{"id":1950,"date":"2020-11-02T22:37:04","date_gmt":"2020-11-03T03:37:04","guid":{"rendered":"https:\/\/calexma.org\/cn\/?page_id=1950"},"modified":"2020-11-07T18:36:44","modified_gmt":"2020-11-07T23:36:44","slug":"financial_planning","status":"publish","type":"page","link":"https:\/\/calexma.org\/cn\/financial_planning\/","title":{"rendered":"\u5bb6\u5ead\u8d22\u4ea7\u5b89\u5168\u89c4\u5212"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Nov. 7, 2020<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6211\u4eec\u6d77\u5916\u534e\u4eba\u7684\u5bb6\u5ead\uff0c\u591a\u6570\u90fd\u662f\u901a\u8fc7\u52aa\u529b\u5de5\u4f5c\u6765\u652f\u4ed8\u623f\u8d37\u3001\u4fdd\u969c\u5bb6\u5ead\u751f\u6d3b\u548c\u5b69\u5b50\u6559\u80b2\u3002\u5982\u679c\u5bb6\u5ead\u4e3b\u8981\u6536\u5165\u7684\u9876\u6881\u67f1\u53d1\u751f\u610f\u5916\uff0c\u5bb6\u5ead\u7684\u6240\u6709\u4e00\u5207\u5c06\u53d7\u5230\u5de8\u5927\u6253\u51fb\uff0c\u8fdc\u5728\u5929\u8fb9\u7684\u4eb2\u670b\u597d\u53cb\u5f88\u53ef\u80fd\u90fd\u65e0\u80fd\u4e3a\u529b\u3002\u5728\u8fc7\u53bb\u534a\u5e74\uff0c\u6211\u4eec\u8eab\u8fb9\u6709\u4e24\u4e2a\u5bb6\u5ead\u906d\u9047\u4e86\u8fd9\u79cd\u610f\u5916\uff0c\u5bb6\u5ead\u4e0d\u4ec5\u8981\u5fcd\u53d7\u5931\u53bb\u4eb2\u4eba\u7684\u75db\u82e6\uff0c\u8fd8\u8981\u9762\u5bf9\u65e0\u6cd5\u652f\u4ed8\u5de8\u5927\u5bb6\u5ead\u5f00\u652f\u7684\u56f0\u5883\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e3a\u4e86\u6700\u5927\u7a0b\u5ea6\u51cf\u8f7b\u8fd9\u79cd\u610f\u5916\u7ed9\u5bb6\u5ead\u5e26\u6765\u7684\u707e\u96be\u6027\u51b2\u51fb\uff0c\u83b1\u9547\u534e\u76dfCALex\u4e49\u5de5\u6536\u96c6\u7f16\u5199\u4e86\u8fd9\u4e2a\u5bb6\u5ead\u8d22\u4ea7\u5b89\u5168\u89c4\u5212\u6307\u5357\uff0c\u5e0c\u671b\u5bf9\u4e61\u4eb2\u4eec\u6709\u5e2e\u52a9\u3002\u8be5\u6307\u5357\u5206\u56db\u90e8\u5206\uff0c\u5305\u62ec<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">1. \u5b9a\u671f\u4eba\u5bff\u4fdd\u9669 Term Life Insurance<br>2. \u96c7\u4e3b\u63d0\u4f9b\u7684\u4eba\u5bff\u548c\u76f8\u5173\u4fdd\u9669<br>3. \u5e26\u6295\u8d44\u56de\u62a5\u7684\u4eba\u5bff\u4fdd\u9669<br>4. \u8d44\u4ea7\u4f20\u627f\u89c4\u5212\uff08Estate Planning, Will &amp; Trust\uff09<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. \u5b9a\u671f\u4eba\u5bff\u4fdd\u9669 Term Life Insurance<\/h3>\n\n\n\n<h5 class=\"wp-block-heading\"><strong>\u4ec0\u4e48\u662f\u5b9a\u671f\u4eba\u5bff\u4fdd\u9669\uff1f<\/strong><\/h5>\n\n\n\n<p