{"id":5178,"date":"2021-05-21T23:45:14","date_gmt":"2021-05-22T06:45:14","guid":{"rendered":"https:\/\/smcovered.com\/?p=5178"},"modified":"2023-09-12T14:56:53","modified_gmt":"2023-09-12T21:56:53","slug":"%e7%be%8e%e5%9b%bd%e4%ba%ba%e5%af%bf%e4%bf%9d%e9%99%a9%e6%8c%87%e5%8d%97","status":"publish","type":"post","link":"https:\/\/smcovered.com\/cn\/%e7%be%8e%e5%9b%bd%e4%ba%ba%e5%af%bf%e4%bf%9d%e9%99%a9%e6%8c%87%e5%8d%97\/","title":{"rendered":"\u7f8e\u56fd\u4eba\u5bff\u4fdd\u9669\u6307\u5357 \uff5c\u79cd\u7c7b\u3001\u529f\u80fd\u3001\u4ef7\u683c\u3001\u6295\u4fdd\u6d41\u7a0b\u4ecb\u7ecd"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"5178\" class=\"elementor elementor-5178\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-486c340 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"486c340\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2b116411\" data-id=\"2b116411\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-be19b52 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"be19b52\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-771ccd7\" data-id=\"771ccd7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-19a8f95 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"19a8f95\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1f66f2e\" data-id=\"1f66f2e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-477a848 elementor-widget elementor-widget-text-editor\" data-id=\"477a848\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div 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data-elementor-id=\"5345\" class=\"elementor elementor-5345\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-34150690 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"34150690\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;none&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-127a3775\" data-id=\"127a3775\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;none&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2b293174 elementor-widget__width-inherit elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"2b293174\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">\u7f8e\u56fd\u4eba\u5bff\u4fdd\u9669\u6307\u5357 \uff5c\u79cd\u7c7b\u3001\u529f\u80fd\u3001\u4ef7\u683c\u3001\u6295\u4fdd\u6d41\u7a0b\u4ecb\u7ecd<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-12de1ff8 elementor-align-center elementor-widget elementor-widget-post-info\" data-id=\"12de1ff8\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-542998e elementor-inline-item\" itemprop=\"datePublished\">\n\t\t\t\t\t\t<a href=\"https:\/\/smcovered.com\/cn\/2021\/05\/21\/\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-date\">\n\t\t\t\t\t\t\t\t\t\t<time>May 21, 2021<\/time>\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-74e23fb8 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"74e23fb8\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;none&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-13dd02e4\" data-id=\"13dd02e4\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2eee7392 elementor-widget elementor-widget-text-editor\" data-id=\"2eee7392\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<span style=\"color: #3e3e3e; font-family: Lato; font-size: 25px; letter-spacing: 1px; text-align: justify;\">\u5728\u7f8e\u56fd\u7684\u540c\u5b66\u4e00\u5b9a\u4f1a\u7559\u610f\u5230\u751f\u6d3b\u4e2d\u5404\u79cd\u5404\u6837\u7684\u4fdd\u9669\uff0c\u4ece\u533b\u7597\u5065\u5eb7\u4fdd\u9669\uff0c\u5230\u79df\u623f\u4fdd\u9669\uff0c\u6c7d\u8f66\u4fdd\u9669\uff0c\u5ba0\u7269\u4fdd\u9669\u2026 \u4fdd\u9669\u8986\u76d6\u4e86\u751f\u6d3b\u7684\u65b9\u65b9\u9762\u9762\uff0c\u53ef\u5f88\u5c11\u6709\u540c\u5b66\u4f1a\u6ce8\u610f\u5230\u4eba\u5bff\u4fdd\u9669\u3002<\/span>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-4dcf9ee1 elementor-widget elementor-widget-image\" data-id=\"4dcf9ee1\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"851\" height=\"326\" src=\"https:\/\/smcovered.com\/cn\/wp-content\/uploads\/2021\/05\/never-heard-life-insurance-1.png\" class=\"attachment-large size-large wp-image-4801\" alt=\"\" srcset=\"https:\/\/smcovered.com\/cn\/wp-content\/uploads\/2021\/05\/never-heard-life-insurance-1.png 851w, https:\/\/smcovered.com\/cn\/wp-content\/uploads\/2021\/05\/never-heard-life-insurance-1-300x115.png 300w, https:\/\/smcovered.com\/cn\/wp-content\/uploads\/2021\/05\/never-heard-life-insurance-1-768x294.png 768w\" sizes=\"(max-width: 851px) 100vw, 