{"id":466108,"date":"2026-04-17T18:11:09","date_gmt":"2026-04-18T01:11:09","guid":{"rendered":"https:\/\/icitynews.com\/?p=466108"},"modified":"2026-04-17T18:11:09","modified_gmt":"2026-04-18T01:11:09","slug":"%e6%8c%87%e6%95%b0%e5%9e%8b%e4%b8%87%e8%83%bd%e5%af%bf%e9%99%a9%e5%88%a9%e7%9b%8a%e6%bc%94%e7%a4%ba%e8%a7%84%e8%8c%83%e5%86%8d%e6%9b%b4%e6%96%b0%ef%bc%9a2026%e5%b9%b4%e7%9b%91%e7%ae%a1%e9%87%8d","status":"publish","type":"post","link":"https:\/\/icitynews.com\/?p=466108","title":{"rendered":"\u6307\u6570\u578b\u4e07\u80fd\u5bff\u9669\u5229\u76ca\u6f14\u793a\u89c4\u8303\u518d\u66f4\u65b0\uff1a2026\u5e74\u76d1\u7ba1\u91cd\u70b9\u6709\u54ea\u4e9b\u53d8\u5316"},"content":{"rendered":"<p>\u6700\u8fd1\uff0c\u6307\u6570\u578b\u4e07\u80fd\u5bff\u9669 IUL \u7684 illustration regulation \u518d\u6b21\u6210\u4e3a\u884c\u4e1a\u5173\u6ce8\u7126\u70b9\u3002\u5f88\u591a\u4eba\u4f1a\u95ee\uff1aAG 49\u3001AG 49-A 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illustration\uff08\u5229\u76ca\u6f14\u793a\uff09\u53d8\u5f97\u66f4\u4e00\u81f4\u3001\u66f4\u4fdd\u5b88\u3001\u66f4\u900f\u660e\u3002\u76d1\u7ba1\u771f\u6b63\u5173\u6ce8\u7684\u91cd\u70b9\uff0c\u59cb\u7ec8\u4e0d\u662f\u9650\u5236\u4ea7\u54c1\u8bbe\u8ba1\u672c\u8eab\uff0c\u800c\u662f\u907f\u514d\u5e02\u573a\u5728\u9500\u552e\u8fc7\u7a0b\u4e2d\uff0c\u7528\u8fc7\u5ea6\u4e50\u89c2\u3001\u8fc7\u5ea6\u590d\u6742\uff0c\u751a\u81f3\u5bb9\u6613\u8ba9\u5ba2\u6237\u8bef\u89e3\u7684\u65b9\u5f0f\u53bb\u5c55\u793a\u672a\u6765\u8868\u73b0\u3002<\/p>\n<h2>\u4e3a\u4ec0\u4e48\u6307\u6570\u578b\u4e07\u80fd\u5bff\u9669\u7684\u5229\u76ca\u6f14\u793a\u89c4\u8303\u4f1a\u4e0d\u65ad\u66f4\u65b0<\/h2>\n<p>AG 49 \u6700\u65e9\u7531 NAIC \u4e8e 2015 \u5e74\u91c7\u7528\uff0c\u76ee\u7684\u5c31\u662f\u4e3a\u4e0e\u5916\u90e8\u6307\u6570\u6302\u94a9\u7684\u4eba\u5bff\u4fdd\u9669 illustration 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\u6240\u53d6\u4ee3\uff0c\u7528\u6765\u8fdb\u4e00\u6b65\u89c4\u8303 index-based interest policy \u7684 illustrated scale\u3001policy loan leverage\uff0c\u4ee5\u53ca\u989d\u5916\u62ab\u9732\u8981\u6c42\u3002\u518d\u5f80\u540e\uff0cAG 49-A \u8fd8\u7ecf\u5386\u4e86\u4e24\u8f6e\u91cd\u8981\u4fee\u8ba2\u3002NAIC \u5b98\u65b9\u9875\u9762\u660e\u786e\u5199\u5230\uff1a2023 \u5e74\u7684\u4fee\u8ba2\u91cd\u70b9\u662f\u6536\u7d27 illustration limits\uff1b2026 \u5e74\u7684\u4fee\u8ba2\u91cd\u70b9\u5219\u662f\u5f3a\u5316 consumer-protection disclosures\u3002\u5176\u5b9e\u8fd9\u53e5\u8bdd\u672c\u8eab\uff0c\u5c31\u5df2\u7ecf\u6982\u62ec\u4e86\u6574\u4e2a\u76d1\u7ba1\u903b\u8f91\uff1a\u5148\u5904\u7406<strong>\u201c\u6570\u5b57\u8fc7\u4e8e\u597d\u770b\u201d\u7684\u95ee\u9898\uff0c\u518d\u5904\u7406\u201c\u5ba2\u6237\u662f\u5426\u771f\u6b63\u770b\u61c2\u8fd9\u4e9b\u6570\u5b57\u201d<\/strong>\u7684\u95ee\u9898\u3002<\/p>\n<h2>2026\u5e74\u8fd9\u6b21\u66f4\u65b0\u5230\u5e95\u6539\u4e86\u4ec0\u4e48<\/h2>\n<p>\u548c\u4e0d\u5c11\u4eba\u60f3\u8c61\u7684\u4e0d\u4e00\u6837\uff0c\u8fd9\u6b21\u65b0\u89c4\u4e0d\u662f\u5355\u7eaf\u518d\u53bb\u538b illustrated rate\uff0c\u800c\u662f\u628a\u91cd\u70b9\u8fdb\u4e00\u6b65\u8f6c\u5411\u4e86\u5386\u53f2\u6570\u636e\u3001\u56de\u6d4b\u6570\u636e\u548c\u62ab\u9732\u65b9\u5f0f\u3002\u5bf9\u4e8e 2026 \u5e74 4 \u6708 1 \u65e5\u53ca\u4e4b\u540e\u9500\u552e\u7684\u4fdd\u5355\uff0cbasic illustration \u5728\u5386\u53f2\u8868\u73b0\u5c55\u793a\u4e0a\u6709\u51e0\u9879\u5173\u952e\u65b0\u8981\u6c42\u3002<\/p>\n<ul>\n<li>\u9488\u5bf9\u6bcf\u4e2a illustrated Index Account\uff0c\u539f\u5219\u4e0a\u8981\u5c55\u793a\u6700\u8fd1 25 \u5e74\u7684 annualized actual historical index changes\uff0c\u4ee5\u53ca\u6309\u7167\u5f53\u524d index parameters \u63a8\u5bfc\u51fa\u7684 hypothetical annualized rates of Indexed Credits\uff1b\u5982\u679c\u8be5\u6307\u6570\u7684\u5386\u53f2\u4e0d\u8db3 25 \u5e74\uff0c\u5219\u8868\u683c\u53ea\u663e\u793a\u5176\u5b9e\u9645\u5df2\u6709\u7684\u5386\u53f2\u671f\u95f4\u3002<\/li>\n<li>\u7b2c\u4e8c\uff0c\u5982\u679c\u67d0\u4e2a\u6307\u6570\u7684\u5386\u53f2\u4e0d\u8db3 10 \u5e74\uff0c\u90a3\u4e48\u8fd9\u4e2a\u6307\u6570\u6216\u5bf9\u5e94\u8d26\u6237\u7684\u5386\u53f2\u8868\u683c\u5c06\u4e0d\u80fd\u663e\u793a\u3002<\/li>\n<li>\u7b2c\u4e09\uff0cillustration \u4e2d\u4e0d\u5f97\u518d\u52a0\u5165\u90a3\u4e9b\u628a historical returns\u3001historical