class=\"wp-block-paragraph\">\u5f53\u627f\u4fdd\u4eba\u8d2d\u4e70\u5b9a\u671f\u4eba\u5bff\u4fdd\u9669\u65f6\uff0c\u4fdd\u9669\u516c\u53f8\u627f\u8bfa\uff0c\u5982\u679c\u627f\u4fdd\u4eba\u5728\u4fdd\u5355\u6709\u6548\u671f\u5185\u6b7b\u4ea1\uff0c\u5b83\u5c06\u5411\u627f\u4fdd\u4eba\u7684\u53d7\u76ca\u4eba\u652f\u4ed8\u6240\u8d2d\u4e70\u7684\u627f\u4fdd\u91d1\u989d\u3002\u4f5c\u4e3a\u4ea4\u6362\uff0c\u627f\u4fdd\u4eba\u9700\u8981\u5728\u4efb\u671f\u5185\u4e3a\u4fdd\u9669\u516c\u53f8\u6bcf\u6708\u652f\u4ed8\u4fdd\u8d39\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u60a8\u7684\u5bb6\u5ead\u4f9d\u9760\u60a8\u7684\u6536\u5165\uff0c\u5219\u5b9a\u671f\u4eba\u5bff\u4fdd\u9669\u5e94\u8be5\u662f\u4e3a\u60a8\u5bb6\u5ead\u7684\u672a\u6765\u8d22\u653f\u5b89\u5168\u505a\u51fa\u89c4\u5212\u7684\u7b2c\u4e00\u4ef6\u4e8b\u3002<\/p>\n\n\n\n<h5 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class=\"wp-block-paragraph\">\u4e0e\u5176\u4ed6\u7c7b\u578b\u7684\u4eba\u5bff\u4fdd\u9669\u76f8\u6bd4\uff0c\u7531\u4e8e\u5176\u6210\u672c\u4f4e\u5ec9\uff0c\u5b9a\u671f\u4eba\u5bff\u4fdd\u9669\u662f\u4e00\u79cd\u53d7\u6b22\u8fce\u7684\u4eba\u5bff\u4fdd\u9669\u9009\u62e9\u3002&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4eba\u4eec\u9009\u62e9\u4eba\u5bff\u4fdd\u9669\u662f\u4e3a\u4e86\u4eb2\u4eba\u7684\u8d22\u52a1\u5b89\u5168\uff0c\u5305\u62ec\u4fdd\u62a4\u5b69\u5b50\u7684\u8d22\u52a1\u672a\u6765\u3002\u5728\u51b3\u5b9a\u4eba\u5bff\u4fdd\u9669\u65f6\uff0c\u8bf7\u8003\u8651\u60a8\u6240\u8986\u76d6\u7684\u4eba\u4ee5\u53ca\u6700\u91cd\u8981\u7684\u8d22\u52a1\u76ee\u6807\u3002\u8fd9\u5c06\u5e2e\u52a9\u60a8\u9009\u62e9\u5408\u9002\u7684\u53d7\u76ca\u4eba\u548c\u627f\u4fdd\u91d1\u989d\u3002&nbsp;<\/p>\n\n\n\n<h5 class=\"wp-block-heading\"><strong>\u5982\u679c\u4e0d\u51fa\u610f\u5916\uff0c\u5b9a\u671f\u4eba\u5bff\u4fdd\u9669\u662f\u5426\u6709\u56de\u62a5\uff1f<\/strong><\/h5>\n\n\n\n<p class=\"wp-block-paragraph\">\u6ca1\u6709\u3002\u8d2d\u4e70\u5b9a\u671f\u4eba\u5bff\u4fdd\u9669\u662f\u8981\u83b7\u5f97\u201c\u5b89\u5fc3\u201d\uff0c\u5e76\u4e0d\u662f\u6295\u8d44\u7406\u8d22\u3002\u6bcf\u6708\u53ef\u80fd\u7528\u60a8\u4e00\u6b21\u9910\u9986\u7528\u9910\u5de6\u53f3\u7684\u8d39\u7528\uff0c\u6362\u6765\u4e00\u5bb6\u4eba\u7684\u8d22\u4ea7\u5e73\u5b89\uff0c\u5e94\u8be5\u662f\u4e2a\u660e\u667a\u7684\u9009\u62e9\u3002<\/p>\n\n\n\n<h5 class=\"wp-block-heading\"><strong>\u5b9a\u671f\u4eba\u5bff\u4fdd\u9669\u4fdd\u591a\u957f\u65f6\u95f4\uff1f<\/strong><\/h5>\n\n\n\n<p class=\"wp-block-paragraph\">\u65f6\u957f\u901a\u5e38\u4e3a10\u300120\u621630\u5e74\u3002 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class=\"wp-block-heading\"><strong>\u5b9a\u671f\u4eba\u5bff\u4fdd\u9669\u662f\u5426\u9700\u8981\u8eab\u4f53\u4f53\u68c0\uff1f<\/strong><\/h5>\n\n\n\n<p