icitynews.com\/wp-content\/uploads\/2023\/05\/2-3-800x310.jpg\" alt=\"\" width=\"800\" height=\"310\" srcset=\"https:\/\/icitynews.com.cn\/wp-content\/uploads\/2023\/05\/2-3-800x310.jpg 800w, https:\/\/icitynews.com.cn\/wp-content\/uploads\/2023\/05\/2-3-1024x397.jpg 1024w, https:\/\/icitynews.com.cn\/wp-content\/uploads\/2023\/05\/2-3-768x298.jpg 768w, https:\/\/icitynews.com.cn\/wp-content\/uploads\/2023\/05\/2-3-600x232.jpg 600w, https:\/\/icitynews.com.cn\/wp-content\/uploads\/2023\/05\/2-3.jpg 1479w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/>\u5982\u4f55\u8ddf\u8fdb\u4fdd\u5355\u7684\u6307\u6570\u8868\u73b0\u60c5\u51b5<\/strong><\/li>\n<\/ul>\n<ol>\n<li><strong>\u57fa\u51c6\u6307\u6570\u8ffd\u8e2a\uff1a<\/strong>IUL\u901a\u5e38\u57fa\u4e8e\u67d0\u4e2a\u7279\u5b9a\u7684\u57fa\u51c6\u6307\u6570\uff0c\u5982\u6807\u51c6\u666e\u5c14500\u6307\u6570\u3002\u4e86\u89e3\u5e76\u8ffd\u8e2a\u57fa\u51c6\u6307\u6570\u7684\u8868\u73b0\u5c06\u4f7f\u60a8\u80fd\u591f\u4e86\u89e3IUL\u7684\u6574\u4f53\u8d70\u52bf\u3002\u60a8\u53ef\u4ee5\u4f7f\u7528\u91d1\u878d\u65b0\u95fb\u5a92\u4f53\u3001\u7ecf\u7eaa\u5546\u63d0\u4f9b\u7684\u5e02\u573a\u6570\u636e\u6216\u5728\u7ebf\u91d1\u878d\u5e73\u53f0\u6765\u83b7\u5f97\u6700\u65b0\u7684\u57fa\u51c6\u6307\u6570\u4fe1\u606f\u3002<img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-392074\" src=\"https:\/\/icitynews.com\/wp-content\/uploads\/2023\/05\/3-1.jpg\" alt=\"\" width=\"782\" height=\"595\" srcset=\"https:\/\/icitynews.com.cn\/wp-content\/uploads\/2023\/05\/3-1.jpg 782w, https:\/\/icitynews.com.cn\/wp-content\/uploads\/2023\/05\/3-1-768x584.jpg 768w, https:\/\/icitynews.com.cn\/wp-content\/uploads\/2023\/05\/3-1-600x457.jpg 600w\" sizes=\"auto, (max-width: 782px) 100vw, 782px\" \/><\/li>\n<li><strong>\u4fdd\u9669\u516c\u53f8\u63d0\u4f9b\u7684\u4fe1\u606f\uff1a<\/strong>\u5728\u8d2d\u4e70\u6307\u6570\u578b\u4e07\u80fd\u5bff\u9669\u540e\uff0c\u4fdd\u9669\u516c\u53f8\u4f1a\u6839\u636e\u4fdd\u5355\u72b6\u6001\u548c\u6307\u6570\u7684\u8868\u73b0\u60c5\u51b5\u63d0\u4f9b\u5e74\u62a5\u3002\u8fd9\u4e9b\u62a5\u544a\u53ef\u4ee5\u5305\u542b\u6709\u5173\u8fc7\u53bb\u4e00\u6bb5\u65f6\u95f4\u5185\u7684\u6307\u6570\u8868\u73b0\u3001\u5386\u53f2\u56de\u62a5\u7387\u548c\u5176\u4ed6\u76f8\u5173\u6570\u636e\u3002\u5b9a\u671f\u68c0\u67e5\u4fdd\u9669\u516c\u53f8\u63d0\u4f9b\u7684\u8fd9\u4e9b\u4fe1\u606f\u53ef\u4ee5\u5e2e\u52a9\u60a8\u4e86\u89e3IUL\u4fdd\u5355\u7684\u8868\u73b0\u3002<img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-392073\" src=\"https:\/\/icitynews.com\/wp-content\/uploads\/2023\/05\/4-1-800x179.jpg\" alt=\"\" width=\"800\" height=\"179\" srcset=\"https:\/\/icitynews.com.cn\/wp-content\/uploads\/2023\/05\/4-1-800x179.jpg 800w, https:\/\/icitynews.com.cn\/wp-content\/uploads\/2023\/05\/4-1-1024x229.jpg 1024w, https:\/\/icitynews.com.cn\/wp-content\/uploads\/2023\/05\/4-1-768x172.jpg 768w, https:\/\/icitynews.com.cn\/wp-content\/uploads\/2023\/05\/4-1-600x134.jpg 600w, https:\/\/icitynews.com.cn\/wp-content\/uploads\/2023\/05\/4-1.jpg 