851px\" title=\"\">\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-18bc04d5 elementor-widget elementor-widget-text-editor\" data-id=\"18bc04d5\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>\u5927\u5bb6\u901a\u5e38\u89c9\u5f97\u4eba\u5bff\u4fdd\u9669\u5e94\u8be5\u662f\u81ea\u5df1\u672a\u6765\u51e0\u5341\u5e74\u4e4b\u540e\u624d\u8981\u64cd\u5fc3\u7684\u4e8b\u60c5\uff0c\u4f46\u56e0\u4e3a<strong>\u4eba\u5bff\u4fdd\u9669\u7684\u4fdd\u8d39\u548c\u5e74\u9f84\u76f4\u63a5\u6302\u94a9<\/strong><strong>\uff08<span style=\"color: #AD0000;\">\u5e74\u9f84\u8d8a\u5c0f\u4fdd\u8d39\u8d8a\u4f4e<\/span>\uff09<\/strong>\uff0c\u6240\u4ee5\u4f5c\u4e3a\u5e74\u8f7b\u4eba\u7684\u6211\u4eec\u5728\u5177\u5907\u5e74\u9f84\u4f18\u52bf\u7684\u65f6\u5019\u4e0d\u59a8\u5148\u6765\u4e86\u89e3\u4e00\u4e0b\u7f8e\u56fd\u4eba\u5bff\u4fdd\u9669\u7684\u76f8\u5173\u77e5\u8bc6\u3002<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-648c8ff9 elementor-widget elementor-widget-text-editor\" data-id=\"648c8ff9\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:50}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>\u672c\u6587\u5c06\u56de\u7b54\u4f60\u6700\u9700\u8981\u4e86\u89e3\u76844\u4e2a\u77e5\u8bc6\uff1a<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-202b582d elementor-widget elementor-widget-text-editor\" data-id=\"202b582d\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"color: #800000;\"><strong>1<\/strong><strong>.<\/strong><\/span>\u00a0\u4f60\u6709\u54ea\u4e9b\u9009\u62e9\uff1f<\/p><p>\u00a0\u00a0\u00a0\u00a0\ud83d\udc49<strong>\u4eba\u5bff\u4fdd\u9669\u79cd\u7c7b\u4ecb\u7ecd<\/strong><\/p><p><span style=\"color: #800000;\"><strong>2.<\/strong><\/span>\u00a0\u4eba\u5bff\u4fdd\u9669\u80fd\u4e3a\u4f60\u505a\u4ec0\u4e48\uff1f<\/p><p>\u00a0\u00a0\u00a0\u00a0\ud83d\udc49<strong>\u4eba\u5bff\u4fdd\u9669\u529f\u80fd\u4ecb\u7ecd<\/strong><\/p><p><span style=\"color: #800000;\"><strong>3.<\/strong><\/span>\u00a0\u4ec0\u4e48\u65f6\u5019\u80fd\u4e70\u5230\u6027\u4ef7\u6bd4\u6700\u9ad8\u7684\u4eba\u5bff\u4fdd\u9669\uff1f<\/p><p>\u00a0\u00a0\u00a0\u00a0<strong>\ud83d\udc49\u5f71\u54cd\u4eba\u5bff\u4fdd\u9669\u4ef7\u683c\u56e0\u7d20<\/strong><\/p><p><span style=\"color: #800000;\"><strong>4.<\/strong>\u00a0<\/span>\u6211\u53bb\u54ea\u91cc\u53ef\u4ee5\u8d2d\u4e70\uff1f<\/p><p>\u00a0\u00a0\u00a0<strong>\u00a0\ud83d\udc49\u4eba\u5bff\u4fdd\u9669\u6295\u4fdd\u6d41\u7a0b<\/strong><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2f9beb54 elementor-widget elementor-widget-image\" data-id=\"2f9beb54\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"910\" height=\"55\" src=\"https:\/\/smcovered.com\/cn\/wp-content\/uploads\/2021\/05\/feature-line.png\" class=\"attachment-large size-large wp-image-4779\" alt=\"\" srcset=\"https:\/\/smcovered.com\/cn\/wp-content\/uploads\/2021\/05\/feature-line.png 910w, https:\/\/smcovered.com\/cn\/wp-content\/uploads\/2021\/05\/feature-line-300x18.png 300w, https:\/\/smcovered.com\/cn\/wp-content\/uploads\/2021\/05\/feature-line-768x46.png 768w\" sizes=\"(max-width: 910px) 100vw, 910px\" title=\"\">\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6ac4da28 elementor-widget elementor-widget-image\" data-id=\"6ac4da28\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"912\" height=\"259\" src=\"https:\/\/smcovered.com\/cn\/wp-content\/uploads\/2021\/05\/life-insurance-types-intro-1.png\" class=\"attachment-large size-large wp-image-4783\" alt=\"\" srcset=\"https:\/\/smcovered.com\/cn\/wp-content\/uploads\/2021\/05\/life-insurance-types-intro-1.png 912w, https:\/\/smcovered.com\/cn\/wp-content\/uploads\/2021\/05\/life-insurance-types-intro-1-300x85.png 300w, https:\/\/smcovered.com\/cn\/wp-content\/uploads\/2021\/05\/life-insurance-types-intro-1-768x218.png 768w\" sizes=\"(max-width: 912px) 100vw, 912px\" title=\"\">\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4f4c19e8 elementor-widget elementor-widget-text-editor\" data-id=\"4f4c19e8\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:50}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>\u7f8e\u56fd\u4eba\u5bff\u4fdd\u9669\u4e3b\u8981\u5206\u4e3a\u4e24\u7c7b\uff1a<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4ecf8813 elementor-widget elementor-widget-text-editor\" data-id=\"4ecf8813\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<strong>Term Life \u5b9a\u671f\u5bff\u9669<\/strong>\n\n<span style=\"color: #AD0000;\"><strong>\u4fdd\u9669\u5728\u4e00\u6bb5\u65f6\u95f4\u5185\uff08\u901a\u5e38\u662f10\u5e74\u300115\u5e74\u300120\u5e74\u621630\u5e74\uff09\uff0c\u4ee5\u56fa\u5b9a\u7684\u4fdd\u8d39\u63d0\u4f9b\u4fdd\u969c\uff0c<\/strong><\/span><strong><span style=\"color: #ad0000;\">\u4fdd\u5355\u5230\u671f\u5219\u5931\u6548\u3002<\/span><\/strong>Term\u5bff\u9669\u662f\u5bf9\u4eba\u8eab\u610f\u5916\u53bb\u4e16\u60c5\u51b5\u6700\u4fbf\u5b9c\u7684\u4fdd\u969c\u65b9\u5f0f\uff0c\u53ef\u60dc\u8fd9\u79cd\u5bff\u9669\u66f4\u503e\u5411\u4e8e\u5bf9\u7f8e\u56fd\u516c\u6c11\u51fa\u552e\uff0c\u975e\u516c\u6c11\u8eab\u4efd\u5728\u8d2d\u4e70\u65f6\u9650\u5236\u8f83\u591a\u3002\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-37dc0fb0 elementor-widget elementor-widget-text-editor\" data-id=\"37dc0fb0\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong>Permanent Life \u6c38\u4e45\u5bff\u9669<\/strong><\/p><p><span style=\"color: #ad0000;\"><strong>\u4fdd\u9669\u6ca1\u6709\u65f6\u95f4\u9650\u5236\uff0c\u7406\u8d54\u5b8c\u6210\u540e\u4fdd\u5355\u5931\u6548\u3002<\/strong><\/span>\u5176\u4e2d\u5206\u4e3a\u4e0d\u540c\u4fdd\u9669\u7c7b\u522b\uff0c\u5305\u62ecWhole Life\u50a8\u84c4\u5206\u7ea2\u578b\u7ec8\u8eab\u5bff\u9669\uff0cGuaranteed Universal Life\u4fdd\u969c\u578b\u4e07\u80fd\u5bff\u9669\uff0cIndexed Universal Life\u6307\u6570\u578b\u4e07\u80fd\u5bff\u9669\u7b49\u3002<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7cf80629 elementor-widget elementor-widget-image\" data-id=\"7cf80629\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"899\" height=\"517\" src=\"https:\/\/smcovered.com\/cn\/wp-content\/uploads\/2021\/05\/life-insurance-details.png\" class=\"attachment-large size-large wp-image-4784\" alt=\"\" srcset=\"https:\/\/smcovered.com\/cn\/wp-content\/uploads\/2021\/05\/life-insurance-details.png 899w, https:\/\/smcovered.com\/cn\/wp-content\/uploads\/2021\/05\/life-insurance-details-300x173.png 300w, https:\/\/smcovered.com\/cn\/wp-content\/uploads\/2021\/05\/life-insurance-details-768x442.png 768w\" sizes=\"(max-width: 899px) 100vw, 899px\" title=\"\">\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-11df4182 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"11df4182\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:50}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\u5bf9\u6bd4\u5176\u4ed6\u7c7b\u578b\u7684\u5bff\u9669\uff0c<strong><span style=\"color: #Ad0000;\">Indexed Universal Life\uff08IUL\uff09<\/span>\u6709\u51e0\u4e2a\u975e\u5e38\u7a81\u51fa\u7684\u4f18\u70b9<\/strong>\uff1a\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3d087f38 elementor-widget elementor-widget-text-editor\" data-id=\"3d087f38\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong>1\uff09\u7ec8\u8eab\u4fdd\u969c\u548c\u7406\u8d54<\/strong><\/p><p><strong>2\uff09\u4fdd\u8d39\u6761\u4f8b\u7075\u6d3b<\/strong><\/p><p><strong>3\uff09\u4fdd\u5355\u53ef\u4ee5\u79ef\u7d2f\u73b0\u91d1\u4ef7\u503c \uff08cash value\uff09<\/strong><\/p><p><strong>4\uff09\u63d0\u4f9b\u73b0\u91d1\u4ef7\u503c\u4fdd\u5e95\u4fdd\u969c<\/strong><\/p><p><strong>5\uff09\u7a0e\u52a1\u4f18\u60e0\u653f\u7b56<\/strong><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2bcb34a2 elementor-widget elementor-widget-text-editor\" data-id=\"2bcb34a2\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:200}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\u7efc\u5408\u5206\u6790\uff0cIUL\u4fdd\u9669\u662f\u9488\u5bf9<span style=\"color: #AD0000;\"><strong>\u5728\u7f8e\u5e74\u8f7b\u534e\u4eba<\/strong><strong>\u6700\u9002\u5408<\/strong><\/span>\u7684\u4eba\u5bff\u4fdd\u9669\u7c7b\u578b\u3002\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-13c5ef3f elementor-widget elementor-widget-image\" data-id=\"13c5ef3f\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"824\" height=\"269\" src=\"https:\/\/smcovered.com\/cn\/wp-content\/uploads\/2021\/05\/life-insurance-functions-intro.png\" class=\"attachment-large size-large wp-image-4786\" alt=\"\" srcset=\"https:\/\/smcovered.com\/cn\/wp-content\/uploads\/2021\/05\/life-insurance-functions-intro.png 824w, https:\/\/smcovered.com\/cn\/wp-content\/uploads\/2021\/05\/life-insurance-functions-intro-300x98.png 300w, https:\/\/smcovered.com\/cn\/wp-content\/uploads\/2021\/05\/life-insurance-functions-intro-768x251.png 768w\" sizes=\"(max-width: 824px) 100vw, 824px\" title=\"\">\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-464edd77 elementor-widget