class=\"wp-block-paragraph\">\u9700\u8981\u3002\u8be5\u68c0\u67e5\u901a\u5e38\u6db5\u76d6\u60a8\u7684\u8eab\u9ad8\uff0c\u4f53\u91cd\uff0c\u8840\u538b\uff0c\u75c5\u53f2\u4ee5\u53ca\u8840\u6db2\u548c\u5c3f\u6db2\u68c0\u67e5\u3002<\/p>\n\n\n\n<h5 class=\"wp-block-heading\"><strong>\u5b9a\u671f\u4eba\u5bff\u4fdd\u9669\u8981\u4e70\u591a\u5c11\u4fdd\u989d\uff1f&nbsp;<\/strong><\/h5>\n\n\n\n<p 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class=\"wp-block-paragraph\">\u53ef\u4ee5\u3002\u4f46\u8bf7\u8bb0\u4f4f\u60a8\u9700\u8981\u8d2d\u4e70\u4fdd\u9669\u7684\u6700\u521d\u539f\u56e0\u3002\u5982\u679c\u60a8\u8fd8\u9700\u8981\u4eba\u5bff\u4fdd\u9669\uff0c\u8d2d\u4e70\u53e6\u4e00\u4efd\u4fdd\u5355\u7684\u5e74\u5ea6\u4fdd\u8d39\u53ef\u80fd\u4f1a\u66f4\u52a0\u6602\u8d35\uff0c\u56e0\u4e3a\u60a8\u5e74\u7eaa\u66f4\u5927\uff0c\u5e76\u4e14\u4fdd\u9669\u516c\u53f8\u4f1a\u8003\u8651\u5065\u5eb7\u72b6\u51b5\u3002\u5e74\u8f7b\u5065\u5eb7\u65f6\u9009\u62e9\u5408\u9002\u7684\u957f\u671f\u4fdd\u9669\u4e0d\u53d8\u662f\u66f4\u597d\u7684\u9009\u62e9\u3002<\/p>\n\n\n\n<h5 class=\"wp-block-heading\"><strong>\u8c01\u662f\u53d7\u76ca\u4eba\uff1f\u7406\u8d54\u662f\u5426\u6709\u4f7f\u7528\u9650\u5236\uff1f<\/strong><\/h5>\n\n\n\n<p 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class=\"wp-block-paragraph\">\u4e0d\u53ef\u4ee5\u3002\u4fdd\u9669\u53ea\u9488\u5bf9\u672a\u77e5\u53ef\u80fd\u53d1\u751f\u7684\u4e8b\u4ef6\u3002\u5982\u679c\u60a8\u4e07\u4e00\u60a3\u91cd\u75c5\u518d\u60f3\u8d2d\u4e70\u4eba\u5bff\u4fdd\u9669\uff0c\u4fdd\u9669\u516c\u53f8\u4e0d\u4f1a\u63d0\u4f9b\u4eba\u5bff\u4fdd\u9669\u3002\u5982\u679c\u60a8\u9690\u7792\u75c5\u60c5\u8d2d\u4e70\uff0c\u5c5e\u4e8e\u4fdd\u9669\u6b3a\u8bc8\u3002\u4fdd\u9669\u516c\u53f8\u5c06\u8ffd\u56de\u4fdd\u989d\u5e76\u53ef\u80fd\u8ffd\u7a76\u6cd5\u5f8b\u8d23\u4efb\u3002<\/p>\n\n\n\n<h5 class=\"wp-block-heading\"><strong>\u5982\u4f55\u8d2d\u4e70\u5b9a\u671f\u4eba\u5bff\u4fdd\u9669?<\/strong><\/h5>\n\n\n\n<ul class=\"wp-block-list\"><li>\u4f7f\u7528<a href=\"https:\/\/www.insure.com\/lifeinsurance\/life-insurance-calculator\/results\/\">\u4eba\u5bff\u4fdd\u9669\u8ba1\u7b97\u5668<\/a>\u6765\u4f30\u8ba1\u60a8\u5e94\u8be5\u62e5\u6709\u591a\u5c11\u4fdd\u9669\u3002\u4eba\u5bff\u4fdd\u9669\u8ba1\u7b97\u5668\u4f1a\u8003\u8651\u60a8\u7684\u4e27\u846c\u8d39\uff0c\u62b5\u62bc\uff0c\u6536\u5165\uff0c\u503a\u52a1\uff0c\u6559\u80b2\u7a0b\u5ea6\uff0c\u4ee5\u4fbf\u60a8\u5bf9\u7406\u60f3\u7684\u4eba\u5bff\u4fdd\u9669\u91d1\u989d\u8fdb\u884c\u6e05\u6670\u7684\u4f30\u7b97\u3002<\/li><li>\u9009\u62e9\u4e00\u5bb6\u4eba\u5bff\u4fdd\u9669\u516c\u53f8\u3002Insure.com\u4f1a\u6839\u636e\u5ba2\u6237\u8bc4\u8bba\u7ef4\u62a4<a