{"id":424473,"date":"2024-06-14T19:37:27","date_gmt":"2024-06-15T02:37:27","guid":{"rendered":"https:\/\/icitynews.com\/?p=424473"},"modified":"2024-06-14T19:37:27","modified_gmt":"2024-06-15T02:37:27","slug":"%e6%9c%aa%e6%9d%a5%e6%97%a0%e5%bf%a7%ef%bc%9a%e5%a6%82%e4%bd%95%e5%ae%9a%e5%88%b6%e4%bd%a0%e7%9a%84%e4%ba%ba%e5%af%bf%e4%bf%9d%e9%99%a9%e7%ad%96%e7%95%a5","status":"publish","type":"post","link":"https:\/\/icitynews.com\/?p=424473","title":{"rendered":"\u672a\u6765\u65e0\u5fe7\uff1a\u5982\u4f55\u5b9a\u5236\u4f60\u7684\u4eba\u5bff\u4fdd\u9669\u7b56\u7565"},"content":{"rendered":"<p><strong>\u672a\u6765\u65e0\u5fe7\uff1a\u5982\u4f55\u5b9a\u5236\u4f60\u7684\u4eba\u5bff\u4fdd\u9669\u7b56\u7565<br \/>\n<\/strong>\u5728\u7f8e\u56fd\uff0c\u8d2d\u4e70\u7ec8\u8eab\u578b\u4eba\u5bff\u4fdd\u9669\u4fdd\u5355\u7684\u65f6\u5019\u6211\u4eec\u901a\u5e38\u4f1a\u770b\u5230\u4fdd\u9669\u516c\u53f8\u63d0\u4f9b\u7684\u4e0d\u540c\u9009\u62e9\uff1a\u5141\u8bb8\u6295\u4fdd\u4eba\u9009\u62e9\u6301\u5e73\u7684\u8eab\u6545\u8d54\u507f\u91d1\u989d\uff08Level\uff09\u6216\u9010\u6b65\u589e\u52a0\u7684\u8eab\u6545\u8d54\u507f\u91d1\u989d\uff08Increasing\uff09\u3002\u8fd9\u4e9b\u9009\u9879\u901a\u5e38\u7531\u4fdd\u9669\u516c\u53f8\u5206\u522b\u79f0\u4e3aOption 1\u6216Option 2\uff0c\u6216Option A\u6216Option B\u3002\u8fd9\u4e24\u79cd\u9009\u62e9\u4e4b\u95f4\u6709\u4ec0\u4e48\u6837\u7684\u4e3b\u8981\u533a\u522b? \u672c\u6587\u5c06\u8be6\u7ec6\u4ecb\u7ecd\u6bcf\u79cd\u9009\u62e9\u7684\u7279\u70b9\u548c\u9002\u7528\u60c5\u5883\uff0c\u5e2e\u52a9\u60a8\u5728\u9009\u62e9\u5408\u9002\u7684\u4fdd\u5355\u65f6\u505a\u51fa\u660e\u667a\u7684\u51b3\u7b56\u3002<\/p>\n<p><strong><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-424474\" src=\"https:\/\/icitynews.com\/wp-content\/uploads\/2024\/06\/image001.png\" alt=\"\" width=\"397\" height=\"89\" \/>\u4fdd\u989d\u9009\u9879Level\u662f\u4ec0\u4e48\u610f\u601d\uff1f<br \/>\n<\/strong>\u5728Level\u9009\u9879\uff08Option 1\uff09\u4e2d\uff0c\u6295\u4fdd\u4eba\u53ef\u4ee5\u6307\u5b9a\u4e00\u4e2a\u7279\u5b9a\u7684\u4fdd\u9669\u91d1\u989d\uff08Specified Amount\uff09\uff0c\u800c\u8fd9\u4e2a\u91d1\u989d\u901a\u5e38\u5728\u65e9\u671f\u662f\u4e00\u4e2a\u56fa\u5b9a\u6570\u5b57\u3002\u6b7b\u4ea1\u8d54\u507f\u91d1\uff08Death Benefit\uff09\u7b49\u4e8e\u73b0\u91d1\u4ef7\u503c\uff08Cash Value\uff09\u52a0\u4e0a\u5269\u4f59\u7684\u51c0\u98ce\u9669\u4fdd\u969c\u989d\uff08Pure