1458w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/li>\n<li><strong>\u4e13\u4e1a\u8d22\u52a1\u987e\u95ee\u7684\u5efa\u8bae\uff1a<\/strong>\u8ddf\u8e2aIUL\u7684\u6307\u6570\u8868\u73b0\u662f\u4e00\u4e2a\u6301\u7eed\u7684\u8fc7\u7a0b\u3002\u5b9a\u671f\u8bc4\u4f30\u60a8\u7684\u7406\u8d22\u7b56\u7565\u548c\u76ee\u6807\uff0c\u5e76\u6839\u636e\u5e02\u573a\u6761\u4ef6\u505a\u51fa\u76f8\u5e94\u8c03\u6574\u662f\u81f3\u5173\u91cd\u8981\u7684\u3002\u54a8\u8be2\u4e13\u4e1a\u7684\u8d22\u52a1\u987e\u95ee\u53ef\u4ee5\u6839\u636e\u60a8\u7684\u7406\u8d22\u76ee\u6807\u548c\u98ce\u9669\u627f\u53d7\u80fd\u529b\u63d0\u4f9b\u4e2a\u6027\u5316\u7684\u5efa\u8bae\uff0c\u5e76\u5e2e\u52a9\u60a8\u5236\u5b9a\u9002\u5408\u60a8\u7684\u8ddf\u8e2a\u7b56\u7565\u3002<\/li>\n<\/ol>\n<p><strong>\u00a0<\/strong><\/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<\/p>\n<p>\u5982\u679c\u60a8\u5bf9\u6307\u6570\u578b\u4e07\u80fd\u5bff\u9669\u6709\u4efb\u4f55\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 loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-392072\" src=\"https:\/\/icitynews.com\/wp-content\/uploads\/2023\/05\/5-1.jpg\" alt=\"\" width=\"628\" height=\"355\" srcset=\"https:\/\/icitynews.com.cn\/wp-content\/uploads\/2023\/05\/5-1.jpg 628w, https:\/\/icitynews.com.cn\/wp-content\/uploads\/2023\/05\/5-1-600x339.jpg 600w\" sizes=\"auto, (max-width: 628px) 100vw, 628px\" \/><\/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=392071\">\u63a2\u7d22\u6307\u6570\u578b\u4e07\u80fd\u5bff\u9669\u7684\u201c\u6307\u6570\u201d\u4e4b\u9053<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>\u5bf9\u4eba\u5bff\u4fdd\u9669\u7c7b\u4ea7\u54c1\u6709\u6240\u4e86\u89e3\u7684\u670b\u53cb\u4eec\u5bf9\u6307\u6570\u578b\u4e07\u80fd\u5bff\u9669IUL\uff08Indexed Universal Life\uff09\u8fd9\u4e2a\u540d\u5b57\u4e00\u5b9a\u4e0d\u964c\u751f\u3002\u6307\u6570\u578b\u4e07\u80fd\u4eba\u5bff\u4fdd\u9669\u662f\u4e07\u80fd\u5bff\u9669\u7684\u4e00\u4e2a\u8fdb\u5316\u884d\u751f\u4ea7\u54c1\u3002\u5b83\u9664\u4e86\u63d0\u4f9b\u5982\u5b9a\u671f\u5bff\u9669\u8fd9\u6837\u7684\u57fa\u672c [&hellip;]<\/p>\n","protected":false},"author":61,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_links_to":"","_links_to_target":""},"categories":[8],"tags":[],"class_list":["post-392071","post","type-post","status-publish","format-standard","hentry","category-usa_news"],"_links":{"self":[{"href":"https:\/\/icitynews.com\/index.php?rest_route=\/wp\/v2\/posts\/392071","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/icitynews.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/icitynews.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/icitynews.com\/index.php?rest_route=\/wp\/v2\/users\/61"}],"replies":[{"embeddable":true,"href":"https:\/\/icitynews.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=392071"}],"version-history":[{"count":0,"href":"https:\/\/icitynews.com\/index.php?rest_route=\/wp\/v2\/posts\/392071\/revisions"}],"wp:attachment":[{"href":"https:\/\/icitynews.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=392071"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/icitynews.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=392071"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/icitynews.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=392071"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}