{"id":5333,"date":"2021-05-27T17:05:32","date_gmt":"2021-05-28T00:05:32","guid":{"rendered":"https:\/\/smcovered.com\/?p=5333"},"modified":"2022-10-24T15:30:55","modified_gmt":"2022-10-24T22:30:55","slug":"%e7%be%8e%e5%9b%bdiul%e4%bf%9d%e9%99%a9%e8%b4%b9%e7%94%a8%e6%9e%84%e6%88%90","status":"publish","type":"post","link":"https:\/\/smcovered.com\/cn\/%e7%be%8e%e5%9b%bdiul%e4%bf%9d%e9%99%a9%e8%b4%b9%e7%94%a8%e6%9e%84%e6%88%90\/","title":{"rendered":"\u7f8e\u56fdIUL\u4fdd\u9669\u8d39\u7528\u6784\u6210 \uff5c\u4f60\u4ea4\u7684\u4fdd\u8d39\u90fd\u7528\u5230\u54ea\u91cc\u4e86\uff1f"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"5333\" class=\"elementor elementor-5333\" 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\">\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-ffcff47 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ffcff47\" 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-707e8e4\" data-id=\"707e8e4\" 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-1f54472 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1f54472\" 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-dea8f06\" data-id=\"dea8f06\" 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-e046e84 elementor-widget elementor-widget-text-editor\" data-id=\"e046e84\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div 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data-slider_options=\"{&quot;slidesToShow&quot;:{&quot;desktop&quot;:3,&quot;tablet&quot;:2,&quot;mobile&quot;:1},&quot;autoplaySpeed&quot;:5000,&quot;autoplay&quot;:true,&quot;infinite&quot;:true,&quot;pauseOnHover&quot;:false,&quot;speed&quot;:500,&quot;arrows&quot;:true,&quot;dots&quot;:false,&quot;slidesToScroll&quot;:1,&quot;prevArrow&quot;:&quot;.jet-posts__prev-arrow-ada29f2&quot;,&quot;nextArrow&quot;:&quot;.jet-posts__next-arrow-ada29f2&quot;,&quot;rtl&quot;:false}\" dir=\"ltr\"><div class=\"jet-posts col-row \"><div class=\"jet-posts__prev-arrow-ada29f2 jet-arrow prev-arrow\"><i aria-hidden=\"true\" class=\"fas fa-angle-left\"><\/i><\/div><div class=\"jet-posts__next-arrow-ada29f2 jet-arrow next-arrow\"><i aria-hidden=\"true\" class=\"fas fa-angle-right\"><\/i><\/div><div class=\"jet-posts__item col-desk-3\">\n\t<div class=\"jet-posts__inner-box\"><div class=\"post-thumbnail\"><a href=\"https:\/\/smcovered.com\/cn\/%e7%be%8e%e5%9b%bdiul%e4%bf%9d%e9%99%a9%e8%b4%b9%e7%94%a8%e6%9e%84%e6%88%90\/\" class=\"post-thumbnail__link\"><img loading=\"lazy\" decoding=\"async\" class=\"post-thumbnail__img wp-post-image\" src=\"https:\/\/smcovered.com\/cn\/wp-content\/uploads\/2021\/05\/life-insurance-2-banner-768x433.png\" alt=\"\u7f8e\u56fdIUL\u4fdd\u9669\u8d39\u7528\u6784\u6210 \uff5c\u4f60\u4ea4\u7684\u4fdd\u8d39\u90fd\u7528\u5230\u54ea\u91cc\u4e86\uff1f\" loading=\"lazy\" width=\"768\" height=\"433\" title=\"\"><\/a><\/div><div class=\"jet-posts__inner-content\"><h4 class=\"entry-title\"><a