{"id":395939,"date":"2023-07-21T17:23:51","date_gmt":"2023-07-22T00:23:51","guid":{"rendered":"https:\/\/icitynews.com\/?p=395939"},"modified":"2023-07-21T17:23:51","modified_gmt":"2023-07-22T00:23:51","slug":"%e5%8f%88%e4%b8%ad10%e4%ba%bf%ef%bc%81%e5%8f%88%e6%98%af%e6%b4%9b%e6%9d%89%e7%9f%b6%ef%bc%81%e4%b9%90%e9%80%8f%e5%a4%a9%e9%80%89%e4%b9%8b%e5%9c%b0","status":"publish","type":"post","link":"https:\/\/icitynews.com\/?p=395939","title":{"rendered":"\u53c8\u4e2d10\u4ebf\uff01\u53c8\u662f\u6d1b\u6749\u77f6\uff01\u4e50\u900f\u5929\u9009\u4e4b\u5730"},"content":{"rendered":"

\u4e2d\u5956\u540e\u8be5\u5982\u4f55\u6446\u8131\u201c\u5f69\u7968\u9b54\u5492\u201d- \u5408\u7406\u89c4\u5212\u53ef\u8ba9\u8d22\u5bcc\u589e\u503c\uff01
\n\u5047\u5982\u81ea\u5df1\u7684\u8d2d\u4e70\u5f69\u7968\u4e2d\u4e86\u5934\u5956\uff0c\u4f60\u4f1a\u9009\u62e9\u600e\u4e48\u82b1\u8fd9\u7b14\u94b1\uff1f\u7acb\u523b\u8f9e\u804c\u3001\u73af\u6e38\u4e16\u754c\uff0c\u4e70\u4e00\u5957\u8c6a\u534e\u7684\u623f\u5b50\uff1f\u8fd8\u662f\u8fdb\u884c\u6295\u8d44\uff0c\u8ba9\u94b1\u751f\u94b1\u4ece\u800c\u201c\u8eba\u5e73\u201d\uff1f\u76f8\u4fe1\u5f88\u591a\u4eba\u90fd\u6709\u8fc7\u4e00\u6837\u7684\u68a6\u60f3\u3002
\n\u5728 7\u670819\u65e5\u7f8e\u56fdPowerball\u7531\u4e00\u540d\u52a0\u5dde\u5e78\u8fd0\u513f\u72ec\u81ea\u83b7\u5f9710\u4ebf\u7f8e\u5143\u5927\u5956\uff0c\u5f97\u5956\u5f69\u7968\u5728\u6d1b\u6749\u77f6downtown\u7684Las Palmitas Mini Market\u552e\u51fa\uff0c\u8fd9\u662f\u6709\u53f2\u4ee5\u6765\u7b2c\u4e09\u5927\u5f3a\u529b\u7403\u5956\u91d1\u4ee5\u53ca\u7b2c\u4e03\u5927\u7f8e\u56fd\u5f69\u7968\u5934\u5956\u3002
\n\u8fd9\u4efd\u5e78\u8fd0\u7684\u5149\u73af\u4ee4\u65e0\u6570\u4eba\u7fa1\u6155\u4e0d\u5df2\uff0c\u8fd9\u4e2a\u5934\u5956\u7684\u6982\u7387\u6709\u591a\u5c0f\u5462\uff1f\u6839\u636ePowerball\u7f51\u7ad9\u63d0\u4f9b\u7684\u6570\u636e\u6982\u7387\u5982\u4e0b\uff1a
\n\"\"
\n\u5f69\u7968\u5956\u91d1\u9886\u53d6\u65b9\u5f0f\u6709\u54ea\u4e9b\uff1f
\n\u9664\u5934\u5956\u4ee5\u5916\uff0c\u57fa\u672c\u4e0a\u82e5\u5956\u91d1\u4e3a$599\u4ee5\u4e0b\uff0c\u901a\u5e38\u53ef\u4ee5\u524d\u5f80\u96f6\u552e\u5546\u76f4\u63a5\u5151\u6362\u3002\u82e5\u8d85\u8fc7$600\uff0c\u5219\u8981\u586b\u5199\u8bf7\u9886\u5355\uff0c\u6216\u524d\u5f80\u6307\u5b9a\u5730\u70b9\u9886\u53d6\u3002\u800c\u5934\u5956\u5956\u91d1\u6709\u4e24\u79cd\u9886\u53d6\u65b9\u5f0f\uff1a
\n1. \u7acb\u5373\u9886\u53d6
\n2. \u520630\u5e74\u9886\u5b8c
