{"id":90,"date":"2021-04-16T05:33:22","date_gmt":"2021-04-16T05:33:22","guid":{"rendered":"https:\/\/everyone-can-be.org\/life-insurance-and-annuities\/"},"modified":"2025-01-31T01:52:03","modified_gmt":"2025-01-31T01:52:03","slug":"life-insurance-and-annuities","status":"publish","type":"post","link":"https:\/\/everyone-can-be.org\/zh\/life-insurance-and-annuities\/","title":{"rendered":"\u4eba\u5bff\u4fdd\u9669\u53ca\u5e74\u91d1"},"content":{"rendered":"

\u80cc\u666f\u4ecb\u7ecd<\/strong><\/h2>\n

\u4eba\u5bff\u4fdd\u9669\u516c\u53f8\u901a\u5e38\u63d0\u4f9b\u4e24\u79cd\u7c7b\u578b\u7684\u4ea7\u54c1\uff0c\u4eba\u5bff\u4fdd\u9669\u4ea7\u54c1\u548c\u5e74\u91d1\u4ea7\u54c1\u3002\u7531\u4e8e\u8fd9\u4e24\u79cd\u7c7b\u578b\u7684\u4ea7\u54c1\u5177\u6709\u4e0d\u540c\u7684\u98ce\u9669\uff0c\u6b7b\u4ea1\u98ce\u9669\u4e0e\u957f\u5bff\u98ce\u9669\uff0c\u56e0\u6b64\u62e5\u6709\u8fd9\u4e24\u79cd\u4ea7\u54c1\u53ef\u4ee5\u8ba9\u516c\u53f8\u66f4\u597d\u5730\u7ba1\u7406\u98ce\u9669\u3002\u5982\u679c\u88ab\u4fdd\u9669\u4eba\u6b7b\u4ea1\uff0c\u4eba\u5bff\u4fdd\u9669\u4ea7\u54c1\u4f1a\u4e3a\u5176\u4eb2\u4eba\u63d0\u4f9b\u7ecf\u6d4e\u4fdd\u62a4\u3002\u5e74\u91d1\u4ea7\u54c1\u53ef\u4ee5\u4f5c\u4e3a\u9000\u4f11\u6536\u5165\u5de5\u5177\u3002\u5b83\u901a\u8fc7\u6295\u4fdd\u4eba\u652f\u4ed8\u7684\u5355\u7b14\u6216\u591a\u7b14\u4fdd\u8d39\uff0c\u4e3a\u6295\u4fdd\u4eba\u63d0\u4f9b\u5355\u7b14\u6536\u5165\u652f\u4ed8\u6216\u4e00\u7cfb\u5217\u6536\u5165\u652f\u4ed8\u3002<\/p>\n

\u8fd9\u7bc7\u6587\u7ae0\u6982\u8ff0\u4e86\u4e3b\u8981\u7684\u4eba\u5bff\u4fdd\u9669\u4ea7\u54c1\u548c\u5e74\u91d1\u4ea7\u54c1\u3002\u5728\u5e02\u573a\u4e0a\uff0c\u6bcf\u4e2a\u4ea7\u54c1\u7c7b\u522b\u4e0b\u90fd\u6709\u591a\u6837\u5316\u7684\u5b50\u4ea7\u54c1\u3002\u8fd9\u91cc\u6240\u63d0\u5230\u7684\u4fe1\u606f\u4ec5\u4f9b\u4f60\u7684\u53c2\u8003\uff0c\u8fd9\u4e9b\u5185\u5bb9\u4e0d\u662f\u4e3a\u4e86\u63d0\u4f9b\u5efa\u8bae\uff0c\u56e0\u4e3a\u4ea7\u54c1\u7684\u9009\u62e9\u771f\u7684\u53d6\u51b3\u4e8e\u4e2a\u4eba\u6216\u5bb6\u5ead\u7684\u9700\u6c42\u3002\u7136\u800c\uff0c\u5e0c\u671b\u8fd9\u7b80\u77ed\u7684\u4ecb\u7ecd\u80fd\u8ba9\u4f60\u4e86\u89e3\u6bcf\u4e2a\u4ea7\u54c1\u7c7b\u522b\u7684\u80cc\u666f\u4fe1\u606f\uff0c\u4e5f\u8bb8\u7531\u6b64\u5e2e\u52a9\u4f60\u63a2\u7d22\u53ef\u80fd\u7684\u81ea\u6211\u9700\u6c42\u3002<\/p>\n