Insurance\uff09\u3002\u5982\u679c\u73b0\u91d1\u4ef7\u503c\u5728\u4fdd\u5355\u5230\u671f\u524d\u63a5\u8fd1\u4fdd\u5355\u7684\u4fdd\u989d\uff0c\u5219\u5728\u73b0\u91d1\u4ef7\u503c\u4e4b\u5916\u4fdd\u7559\u989d\u5916\u7684\u4fdd\u9669\u91d1\u989d\uff0c\u79f0\u4e3aCorridor\uff08\u4fdd\u62a4\u533a\u95f4\uff09\uff0c\u5982\u56fe\u6240\u793a\u3002\u968f\u7740\u65f6\u95f4\u7684\u63a8\u79fb\uff0c\u4fdd\u5355\u91cc\u7684\u73b0\u91d1\u503c\u8d8a\u6765\u8d8a\u591a\uff0c\u6295\u4fdd\u4eba\u5411\u4fdd\u9669\u516c\u53f8\u8d2d\u4e70\u7684\u98ce\u9669\u4fdd\u969c\u989d(Pure Insurance)\u5c31\u8d8a\u6765\u8d8a\u5c11\u3002<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-424475\" src=\"https:\/\/icitynews.com\/wp-content\/uploads\/2024\/06\/image003-1.png\" alt=\"\" width=\"310\" height=\"264\" \/><\/p>\n<p>\u5728\u4eba\u5bff\u4fdd\u9669\u4e2d\uff0c\u201cCorridor\u201d\u901a\u5e38\u88ab\u7ffb\u8bd1\u4e3a\u201c\u4fdd\u62a4\u533a\u95f4\u201d\u6216\u201c\u4fdd\u62a4\u5e26\u201d\u3002\u8fd9\u4e2a\u672f\u8bed\u7528\u4e8e\u63cf\u8ff0\u5728\u4e07\u80fd\u5bff\u9669\uff08Universal Life Insurance\uff09\u4e2d\uff0c\u4fdd\u5355\u7684\u73b0\u91d1\u4ef7\u503c\u548c\u6b7b\u4ea1\u8d54\u507f\u91d1\u989d\u4e4b\u95f4\u5fc5\u987b\u4fdd\u6301\u7684\u4e00\u5b9a\u8ddd\u79bb\uff08\u533a\u95f4\uff09\u3002\u5177\u4f53\u6765\u8bf4\uff0c\u4fdd\u62a4\u533a\u95f4\u7684\u8bbe\u7f6e\u662f\u4e3a\u4e86\u9075\u5b88\u7f8e\u56fd\u56fd\u7a0e\u5c40\uff08IRS\uff09\u7684\u89c4\u5b9a\uff0c\u4ee5\u786e\u4fdd\u4fdd\u5355\u4ecd\u7136\u88ab\u89c6\u4e3a\u4eba\u5bff\u4fdd\u9669\u800c\u4e0d\u662f\u6295\u8d44\u5de5\u5177\uff0c\u4ece\u800c\u4eab\u53d7\u7a0e\u6536\u4f18\u60e0\u3002<\/p>\n<p><strong>\u5728Level\u9009\u9879\u7684\u4fdd\u5355\u4e2d\uff0c\u73b0\u91d1\u4ef7\u503c\u4e0d\u4f1a\u8d85\u8fc7\u4fdd\u5355\u7684\u4fdd\u989d<\/strong>\uff0c\u56e0\u6b64\u5728\u672a\u63d0\u53d6\u73b0\u91d1\u4ef7\u503c\u7684\u60c5\u51b5\u4e0b\uff0c\u4fdd\u5355\u7684\u6b7b\u4ea1\u8d54\u507f\u91d1\u989d\u5728\u540e\u671f\u901a\u5e38\u4f1a\u8d85\u8fc7\u4fdd\u5355\u7684\u521d\u59cb\u4fdd\u989d\uff0c\u4e5f\u5c31\u662f\u4e3a\u4ec0\u4e48\u6211\u4eec\u4f1a\u5728\u8ba1\u5212\u4e66\u4e2d\u770b\u5230\u5728\u4fdd\u5355\u5f00\u59cb\u7684\u4e00\u5b9a\u5e74\u9650\u540e\uff0c\u5728\u6536\u76ca\u826f\u597d\u7684\u60c5\u51b5\u4e0b\u4fdd\u989d\u6709\u53ef\u80fd\u4f1a\u5f00\u59cb\u51fa\u73b0\u589e\u957f\u3002<\/p>\n<p><strong><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-424476\" src=\"https:\/\/icitynews.com\/wp-content\/uploads\/2024\/06\/image005-1.png\" alt=\"\" width=\"692\" height=\"592\" \/>\u4fdd\u989d\u9009\u9879Increasing\u662f\u4ec0\u4e48\u610f\u601d\uff1f<br \/>\n<\/strong>\u5728Increasing\u9009\u9879\uff08Option 2\uff09\u4e2d\uff0c\u6b7b\u4ea1\u8d54\u507f\u91d1\uff08Death Benefit\uff09\u7b49\u4e8e\u51c0\u98ce\u9669\u4fdd\u969c\u989d\uff08Pure Insurance\uff09\u52a0\u4e0a\u73b0\u91d1\u4ef7\u503c\uff08Cash Value\uff09\u3002\u4e3a\u4e86\u7b26\u5408\u7a0e\u6cd5\u5bf9\u4eba\u5bff\u4fdd\u9669\u7684\u5b9a\u4e49\uff0c\u73b0\u91d1\u4ef7\u503c\u9700\u8981\u548cDeath Benefit\u6210\u6bd4\u4f8b\u5730\u8fdb\u884c\u589e\u957f\uff08\u5982\u56fe\u6240\u793a\uff09\u3002<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-424477\" src=\"https:\/\/icitynews.com\/wp-content\/uploads\/2024\/06\/image007.png\" alt=\"\" width=\"322\" height=\"266\" \/><\/p>\n<p>\u4ece\u56fe\u4e2d\u53ef\u4ee5\u770b\u51fa\uff0c\u5728\u8bbe\u8ba1\u4e3aIncreasing\u7684\u4fdd\u5355\u91cc\uff0c\u6295\u4fdd\u4eba\u4e00\u76f4\u5728\u5411<a href=\"https:\/\/thelifetank.com\/company\/\">\u4fdd\u9669\u516c\u53f8<\/a>\u8d2d\u4e70\u51c0\u98ce\u9669\u4fdd\u989d\u3002\u800c\u73b0\u91d1\u503c\u589e\u957f\u7a0b\u5ea6\uff0c\u53d6\u51b3\u4e8e\u4ed8\u4e86\u591a\u5c11\u4fdd\u8d39\u3002\u5982\u679c\u7f34\u4ed8\u7684\u4fdd\u8d39\u91d1\u989d\uff0c\u8ddf\u524d\u9762Level\u4fdd\u5355\u7f34\u4ed8\u7684\u91d1\u989d\u4e00\u6837\u7684\u8bdd\uff0c\u7531\u4e8eIncreasing\u60c5\u51b5\u4e0b\u6bcf\u6708\u8d2d\u4e70\u7684\u51c0\u98ce\u9669\u4fdd\u969c\u989d(Pure Insurance)\u4fdd\u6301\u4e0d\u53d8\uff0c\u56e0\u6b64\uff0c\u4fdd\u5355\u7684\u73b0\u91d1\u503c\u4f1a\u6bd4Level\u7684\u4fdd\u5355\u8981\u5c11\u4e00\u4e9b\uff08Level\u4fdd\u5355\u5728\u540e\u671f\u51c0\u98ce\u9669\u4fdd\u969c\u989d\u4f1a\u9010\u6e10\u964d\u4f4e\uff09\u3002<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-424478\" src=\"https:\/\/icitynews.com\/wp-content\/uploads\/2024\/06\/image009.png\" alt=\"\" width=\"684\" height=\"590\" \/><\/p>\n<p><strong>Level <\/strong><strong>\u4e0eIncreasing\u5b9e\u4f8b<br \/>\n<\/strong>\u4ee5\u4e00\u4f4d50\u5c81\u7537\u6027\u4e3a\u4f8b\uff0c\u6295\u4fdd\u4e86\u4e00\u4efd\u4fdd\u989d\u4e3a$1,000,000\u7684\u7f8e\u56fd\u6307\u6570\u578b\u4e07\u80fd\u5bff\u9669\uff08IUL\uff09\uff0c\u5e76\u9009\u62e9\u4e86Level\u4fdd\u989d\u9009\u9879\u3002\u968f\u7740\u65f6\u95f4\u7684\u63a8\u79fb\uff0c\u4fdd\u5355\u7684\u73b0\u91d1\u503c\u8d26\u6237\u9010\u6e10\u7d2f\u79ef\uff0c\u4fdd\u9669\u516c\u53f8\u5b9e\u9645\u627f\u62c5\u7684\u51c0\u98ce\u9669\u4fdd\u969c\u989d\u4f1a\u9010\u6b65\u51cf\u5c11\u3002\u4f8b\u5982\uff0c\u4fdd\u5355\u5341\u5e74\u540e\uff0c\u4fdd\u5355\u7684\u73b0\u91d1\u503c\u589e\u52a0\u5230$100,000\uff0c\u5982\u679c\u6b64\u65f6\u88ab\u4fdd\u4eba\u8eab\u6545\uff0c\u4fdd\u9669\u516c\u53f8\u9700\u8981\u652f\u4ed8\u7684\u8d54\u507f\u989d\u4f9d\u65e7\u662f$1,000,000\uff0c\u5176\u4e2d$900,000\u662f\u51c0\u98ce\u9669\u4fdd\u969c\u989d\uff0c\u53e6\u5916$100,000\u6765\u81ea\u4e8e\u4fdd\u5355\u7684\u73b0\u91d1\u503c\u3002<\/p>\n<p>\u76f8\u6bd4\u4e4b\u4e0b\uff0c\u5982\u679c\u9009\u62e9\u4e86Increasing\u4fdd\u989d\u9009\u9879\uff0c\u88ab\u4fdd\u4eba\u8eab\u6545\u65f6\uff0c\u4fdd\u9669\u516c\u53f8\u652f\u4ed8\u7684\u8d54\u507f\u989d\u662f\u4fdd\u5355\u9762\u503c\u52a0\u4e0a\u7d2f\u79ef\u7684\u73b0\u91d1\u503c\u3002\u4ecd\u4ee5\u4e0a\u8ff0\u4f8b\u5b50\u4e3a\u4f8b\uff0c\u5341\u5e74\u540e\u73b0\u91d1\u503c\u7d2f\u79ef\u5230$100,000\uff0c\u53d7\u4fdd\u4eba\u8eab\u6545\u65f6\uff0c\u7406\u8d54\u91d1\u989d\u5c06\u662f$1,000,000\u7684\u4fdd\u5355\u9762\u503c\u52a0\u4e0a$100,000\u7684\u73b0\u91d1\u503c\uff0c\u603b\u8ba1$1,100,000\u3002<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-424479\" src=\"https:\/\/icitynews.com\/wp-content\/uploads\/2024\/06\/image011.jpg\" alt=\"\" width=\"448\" height=\"240\" \/>\u7531\u6b64\u53ef\u4ee5\u770b\u51fa\uff0c\u5728\u8bbe\u8ba1\u4e3aIncreasing\u7684\u7f8e\u56fd\u4eba\u5bff\u4fdd\u9669\u4e2d\uff0c\u7f8e\u56fd\u4eba\u5bff\u4fdd\u9669\u516c\u53f8\u4e00\u76f4\u5728\u627f\u62c5\u7740$1,000,000\u51c0\u98ce\u9669\u4fdd\u969c\u989d\u3002\u663e\u7136\uff0c\u4fdd\u5355\u4e2d\u7684\u73b0\u91d1\u503c\u7684\u589e\u957f\u5bf9\u4fdd\u989d$1,000,000\u6ca1\u6709\u4efb\u4f55\u5f71\u54cd\u3002\u6362\u8a00\u4e4b\uff0c\u4e0d\u8bba\u6295\u4fdd\u4eba\u7684\u8d26\u6237\u73b0\u91d1\u503c\u589e\u957f\u591a\u5c11\uff0c\u6295\u4fdd\u4eba\u90fd\u9700\u8981\u652f\u4ed8\u4fdd\u989d$1,000,000\u5bf9\u5e94\u7684\u4fdd\u9669\u6210\u672c\u3002\u56e0\u6b64\uff0c\u540c\u7b49\u4fdd\u989d\u7684\u60c5\u51b5\u4e0b\uff0cIncreasing\u4fdd\u5355\u7684\u4fdd\u9669\u6210\u672c\u8981\u9ad8\u4e8eLevel\u4fdd\u5355\u7684\u4fdd\u9669\u6210\u672c\u3002<\/p>\n<p>&nbsp;<\/p>\n<p><strong>\u9009\u62e9Level \u8fd8\u662f Increasing 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