\n\u82e5\u9009\u62e9\u9010\u5e74\u8bf7\u9886\uff0c\u5219\u4f1a\u5206\u621030\u6b21\uff0830\u5e74\uff09\u4ed8\u6b3e\uff0c\u83b7\u5956\u8005\u53ef\u9886\u53d6\u7b2c\u4e00\u671f\u7684\u5e74\u91d1\uff0c\u5176\u4f5929\u671f\u5219\u5728\u968f\u540e29\u5e74\u4e2d\u6309\u5e74\u5206\u671f\u9886\u53d6\uff0c\u4e14\u6bcf\u5e74\u7684\u91d1\u989d\u4f1a\u9010\u5e74\u9012\u589e\u989d\u5916\u76845%\u5956\u91d1\u3002\u5b9e\u9645\u8be6\u60c5\u4f9d\u8d2d\u4e70\u5f69\u7968\u7684\u5dde\u89c4\u5b9a\u4e3a\u51c6\u3002
\n\u5f69\u7968\u5956\u91d1\u9700\u8981\u4ea4\u7a0e\u5417\uff1f\u7a0e\u7387\u662f\u591a\u5c11\uff1f
\n\u5956\u91d1\u9700\u7f34\u7684\u7a0e\u6709\u8054\u90a6\u7a0e\u548c\u5dde\u7a0e\u3002\u4e2d\u5956\u91d1\u989d\u8d85\u8fc7600\u5143\u4ee5\u4e0a\u5c31\u9700\u7f34\u7a0e\uff0c\u89c6\u5956\u91d1\u9ad8\u4f4e\u6700\u9ad8\u9700\u7f34\u5c06\u8fd140%\u7684\u7f8e\u56fd\u8054\u90a6\u7a0e\u3002 \u5dde\u7a0e\u90e8\u5206\u5219\u89c6\u8d2d\u4e70\u5dde\u522b\u800c\u6709\u4e0d\u540c\u7a0e\u7387\uff0c\u7ea6\u57280% – 8.5%\u4e0d\u7b49\uff0c\u5982\u52a0\u5dde\u3001\u5fb7\u5dde\u3001\u4f5b\u5dde\u7684\u5956\u91d1\u7686\u65e0\u7f34\u4ea4\u5dde\u7a0e\u3002\u5982\u679c\u662f\u5916\u56fd\u4eba\uff0c\u5219\u9700\u7f34\u4ea430%\u7684\u8054\u90a6\u7a0e\u548c\u8d2d\u4e70\u5dde\u522b\u7684\u5dde\u7a0e\u3002<\/p>\n

\u5982\u4f55\u5229\u7528\u8fd9\u7b14\u8d44\u91d1\u6765\u5408\u7406\u7406\u8d22\uff0c\u521b\u9020\u88ab\u52a8\u6536\u5165\uff1f
\n\u8d2d\u4e70\u5e74\u91d1
\n\u5e74\u91d1\u662f\u4fdd\u9669\u516c\u53f8\u7684\u4e00\u79cd\u957f\u671f\u6295\u8d44\u7684\u4fdd\u9669\u4ea7\u54c1\uff0c\u4e3b\u8981\u662f\u4e3a\u4e86\u89e3\u51b3\u6211\u4eec\u201c\u6d3b\u592a\u4e45\u201d\u7684\u201c\u517b\u8001\u4fdd\u9669\u7bb1\u201d\u3002\u901a\u8fc7\u5e74\u91d1\uff0c\u60a8\u53ef\u4ee5\u5c06\u6295\u5165\u7684\u8d44\u91d1\u8f6c\u6362\u6210\u53ef\u4ee5\u7ec8\u8eab\u9886\u53d6\u7684\u6709\u89c4\u5f8b\u7684\u9636\u6bb5\u6027\u7684\u201c\u6536\u5165\u201d\u3002
\n\u5e74\u91d1\u7684\u597d\u5904\uff0c\u4e3b\u8981\u6709\u4ee5\u4e0b\u51e0\u70b9\uff1a
\n1. \u5177\u6709\u7a0e\u52a1\u4f18\u52bf\u7684\u53e6\u4e00\u79cd\u50a8\u84c4&\u9000\u4f11\u89c4\u5212\u65b9\u5f0f
\n2. \u5982\u679c\u60a8\u6bd4\u8f83\u665a\u5f00\u59cb\u4e3a\u9000\u4f11\u505a\u50a8\u84c4\u548c\u89c4\u5212\uff0c\u5e74\u91d1\u53ef\u4ee5\u5e2e\u60a8\u201c\u8282\u7701\u201d\u65f6\u95f4\u548c\u201c\u52a0\u5feb\u201d\u9000\u4f11\u50a8\u84c4\u79ef\u7d2f\u3002
