{"id":451719,"date":"2025-07-28T10:22:09","date_gmt":"2025-07-28T17:22:09","guid":{"rendered":"https:\/\/icitynews.com\/?p=451719"},"modified":"2025-07-28T10:22:09","modified_gmt":"2025-07-28T17:22:09","slug":"%e8%b0%81%e9%80%82%e5%90%88%e8%b4%ad%e4%b9%b0%e8%81%94%e5%90%88%e5%af%bf%e9%99%a9%ef%bc%88survivorship-life-insurance%ef%bc%89%ef%bc%9f%e4%bc%98%e5%8a%bf%e4%b8%8e%e5%85%b8%e5%9e%8b%e5%ba%94%e7%94%a8","status":"publish","type":"post","link":"https:\/\/icitynews.com\/?p=451719","title":{"rendered":"\u8c01\u9002\u5408\u8d2d\u4e70\u8054\u5408\u5bff\u9669\uff08Survivorship Life Insurance\uff09\uff1f\u4f18\u52bf\u4e0e\u5178\u578b\u5e94\u7528\u573a\u666f\u5168\u89e3\u6790"},"content":{"rendered":"<p>\u5728\u9ad8\u51c0\u503c\u5bb6\u5ead\u3001\u8de8\u4ee3\u8d44\u4ea7\u4f20\u627f\u4e0e\u4f01\u4e1a\u63a5\u73ed\u7684\u573a\u666f\u4e2d\uff0c\u6709\u4e00\u79cd\u4eba\u5bff\u4fdd\u9669\u7c7b\u578b\u867d\u7136\u4e0d\u5982\u666e\u901a\u4fdd\u5355\u5e38\u89c1\uff0c\u5374\u88ab\u8a89\u4e3a\u201c\u4fe1\u6258\u89c4\u5212\u7684\u9ec4\u91d1\u642d\u6863\u201d\u2014\u2014\u8fd9\u5c31\u662f Survivorship Life Insurance\uff08\u7b2c\u4e8c\u4eba\u6b7b\u4ea1\u578b\u8054\u5408\u5bff\u9669\uff09\u3002\u4eca\u5929\u6211\u4eec\u5c06\u5e26\u60a8\u5168\u9762\u4e86\u89e3\u8fd9\u7c7b\u4ea7\u54c1\u7684\u5b9a\u4e49\u3001\u4f18\u52bf\u3001\u5c40\u9650\u6027\uff0c\u4ee5\u53ca\u54ea\u4e9b\u4eba\u9002\u5408\u8003\u8651\u914d\u7f6e\u3002<\/p>\n<p><strong>\u4ec0\u4e48\u662f<\/strong><strong> Survivorship Life Insurance<\/strong><strong>\uff1f<\/strong><\/p>\n<p>Survivorship Life Insurance\uff0c\u53c8\u79f0\u201c\u7b2c\u4e8c\u4eba\u6b7b\u4ea1\u578b\u5bff\u9669\u201d\u6216\u201c\u8054\u5408\u5bff\u9669\u201d\uff0c\u662f\u4e00\u79cd\u8986\u76d6\u4e24\u4f4d\u88ab\u4fdd\u9669\u4eba\uff08\u901a\u5e38\u4e3a\u592b\u59bb\u6216\u6709\u7ecf\u6d4e\u5173\u8054\u7684\u4e24\u4eba\uff09\u7684\u4fdd\u5355\uff0c\u53ea\u6709\u5728\u4e24\u4eba\u90fd\u53bb\u4e16\u540e\u624d\u8d54\u4ed8\u6b7b\u4ea1\u4fdd\u9669\u91d1\u3002<\/p>\n<p>\u8fd9\u79cd\u8bbe\u8ba1\u4f7f\u5b83\u975e\u5e38\u9002\u7528\u4e8e\u9057\u4ea7\u89c4\u5212\uff08estate