averages \u4e0e maximum illustrated rate \u660e\u793a\u6216\u6697\u793a\u5e76\u6392\u6bd4\u8f83\u7684\u8868\u683c\u6216\u6587\u6848\uff0c\u56e0\u4e3a\u76d1\u7ba1\u62c5\u5fc3\u8fd9\u7c7b\u5c55\u793a\u65b9\u5f0f\u4f1a\u524a\u5f31 AG 49-A \u5bf9 maximum illustrated rate \u7684\u9650\u5236\u6548\u679c\u3002\u7b2c\u56db\uff0cbasic illustration \u8fd8\u5fc5\u987b\u52a0\u5165\u66f4\u660e\u786e\u7684\u58f0\u660e\uff0c\u63d0\u9192\u5ba2\u6237\uff1a\u5386\u53f2\u6307\u6570\u53d8\u5316\u5e76\u4e0d\u4ee3\u8868\u672a\u6765\u56de\u62a5\u3002<\/li>\n<\/ul>\n<p>\u8fd9\u7ec4\u53d8\u5316\u80cc\u540e\u7684\u903b\u8f91\u5176\u5b9e\u975e\u5e38\u6e05\u695a\u3002\u76d1\u7ba1\u90e8\u95e8\u5728\u5ba1\u9605\u591a\u5bb6\u516c\u53f8 illustration \u65f6\u53d1\u73b0\uff0c\u4e0d\u540c\u516c\u53f8\u5bf9\u4e8e\u5386\u53f2\u671f\u95f4\u5c55\u793a\u957f\u77ed\u3001historical average \u7684\u5448\u73b0\u65b9\u5f0f\uff0c\u4ee5\u53ca backcasted performance \u7684\u4f7f\u7528\u5dee\u5f02\u5f88\u5927\u3002\u6709\u4e9b\u516c\u53f8\u751a\u81f3\u628a\u591a\u4e2a historical averages \u4e0e maximum illustrated rate \u5e76\u6392\u5c55\u793a\uff0c\u800c\u8fd9\u4e9b historical averages \u53ef\u80fd\u9ad8\u51fa\u540e\u8005 2 \u5230 4 \u500d\u3002\u5bf9\u4e8e\u666e\u901a\u6d88\u8d39\u8005\u6765\u8bf4\uff0c\u8fd9\u79cd\u5448\u73b0\u65b9\u5f0f\u5f88\u5bb9\u6613\u5728\u89c6\u89c9\u548c\u5fc3\u7406\u4e0a\u5f62\u6210\u5bf9\u672a\u6765\u7ed3\u679c\u7684\u4e0d\u5408\u7406\u671f\u5f85\u3002\u4e5f\u5c31\u662f\u8bf4\uff0c\u95ee\u9898\u5df2\u7ecf\u4e0d\u53ea\u662f\u201c\u5408\u4e0d\u5408\u89c4\u201d\uff0c\u800c\u662f\u201c\u5373\u4fbf\u6280\u672f\u4e0a\u5408\u89c4\uff0c\u662f\u5426\u4ecd\u7136\u53ef\u80fd\u8bef\u5bfc\u6d88\u8d39\u8005\u201d\u3002<\/p>\n<h2>\u65b0\u89c4\u4e4b\u4e0b\uff0c\u884c\u4e1a\u9500\u552e\u4e0e\u5ba2\u6237\u7406\u89e3\u4f1a\u53d1\u751f\u4ec0\u4e48\u53d8\u5316<\/h2>\n<p>\u5bf9\u4fdd\u9669\u516c\u53f8\u548c\u4e1a\u52a1\u5458\u6765\u8bf4\uff0c\u8fd9\u8f6e\u53d8\u5316\u5e26\u6765\u7684\u5f71\u54cd\uff0c\u66f4\u591a\u4f1a\u4f53\u73b0\u5728 illustration system\u3001sales material\u3001training \u548c compliance wording \u4e0a\uff0c\u800c\u4e0d\u5e94\u88ab\u7b80\u5355\u7406\u89e3\u6210\u201c\u4ea7\u54c1\u672c\u8eab\u5168\u53d8\u4e86\u201d\u3002\u5f88\u591a\u4ea7\u54c1\u673a\u5236\u672a\u5fc5\u53d1\u751f\u6839\u672c\u6027\u6539\u53d8\uff0c\u4f46\u672a\u6765\u9500\u552e\u65f6\uff0c\u4e0d\u80fd\u518d\u53ea\u56f4\u7ed5 illustrated rate \u8c01\u9ad8\u8c01\u4f4e\u6765\u5c55\u5f00\uff0c\u800c\u662f\u8981\u66f4\u91cd\u89c6\u51e0\u4e2a\u6838\u5fc3\u95ee\u9898\uff1a\u4ea7\u54c1\u673a\u5236\u662f\u5426\u8bb2\u6e05\u695a\u3001\u5ba2\u6237\u9884\u671f\u662f\u5426\u5408\u7406\u3001\u62ab\u9732\u662f\u5426\u5b8c\u6574\u3001\u8868\u8fbe\u65b9\u5f0f\u662f\u5426\u5408\u89c4\u3002<\/p>\n<p><strong>\u8fd9\u5176\u5b9e\u610f\u5473\u7740\uff0cIUL \u7684\u9500\u552e\u91cd\u70b9\u6b63\u5728\u53d1\u751f\u4e00\u4e2a\u5f88\u91cd\u8981\u7684\u8f6c\u79fb\u3002\u8fc7\u53bb\uff0c\u5f88\u591a\u5e02\u573a\u6bd4\u8f83\u5bb9\u6613\u628a\u6ce8\u610f\u529b\u653e\u5728\u201c\u54ea\u4e2a\u6570\u5b57\u66f4\u9ad8\u201d\u201c\u54ea\u4e2a\u5efa\u8bae\u4e66\u66f4\u597d\u770b\u201d\u4e0a\uff1b\u800c\u5728\u65b0\u89c4\u4e4b\u4e0b\uff0c\u771f\u6b63\u6709\u7ade\u4e89\u529b\u7684\uff0c\u4e0d\u518d\u53ea\u662f\u80fd\u628a\u6570\u5b57\u505a\u5f97\u66f4\u6f02\u4eae\uff0c\u800c\u662f\u80fd\u4e0d\u80fd\u628a\u4ea7\u54c1\u8bb2\u5f97\u66f4\u771f\u5b9e\u3001\u66f4\u900f\u660e\u3001\u66f4\u5bb9\u6613\u88ab\u5ba2\u6237\u7406\u89e3\u3002<\/strong><\/p>\n<p>\u5bf9\u4e8e\u4ece\u4e1a\u4eba\u5458\u6765\u8bf4\uff0c\u8fd9\u4e0d\u4ec5\u662f\u5408\u89c4\u5c42\u9762\u7684\u8981\u6c42\uff0c\u4e5f\u662f\u4e13\u4e1a\u80fd\u529b\u7684\u4f53\u73b0\u3002\u56e0\u4e3a\u8d8a\u662f\u5728\u89c4\u8303\u8d8b\u4e25\u7684\u73af\u5883\u4e0b\uff0c\u8d8a\u4e0d\u80fd\u4f9d\u8d56\u201c\u6f14\u793a\u597d\u770b\u201d\u53bb\u63a8\u52a8\u9500\u552e\uff0c\u800c\u66f4\u8981\u4f9d\u8d56\u5bf9\u4ea7\u54c1\u673a\u5236\u3001\u98ce\u9669\u8fb9\u754c\u548c\u957f\u671f\u89c4\u5212\u903b\u8f91\u7684\u89e3\u91ca\u80fd\u529b\u3002<\/p>\n<p>\u4ece\u5ba2\u6237\u7684\u89d2\u5ea6\u6765\u770b\uff0c\u8fd9\u8f6e\u53d8\u5316\u5176\u5b9e\u4e5f\u672a\u5fc5\u662f\u574f\u4e8b\u3002\u5bf9\u4e8e\u771f\u6b63\u9002\u5408 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