\n3. \u5e74\u91d1\u5177\u6709\u5ef6\u7a0e\u7684\u529f\u80fd\uff0c\u5e76\u4e14\u53ef\u4ee5\u63d0\u4f9b\u7ec8\u8eab\u7684\u73b0\u91d1\u6d41<\/p>\n

\u5982\u679c\u60a8\u6709\u5927\u7b14\u8d44\u91d1\uff0c\u6bd4\u5982\u4e2d\u4e86\u5f69\u7968\u5927\u5956\uff0c\u90a3\u4e48\u53ef\u4ee5\u62ff\u51fa\u4e00\u90e8\u5206\u8d44\u91d1\u6765\u653e\u5165\u5e74\u91d1\u4e2d\uff0c\u6700\u4f73\u7684\u9009\u62e9\u662f\u5355\u671f\u4fdd\u8d39\u5ef6\u8fdf\u6307\u6570\u578b\u5e74\u91d1\uff08Single Premium Deferred Annuity\uff09, \u5373\u5355\u7b14\u4ed8\u6b3e\uff0c\u4e4b\u540e\u8fdb\u5165\u79ef\u7d2f\u671f\uff08Accumulation Phase\uff09, \u5728\u79ef\u7d2f\u9636\u6bb5\u6240\u79ef\u7d2f\u7684\u5229\u606f\u4e0d\u88ab\u5f81\u7a0e\uff0c\u800c\u662f\u5728\u5e74\u91d1\u5f00\u59cb\u5e74\u5316\uff0c\u5b9a\u671f\u9886\u53d6\u7684\u65f6\u5019\u5f00\u59cb\u7f34\u7a0e\u3002\u5230\u4e86\u53ef\u4ee5\u63d0\u53d6\u7684\u5e74\u9f84\uff0c\u5ba2\u6237\u53ef\u4ee5\u5c06\u8fd9\u7b14\u94b1\u8f6c\u6362\u6210\u5b9a\u671f\u7684\u6709\u89c4\u5f8b\u7684\u73b0\u91d1\u6d41\uff0c\u6bcf\u6708\u6216\u6bcf\u5e74\u9886\u53d6\u4e00\u7b14\uff0c\u76f4\u5230\u7ec8\u8eab\u3002<\/p>\n

\u8d2d\u4e70\u4eba\u5bff\u4fdd\u9669
\n\u9664\u4e86\u8003\u8651\u7a33\u5b9a\u73b0\u91d1\u6d41\u4e4b\u5916\uff0c\u5bb6\u5ead\u4fdd\u969c\u53ca\u63d0\u65e9\u505a\u597d\u4f20\u627f\u7684\u5584\u5168\u51c6\u5907\u4e5f\u5fc5\u987b\u7eb3\u5165\u8003\u91cf\uff01\u8fd9\u65f6\u5019\u4eba\u5bff\u4fdd\u9669\u66f4\u662f\u9ad8\u51c0\u503c\u4eba\u58eb\u4e0d\u53ef\u6216\u7f3a\u7684\u914d\u7f6e\u5de5\u5177\u3002\u53ef\u4ee5\u4e3a\u60a8\u7684\u5bb6\u4eba\uff08\u53d7\u76ca\u4eba\uff09\u63d0\u4f9b\u4fdd\u969c
\n\u53ef\u4ee5\u79ef\u7d2f\u73b0\u91d1\u4ef7\u503c\uff0c\u867d\u7136\u4e0d\u540c\u7c7b\u578b\u7684\u4ea7\u54c1\u91cc\u9762\u73b0\u91d1\u4ef7\u503c\u7684\u79ef\u7d2f\u65b9\u5f0f\u4e0d\u592a\u76f8\u540c\uff1a
\n– Whole 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
\n– Universal life\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\u8d39\u5e74\u9650\uff0c\u6700\u91cd\u8981\u7684\u662fIUL\u53c2\u8003\u6307\u6570\u7b56\u7565\uff0c\u5e02\u573a\u4e0d\u597d\u7684\u65f6\u5019\uff0c\u73b0\u91d1\u589e\u957f\u4e0d\u4f1a\u4e3a\u8d1f\u6570\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
\n1. \u7a0e\u52a1\u7684\u4f18\u52bf\uff1a\u6709\u73b0\u91d1\u4ef7\u503c\u7684\u5bff\u9669\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\u505a\u5230\u4e0d\u4ea7\u751f\u7eb3\u7a0e\u4e49\u52a1\u7684\u60c5\u51b5\u4e0b\u63d0\u53d6\u73b0\u91d1\u4ef7\u503c\u3002\u4f46\u8981\u6ce8\u610f\u5343\u4e07\u4e0d\u8981\u8ba9\u4fdd\u5355\u5728\u8d37\u6b3e\u540e\u5931\u6548\u3002