\u6709\u5173\u66f4\u591a\u7684\u4fdd\u9669\u4fe1\u606f\uff0c\u4f60\u53ef\u4ee5\u8bbf\u95ee\u7f8e\u56fd\u4fdd\u9669\u76d1\u7406\u5b98\u534f\u4f1a\uff08NAIC\uff09\u7f51\u7ad9\u3002\u5173\u4e8e\u4eba\u5bff\u4fdd\u9669\u53ef\u4ee5\u70b9\u8fd9\u4e2a\u94fe\u63a5 https:\/\/content.naic.org\/cipr-topics\/life-insurance<\/a> \u5173\u4e8e\u5e74\u91d1\u53ef\u4ee5\u70b9\u8fd9\u4e2a\u94fe\u63a5 https:\/\/content.naic.org\/cipr-topics\/annuities<\/a> \u4ee5\u4e0b\u4e00\u4e9b\u4ea7\u54c1\u4fe1\u606f\u4e5f\u53c2\u8003\u4e86NAIC\u7f51\u7ad9\u3002<\/p>\n

\"\"<\/h3>\n

\u00a0<\/h2>\n

\u4eba\u5bff\u4fdd\u9669<\/strong><\/h2>\n

\u5bf9\u4e8e\u4eba\u5bff\u4fdd\u9669\uff0c\u4f60\u8981\u8003\u8651\u5bf9\u4fdd\u9669\u7684\u9700\u6c42\u662f\u4ec5\u4e3a\u6db5\u76d6\u4e00\u6bb5\u65f6\u95f4\u8fd8\u662f\u6574\u4e2a\u751f\u547d\u5468\u671f\uff0c\u4ee5\u53ca\u662f\u5426\u4ec5\u7528\u4e8e\u4eba\u5bff\u4fdd\u9669\u76ee\u7684\uff0c\u8fd8\u662f\u4e5f\u4f1a\u8003\u8651\u6295\u8d44\u3002\u4ee5\u4e0b\u662f\u4e3b\u8981\u4ea7\u54c1\uff1a<\/p>\n

    \n
  • \n

    \u5b9a\u671f\u4eba\u5bff\u4fdd\u9669 \uff08\u7eaf\u4eba\u5bff\u4fdd\u9669\uff09<\/strong> \u2013 \u5b9a\u671f\u4eba\u5bff\u4fdd\u9669\u63d0\u4f9b\u7279\u5b9a\u5e74\u9650\u7684\u4eba\u5bff\u4fdd\u9669\u3002\u5b83\u7eaf\u7cb9\u662f\u4e3a\u4e86\u6db5\u76d6\u4eba\u5bff\u4fdd\u9669\uff0c\u56e0\u6b64\uff0c\u5b83\u6ca1\u6709\u73b0\u91d1\u4ef7\u503c\u6216\u6295\u8d44\u529f\u80fd\u3002\u6b63\u56e0\u4e3a\u5982\u6b64\uff0c\u5b83\u6bd4\u6c38\u4e45\u4eba\u5bff\u4fdd\u9669\u66f4\u4fbf\u5b9c\u3002\u6700\u5e38\u89c1\u7684\u5b9a\u671f\u4eba\u5bff\u4fdd\u9669\u662f\u5b9a\u671f\u4ea7\u54c1\uff08\u901a\u5e38\u4e3a10\u5e74\u300115\u5e74\u300120\u5e74\u548c30\u5e74\uff09\u3002\u65e0\u8bba\u88ab\u4fdd\u9669\u4eba\u7684\u5065\u5eb7\u72b6\u51b5\u5982\u4f55\uff0c\u4fdd\u9669\u91d1\u989d\u548c\u4fdd\u8d39\u90fd\u4fdd\u8bc1\u5728\u6307\u5b9a\u671f\u95f4\u5185\u4e0d\u53d8\u3002<\/p>\n<\/li>\n