elementor-widget-text-editor\" data-id=\"464edd77\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\u4eba\u5bff\u4fdd\u9669\u7684\u672c\u8d28\u662f\u5bf9\u6211\u4eec\u751f\u547d\u7684\u4fdd\u969c\uff0c\u6240\u4ee5<strong>\u4eba\u5bff\u4fdd\u9669\u6700\u57fa\u672c\u7684\u529f\u80fd\u5c31\u662f\u7ed9\u6295\u4fdd\u4eba\u63d0\u4f9b\u8eab\u6545\u8d54\u507f<\/strong>\u3002\u968f\u7740\u7f8e\u56fd\u5e02\u573a\u4e0a\u4eba\u5bff\u4fdd\u9669\u79cd\u7c7b\u4e0d\u65ad\u5347\u7ea7\uff0c\u4ea7\u54c1\u63a8\u5c18\u51fa\u65b0\uff0c\u4e00\u4e9b\u79cd\u7c7b\u7684\u4fdd\u9669\u5f00\u53d1\u4e86<span style=\"color: #AD0000;\"><strong>\u8bc1\u5238\u5e02\u573a\u7684\u8d26\u6237\u6295\u8d44\u529f\u80fd<\/strong><\/span><strong>\uff0c\u5176\u4e2d\u5c31\u5305\u62ecIUL\u4fdd\u9669<\/strong>\u3002\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-14ceb4ac elementor-widget elementor-widget-text-editor\" data-id=\"14ceb4ac\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:50}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p style=\"text-align: left;\">\u5728\u4ecb\u7ecdIUL\u4fdd\u9669\u65f6\uff0c\u6211\u4eec\u5206\u4e3a\u5065\u5eb7\u4fdd\u969c\u548c\u6295\u8d44\u7406\u8d22\u4e24\u90e8\u5206\u529f\u80fd\u6765\u4ecb\u7ecd\u3002<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-66d1aa4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"66d1aa4\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-d7f6ed2\" data-id=\"d7f6ed2\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-93598c elementor-widget elementor-widget-image\" data-id=\"93598c\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"352\" height=\"152\" src=\"https:\/\/smcovered.com\/cn\/wp-content\/uploads\/2021\/05\/health-lability.png\" class=\"attachment-medium_large size-medium_large wp-image-4787\" alt=\"\" srcset=\"https:\/\/smcovered.com\/cn\/wp-content\/uploads\/2021\/05\/health-lability.png 352w, https:\/\/smcovered.com\/cn\/wp-content\/uploads\/2021\/05\/health-lability-300x130.png 300w\" sizes=\"(max-width: 352px) 100vw, 352px\" title=\"\">\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-5c351329\" data-id=\"5c351329\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-517440e4 elementor-widget elementor-widget-text-editor\" data-id=\"517440e4\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p style=\"text-align: left;\"><strong>\u751f\u524d\u798f\u5229<\/strong>\uff1a<\/p><p>\u751f\u524d\u72ec\u7acb\u7684\u7406\u8d54\u901a\u5e38\u5305\u62ec\u6162\u6027\u75be\u75c5\u3001\u91cd\u5927\u75be\u75c5\u3001\u91cd\u75c7\u52a0\u901f\u6b7b\u4ea1\u548c\u7edd\u75c7\u7684\u8d54\u4ed8\uff0c\u7528\u4e8e\u652f\u4ed8\u6295\u4fdd\u4eba\u7684\u533b\u7597\u8d39\u7528\uff0c\u4ee5\u53ca\u91c7\u53d6\u5148\u8fdb\u7684\u6cbb\u7597\u624b\u6bb5\u3002<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-11fbd7c7 elementor-widget elementor-widget-text-editor\" data-id=\"11fbd7c7\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p style=\"text-align: left;\"><strong>\u957f\u671f\u62a4\u7406<\/strong>\uff1a<\/p><p>\u957f\u671f\u62a4\u7406\u5bf9\u4e8e\u60a3\u6709\u6162\u6027\u75be\u75c5\u6216\u8005\u4f24\u6b8b\u751f\u6d3b\u65e0\u6cd5\u81ea\u7406\u72b6\u6001\u4e0b\u7684\u6295\u4fdd\u4eba\uff0c\u53ef\u4ee5\u7533\u8bf7\u7406\u8d54\u7528\u4e8e\u798f\u5b89\u957f\u671f\u62a4\u7406\u3002<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5c64796f elementor-widget elementor-widget-text-editor\" data-id=\"5c64796f\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p style=\"text-align: left;\"><strong>\u8eab\u6545\u8d54\u507f<\/strong>\uff1a<\/p><p>\u6295\u4fdd\u4eba\u56e0\u75c5\u8eab\u6545\u6216\u610f\u5916\u8eab\u6545\u540e\uff0c\u53d7\u76ca\u4eba\u6309\u7167\u4fdd\u5355\u9886\u53d6\u6295\u4fdd\u4eba\u7684\u8eab\u6545\u8d54\u507f\u3002<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-10de73c7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"10de73c7\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-18c896ac\" data-id=\"18c896ac\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-63fb5974 elementor-widget elementor-widget-image\" data-id=\"63fb5974\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"352\" height=\"152\" src=\"https:\/\/smcovered.com\/cn\/wp-content\/uploads\/2021\/05\/investment-and-mnagement.png\" class=\"attachment-medium_large size-medium_large wp-image-4790\" alt=\"\" srcset=\"https:\/\/smcovered.com\/cn\/wp-content\/uploads\/2021\/05\/investment-and-mnagement.png 352w, https:\/\/smcovered.com\/cn\/wp-content\/uploads\/2021\/05\/investment-and-mnagement-300x130.png 300w\" sizes=\"(max-width: 352px) 100vw, 