href=\"https:\/\/smcovered.com\/cn\/%e7%be%8e%e5%9b%bdiul%e4%bf%9d%e9%99%a9%e8%b4%b9%e7%94%a8%e6%9e%84%e6%88%90\/\">\u7f8e\u56fdIUL\u4fdd\u9669\u8d39\u7528\u6784\u6210 \uff5c\u4f60\u4ea4\u7684\u4fdd\u8d39\u90fd\u7528\u5230\u54ea\u91cc\u4e86\uff1f<\/a><\/h4><div class=\"jet-more-wrap\"><a href=\"https:\/\/smcovered.com\/cn\/%e7%be%8e%e5%9b%bdiul%e4%bf%9d%e9%99%a9%e8%b4%b9%e7%94%a8%e6%9e%84%e6%88%90\/\" class=\"btn btn-primary elementor-button elementor-size-md jet-more\"><span class=\"btn__text\">Read More<\/span><\/a><\/div><\/div><\/div>\n<\/div>\n<div class=\"jet-posts__item col-desk-3\">\n\t<div class=\"jet-posts__inner-box\"><div class=\"post-thumbnail\"><a href=\"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\/\" class=\"post-thumbnail__link\"><img loading=\"lazy\" decoding=\"async\" class=\"post-thumbnail__img wp-post-image\" src=\"https:\/\/smcovered.com\/cn\/wp-content\/uploads\/2021\/05\/life-insurance-feature-768x433.png\" alt=\"\u7f8e\u56fd\u4eba\u5bff\u4fdd\u9669\u6307\u5357 \uff5c\u79cd\u7c7b\u3001\u529f\u80fd\u3001\u4ef7\u683c\u3001\u6295\u4fdd\u6d41\u7a0b\u4ecb\u7ecd\" loading=\"lazy\" width=\"768\" height=\"433\" title=\"\"><\/a><\/div><div class=\"jet-posts__inner-content\"><h4 class=\"entry-title\"><a href=\"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\/\">\u7f8e\u56fd\u4eba\u5bff\u4fdd\u9669\u6307\u5357 \uff5c\u79cd\u7c7b\u3001\u529f\u80fd\u3001\u4ef7\u683c\u3001\u6295\u4fdd\u6d41\u7a0b\u4ecb\u7ecd<\/a><\/h4><div class=\"jet-more-wrap\"><a href=\"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\/\" class=\"btn btn-primary elementor-button elementor-size-md jet-more\"><span class=\"btn__text\">Read More<\/span><\/a><\/div><\/div><\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4f9bbb2 elementor-widget elementor-widget-template\" data-id=\"4f9bbb2\" data-element_type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"section\" data-elementor-id=\"5351\" class=\"elementor elementor-5351\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1f850f54 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1f850f54\" 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-3e22983f\" data-id=\"3e22983f\" 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-7c4d83cd elementor-widget__width-inherit elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"7c4d83cd\" 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-4954bd65 elementor-align-center elementor-widget elementor-widget-post-info\" data-id=\"4954bd65\" 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-6ccd66c8 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"6ccd66c8\" 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-4c3ddb30\" data-id=\"4c3ddb30\" 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-59725cde elementor-widget elementor-widget-text-editor\" data-id=\"59725cde\" 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;\"><span style=\"color: #3e3e3e; font-family: Lato; font-size: 25px; letter-spacing: 1px; text-align: justify;\">\u901a\u5e38\u60c5\u51b5\u4e0b\uff0c\u4fdd\u9669\u516c\u53f8\u5728\u7ed9\u4fdd\u9669\u7ecf\u7eaa\u4eba\u63d0\u4f9b\u7684\u4fdd\u5355\u8ba1\u5212\u5de5\u5177\u4e2d\uff0c\u4e0d\u4f1a\u6dfb\u52a0\u4fdd\u8d39\uff08\u6216\u6210\u672c\uff09\u8fd9\u4e00\u9879\u76ee\uff0c\u8fd9\u4e5f\u662f\u4e3a\u4ec0\u4e48\u5ba2\u6237\u4e00\u822c\u770b\u4e0d\u5230\u4fdd\u9669\u8d39\u7528\u660e\u7ec6\u3002<\/span><\/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-d19671b elementor-widget elementor-widget-image\" data-id=\"d19671b\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" 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=\"1024\" height=\"392\" src=\"https:\/\/smcovered.com\/cn\/wp-content\/uploads\/2021\/05\/life-insurance-2-0-1-e1622140135287-1024x392.png\" class=\"attachment-large size-large wp-image-5363\" alt=\"\" srcset=\"https:\/\/smcovered.com\/cn\/wp-content\/uploads\/2021\/05\/life-insurance-2-0-1-e1622140135287-1024x392.png 1024w, https:\/\/smcovered.com\/cn\/wp-content\/uploads\/2021\/05\/life-insurance-2-0-1-e1622140135287-300x115.png 300w, https:\/\/smcovered.com\/cn\/wp-content\/uploads\/2021\/05\/life-insurance-2-0-1-e1622140135287-768x294.png 768w, https:\/\/smcovered.com\/cn\/wp-content\/uploads\/2021\/05\/life-insurance-2-0-1-e1622140135287.png 1419w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" 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-1589a2c elementor-widget elementor-widget-image\" data-id=\"1589a2c\" 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-89f7865 elementor-widget elementor-widget-text-editor\" data-id=\"89f7865\" 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\u5bf9\u4e8e\u60f3\u8981\u77e5\u9053\u81ea\u5df1\u4fdd\u8d39\u90fd\u82b1\u5728\u54ea\u91cc\u7684\u5ba2\u6237\u6765\u8bf4\uff0c\u53ef\u4ee5\u5148\u6765\u4e86\u89e3\u4e00\u4e0bIUL\u4fdd\u8d39\u7684\u6784\u6210\u3002IUL\u4ea7\u54c1\u7684\u4fdd\u8d39\u4f1a\u6839\u636e\u4e0d\u540c\u4fdd\u9669\u516c\u53f8\u7684\u5177\u4f53\u4ea7\u54c1\u800c\u6709\u6240\u5dee\u5f02\uff0c\u6574\u4f53\u4e0a\u53ef\u4ee5\u5206\u4e3a\u4ee5\u4e0b\u51e0\u7c7b\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-7f0c80ca elementor-widget elementor-widget-text-editor\" data-id=\"7f0c80ca\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:0}\" 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: #ad0000;\"><strong>1. \u4fdd\u8d39\u8d39 Premium Charge\/Loads<\/strong><\/span><strong><br><\/strong> \u6295\u4fdd\u4eba\u6bcf\u7f34\u7eb3\u4e00\u7b14\u4fdd\u8d39\u65f6\uff0c\u5c31\u4f1a\u6839\u636e\u5b58\u5165\u7684\u4fdd\u8d39\u91d1\u989d\u88ab\u6263\u9664\u4e00\u7b14\u8d39\u7528\uff0c\u901a\u5e38\u662f5-8%\u3002\u8fd9\u7b14\u8d39\u7528\u53ea\u5728\u4ea4\u4fdd\u8d39\u7684\u5f53\u5e74\u4ea7\u751f\uff0c\u4e0d\u4ea4\u4fdd\u8d39\u4e0d\u4ea7\u751f\u3002\u4fdd\u9669\u516c\u53f8\u4e3b\u8981\u4f7f\u7528\u8fd9\u7b14\u94b1\u53bb\u652f\u4ed8\u8054\u90a6\u653f\u5e9c\u4ee5\u53ca\u5404\u4e2a\u5dde\u7684\u76f8\u5173\u7a0e\u6536\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-f9dbd9c