ºÍÂ¥ÉϹ۵ãÏàͬ¡£ÆäʵÒÔÇ°¾ÍÓÐÌÖÂÛ¹ýÀàËƵIJúÆ·£¬ÎÒ¸öÈ˺ܲ»ÍƼöͶ×ÊÁ´½Ó±£µ¥¡£
ÕýÈç x4 ˵µÄ£¬¿Í»§Ç°5Äê½»µÄ±£·Ñ£¬Í¨¹ýÓ¶½ðºÍÏúÊÛ·ÑÀ´¼õÉÙͶÈë»ù½ðµÄ±ÈÀý£¬¶øºóÆÚ½»µÄ±£·Ñ£¬ÀïÃæµÄ ¡°Mortality Charge¡±£¨Ò²½Ð¡°Benefit Charge¡±£¬¾ÍÊÇ x4 ˵µÄ¡°Ô½À´Ô½¹óµÄ±£·Ñ¡±£©»áËæ×ÅÄêÁäµÄÔö³¤¼±ËÙÔö¼Ó£¬ºÜ¿ÉÄܳԵôÇ°ÆÚ»ýÀÛµÄÀûÈó£¨if any£©¡£
¾Ù¸öÀý×Ó£¬ÄãÔÚ30ËêʱºòÂòµÄÒ»·Ý ILP ±£µ¥£¬¼ÙÉèÄãÑ¡µÄ±£¶îÊÇ10Íòбң¬ÄÇô Mortality Charge ´ó¸ÅÊÇ$50/Ä꣨´Ó unit Àï¿Û³ý£©£¬Èç¹ûÄã³ÖÐø³ÖÓе½60Ë꣬ͬÑù10Íòбҵı£¶î£¬ÕâʱºòÄãÐèÒª½»µÄ Mortality Charge ¾ÍÊÇ$700/Ä꣬ÊÇ30ËêµÄʱºòµÄÊ®¼¸±¶¡£Èç¹û¼ÌÐø³ÖÓе½80Ë꣬ÄDz»½öÄã³ÖÐø½»µÄ±£·Ñ²»¹»Õâ¸ö Mortality Charge£¬ÄãÔÀ´»ýÀÛµÄ policy value Ò²»á±»Ô½À´Ô½¹óµÄ Mortality Charge ³Ôµô£¬Ò»Ö±µ½0£¬ÕâʱºòÄãµÄ±£µ¥¾ÍÖжÏÁË¡£
ËùÒÔÈç¹ûÒ»·Ý ILP ±£µ¥£¬ÄãÒ»Ö±³ÖÐø³ÖÓУ¬²¢ÇÒά³ÖÏàͬµÄ±£¶î£¬ÄǺܿÉÄÜÔÚ°ËÊ®¶àËêµÄʱºò£¬Äã½»ÁËÒ»±²×Ó±£·Ñ£¬×îºóʣϠ0 ¡ª¡ª ±£µ¥ÖжϵĻ°£¬¾Í¼ÈûÓб£ÕÏ£¬Ò²Ã»ÓÐ cash value ÁË¡£
¡ª¡ª ΪʲôÄÇô¶à´úÀíϲ»¶ÍÆ ILP £¿ÒòΪ ILP ÊDZ£ÏÕ¹«Ë¾×î׬ǮµÄ²úÆ·£¬Ò²ÊǸø´úÀíÓ¶½ð×î¸ßµÄ²úÆ·¡£
ËùÒÔ·ÇÒª¿¼ÂÇÈËÊÙ£¬ÎÒ¸öÈËÏÔÈ»»á¸üÇãÏòÓÚ´«Í³ÐÍÈËÊÙ±£µ
ÎÒ¸öÈ˾õµÃ¹þ£¬30ËêÔÙÈëILPÊDz»ÊÇÌ«ÍíÁË£¿
ÒòΪÄã˵µÄÄǸömortality charges¾ÍÒѾ¸ßÁË¡£Èç¹ûÂò¸øº¢×ÓÄØ£¬¾Í²»Ò»ÑùÁË¡£ËùÒÔ£¬ÎÒÂò¸øº¢×Ó£¬Ò»·½ÃæÊÇÈËÊÙ±£ÏÕ£¬ÁíÒ»·½Ã棬Ҳ¿ÉÒÔ×÷Ϊ½ÌÓý´¢ÐÐèÒªµÄʱºò¿ÉÒÔÈ¡³ö²¿·ÖÇ®¡£µÈËû³¤´óÁË£¬Õâ¸ö±£µ¥¾ÍËæËû´¦ÀíÁË¡£Èç¹û30ËêÁË»¹Ã»Âò±£ÏÕ£¬»¹ÊÇÂò´«Í³±£µ¥°É¡£
µ±È»ÕâÊǶÔÓÚûÓÐÆäËûͶ×ÊÇþµÀµÄÈËÀ´ËµÀ²£¬¹ÉƱ²»»áÍ棬Íâ»ã²»»á³´£¬·¿ÊÐÓÖÒª´ó±Ê×ʽð£¬ÎÒҲûÓС£
µ±È»ÕâÊǶÔÓÚûÓÐÆäËûͶ×ÊÇþµÀµÄÈËÀ´ËµÀ²£¬¹ÉƱ²»»áÍ棬Íâ»ã²»»á³´£¬·¿ÊÐÓÖÒª´ó±Ê×ʽð£¬ÎÒҲûÓС£
[±¾ÎÄ·¢ËÍ×Ô»ªÐÂiOS App]