  • \n

    \u6c38\u4e45\u4eba\u5bff\u4fdd\u9669 <\/strong>\u2013 \u6c38\u4e45\u4eba\u5bff\u4fdd\u9669\u4e3a\u88ab\u4fdd\u9669\u4eba\u7684\u6574\u4e2a\u751f\u547d\u5468\u671f\u63d0\u4f9b\u4fdd\u9669\uff0c\u9664\u975e\u6295\u4fdd\u4eba\u505c\u6b62\u652f\u4ed8\u4fdd\u8d39\u6216\u9000\u4fdd\u6216\u4ea7\u54c1\u73b0\u91d1\u4ef7\u503c\u4e0d\u8db3\u4ee5\u652f\u6301\u4fdd\u5355\u6709\u6548\u3002\u6c38\u4e45\u4eba\u5bff\u4fdd\u9669\u6709\u4e24\u79cd\u7c7b\u578b\uff0c\u5373\u7ec8\u8eab\u4fdd\u9669\u548c\u4e07\u80fd\u4eba\u5bff\u9669\u3002\u6bcf\u79cd\u7c7b\u578b\u53c8\u6709\u5404\u79cd\u5404\u6837\u7684\u5b50\u4ea7\u54c1\u3002\u8fd9\u4e9b\u4ea7\u54c1\u6bd4\u5b9a\u671f\u4eba\u5bff\u4fdd\u9669\u66f4\u8d35\u3002<\/p>\n

      \n
    • \n

      \u7ec8\u8eab\u4fdd\u9669 \u2013 \u8fd9\u79cd\u7c7b\u578b\u7684\u4fdd\u9669\u5728\u88ab\u4fdd\u9669\u4eba\u7684\u751f\u547d\u5468\u671f\u5185\u63d0\u4f9b\u56fa\u5b9a\u91d1\u989d\u7684\u4fdd\u9669\u3002\u5b83\u65e8\u5728\u5efa\u7acb\u5ef6\u8fdf\u7eb3\u7a0e\u7684\u73b0\u91d1\u4ef7\u503c\uff0c\u8fd9\u4e2a\u4ef7\u503c\u662f\u6536\u53d6\u7684\u4fdd\u8d39\u51cf\u53bb\u4ea7\u54c1\u8d39\u7528\u548c\u4fdd\u9669\u6210\u672c\u8d39\u7528\u7684\u7d2f\u79ef\u3002\u6295\u4fdd\u4eba\u53ef\u4ee5\u6839\u636e\u73b0\u91d1\u4ef7\u503c\u501f\u8d37\u3002\u6295\u4fdd\u4eba\u652f\u4ed8\u7684\u4fdd\u8d39\u53ef\u4ee5\u662f\u5355\u7b14\u4fdd\u8d39\uff0c\u4e5f\u53ef\u4ee5\u662f\u7279\u5b9a\u5e74\u4efd\u7684\u6709\u9650\u4ed8\u6b3e\u3002\u4e00\u4e9b\u7ec8\u8eab\u4fdd\u9669\u63d0\u4f9b\u7ea2\u5229\uff0c\u800c\u6709\u4e9b\u4e0d\u63d0\u4f9b\u3002\u524d\u8005\u88ab\u79f0\u4e3a\u5206\u7ea2\u4ea7\u54c1\uff08\u5373\u5206\u62c5\u4fdd\u9669\u516c\u53f8\u7684\u6295\u8d44\u3001\u8d39\u7528\u548c\u6b7b\u4ea1\u7387\u98ce\u9669\uff09\uff0c\u540e\u8005\u88ab\u79f0\u4e3a\u975e\u5206\u7ea2\u4ea7\u54c1\u3002<\/p>\n<\/li>\n