elementor-widget elementor-widget-text-editor\" data-id=\"f9dbd9c\" 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<span style=\"color: #ad0000;\"><strong>2. \u4fdd\u9669\u6210\u672c Cost of Insurance (COI)<\/strong><\/span><br>\u4fdd\u9669\u6210\u672c\u662f\u4eba\u5bff\u4fdd\u9669\u7684\u6838\u5fc3\u6210\u672c\uff0c\u4e5f\u662f\u6240\u6709\u4fdd\u5355\u7684\u4e3b\u8981\u6784\u6210\u3002\u8fd9\u9879\u8d39\u7528\u6bcf\u5e74\u90fd\u4f1a\u6536\u53d6\uff0c\u4e14\u968f\u7740\u6295\u4fdd\u4eba\u7684\u5e74\u9f84\u589e\u957f\u800c\u589e\u52a0\u3002\u8d39\u7528\u662f\u6839\u636e\u6295\u4fdd\u4eba\u5e74\u9f84\u3001\u4fdd\u989d\u5927\u5c0f\u3001\u4ee5\u53ca\u751f\u547d\u8868\u6b7b\u4ea1\u7387\u7b49\u56e0\u7d20\u52a8\u6001\u8c03\u6574\u7684\u4e00\u9879\u6536\u8d39\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-b9f8cc1 elementor-widget elementor-widget-text-editor\" data-id=\"b9f8cc1\" 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><span style=\"color: #ad0000;\"><strong>3. \u4fdd\u5355\u6536\u8d39 Policy Fee<\/strong><\/span><\/p><p class=\"MsoNormal\">\u4fdd\u5355\u8d39\u662f\u56fa\u5b9a\u8d39\u7528\uff0c\u4e00\u822c\u6309\u5e74\u6216\u6309\u6708\u6536\uff0c\u7ec8\u8eab\u6536\u53d6\u3002\u4fdd\u5355\u8d39\u7684\u5b9e\u9645\u8d39\u7387\u5404\u4e2a\u4fdd\u9669\u516c\u53f8\u6709\u4e00\u5b9a\u5dee\u522b\uff0c\u4f46\u5927\u4f53\u4e0a\u5728\u6bcf\u5e7460-240\u7f8e\u5143\u4e4b\u95f4\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-c89b748 elementor-widget elementor-widget-text-editor\" data-id=\"c89b748\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:600}\" 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: #ad0000;\"><strong>4. \u4fdd\u5355\u6210\u672c Policy Charge<\/strong><\/span><\/p><p>\u4fdd\u5355\u6210\u672c\u5305\u62ec\u4e86\u4fdd\u5355\u76f8\u5173\u7684\u5404\u9879\u76f4\u63a5\u6210\u672c\u4ee5\u53ca\u4fdd\u9669\u516c\u53f8\u5206\u644a\u5230\u4fdd\u5355\u5185\u7684\u6210\u672c\uff0c\u5982\uff1a\u4fdd\u5355\u5408\u7ea6\u521b\u5efa\u53ca\u7ef4\u62a4\u8d39\u7528\u3001\u4fdd\u5355\u5ba1\u6838\u8fc7\u7a0b\u4e2d\u7684\u67e5\u8be2\u8d39\u7528\u5982\u67e5\u8be2\u5ba2\u6237\u533b\u7597\u8bb0\u5f55\u7b49\u3001\u652f\u4ed8\u7ed9\u7ecf\u7eaa\u4eba\u7684\u4f63\u91d1\u3001\u4fdd\u9669\u516c\u53f8\u65e5\u5e38\u8fd0\u8425\u8d39\u7528\u5206\u644a\u7b49\u3002<\/p><p>\u4fdd\u9669\u516c\u53f8\u4e00\u822c\u572810-15\u5e74\u95f4\u5c06\u4fdd\u5355\u6210\u672c\u5728\u4fdd\u5355\u4e2d\u644a\u9500\u5b8c\u6210\uff0c\u610f\u5473\u774010-15\u5e74\u540e\u6295\u4fdd\u4eba\u5c31\u4e0d\u9700\u8981\u4ea4\u8fd9\u7b14\u8d39\u7528\u4e86\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-d167d44 elementor-widget elementor-widget-text-editor\" data-id=\"d167d44\" 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: #ad0000;\"><strong>5. \u9644\u52a0\u6761\u6b3e\u8d39 Rider