href=\"https:\/\/www.insure.com\/best-life-insurance-companies\/\">\u6700\u4f73\u4eba\u5bff\u4fdd\u9669\u516c\u53f8<\/a>\u7684\u5217\u8868\uff0c\u4ece\u800c\u4f7f\u9009\u62e9\u4fe1\u8a89\u826f\u597d\u7684\u4fdd\u9669\u516c\u53f8\u53d8\u5f97\u5bb9\u6613\u3002<\/li><li>\u9009\u62e9\u7b56\u7565\u7684\u957f\u5ea6\u3002\u5e38\u7528\u672f\u8bed\u5305\u62ec5\u5e74\uff0c10\u5e74\uff0c15\u5e74\uff0c20\u5e74\u548c30\u5e74\u3002\u00a0<\/li><li>\u9009\u62e9\u4fdd\u5355\u91d1\u989d\u3002\u8fd9\u662f\u60a8\u7684\u53d7\u76ca\u4eba\u5728\u60a8\u6b7b\u4ea1\u65f6\u5c06\u83b7\u5f97\u7684\u603b\u548c\u3002\u60a8\u9009\u62e9\u7684\u91d1\u989d\u5e94\u53d6\u51b3\u4e8e\u8bb8\u591a\u56e0\u7d20\uff0c\u5305\u62ec\u60a8\u7684\u6536\u5165\uff0c\u503a\u52a1\u548c\u5728\u8d22\u52a1\u4e0a\u4f9d\u8d56\u60a8\u7684\u4eba\u6570\u3002\u4f8b\u5982\uff0c\u73b0\u5728\u7f8e\u56fd\u56db\u5e74\u5236\u5f88\u591a\u5927\u5b66\u6bcf\u5e74\u5b66\u8d39\u751f\u6d3b\u8d39\u9ad8\u8fbe6-7\u4e07\u7f8e\u5143\u3002\u5982\u679c\u60a8\u7684\u5bb6\u5ead\u6709\u623f\u8d37\uff0c\u4e24\u4e2a\u5b69\u5b50\uff0c\u901a\u5e38\u53ef\u80fd\u9700\u8981\u8003\u8651\u7684\u4fdd\u5355\u91d1\u989d\u4f1a\u5728\u767e\u4e07\u4ee5\u4e0a\u3002<\/li><li>\u4f53\u68c0\u3002\u8be5\u68c0\u67e5\u901a\u5e38\u6db5\u76d6\u60a8\u7684\u8eab\u9ad8\uff0c\u4f53\u91cd\uff0c\u8840\u538b\uff0c\u75c5\u53f2\u4ee5\u53ca\u8840\u6db2\u548c\u5c3f\u6db2\u68c0\u67e5\u3002\u00a0<\/li><li>\u5236\u5b9a\u653f\u7b56\u3002\u4e00\u65e6\u60a8\u7684\u4fdd\u5355\u5c31\u4f4d\uff0c\u7ef4\u6301\u5b83\u5c31\u662f\u60a8\u6bcf\u6708\u652f\u4ed8\u4fdd\u8d39\u7684\u95ee\u9898\uff08\u4e5f\u53ef\u4ee5\u6309\u5e74\u652f\u4ed8\uff09\u3002\u4ece\u90a3\u65f6\u5f00\u59cb\uff0c\u5982\u679c\u627f\u4fdd\u4eba\u5728\u4fdd\u5355\u751f\u6548\u671f\u95f4\u6b7b\u4ea1\uff0c\u5219\u53d7\u76ca\u4eba\u5c06\u514d\u6536\u4fdd\u5355\u7684\u9762\u989d\u3002<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">2. \u96c7\u4e3b\u63d0\u4f9b\u7684\u4eba\u5bff\u548c\u76f8\u5173\u4fdd\u9669<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u8bb8\u591a\u96c7\u4e3b\u63d0\u4f9b\u4eba\u5bff\u4fdd\u9669\u4f5c\u4e3a\u4e00\u9879\u798f\u5229\uff0c\u79f0\u4e3a\u56e2\u4f53\u4eba\u5bff(Group Life Insurance)\u3002\u56e2\u4f53\u4eba\u5bff\u5305\u62ec\u57fa\u672c\u4fdd\u9669(Basic Life Insurance)\u548c\u8865\u5145\u4fdd\u9669(Supplemental Life