352px\" title=\"\">\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-6c464f87\" data-id=\"6c464f87\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-4c3c12d1 elementor-widget elementor-widget-text-editor\" data-id=\"4c3c12d1\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p style=\"text-align: left;\"><strong>\u50a8\u84c4\u7406\u8d22\uff1a<\/strong><\/p><p>IUL\u4fdd\u8d39\u9664\u4e86\u652f\u4ed8\u4fdd\u9669\u6210\u672c\uff0c\u8fd8\u4f1a\u7d2f\u79ef\u5230\u4fdd\u5355\u7684\u50a8\u84c4\u8d26\u6237\u3002\u50a8\u84c4\u8d26\u6237\u91cc\u7684\u73b0\u91d1\u4ef7\u503c\u8ddf\u8e2a\u6307\u6570\u5e02\u573a\u7684\u6ce2\u52a8\u800c\u589e\u503c\u3002\u540c\u65f6\uff0cIUL\u4fdd\u9669\u8fd8\u63d0\u4f9b\u4fdd\u5e95\u7684\u56fa\u5b9a\u5229\u7387\u4f5c\u4e3a\u4fdd\u969c\u3002<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-141a9159 elementor-widget elementor-widget-text-editor\" data-id=\"141a9159\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p style=\"text-align: left;\"><strong>\u73b0\u91d1\u4ef7\u503c\uff1a<\/strong><\/p><p>\u4fdd\u5355\u50a8\u84c4\u8d26\u6237\u91cc\u7684\u73b0\u91d1\u4ef7\u503c\u7528\u9014\u5e7f\u6cdb\u3002\u53ef\u63d0\u53d6\u4e5f\u53ef\u901a\u8fc7\u4fdd\u5355\u8d37\u6b3e\u7684\u5f62\u5f0f\u7075\u6d3b\u4f7f\u7528\u3002<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-232bcc1d elementor-widget elementor-widget-text-editor\" data-id=\"232bcc1d\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p style=\"text-align: left;\"><strong>\u6536\u7a0e\u4f18\u60e0\uff1a<\/strong><\/p><p>\u4fdd\u9669\u7406\u8d54\u6b3e\u4ee5\u53ca\u73b0\u79ef\u7d2f\u671f\u7684\u73b0\u91d1\u4ef7\u503c\u589e\u957f\uff0c\u548c\u8d37\u6b3e\u5747\u4e0d\u9700\u8981\u7f34\u7eb3\u8d44\u672c\u5229\u5f97\u7a0e\u52a1\u3002<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a6860ae elementor-widget elementor-widget-image\" data-id=\"4a6860ae\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"837\" height=\"220\" src=\"https:\/\/smcovered.com\/cn\/wp-content\/uploads\/2021\/05\/life-insurance-price-factors.png\" class=\"attachment-large size-large wp-image-4794\" alt=\"\" srcset=\"https:\/\/smcovered.com\/cn\/wp-content\/uploads\/2021\/05\/life-insurance-price-factors.png 837w, https:\/\/smcovered.com\/cn\/wp-content\/uploads\/2021\/05\/life-insurance-price-factors-300x79.png 300w, https:\/\/smcovered.com\/cn\/wp-content\/uploads\/2021\/05\/life-insurance-price-factors-768x202.png 768w\" sizes=\"(max-width: 837px) 100vw, 837px\" title=\"\">\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-46eba80e elementor-widget elementor-widget-text-editor\" data-id=\"46eba80e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p style=\"text-align: left;\"><strong>\u5bff\u9669\u4ef7\u683c\u53d6\u51b3\u6295\u4fdd\u4eba\u7684\u98ce\u9669\u8bc4\u7ea7\u3002\u98ce\u9669\u8bc4\u7ea7\u8d8a\u9ad8\uff0c\u4fdd\u8d39\u8d8a\u8d35\u3002<\/strong><\/p><p><span style=\"color: #ad0000;\"><strong>\u00a0 \u00a0 \u00a0 \u5e74\u9f84\uff1a<\/strong><\/span>\u8d8a\u5e74\u957f\uff0c\u98ce\u9669\u8bc4\u7ea7\u8d8a\u9ad8<\/p><p><span style=\"color: #ad0000;\"><strong>\u00a0 \u00a0 \u00a0 \u6027\u522b\uff1a<\/strong><\/span>\u7537\u6027\u98ce\u9669\u8bc4\u7ea7\u9ad8\u4e8e\u5973\u6027<\/p><p><span style=\"color: #ad0000;\"><strong>\u00a0 \u00a0 \u00a0 \u5065\u5eb7\uff1a<\/strong><\/span>\u8eab\u4f53\u4e0d\u597d\uff0c\u98ce\u9669\u8bc4\u7ea7\u9ad8<\/p><p><span style=\"color: #ad0000;\"><strong>\u00a0 \u00a0 \u00a0 \u662f\u5426\u5438\u70df\uff1a<\/strong><\/span>\u5438\u70df\uff0c\u98ce\u9669\u8bc4\u7ea7\u9ad8<\/p><p><span style=\"color: #ad0000;\"><strong>\u00a0 \u00a0 \u00a0 \u5de5\u4f5c\/\u7231\u597d\uff1a<\/strong><\/span>\u8d8a\u5371\u9669\uff0c\u98ce\u9669\u8bc4\u7ea7\u8d8a\u9ad8<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3e183116 elementor-widget elementor-widget-text-editor\" data-id=\"3e183116\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p style=\"text-align: left;\">\u4e0b\u9762\u4e3e\u4e24\u4e2a\u4f8b\u5b50\u8fdb\u884c<strong>\u4fdd\u8d39\u4ef7\u683c<\/strong>\u5bf9\u6bd4\uff1a<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-44c82678 elementor-widget elementor-widget-text-editor\" data-id=\"44c82678\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div>\n<section>\n<div title=\"\">\n<p style=\"text-align: left;\"><strong>\u57fa\u672c\u4fe1\u606f\uff1a<\/strong>Lily, \u5973\uff0c&nbsp;<strong>20 \u5c81<\/strong>\uff0c \u8eab\u4f53\u5065\u5eb7\uff0c\u6ca1\u6709\u4e25\u91cd\u75be\u75c5\uff0c\u4e0d\u5438\u70df\u3002<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/smcovered.com\/wp-content\/uploads\/2019\/03\/1_objects_4.png\" alt=\"\" width=\"20\" height=\"20\" title=\"\"><\/p>\n<\/div>\n<\/section>\n<\/div>\n<div>\n<section>\n<div title=\"\">\n<p><strong>\u4fdd\u8d39\u4ef7\u683c\uff1a<\/strong>\u5979\u53ea\u9700\u8981<span style=\"color: #AD0000;\"><strong>\u6bcf\u4e2a\u6708\u4ed8197\u7f8e\u5143\uff0c\u4ed815\u5e74<\/strong><\/span>\uff0c\u5c31\u53ef\u4ee5\u8d2d\u4e70\u4e00\u4efd<strong>\u4fdd\u989d\u4e3a50\u4e07\u7f8e\u5143<\/strong>\u7684\u4eba\u5bff\u4fdd\u9669\u3002<\/p>\n<p><span style=\"color: #808080;\"><em>\u56e0\u4e3aLily\u5728\u6821\u671f\u95f4\u4f7f\u7528Student Medicover\u533b\u7597\u5065\u5eb7\u4fdd\u9669waive\u4e86\u5b66\u6821\u6602\u8d35\u7684\u5065\u5eb7\u4fdd\u9669\uff0c\u4e00\u5e74\u8282\u7701\u4e862500+\u7f8e\u5143\uff0c\u8fd9\u4e9b\u94b1\u8db3\u591f\u652f\u4ed8\u8fd9\u4e00\u5e74\u4eba\u5bff\u4fdd\u9669\u7684\u8d39\u7528\u3002<\/em><\/span><\/p>\n<\/div>\n<\/section>\n<\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3154732b elementor-widget elementor-widget-text-editor\" data-id=\"3154732b\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div><section>\n<div title=\"\">\n<p style=\"text-align: left;\"><strong>\u57fa\u672c\u4fe1\u606f<\/strong>\uff1aLily\u7684\u59d0\u59d0<strong>\u00a028\u5c81<\/strong>\uff0c\u5979\u7684\u5065\u5eb7\u60c5\u51b5\u548cLily\u4e00\u6837\u3002<\/p>\n<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/smcovered.com\/wp-content\/uploads\/2019\/03\/1_objects_4.png\" alt=\"\" width=\"20\" height=\"20\" title=\"\">\n\n<\/div>\n<\/section><\/div>\n<div><section>\n<div title=\"\">\n\n<strong>\u4fdd\u8d39\u4ef7\u683c\uff1a<\/strong>\u5f53\u5979\u8d2d\u4e70\u4ef7\u503c\u76f8\u540c\uff0c\u4ea4\u94b1\u5e74\u6570\u76f8\u540c\u7684\u4fdd\u5355\u65f6\uff0c\u9700\u8981<span style=\"color: #AD0000;\"><strong>\u6bcf\u4e2a\u6708\u652f\u4ed8265\u7f8e<\/strong><\/span><strong><span style=\"color: #AD0000;\">\u5143\uff0c\u6bd4Lily\u6bcf\u4e2a\u6708\u4fdd\u8d39\u8d35\u4e8668\u7f8e\u5143<\/span>\uff0c\u4e00\u5e74\u591a\u51fa\u4e86816\u7f8e\u5143\u3002<\/strong>\n\n<\/div>\n<\/section><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6265bdfa elementor-widget elementor-widget-text-editor\" data-id=\"6265bdfa\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p style=\"text-align: left;\">\u540c\u6837\uff0c\u6211\u4eec\u53ef\u4ee5\u5bf9\u6bd4Lily\u548c\u59d0\u59d0\u76f8\u540c\u4fdd\u5355\u4e0d\u540c\u8d2d\u4e70\u5e74\u9f84\u7684<strong>\u73b0\u91d1\u4ef7\u503c (cash value)\u7d2f\u8ba1:<\/strong><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-58523b5e elementor-widget elementor-widget-text-editor\" data-id=\"58523b5e\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<section>\n<div title=\"\">\n<p style=\"text-align: left;\"><strong>Lily\u523028\u5c81<\/strong>\u7684\u65f6\u5019\uff0c\u5979\u7684\u8d26\u6237\u4e2d\u79ef\u7d2f\u4e86<span style=\"color: #AD0000;\"><strong>17831\u7f8e\u5143<\/strong><\/span>\u7684\u73b0\u91d1\u4ef7\u503c\u3002<\/p>\n\u5982\u679cLily\u7684\u59d0\u59d0\u60f3\u572828\u5c81\u65f6\u83b7\u5f97\u5dee\u4e0d\u591a\u7684\u73b0\u91d1\u4ef7\u503c\u7d2f\u8ba1\uff0c\u5979\u5219\u9700\u8981\u5728\u8fd9\u4e00\u5e74<span style=\"color: #AD0000;\"><strong>\u652f\u4ed8\u6700\u5927\u4fdd\u8d39<\/strong><\/span><strong><span style=\"color: #AD0000;\">22364\u7f8e\u5143\uff0c<\/span><\/strong>\u83b7\u5f97\u7d2f\u8ba1\u73b0\u91d1\u4ef7\u503c13000\u7f8e\u5143(\u8fd8\u662f\u6bd4Lily\u7684\u5c11\uff09\u3002\n\n\u6240\u4ee5\u5bf9\u4e8e\u73b0\u91d1\u4ef7\u503c\u6765\u8bf4\uff0c\u4ecd\u7136\u662f\u5e74\u9f84\u8d8a\u5c0f\u8d2d\u4e70\uff0c\u79ef\u7d2f\u73b0\u91d1\u4ef7\u503c\u8d8a\u591a\u3002\n\n<\/div>\n<\/section>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-44bafd3a elementor-widget elementor-widget-text-editor\" data-id=\"44bafd3a\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p style=\"text-align: left;\">\u901a\u8fc7\u8fd9\u4e2a\u4f8b\u5b50\u6211\u4eec\u5c31\u53ef\u4ee5\u770b\u51fa<strong>\u5e74\u9f84\u5bf9\u4e8e\u4fdd\u8d39\u4ef7\u683c\u548c\u73b0\u91d1\u4ef7\u503c\u7d2f\u8ba1\u7684\u5f71\u54cd\u4e4b\u5927<\/strong><strong>\uff0c\u8d8a\u65e9\u89c4\u5212\u8d8a\u7701\u94b1\u3002<\/strong>\u5982\u679c\u4f60\u60f3\u4f30\u81ea\u5df1\u7684\u4fdd\u8d39\u4ef7\u683c\uff0c\u53ef\u4ee5<a href=\"https:\/\/smcovered.com\/life-insurance-cn\/\" target=\"_blank\" rel=\"noopener\">\u70b9\u6b64\u8fdb\u5165\u7f51\u9875\u4f30\u7b97\u81ea\u5df1\u7684\u4fdd\u9669\u8d39\u7528<\/a>\u3002<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-427120d