Charge<\/strong><\/span><br>\u4e3a\u4e86\u8ba9\u4fdd\u5355\u5b9e\u73b0\u4e0d\u540c\u7684\u8d22\u52a1\u76ee\u6807\uff0c\u9700\u8981\u642d\u914d\u4e0d\u540c\u7c7b\u578b\u7684Rider\uff0c\u8fd9\u4e9bRider\u662f\u9700\u8981\u989d\u5916\u6536\u8d39\u7684\uff0c\u901a\u5e38\u4ece\u4fdd\u5355\u7684\u73b0\u91d1\u4ef7\u503c\u4e2d\u6263\u9664\u3002\u4e0d\u540cRider\u6536\u8d39\u4e0d\u540c\uff0c\u4e0d\u6dfb\u52a0Rider\u5c31\u6ca1\u6709\u8fd9\u9879\u8d39\u7528\u3002\u5bf9\u4e8e\u6bd4\u8f83\u5e74\u8f7b\u7684\u6295\u4fdd\u4eba\uff0c\u4e0d\u5efa\u8bae\u6dfb\u52a0\u591a\u4f59\u7684Rider\uff0c\u56e0\u4e3a\u4f1a\u5f71\u54cd\u73b0\u91d1\u4ef7\u503c\u7684\u79ef\u7d2f\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-200c7922 elementor-widget elementor-widget-text-editor\" data-id=\"200c7922\" 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>IUL<\/strong><strong>\u4fdd\u9669\u8d39\u7528\u7684\u504f\u89c1<\/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-b5676b7 elementor-widget elementor-widget-text-editor\" data-id=\"b5676b7\" 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;\">\u4e00\u4e2a\u5bf9IUL\u4fdd\u9669\u8d39\u7528\u5e38\u89c1\u7684\u504f\u89c1\u8ba4\u4e3a\u201cIUL\u7684\u4fdd\u8d39\u968f\u7740\u5e74\u9f84\u589e\u957f\u800c\u589e\u52a0\uff0c\u7b49\u5230\u8001\u4e86COI\u5c31\u4f1a\u53d8\u5f97\u5f88\u8d35\u8ba9\u6295\u4fdd\u4eba\u8d1f\u62c5\u4e0d\u8d77\uff0c\u5bfc\u81f4\u4fdd\u5355\u4f5c\u5e9f\u201d\u3002\u8fd9\u4e2a\u89c2\u70b9\u5e76\u4e0d\u662f\u5168\u9519\uff0c\u4f46\u6bd4\u8f83\u7247\u9762\u3002<\/p>\n<p style=\"text-align: left;\">\u9996\u5148\u6211\u4eec\u8981\u4e86\u89e3\u4e00\u4e2a\u6982\u5ff5\uff0c<span style=\"color: #AD0000;\">\u51c0\u98ce\u9669 (Net Amount at Risk, NAR)<\/span>\u3002\u51c0\u98ce\u9669\u662f\u8eab\u6545\u8d54\u507f\u91d1 (Death Benefit)\u51cf\u53bb\u73b0\u91d1\u4ef7\u503c (Cash Value)\u7684\u5dee\u3002\u4f8b\u5982\u4f60\u7684\u8eab\u6545\u8d54\u507f\u91d1\u662f50\u4e07\u7f8e\u5143\uff0c\u8d26\u6237\u4e2d\u79ef\u7d2f\u7684\u73b0\u91d1\u4ef7\u503c\u662f10\u4e07\u7f8e\u5143\uff0c\u5982\u679c\u6b64\u65f6\u4fdd\u9669\u516c\u53f8\u5bf9\u4f60\u8fdb\u884c\u7406\u8d54\u7684\u8bdd\uff0c\u4fdd\u9669\u516c\u53f8\u8d54\u7ed9\u53d7\u76ca\u4eba\u768450\u4e07\u4e2d\u670910\u4e07\u662f\u4f60\u81ea\u5df1\u7684\u94b1\uff0c\u4fdd\u9669\u516c\u53f8\u627f\u62c5\u7684\u51c0\u98ce\u9669\u53ea\u670940\u4e07\u7f8e\u5143\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-08cafb7 animated-fast elementor-widget elementor-widget-image\" data-id=\"08cafb7\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" 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<figure class=\"wp-caption\">\n\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"550\" height=\"330\" src=\"https:\/\/smcovered.com\/cn\/wp-content\/uploads\/2021\/05\/life-insurance-2.1-kitces.png\" class=\"attachment-large size-large wp-image-5337\" alt=\"\" srcset=\"https:\/\/smcovered.com\/cn\/wp-content\/uploads\/2021\/05\/life-insurance-2.1-kitces.png 550w, https:\/\/smcovered.com\/cn\/wp-content\/uploads\/2021\/05\/life-insurance-2.1-kitces-300x180.png 