Insurance)\u3002\u57fa\u672c\u4fdd\u9669\u901a\u5e38\u662f\u514d\u8d39\u7684\uff0c\u60a8\u6240\u8981\u505a\u7684\u5c31\u662f\u6ce8\u518c\uff0c\u6709\u65f6\u6ce8\u518c\u662f\u81ea\u52a8\u7684\u3002\u8865\u5145\u4fdd\u9669\u9700\u8981\u4ea4\u8f83\u5c11\u91cf\u7684\u8d39\u7528\u3002\u6ce8\u518c\u65f6\u95f4\u662f\u60a8\u521a\u5165\u804c\u6216\u8005\u6bcf\u5e74\u63a5\u8fd1\u5e74\u5e95\u65f6\u4e3a\u4e0b\u4e00\u5e74\u7684\u5404\u79cd\u4fdd\u9669\u6ce8\u518c\u5f00\u653e\u65f6\u95f4\u3002\u5176\u4ed6\u65f6\u95f4\u662f\u4e0d\u5141\u8bb8\u6ce8\u518c\u7684\uff0c\u9664\u975e\u5bb6\u5ead\u51fa\u73b0\u53d8\u5316\uff08\u6bd4\u5982\u914d\u5076\u5de5\u4f5c\u53d8\u5316\u3001\u5bb6\u5ead\u6210\u5458\u51fa\u73b0\u53d8\u5316\uff09\u3002\u53e6\u5916\uff0c\u7533\u8bf7\u4fdd\u9669\u65f6\u8bf7\u6307\u5b9a\u597d\u53d7\u76ca\u4eba\u3002\u5426\u5219\uff0c\u6839\u636e\u6cd5\u5f8b\u89c4\u5b9a\uff0c\u4efb\u4f55\u6536\u76ca\u90fd\u5c06\u6d41\u5411\u60a8\u7684\u914d\u5076\u6216\u5176\u4ed6\u4eb2\u621a\u3002<\/p>\n\n\n\n<h5 class=\"wp-block-heading\"><strong>\u57fa\u672c\u4e0e\u8865\u5145\u4fdd\u9669<\/strong><\/h5>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e0d\u540c\u96c7\u4e3b\u7684\u798f\u5229\u4e0d\u4e00\u6837\uff0c\u63d0\u4f9b\u7684\u57fa\u672c\u4fdd\u9669\u7684\u627f\u4fdd\u91d1\u989d\u4e5f\u4e0d\u540c\uff0c\u6bd4\u598225,000\u7f8e\u5143\uff0c50,000\u7f8e\u5143\uff0c\u6216\u5458\u5de5\u5e74\u85aa\u7684\u4e00\u500d\u6216\u4e24\u500d\u3002\u8fd9\u90e8\u5206\u4fdd\u9669\u901a\u5e38\u662f\u514d\u8d39\u7684\uff0c\u5e76\u4e14\u901a\u5e38\u53ef\u4ee5\u4fdd\u8bc1\u8986\u76d6\u8303\u56f4\uff0c\u56e0\u6b64\u6ca1\u6709\u7406\u7531\u4e0d\u63a5\u53d7\u5b83\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u60a8\u8fd8\u53ef\u4ee5\u9009\u62e9\u8d2d\u4e70\u8865\u5145\u4fdd\u9669\uff0c\u8fd9\u90e8\u5206\u4fdd\u9669\u7684\u4fdd\u989d\u901a\u5e38\u662f\u5458\u5de5\u5e74\u85aa\u7684\u500d\u6570\uff08\u6bd4\u5982\u4e00\u5230\u56db\u500d\uff09\u3002\u500d\u6570\u4f4e\u7684\u53ef\u4ee5\u4e0d\u9700\u8981\u4f53\u68c0\uff0c\u500d\u6570\u5927\u7684\u901a\u5e38\u9700\u8981\u586b\u5199\u5065\u5eb7\u8c03\u67e5\u8868\uff0c\u4fdd\u989d\u518d\u9ad8\u7684\u8bdd\u4f1a\u8981\u6c42\u4f53\u68c0\u518d\u51b3\u5b9a\u662f\u5426\u627f\u4fdd\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u53e6\u5916\uff0c\u96c7\u4e3b\u63d0\u4f9b\u7684\u4ed8\u8d39\u4fdd\u9669\u8fd8\u5305\u62ec\u8865\u5145\u610f\u5916\u6b7b\u4ea1\u548c\u81f4\u6b8b\u4fdd\u9669(Supplemental AD&amp;D Insurance)\uff0c\u53ef\u80fd\u8fd8\u4f1a\u5305\u62ec\u5bf9\u5bb6\u5ead\u6210\u5458\u7684\u4fdd\u9669\uff0c\u6bd4\u5982Spouse Life Insurance, Supplemental Spouse AD&amp;D, Supplemental Child AD&amp;D\u3002\u8bf7\u5173\u6ce8\u8fd9\u4e9b\u4fdd\u9669\u798f\u5229\uff0c\u5145\u5206\u5229\u7528\u597d\u3002<\/p>\n\n\n\n<h5 