elementor-widget elementor-widget-image\" data-id=\"427120d\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"881\" height=\"218\" src=\"https:\/\/smcovered.com\/cn\/wp-content\/uploads\/2021\/05\/life-insurance-process.png\" class=\"attachment-large size-large wp-image-4797\" alt=\"\" srcset=\"https:\/\/smcovered.com\/cn\/wp-content\/uploads\/2021\/05\/life-insurance-process.png 881w, https:\/\/smcovered.com\/cn\/wp-content\/uploads\/2021\/05\/life-insurance-process-300x74.png 300w, https:\/\/smcovered.com\/cn\/wp-content\/uploads\/2021\/05\/life-insurance-process-768x190.png 768w\" sizes=\"(max-width: 881px) 100vw, 881px\" title=\"\">\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3f802584 elementor-widget elementor-widget-text-editor\" data-id=\"3f802584\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p style=\"text-align: left;\">\u7f8e\u56fd\u4fdd\u9669\u516c\u53f8\u5e76\u4e0d\u76f4\u63a5\u9762\u5411\u5ba2\u6237\u51fa\u552e\u4fdd\u9669\uff0c\u901a\u5e38\u662f\u7531<strong>\u6295\u4fdd\u8005\u81ea\u5df1\u8054\u7cfb\u4fdd\u9669\u4ee3\u7406\u5546\/\u4fdd\u9669\u72ec\u7acb\u7ecf\u7eaa\u4eba\u53bb\u54a8\u8be2\u548c\u8d2d\u4e70<\/strong>\u3002\u800c\u4fdd\u9669\u516c\u53f8\u4e5f\u4f1a\u5728\u6295\u4fdd\u65f6<span style=\"color: #AD0000;\"><strong>\u5bf9\u6295\u4fdd\u4eba\u7684\u8eab\u4f53\u5065\u5eb7\u72b6\u51b5\u8fdb\u884c\u5168\u9762\u7684\u4e86\u89e3<\/strong><\/span>\u3002<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7d506fda elementor-widget elementor-widget-text-editor\" data-id=\"7d506fda\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p style=\"text-align: left;\">\u6d41\u7a0b\u5927\u81f4\u5206\u4e3a\u4ee5\u4e0b5\u6b65\uff1a<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-363d6ee elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"363d6ee\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-ba72248\" data-id=\"ba72248\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-34147eea\" data-id=\"34147eea\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6324b203 animated-slow elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"6324b203\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong>STEP1<\/strong><\/p><p><strong>\u63d0\u4ea4\u4fe1\u606f\uff0c\u4fdd\u9669\u4ee3\u7406\u5b9a\u5236\u6295\u4fdd\u8ba1\u5212<\/strong><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7ee8ab55 animated-slow elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"7ee8ab55\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:400}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong>STEP2<\/strong><\/p><p><strong>\u4e13\u4e1a\u4fdd\u9669\u4ee3\u7406\u534f\u52a9\u5b8c\u6210\u6295\u4fdd\u8ba1\u5212<\/strong><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-671ed3ec animated-slow elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"671ed3ec\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:800}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong>STEP3<\/strong><\/p><p><strong>\u4fdd\u9669\u516c\u53f8\u8fdb\u884c\u5ba1\u6279<\/strong><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-16295bb4 animated-slow elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"16295bb4\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:1200}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong>STEP4<\/strong><\/p><p><strong>\u6295\u4fdd\u4eba\u8865\u5145\u7533\u8bf7\u6750\u6599\u5e76\u6848\u9700\u9884\u7ea6\u4f53\u68c0<\/strong><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-490e44c0 animated-slow elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"490e44c0\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:1600}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong>STEP5<\/strong><\/p><p><strong>\u4fdd\u5355\u83b7\u6279\u540e\u7b7e\u8ba2\u4fdd\u9669\u5408\u540c\u5e76\u7f34\u7eb3\u4fdd\u8d39<\/strong><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-669f800 elementor-widget elementor-widget-image\" data-id=\"669f800\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"910\" height=\"55\" src=\"https:\/\/smcovered.com\/cn\/wp-content\/uploads\/2021\/05\/feature-line.png\" class=\"attachment-large size-large wp-image-4779\" alt=\"\" srcset=\"https:\/\/smcovered.com\/cn\/wp-content\/uploads\/2021\/05\/feature-line.png 910w, https:\/\/smcovered.com\/cn\/wp-content\/uploads\/2021\/05\/feature-line-300x18.png 