    • \n

      \u4e07\u80fd\u4eba\u5bff\u4fdd\u9669 \u2013 \u8fd9\u79cd\u7c7b\u578b\u7684\u4fdd\u9669\u4e3a\u4fdd\u5355\u7684\u73b0\u91d1\u8d26\u6237\u63d0\u4f9b\u63a8\u8fdf\u7eb3\u7a0e\u7684\u5229\u606f\u3002\u4fdd\u9669\u91d1\u989d\u548c\u4fdd\u8d39\u53ef\u4ee5\u7531\u6295\u4fdd\u4eba\u81ea\u884c\u51b3\u5b9a\u6539\u52a8\u3002\u53ea\u8981\u73b0\u91d1\u4ef7\u503c\u8db3\u4ee5\u652f\u4ed8\u4fdd\u9669\u6210\u672c\u8d39\u7528\uff0c\u8be5\u4fdd\u5355\u5c31\u4e00\u76f4\u6709\u6548\u3002<\/p>\n

        \n
      • \n

        \u4e00\u4e9b\u4e07\u80fd\u4eba\u5bff\u4fdd\u9669\u4ea7\u54c1\uff0c\u5982\u53d8\u989d\u4e07\u80fd\u5bff\u9669\u548c\u6307\u6570\u578b\u4e07\u80fd\u5bff\u9669\uff0c\u5177\u6709\u6295\u8d44\u7684\u529f\u80fd\u3002\u53d8\u989d\u4e07\u80fd\u5bff\u9669\u4e2d\u6295\u4fdd\u4eba\u8d26\u6237\u83b7\u53d6\u7684\u5229\u606f\u76f4\u63a5\u4e0e\u80a1\u7968\u3001\u503a\u5238\u6216\u5176\u5b83\u6295\u8d44\u6302\u94a9\uff0c\u56de\u62a5\u7387\u4e0d\u80fd\u4fdd\u8bc1\u3002\u4e8b\u5b9e\u4e0a\uff0c\u5b83\u53ef\u80fd\u4f1a\u6709\u8d1f\u56de\u62a5\u7387\uff08\u5177\u6709\u9ad8\u98ce\u9669\u7684\u6ce2\u52a8\u6027\uff09\u3002\u6307\u6570\u578b\u4e07\u80fd\u5bff\u9669\u4e2d\u6295\u4fdd\u4eba\u8d26\u6237\u83b7\u53d6\u7684\u5229\u606f\u4e0e\u5916\u90e8\u6295\u8d44\u6307\u6570\u6302\u94a9\uff0c\u5982\u503a\u5238\u6216\u6807\u51c6\u666e\u5c14500\u6307\u6570\u3002\u8fd9\u4e9b\u6307\u6570\u4ea7\u54c1\u901a\u5e38\u63d0\u4f9b\u6709\u4fdd\u8bc1\u7684\u5229\u606f\u56de\u62a5\u7387\u3002<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n

        \u00a0<\/h2>\n

        \u5e74\u91d1<\/strong><\/h2>\n

        \u5e74\u91d1\u53ef\u4ee5\u5206\u7c7b\u5982\u4e0b\uff1a<\/p>\n

          \n
        • \n

          \u5373\u671f\u5e74\u91d1<\/strong> \u2013 \u8fd9\u4e9b\u662f\u4ee5\u4e00\u6b21\u6027\u4ed8\u4fdd\u8d39\u8d2d\u4e70\u7684\u5e74\u91d1\u3002\u4fdd\u9669\u516c\u53f8\u5728\u6295\u4fdd\u4eba\u8d2d\u4e70\u4ea7\u54c1\u540e\u4e00\u5e74\u5185\u5f00\u59cb\u7ed9\u6295\u4fdd\u4eba\u652f\u4ed8\u5e74\u91d1\u6536\u5165\uff08\u5e74\u8fdb\u5316\u9636\u6bb5\uff09\u3002<\/p>\n<\/li>\n