300w\" sizes=\"(max-width: 550px) 100vw, 550px\" title=\"\">\t\t\t\t\t\t\t\t\t\t\t<figcaption class=\"widget-image-caption wp-caption-text\">\u56fe\u7247\u6765\u6e90\u4e8e Kitces.com<\/figcaption>\n\t\t\t\t\t\t\t\t\t\t<\/figure>\n\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-7023d60 elementor-widget elementor-widget-text-editor\" data-id=\"7023d60\" 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;\">\u4ece\u4e0a\u56fe\u6211\u4eec\u53ef\u4ee5\u770b\u51fa\u5bf9\u4e8e\u4e00\u6b3e\u8bbe\u8ba1\u5408\u7406\u7684\u4fdd\u5355\uff0c\u84dd\u8272\u7684\u73b0\u91d1\u4ef7\u503c\u90e8\u5206\u968f\u7740\u5e74\u9f84\u589e\u957f\u800c\u4e0d\u65ad\u589e\u52a0\uff0c\u9876\u90e8Death Benefit\u6a2a\u7ebf\u548c\u73b0\u91d1\u4ef7\u503c\u4e4b\u95f4\u7684\u8ddd\u79bb\u5728\u4e0d\u65ad\u51cf\u5c0f\uff0c\u4fdd\u9669\u516c\u53f8\u7684\u51c0\u98ce\u9669\u968f\u4e4b\u51cf\u5c0f\u3002\u53ea\u8981\u73b0\u91d1\u4ef7\u503c\u53ef\u4ee5\u7ef4\u6301\u4e00\u4e2a\u589e\u957f\u7684\u7d2f\u79ef\uff0c\u6536\u76ca\u80fd\u652f\u4ed8\u4fdd\u5355\u7684\u5404\u9879\u6210\u672c\uff0c\u4fdd\u5355\u5c31\u53ef\u4ee5\u6267\u884c\u4e0b\u53bb\uff0c\u6240\u4ee5\u5927\u5bb6\u5e76\u4e0d\u7528\u62c5\u5fc3\u4f1a\u56e0\u4e3a\u4fdd\u8d39\u7684COI\u592a\u8d35\u800c\u5bfc\u81f4\u4fdd\u5355\u5931\u6548\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-20eed111 elementor-widget elementor-widget-image\" data-id=\"20eed111\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" 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-29f7850 elementor-widget elementor-widget-text-editor\" data-id=\"29f7850\" 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\u5bf9IUL\u4fdd\u9669\u8d39\u7528\u6709\u4e86\u66f4\u591a\u4e86\u89e3\u3002\u5982\u679c\u4f60\u5bf9\u4eba\u5bff\u4fdd\u9669\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-1fbc9efb elementor-author-box--image-valign-top elementor-author-box--align-left elementor-widget elementor-widget-author-box\" data-id=\"1fbc9efb\" 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: \u00a0 \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":5362,"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-5333","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\/5333"}],"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=5333"}],"version-history":[{"count":41,"href":"https:\/\/smcovered.com\/cn\/wp-json\/wp\/v2\/posts\/5333\/revisions"}],"predecessor-version":[{"id":9634,"href":"https:\/\/smcovered.com\/cn\/wp-json\/wp\/v2\/posts\/5333\/revisions\/9634"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/smcovered.com\/cn\/wp-json\/wp\/v2\/media\/5362"}],"wp:attachment":[{"href":"https:\/\/smcovered.com\/cn\/wp-json\/wp\/v2\/media?parent=5333"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/smcovered.com\/cn\/wp-json\/wp\/v2\/categories?post=5333"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/smcovered.com\/cn\/wp-json\/wp\/v2\/tags?post=5333"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}