300w, https:\/\/smcovered.com\/cn\/wp-content\/uploads\/2021\/05\/feature-line-768x46.png 768w\" sizes=\"(max-width: 910px) 100vw, 910px\" title=\"\">\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-79098aee elementor-widget elementor-widget-image\" data-id=\"79098aee\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"855\" height=\"354\" src=\"https:\/\/smcovered.com\/cn\/wp-content\/uploads\/2021\/05\/lifeinsurance-final.png\" class=\"attachment-large size-large wp-image-4802\" alt=\"\" srcset=\"https:\/\/smcovered.com\/cn\/wp-content\/uploads\/2021\/05\/lifeinsurance-final.png 855w, https:\/\/smcovered.com\/cn\/wp-content\/uploads\/2021\/05\/lifeinsurance-final-300x124.png 300w, https:\/\/smcovered.com\/cn\/wp-content\/uploads\/2021\/05\/lifeinsurance-final-768x318.png 768w\" sizes=\"(max-width: 855px) 100vw, 855px\" title=\"\">\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-295fdff6 elementor-widget elementor-widget-text-editor\" data-id=\"295fdff6\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p style=\"text-align: left;\">\u5e0c\u671b\u8fd9\u7bc7\u6587\u7ae0\u8ba9\u4f60\u5bf9\u7f8e\u56fd\u5bff\u9669\u548cIUL\u4fdd\u9669\u7684\u8ba4\u77e5\u66f4\u52a0\u6e05\u6670\u3002\u5982\u679c\u4f60\u5bf9\u54ea\u4e2a\u8bdd\u9898\u975e\u5e38\u611f\u5174\u8da3\u6216\u8005\u8fd8\u6709\u66f4\u591a\u95ee\u9898\uff0c\u6b22\u8fce\u6dfb\u52a0\u5fae\u4fe1\u54a8\u8be2\u66f4\u591a\u3002<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-70b0ff91 elementor-author-box--image-valign-top elementor-author-box--align-left elementor-widget elementor-widget-author-box\" data-id=\"70b0ff91\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"author-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-author-box\">\n\t\t\t\t\t\t\t<div  class=\"elementor-author-box__avatar\">\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/smcovered.com\/cn\/wp-content\/uploads\/2021\/05\/JoyceQR-297x300.jpg\" alt=\"Picture of Joyce\" loading=\"lazy\" title=\"\">\n\t\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class=\"elementor-author-box__text\">\n\t\t\t\t\t\t\t\t\t<div >\n\t\t\t\t\t\t<div class=\"elementor-author-box__name\">\n\t\t\t\t\t\t\tJoyce\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-author-box__bio\">\n\t\t\t\t\t\t<p>Student Medicover \u4eba\u5bff\u4fdd\u9669\u987e\u95ee<\/p>\n<p>WeChat: SM_Joyce<\/p>\n<p>\u6301\u7167\u4e13\u4e1a\u987e\u95ee  1\u5bf91\u5b9a\u5236\u65b9\u6848<br \/>\n\u4ea7\u54c1\u4fe1\u606f\u900f\u660e  \u7533\u8bf7\u5feb\u901f\u4fbf\u6377<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t<div style=\"margin-top: 0px; margin-bottom: 0px;\" class=\"sharethis-inline-share-buttons\" ><\/div>","protected":false},"excerpt":{"rendered":"<p>YOU MAY ALSO ENJOY THESE ARTICLES: \u7f8e\u56fdIUL\u4fdd\u9669\u8d39\u7528\u6784\u6210 \uff5c\u4f60\u4ea4\u7684\u4fdd\u8d39\u90fd\u7528\u5230\u54ea\u91cc\u4e86\uff1f Read More \u7f8e\u56fd\u4eba\u5bff\u4fdd\u9669\u6307\u5357 \uff5c\u79cd\u7c7b\u3001\u529f\u80fd\u3001\u4ef7\u683c\u3001\u6295\u4fdd\u6d41\u7a0b\u4ecb\u7ecd Read More<\/p>\n","protected":false},"author":1,"featured_media":4837,"comment_status":"open","ping_status":"open","sticky":false,"template":"elementor_theme","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"categories":[37],"tags":[],"class_list":["post-5178","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-life-insurance"],"acf":[],"_links":{"self":[{"href":"https:\/\/smcovered.com\/cn\/wp-json\/wp\/v2\/posts\/5178"}],"collection":[{"href":"https:\/\/smcovered.com\/cn\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/smcovered.com\/cn\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/smcovered.com\/cn\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/smcovered.com\/cn\/wp-json\/wp\/v2\/comments?post=5178"}],"version-history":[{"count":38,"href":"https:\/\/smcovered.com\/cn\/wp-json\/wp\/v2\/posts\/5178\/revisions"}],"predecessor-version":[{"id":10001,"href":"https:\/\/smcovered.com\/cn\/wp-json\/wp\/v2\/posts\/5178\/revisions\/10001"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/smcovered.com\/cn\/wp-json\/wp\/v2\/media\/4837"}],"wp:attachment":[{"href":"https:\/\/smcovered.com\/cn\/wp-json\/wp\/v2\/media?parent=5178"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/smcovered.com\/cn\/wp-json\/wp\/v2\/categories?post=5178"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/smcovered.com\/cn\/wp-json\/wp\/v2\/tags?post=5178"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}