planning\uff09\u3001\u8d44\u4ea7\u4f20\u627f\u548c\u9057\u4ea7\u7a0e\u652f\u4ed8\u5b89\u6392\u7b49\u7279\u5b9a\u573a\u666f\u3002\u5c24\u5176\u662f\u5728\u7f8e\u56fd\u7a0e\u5236\u4f53\u7cfb\u4e2d\uff0c\u5f53\u5bb6\u5ead\u603b\u8d44\u4ea7\u8d85\u8fc7\u4e00\u5b9a\u989d\u5ea6\u65f6\uff082025\u5e74\u4e3a\u6bcf\u4eba13.99 million\u7f8e\u5143\uff09\uff0c\u53ef\u80fd\u9762\u4e34\u4e0d\u5c0f\u7684\u7a0e\u8d1f\u3002<\/p>\n<p><strong>Survivorship Life Insurance<\/strong><strong>\u7684\u4f18\u52bf<\/strong><\/p>\n<ol>\n<li><strong>\u4fdd\u8d39\u66f4\u8282\u7701\uff0c\u4fdd\u969c\u6760\u6746\u66f4\u9ad8<\/strong><br \/>\n\u901a\u5e38\uff0c\u540c\u6837\u7684\u4fdd\u989d\u4e0b\uff0cSurvivorship \u4fdd\u5355\u7684\u603b\u4fdd\u8d39\u4f1a\u4f4e\u4e8e\u592b\u59bb\u4e24\u4eba\u5206\u522b\u8d2d\u4e70\u7684\u4e24\u5f20\u7ec8\u8eab\u5bff\u9669\u3002\u8fd9\u662f\u56e0\u4e3a\u4fdd\u9669\u516c\u53f8\u53ea\u9700\u8981\u5728\u7b2c\u4e8c\u4f4d\u88ab\u4fdd\u9669\u4eba\u53bb\u4e16\u540e\u8d54\u4ed8\uff0c\u627f\u62c5\u7684\u98ce\u9669\u8f83\u5c0f\uff0c\u56e0\u6b64\u5b9a\u4ef7\u66f4\u4f18\u5316\u3002\u5bf9\u4e8e\u9884\u7b97\u6709\u9650\u4f46\u5e0c\u671b\u8fbe\u5230\u9ad8\u4fdd\u969c\u989d\u5ea6\u7684\u5bb6\u5ead\uff0c\u8054\u5408\u4fdd\u5355\u662f\u4e00\u79cd\u66f4\u9ad8\u6548\u7684\u65b9\u5f0f\u3002<\/li>\n<li><strong>\u4e00\u65b9\u8eab\u4f53\u72b6\u51b5\u4e0d\u4f73\u4e5f\u53ef\u80fd\u6295\u4fdd<\/strong><br \/>\n\u5982\u679c\u592b\u59bb\u5176\u4e2d\u4e00\u4eba\u56e0\u5065\u5eb7\u539f\u56e0\u88ab\u62d2\u4fdd\u6216\u52a0\u8d39\uff0c\u5355\u72ec\u8d2d\u4e70\u4fdd\u5355\u4f1a\u53d8\u5f97\u56f0\u96be\u6216\u6602\u8d35\u3002Survivorship Life \u5728\u6838\u4fdd\u65f6\u4f1a\u7efc\u5408\u4e24\u4eba\u7684\u4f53\u51b5\uff0c\u56e0\u6b64\u8eab\u4f53\u8f83\u5dee\u7684\u4e00\u65b9\u53ef\u80fd\u4ecd\u80fd\u901a\u8fc7\u4fdd\u5355\u5ba1\u6838\u3002<\/li>\n<li><strong>\u4e13\u4e3a\u9057\u4ea7\u7a0e\u4e0e\u5bb6\u65cf\u4fe1\u6258\u8bbe\u8ba1<\/strong><br \/>\n\u9ad8\u51c0\u503c\u5bb6\u5ead\u5e38\u9762\u4e34\u9057\u4ea7\u7a0e\u4e0e\u8d44\u4ea7\u7ee7\u627f\u95ee\u9898\uff0cSurvivorship Life \u7684\u8d54\u507f\u91d1\u53ef\u4ee5\u76f4\u63a5\u7528\u4e8e\u652f\u4ed8\u9057\u4ea7\u7a0e\u3001\u6e05\u7b97\u7ee7\u627f\u6210\u672c\uff0c\u907f\u514d\u7ee7\u627f\u4eba\u56e0\u7f3a\u4e4f\u6d41\u52a8\u6027\u88ab\u8feb\u51fa\u552e\u4e0d\u52a8\u4ea7\u3001\u4f01\u4e1a\u80a1\u6743\u7b49\u3002\u6b64\u5916\uff0c\u8be5\u4fdd\u5355\u901a\u5e38\u4f1a\u88ab\u7f6e\u4e8e\u4e0d\u53ef\u64a4\u9500\u4fe1\u6258\uff08ILIT\uff09\u4e2d\uff0c\u4f7f\u8d54\u507f\u91d1\u4e0d\u8ba1\u5165\u9057\u4ea7\u603b\u989d\u3001\u5408\u6cd5\u907f\u7a0e\uff0c\u8fd9\u5728\u8d44\u4ea7\u914d\u7f6e\u4e2d\u6781\u5177\u6218\u7565\u4ef7\u503c\u3002<\/li>\n<li><strong>\u957f\u671f\u6784\u5efa\u73b0\u91d1\u503c\u3001\u7075\u6d3b\u4f7f\u7528<\/strong><br \/>\n\u5982\u540c\u5176\u4ed6\u6c38\u4e45\u578b\u5bff\u9669\uff0cSurvivorship Life \u4fdd\u5355\u591a\u6570\u4e3a Whole Life \u6216 Universal Life\uff0c\u53ef\u5728\u4fdd\u5355\u6709\u6548\u671f\u95f4\u9010\u6b65\u7d2f\u79ef\u73b0\u91d1\u503c\u3002\u8fd9\u90e8\u5206\u73b0\u91d1\u503c\u53ef\u5728\u751f\u524d\u901a\u8fc7\u4fdd\u5355\u8d37\u6b3e\u3001\u7d27\u6025\u63d0\u53d6\u7b49\u65b9\u5f0f\u4f7f\u7528\uff0c\u7528\u4e8e\u7167\u987e\u957f\u671f\u75c5\u60a3\u3001\u652f\u4ed8\u7b2c\u4e00\u4f4d\u4f34\u4fa3\u7684\u533b\u7597\u652f\u51fa\u7b49\u3002\u867d\u7136\u63d0\u53d6\u4f1a\u5f71\u54cd\u6700\u7ec8\u8d54\u4ed8\u91d1\u989d\uff0c\u4f46\u4e3a\u5bb6\u5ead\u63d0\u4f9b\u4e86\u989d\u5916\u7684\u6d41\u52a8\u6027\u652f\u6301\u3002<\/li>\n<li><strong>\u652f\u6301\u7279\u6b8a\u9700\u8981\u5bb6\u5c5e\u6216\u957f\u7167\u89c4\u5212<\/strong><br \/>\n\u5bf9\u4e8e\u6709\u957f\u671f\u4f9d\u8d56\u578b\u4eb2\u5c5e\uff08\u5982\u6b8b\u969c\u5b50\u5973\u6216\u5e74\u8fc8\u7236\u6bcd\uff09\u7684\u5bb6\u5ead\u6765\u8bf4\uff0cSurvivorship Life \u53ef\u4ee5\u901a\u8fc7\u8d54\u507f\u91d1\u5efa\u7acb\u201c\u7279\u6b8a\u9700\u8981\u4fe1\u6258\u201d\uff08Special Needs Trust\uff09\uff0c\u5728\u7236\u6bcd\u53cc\u53cc\u79bb\u4e16\u540e\u7ee7\u7eed\u4fdd\u969c\u5f31\u52bf\u5bb6\u5ead\u6210\u5458\u7684\u751f\u6d3b\u8d28\u91cf\u3002\u4e0e\u653f\u5e9c\u798f\u5229\u8ba1\u5212\u5e76\u884c\u4f7f\u7528\uff0c\u4e5f\u80fd\u907f\u514d\u5f71\u54cd\u5176\u8d44\u683c\u3002<\/li>\n<\/ol>\n<p><strong>\u8c01\u9002\u5408\u914d\u7f6e<\/strong><strong> Survivorship