\n2. \u751f\u524d\u798f\u5229\uff1a\u6709\u7684\u4fdd\u9669\u516c\u53f8\u8fd8\u4f1a\u63d0\u4f9b\u672b\u671f\u75be\u75c5\uff0c\u91cd\u5927\u75be\u75c5\uff0c\u6162\u6027\u75be\u75c5\u7684\u751f\u524d\u798f\u5229\u6761\u6b3e\uff0c\u5373\u6211\u4eec\u7ecf\u5e38\u8bf4\u7684\u201c\u6d3b\u7740\u5c31\u80fd\u7528\u7684\u4eba\u5bff\u4fdd\u9669\u201d\u3002
\n\u5229\u7528\u4fe1\u6258
\n\u9664\u4e86\u4ee5\u4e0a\u7684\u8d22\u52a1\u5de5\u5177\uff0c\u8fd8\u9700\u8981\u8003\u8651\u4fe1\u6258\u7684\u6846\u67b6\u6765\u4fdd\u62a4\u8d44\u4ea7\u7684\u5468\u5168\u53ca\u505a\u597d\u5b8c\u5168\u7684\u7a0e\u52a1\u89c4\u5212\u3002\u5bf9\u4e8e\u9ad8\u6de8\u503c\u4eba\u58eb\uff0c\u7ed3\u5408\u4e0d\u53ef\u64a4\u9500\u4fe1\u6258\u66f4\u53ef\u4ee5\u964d\u4f4e\u9057\u4ea7\u7a0e\u7684\u7591\u8651\u3002
\n\u4fe1\u6258\u662f\u4e00\u79cd\u6cd5\u5f8b\u5951\u7ea6\uff0c\u4fe1\u6258\u8bbe\u7acb\u4eba(Grantor)\u8bbe\u7acb\u4fe1\u6258\uff0c\u628a\u8d22\u4ea7\u653e\u5728\u4fe1\u8a17\u4e2d\u3002\u540d\u4e49\u4e0a\uff0c\u5df2\u7ecf\u653e\u5230\u4fe1\u6258\u4e2d\u7684\u8d22\u4ea7\u5c5e\u4e8e\u4fe1\u6258\u6240\u6709\u3002\u4fe1\u6258\u6709\u4e09\u65b9\uff1a\u8bbe\u7acb\u4eba\uff08grantor\uff09, \u59d4\u6258\u4eba\u6216\u6267\u884c\u4eba\uff08trustee\uff09\u548c\u53d7\u76ca\u4eba\uff08beneficiary\uff09\u3002\u8bbe\u7acb\u4eba\u4e3a\u7b2c\u4e09\u65b9\uff08\u53d7\u76ca\u4eba\uff09\u7684\u5229\u76ca\u628a\u8d22\u4ea7\u653e\u5230\u4fe1\u8a17\u4e2d\uff0c\u7531\u59d4\u6258\u4eba\u6839\u636e\u8bbe\u7acb\u4eba\u7684\u9057\u613f\u6765\u7ba1\u7406\u548c\u5206\u914d\u8d22\u4ea7\u3002\u4e00\u822c\u5206\u4e3a\uff0c\u53ef\u64a4\u9500\u4fe1\u6258\u548c\u4e0d\u53ef\u64a4\u9500\u4fe1\u6258\uff1b\u751f\u524d\u4fe1\u6258\u548c\u751f\u540e\u4fe1\u6258\u3002
\n\u4fe1\u6258\u901a\u5e38\u5ba2\u6237\u907f\u514d\u9057\u5631\u8ba4\u8bc1\uff0c\u56e0\u6b64\u53d7\u76ca\u4eba\u53ef\u80fd\u4f1a\u6bd4\u4f7f\u7528\u9057\u5631\u8f6c\u8ba9\u66f4\u5feb\u5730\u83b7\u5f97\u8d44\u4ea7\u3002\u4fe1\u6258\u4e2d\u7684\u8d44\u4ea7\u4e5f\u53ef\u4ee5\u5728\u9057\u5631\u8ba4\u8bc1\u4e4b\u5916\u8f6c\u79fb\uff0c\u4ece\u800c\u8282\u7701\u65f6\u95f4\uff0c\u6cd5\u5ead\u8d39\u7528\uff0c\u5e76\u53ef\u80fd\u51cf\u5c11\u9057\u4ea7\u7a0e\u3002
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\"\"<\/p>\n

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