class=\"wp-block-heading\"><strong>\u5982\u4f55\u51b3\u5b9a<\/strong><\/h5>\n\n\n\n<p class=\"wp-block-paragraph\">\u9996\u5148\u8981\u505a\u7684\u662f\u5229\u7528\u597d\u96c7\u4e3b\u63d0\u4f9b\u7684\u514d\u8d39\u57fa\u672c\u56e2\u4f53\u4eba\u5bff\u4fdd\u9669\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u96c7\u4e3b\u63d0\u4f9b\u7684\u4fdd\u9669\u6709\u4fbf\u5229\u6027\u3001\u4ef7\u683c\u4f4e\u548c\u53ef\u63a5\u53d7\u7684\u7279\u70b9\u3002\u6839\u636e\u7f8e\u56fd\u4eba\u5bff\u4fdd\u9669\u7406\u4e8b\u4f1a\u7684\u6570\u636e\uff0c2015\u5e74\u751f\u6548\u7684\u6240\u6709\u4eba\u5bff\u4fdd\u9669\u4fdd\u5355\u4e2d\u670944\uff05\u662f\u901a\u8fc7\u56e2\u4f53\u8fdb\u884c\u7684\uff0c\u5305\u62ec\u5de5\u4f5c\u573a\u6240\uff0c\u6559\u5802\u548c\u5176\u4ed6\u534f\u4f1a\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5176\u7f3a\u70b9\u662f\u5982\u679c\u79bb\u804c\u7684\u8bdd\uff0c\u96c7\u4e3b\u63d0\u4f9b\u7684\u4fdd\u9669\u4e5f\u5c31\u6ca1\u6709\u4e86\uff1b\u5982\u679c\u6362\u5de5\u4f5c\uff0c\u65b0\u96c7\u4e3b\u7684\u4fdd\u9669\u798f\u5229\u4e5f\u4f1a\u6709\u4e0d\u540c\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5bf9\u4e8e\u9700\u8981\u4eba\u5bff\u4fdd\u9669\u4f46\u5c1a\u672a\u8d2d\u4e70\u7684\u4eba\u6765\u8bf4\uff0c\u96c7\u4e3b\u63d0\u4f9b\u7684\u4fdd\u9669\u662f\u5f88\u597d\u7684\u8fc7\u6e21\u3002\u5df2\u7ecf\u8d2d\u4e70\u4e86\u4eba\u5bff\u4fdd\u9669\u7684\uff0c\u96c7\u4e3b\u63d0\u4f9b\u7684\u53ef\u4ee5\u4f5c\u4e3a\u6709\u6548\u7684\u8865\u5145\u3002\u5bf9\u4e8e\u4ed8\u8d39\u90e8\u5206\u7684\u4fdd\u9669\uff0c\u5982\u679c\u89c9\u5f97\u4fdd\u8d39\u504f\u9ad8\u7684\u8bdd\uff0c\u53ef\u4ee5\u4e0e\u60a8\u81ea\u5df1\u627e\u7684\u5b9a\u671f\u4eba\u5bff\u4fdd\u9669\u4f5c\u6bd4\u8f83\u3002\u5373\u4f7f\u81ea\u5df1\u627e\u7684\u4fdd\u9669\u7684\u6210\u672c\u7565\u9ad8\uff0c\u4f46\u7531\u4e8e\u5176\u4e0d\u4f9d\u8d56\u4e8e\u96c7\u4f63\u5173\u7cfb\uff0c\u5b83\u4e5f\u4ecd\u7136\u53ef\u80fd\u662f\u66f4\u597d\u7684\u9009\u62e9\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3. \u5e26\u6295\u8d44\u56de\u62a5\u7684\u4eba\u5bff\u4fdd\u9669<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u5b9a\u671f\u4eba\u5bff\u4fdd\u9669\u548c\u96c7\u4e3b\u63d0\u4f9b\u7684\u4fdd\u9669\u5c5e\u4e8e\u57fa\u672c\u4fdd\u9669\uff0c\u4ef7\u683c\u4f4e\u5ec9\uff0c\u5b8c\u5168\u662f\u4e3a\u9632\u6b62\u610f\u5916\u7684\u4fdd\u9669\u3002\u4e0d\u5177\u6709\u4efb\u4f55\u6295\u8d44\u5c5e\u6027\u3002\u5982\u679c\u6ca1\u6709\u4eba\u8eab\u751f\u547d\u610f\u5916\uff0c\u6ca1\u6709\u4efb\u4f55\u56de\u62a5\u3002\u5c5e\u4e8e\u5c0f\u989d\u6295\u7f6e\u7528