        • \n

          \u5ef6\u671f\u5e74\u91d1 <\/strong>\u2013 \u8fd9\u4e9b\u4ea7\u54c1\u5305\u62ec\u79ef\u7d2f\u9636\u6bb5\u548c\u5e74\u91d1\u5316\u9636\u6bb5\u3002\u7531\u4e8e\u5e74\u91d1\u5316\u9636\u6bb5\u53d1\u751f\u5728\u672a\u6765\uff0c\u56e0\u6b64\u88ab\u79f0\u4e3a\u201c\u5ef6\u671f\u201d\u3002\u5728\u79ef\u7d2f\u9636\u6bb5\uff0c\u6295\u4fdd\u4eba\u652f\u4ed8\u7684\u4fdd\u8d39\uff08\u5355\u7b14\u6216\u7075\u6d3b\u591a\u7b14\uff09\u5c06\u968f\u7740\u83b7\u5f97\u7684\u63a8\u8fdf\u7eb3\u7a0e\u5229\u606f\u800c\u9010\u6b65\u589e\u52a0\u3002\u6839\u636e\u4e0d\u540c\u7684\u5229\u606f\u8ba1\u7b97\u65b9\u6cd5\uff0c\u5ef6\u671f\u5e74\u91d1\u53ef\u4ee5\u8fdb\u4e00\u6b65\u5206\u4e3a\u4ee5\u4e0b\u51e0\u7c7b\uff1a<\/p>\n

            \n
          • \n

            \u56fa\u5b9a\u5e74\u91d1 \u2013 \u5229\u7387\u8ba1\u7b97\u4ee5\u6700\u4f4e\u5229\u7387\u4e3a\u57fa\u7840\u548c\u4fdd\u8bc1\u3002<\/p>\n<\/li>\n

          • \n

            \u56fa\u5b9a\u6307\u6570\u5e74\u91d1 \u2013 \u5229\u7387\u8ba1\u7b97\u4e0e\u5916\u90e8\u6295\u8d44\u6307\u6570\u6302\u94a9\uff0c\u5982\u503a\u5238\u6216\u6807\u51c6\u666e\u5c14500\u6307\u6570\uff0c\u5e76\u5305\u542b\u6700\u4f4e\u4fdd\u8bc1\u5229\u7387\u3002<\/p>\n<\/li>\n

          • \n

            \u53ef\u53d8\u5e74\u91d1 \u2013 \u5229\u7387\u8ba1\u7b97\u4e0e\u80a1\u7968\u3001\u503a\u5238\u6216\u5176\u5b83\u6295\u8d44\u76f4\u63a5\u76f8\u5173\u3002\u6295\u4fdd\u4eba\u627f\u62c5\u6295\u8d44\u98ce\u9669\u3002<\/p>\n<\/li>\n<\/ul>\n

            \u00a0<\/p>\n<\/li>\n<\/ul>\n

            \u00a0<\/h3>\n

            \u00a0<\/h3>\n\n\n

            <\/p>","protected":false},"excerpt":{"rendered":"

            Background Life insurance companies usually offer two types of products, life insurance products and annuity products. As the two types of products have different risks, mortality vs. longevity, having both can allow the company to better manage the risks. A life insurance product provides financial protection to loved ones should the insured die. An annuity product works as a retirement income vehicle. It provides a single income payment or an income stream in exchange for […]<\/p>","protected":false},"author":1,"featured_media":81,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-90","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/everyone-can-be.org\/zh\/wp-json\/wp\/v2\/posts\/90","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/everyone-can-be.org\/zh\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/everyone-can-be.org\/zh\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/everyone-can-be.org\/zh\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/everyone-can-be.org\/zh\/wp-json\/wp\/v2\/comments?post=90"}],"version-history":[{"count":3,"href":"https:\/\/everyone-can-be.org\/zh\/wp-json\/wp\/v2\/posts\/90\/revisions"}],"predecessor-version":[{"id":6709,"href":"https:\/\/everyone-can-be.org\/zh\/wp-json\/wp\/v2\/posts\/90\/revisions\/6709"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/everyone-can-be.org\/zh\/wp-json\/wp\/v2\/media\/81"}],"wp:attachment":[{"href":"https:\/\/everyone-can-be.org\/zh\/wp-json\/wp\/v2\/media?parent=90"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/everyone-can-be.org\/zh\/wp-json\/wp\/v2\/categories?post=90"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/everyone-can-be.org\/zh\/wp-json\/wp\/v2\/tags?post=90"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}