Life Insurance<\/strong><strong>\uff1f<\/strong><br \/>\n\u5c3d\u7ba1\u4f18\u70b9\u4f17\u591a\uff0c\u4f46\u9700\u8981\u660e\u786e\u7684\u662f\uff1aSurvivorship \u4fdd\u5355\u4e0d\u4f1a\u5728\u7b2c\u4e00\u4f4d\u4f34\u4fa3\u53bb\u4e16\u65f6\u8d54\u4ed8\u4efb\u4f55\u91d1\u94b1\uff1b\u5982\u679c\u9057\u5c5e\u9700\u8981\u652f\u4ed8\u4e27\u846c\u8d39\u3001\u533b\u7597\u8d26\u5355\u6216\u7ef4\u6301\u751f\u6d3b\u5f00\u652f\uff0c\u5c31\u9700\u8981\u53e6\u8d2d\u5355\u72ec\u4fdd\u5355\u6216\u51c6\u5907\u5e94\u6025\u50a8\u5907\uff1b\u4fdd\u5355\u6838\u4fdd\u901a\u5e38\u8981\u6c42\u4e24\u4eba\u90fd\u5b8c\u6210\u5065\u5eb7\u4f53\u68c0\uff0c\u4f46\u6574\u4f53\u6838\u4fdd\u95e8\u69db\u901a\u5e38\u4f4e\u4e8e\u5206\u522b\u8d2d\u4e70\u3002<\/p>\n<p>\u56e0\u6b64\uff0c\u5982\u679c\u60a8\u7684\u76ee\u6807\u662f\u7167\u987e\u914d\u5076\u751f\u5b58\u671f\u95f4\u7684\u7ecf\u6d4e\u9700\u6c42\uff0c\u90a3\u4e48\u9009\u62e9\u4e2a\u4eba\u4eba\u5bff\u4fdd\u9669\uff08Individual Whole Life \/ Term Life\uff09\u66f4\u4e3a\u9002\u5408\u3002<\/p>\n<p>\u9002\u5408\u914d\u7f6e Survivorship Life Insurance\u7684\u60c5\u51b5\uff1a<\/p>\n<ul>\n<li>\u9ad8\u51c0\u503c\u5bb6\u5ead\uff1a\u7528\u4e8e\u89c4\u907f\u9057\u4ea7\u7a0e\uff0c\u642d\u914d\u4fe1\u6258\uff0c\u5b9e\u73b0\u7a0e\u4f18\u4f20\u627f<\/li>\n<li>\u4e00\u4eba\u5065\u5eb7\u8f83\u5dee\u7684\u5e74\u957f\u592b\u59bb\uff1a\u53ef\u5171\u540c\u6838\u4fdd\u3001\u63d0\u5347\u901a\u8fc7\u7387<\/li>\n<li>\u6709\u957f\u671f\u7167\u62a4\u9700\u6c42\u7684\u5bb6\u5ead\uff1a\u53ef\u8bbe\u7acb\u7279\u6b8a\u4fe1\u6258\u7167\u987e\u6b8b\u969c\u5b50\u5973<\/li>\n<li>\u5bb6\u65cf\u4f01\u4e1a\u4e3b\uff1a\u7528\u4e8e\u80a1\u6743\u7ee7\u627f\u3001\u4f01\u4e1a\u4f20\u627f<\/li>\n<li>\u60f3\u964d\u4f4e\u4fdd\u8d39\u6210\u672c\u8005\uff1a\u76f8\u6bd4\u4e24\u5f20\u5355\u72ec\u4fdd\u5355\u66f4\u8282\u7701\u9884\u7b97<\/li>\n<\/ul>\n<p>Survivorship Life