\u6765\u8d2d\u4e70\u5b89\u5fc3\uff0c\u9632\u6b62\u5de8\u5927\u5bb6\u5ead\u8d22\u653f\u707e\u96be\u76ee\u7684\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u9664\u6b64\u4e4b\u5916\uff0c\u5e02\u573a\u4e0a\u6709\u5f88\u591a\u79cd\u52a0\u5e26\u6295\u8d44\u5c5e\u6027\u7684\u4eba\u5bff\u4fdd\u9669\u3002\u5728\u6295\u8d44\u7a0e\u52a1\u4e0a\u90fd\u6709\u5f88\u590d\u6742\u7684\u89c4\u5212\u9700\u8981\u8003\u8651\u3002\u8d22\u653f\u6709\u6761\u4ef6\u548c\u9700\u8981\u7684\u5bb6\u5ead\u5efa\u8bae\u5411\u4e13\u4e1a\u4eba\u58eb\u8be2\u95ee\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5e95\u7ebf\u662f\u5bb6\u5ead\u5fc5\u987b\u81f3\u5c11\u6709\u5b9a\u671f\u4eba\u5bff\u4fdd\u9669\u6216\u5176\u5b83\u4eba\u5bff\u4fdd\u9669\u6765\u9632\u6b62\u5bb6\u5ead\u5931\u53bb\u6536\u5165\u65f6\u9762\u4e34\u5de8\u5927\u8d22\u653f\u707e\u96be\u3002\u5b9a\u671f\u4eba\u5bff\u4fdd\u9669\u4ef7\u683c\u4f4e\u5ec9\uff0c\u4e0d\u9700\u8fc7\u591a\u8ba1\u5212\u53ef\u4ee5\u76f4\u63a5\u8d2d\u4e70\u4e0a\uff0c\u53ef\u4ee5\u5148\u884c\u5b9e\u65bd\u3002\u6709\u66f4\u597d\u66ff\u4ee3\u65f6\u518d\u8003\u8651\u53d8\u66f4\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4. \u8d44\u4ea7\u4f20\u627f\u89c4\u5212\uff08Estate Planning, Will &amp; Trust\uff09<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f5c\u4e3a\u5bb6\u5ead\u89c4\u5212\u7684\u4e00\u90e8\u5206\uff0c\u6211\u4eec\u6bcf\u4e2a\u4eba\u90fd\u5e94\u8be5\u8003\u8651\u57fa\u672c\u7684\u9057\u5631\u548c\u4fe1\u6258\u5b89\u6392\u3002\u8fd9\u4e9b\u5b89\u6392\u5c06\u66f4\u597d\u7684\u4fdd\u62a4\u5bb6\u5ead\u8d22\u4ea7\uff0c\u9690\u79c1\uff0c\u7ed9\u5b50\u5973\u63d0\u4f9b\u66f4\u597d\u7684\u4fdd\u62a4\u3002\u7f3a\u4e4f\u8db3\u591f\u7684\u9057\u5631\u548c\u4fe1\u6258\u5b89\u6392\uff0c\u53ef\u80fd\u4f1a\u8ba9\u60a8\u7684\u5bb6\u5ead\u5728\u4e07\u4e00\u9762\u4e34\u7a81\u53d8\u4e4b\u65f6\u9677\u5165\u88ab\u52a8\u548c\u56f0\u96be\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u9057\u5631\u548c\u4fe1\u6258\u9700\u8981\u627e\u4e13\u4e1a\u5f8b\u5e08\u4e8b\u52a1\u6240\u54a8\u8be2\u3002\u5982\u679c\u60a8\u987e\u53ca\u5f8b\u5e08\u8d39\u7528\uff0c\u6709\u4e00\u4e2a\u53ef\u4ee5\u8003\u8651\u7684\u65b9\u6848\u3002\u5f88\u591a\u96c7\u4e3b\u4e3a\u96c7\u5458\u63d0\u4f9b\u7684\u5458\u5de5\u798f\u5229\u4e2d\u5305\u62ec\u4e00\u9879\u53ef\u4ee5\u9009\u8d2d\u7684\u6cd5\u5f8b\u4fdd\u9669\u8ba1\u5212(Legal Plan)\u3002\u8fd9\u4e2a\u8ba1\u5212\u53ef\u80fd\u5e74\u82b1\u8d39\u51e0\u767e\u7f8e\u5143\u4e4b\u5185\uff0c\u53ef\u4ee5\u7528\u4e8e\u60a8\u5f53\u5e74\u7684\u591a\u79cd\u6cd5\u5f8b\u9700\u8981\uff0c\u5305\u62ec\u623f\u5730\u4ea7\u6210\u4ea4\uff0c\u9057\u5631\u4fe1\u6258\u54a8\u8be2\u7b49\u3002\u5efa\u8bae\u60a8\u5728\u9009\u8d2d\u6cd5\u5f8b\u4fdd\u9669\u8ba1\u5212\u4e4b\u524d\uff0c\u5148\u9009\u62e9\u597d\u5f8b\u5e08\u4e8b\u52a1\u6240\uff0c\u5e76\u5411\u5f8b\u5e08\u54a8\u8be2\u662f\u5426\u63a5\u53d7\u60a8\u7684\u6cd5\u5f8b\u4fdd\u9669\u8ba1\u5212\u548c\u53ef\u4ee5\u5305\u62ec\u54ea\u4e9b\u6cd5\u5f8b\u670d\u52a1\u3002\u7136\u540e\u51b3\u5b9a\u60a8\u7684\u6cd5\u5f8b\u4fdd\u9669\u8ba1\u5212\u662f\u5426\u9002\u5408\u3002<\/p>\n\n\n\n<h6 class=\"wp-block-heading\">\u53c2\u8003\u8d44\u6599\uff1a<\/h6>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.insure.com\/life-insurance\/term-life.html\">https:\/\/www.insure.com\/life-insurance\/term-life.html<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.nerdwallet.com\/blog\/insurance\/pros-and-cons-of-life-insurance-through-work\/\">https:\/\/www.nerdwallet.com\/blog\/insurance\/pros-and-cons-of-life-insurance-through-work\/<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Nov. 7, 2020 \u6211\u4eec\u6d77\u5916\u534e\u4eba\u7684\u5bb6\u5ead\uff0c\u591a\u6570\u90fd\u662f\u901a\u8fc7\u52aa\u529b\u5de5\u4f5c\u6765\u652f\u4ed8\u623f\u8d37\u3001\u4fdd\u969c\u5bb6\u5ead\u751f\u6d3b\u548c\u5b69\u5b50\u6559\u80b2\u3002\u5982\u679c\u5bb6\u5ead &hellip; <a href=\"https:\/\/calexma.org\/cn\/financial_planning\/\" class=\"more-link\">\u7ee7\u7eed\u9605\u8bfb<span class=\"screen-reader-text\">\u201c\u5bb6\u5ead\u8d22\u4ea7\u5b89\u5168\u89c4\u5212\u201d<\/span><\/a><\/p>\n","protected":false},"author":8,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"om_disable_all_campaigns":false,"jetpack_post_was_ever_published":false,"footnotes":""},"class_list":["post-1950","page","type-page","status-publish","hentry"],"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/P9ifS0-vs","_links":{"self":[{"href":"https:\/\/calexma.org\/cn\/wp-json\/wp\/v2\/pages\/1950","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/calexma.org\/cn\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/calexma.org\/cn\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/calexma.org\/cn\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/calexma.org\/cn\/wp-json\/wp\/v2\/comments?post=1950"}],"version-history":[{"count":6,"href":"https:\/\/calexma.org\/cn\/wp-json\/wp\/v2\/pages\/1950\/revisions"}],"predecessor-version":[{"id":1990,"href":"https:\/\/calexma.org\/cn\/wp-json\/wp\/v2\/pages\/1950\/revisions\/1990"}],"wp:attachment":[{"href":"https:\/\/calexma.org\/cn\/wp-json\/wp\/v2\/media?parent=1950"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}