Insurance\u5e76\u975e\u662f\u9002\u5408\u6240\u6709\u4eba\u7684\u4ea7\u54c1\uff0c\u4f46\u5728\u5408\u9002\u7684\u7a0e\u52a1\u7ed3\u6784\u3001\u5bb6\u5ead\u9700\u6c42\u3001\u9057\u4ea7\u89c4\u5212\u80cc\u666f\u4e0b\uff0c\u5b83\u5c31\u662f\u4e0d\u53ef\u66ff\u4ee3\u7684\u914d\u7f6e\u5de5\u5177\u3002\u662f\u5426\u9002\u5408\u60a8\u4e0e\u5bb6\u4eba\uff0c\u5efa\u8bae\u548c\u4e13\u4e1a\u7406\u8d22\u987e\u95ee\u3001\u4fdd\u9669\u89c4\u5212\u5e08\u6c9f\u901a\uff0c\u4ece\u60a8\u7684\u5065\u5eb7\u72b6\u51b5\u3001\u8d44\u4ea7\u7ed3\u6784\u3001\u4f20\u627f\u76ee\u6807\u7efc\u5408\u5224\u65ad\u3002\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<br \/>\n\u58f0\u660e\uff1a<\/p>\n<p>\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\u3002<\/p>\n<p>\u672a\u7ecf\u672c\u516c\u53f8\u6388\u6743\uff0c\u7981\u6b62\u64c5\u81ea\u8f6c\u8f7d\u3001\u590d\u5236\u3001\u6216\u4ee5\u5176\u4ed6\u65b9\u5f0f\u4f7f\u7528\u672c\u516c\u53f8\u6587\u7ae0\u3002\u5bf9\u4e8e\u4efb\u4f55\u672a\u7ecf\u8bb8\u53ef\u7684\u4f7f\u7528\u884c\u4e3a\uff0c\u672c\u516c\u53f8\u5c06\u4fdd\u7559\u8ffd\u7a76\u6cd5\u5f8b\u8d23\u4efb\u7684\u6743\u5229\u3002\u5f15\u7528\u5185\u5bb9\u65f6\uff0c\u8bf7\u52a1\u5fc5\u6ce8\u660e\u51fa\u5904\u3002<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-451720\" src=\"https:\/\/icitynews.com.cn\/wp-content\/uploads\/2025\/07\/\u5965-2.jpg\" alt=\"\" width=\"628\" height=\"355\" \/><\/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=451719\">\u8c01\u9002\u5408\u8d2d\u4e70\u8054\u5408\u5bff\u9669\uff08Survivorship Life Insurance\uff09\uff1f\u4f18\u52bf\u4e0e\u5178\u578b\u5e94\u7528\u573a\u666f\u5168\u89e3\u6790<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>\u5728\u9ad8\u51c0\u503c\u5bb6\u5ead\u3001\u8de8\u4ee3\u8d44\u4ea7\u4f20\u627f\u4e0e\u4f01\u4e1a\u63a5\u73ed\u7684\u573a\u666f\u4e2d\uff0c\u6709\u4e00\u79cd\u4eba\u5bff\u4fdd\u9669\u7c7b\u578b\u867d\u7136\u4e0d\u5982\u666e\u901a\u4fdd\u5355\u5e38\u89c1\uff0c\u5374\u88ab\u8a89\u4e3a\u201c\u4fe1\u6258\u89c4\u5212\u7684\u9ec4\u91d1\u642d\u6863\u201d\u2014\u2014\u8fd9\u5c31\u662f Survivorship Life Insurance\uff08\u7b2c\u4e8c\u4eba\u6b7b\u4ea1\u578b\u8054\u5408 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