{"id":7590,"date":"2016-03-28T17:06:52","date_gmt":"2016-03-28T09:06:52","guid":{"rendered":"http:\/\/tokuhon.blog\/?p=7590"},"modified":"2018-02-04T14:35:16","modified_gmt":"2018-02-04T06:35:16","slug":"7590","status":"publish","type":"post","link":"https:\/\/tokuhon.blog\/?p=7590","title":{"rendered":"\u4fdd\u96aa\u7b56\u5283\uff1a\u5982\u4f55\u8a08\u7b97\u500b\u4eba\u9700\u8981\u7684\u4fdd\u96aa\u91d1\u984d\uff1f\u2502\u7c73\u7f85"},"content":{"rendered":"

\"Life-Insurance-Calculator\"<\/p>\n

\u6709\u6642\u5927\u5bb6\u6703\u807d\u904e\u5169\u500b\u4fdd\u96aa\u540d\u8a5e\uff1aover insured \u548c under insured\u3002\u524d\u8005\u7684\u610f\u601d\u662f\u84c4\u610f\u8cfc\u904e\u5927\u984d\u7684\u4fdd\u96aa\uff0c\u4ee4\u4eba\u61f7\u7591\u662f\u4f01\u5716\u9a19\u53d6\u4fdd\u96aa\u91d1\u3002\u5f8c\u8005\u5247\u662f\u6307\u6240\u6295\u4fdd\u7684\u91d1\u984d\uff0c\u4e0d\u8db3\u4ee5\u62b5\u6d88\u6216\u7136\u51fa\u73fe\u7684\u640d\u5931\u3002<\/p>\n

\u5c07\u9019\u500b\u6982\u5ff5\u653e\u5728\u8ca1\u7522\u4fdd\u96aa\u8f03\u6613\u7406\u89e3\uff0c\u6bd4\u5982\u6709\u4e00\u67b6\u5e02\u503c\u6578\u5341\u842c\u7684\u6c7d\u8eca\uff0c\u5982\u679c\u4fdd\u984d\u9054\u767e\u591a\u4e8c\u767e\u842c\uff0c\u5c31\u662fover insured\uff1b\u53cd\u4e4b\u5982\u679c\u53ea\u662f\u8cb7\u6578\u842c\u5143\u4fdd\u984d\uff0c\u5c31\u662funder insured\u3002<\/p>\n

\u53ef\u662f\u5c07\u9019\u500b\u6982\u5ff5\u653e\u5728\u4eba\u8eab\u4fdd\u96aa\u53c8\u662f\u4e0d\u53ef\u884c\u5462\uff1f\u7562\u7adf\u4eba\u7684\u751f\u547d\uff0c\u662f\u7121\u50f9\u7684\uff0c\u5f88\u96e3\u8aaa\u67d0\u4e00\u500b\u4eba\u503c\u6578\u767e\u842c\uff0c\u800c\u53e6\u4e00\u500b\u4eba\u503c\u6578\u5104\uff0c\u7136\u5247\u600e\u6a23\u8a08\u7b97\u500b\u4eba\u9700\u8981\u7684\u4fdd\u96aa\u91d1\u984d\u5462\uff1f<\/p>\n

\u6211\u5011\u53ef\u4ee5\u5f9e\u4eba\u547d\u7684\u50f9\u503c\uff0c\u8f49\u70ba\u91cf\u5ea6\u8207\u67d0\u500b\u4eba\u6709\u95dc\u7684\u76f8\u95dc\u4eba\u4ed5\u6709\u591a\u5927\u7684\u4fdd\u96aa\u9700\u8981\uff0c\u4e00\u500b\u4eba\u5c0d\u4ed6\u7684\u914d\u5076\u548c\u672a\u6210\u5e74\u5b50\u5973\u6709\u53ef\u4fdd\u5229\u76ca(insured interest)\uff0c\u900f\u904e\u8a08\u7b97\u9019\u500b\u9700\u8981\u7684\u91d1\u984d\uff0c\u800c\u53bb\u8861\u91cf\u4fdd\u96aa\u91d1\u984d\u662f\u5426\u9069\u5408\u3002<\/p>\n

\u8a08\u7b97\u4fdd\u969c\u984d<\/p>\n

\u8a08\u7b97\u4ed6\u7684\u73fe\u91d1\u9700\u8981\uff0c\u5305\u62ec\u8981\u652f\u4ed8\u7684\u50b5\u52d9\u3001\u5bb6\u5ead\u7684\u8cbb\u7528\u3001\u5584\u7d42\u6709\u95dc\u8cbb\u7528\uff0c\u4ee5\u53ca\u5bb6\u5ead\u672a\u4f86\u5165\u606f\u9700\u8981\uff0c\u5f97\u51fa\u300c\u6240\u9700\u7e3d\u4fdd\u984d\u300d\uff08\u5373(A)\uff09\u3002\uff08\u6ce8\u610f\uff1a\u5bb6\u5ead\u672a\u4f86\u5165\u606f\u9700\u8981\uff0c\u662f\u6307\u6bcf\u6708\u5bb6\u5ead\u751f\u6d3b\u958b\u652f\u6e1b\u9664\u914d\u5076\u6536\u5165\uff09<\/p>\n

\u7136\u5f8c\uff0c\u8a08\u7b97\u53ef\u4ee5\u8b8a\u73fe\u7684\u8cc7\u7522\uff0c\u5305\u62ec\u5df2\u6709\u7684\u4eba\u58fd\u4fdd\u96aa\u4fdd\u969c\uff0c\u4ee5\u53ca\u53ef\u96a8\u6642\u5957\u73fe\u7684\u8cc7\u7522\uff08\u5373(B)\uff09\uff0c\u81ea\u4f4f\u7269\u696d\u8981\u7559\u7d66\u5bb6\u4eba\uff0c\u5c31\u7565\u53bb\u4e0d\u8a08\uff0c\u4e00\u4e9b\u5982\u53e4\u8463\u3001\u6c7d\u8eca\u4e4b\u985e\u96e3\u4ee5\u5957\u73fe\u7684\u8cc7\u7522\u4ea6\u4e0d\u8a08\u3002<\/p>\n

\u5169\u8005\u76f8\u5dee\u7684\u6de8\u503c\uff0c\u5c31\u662f\u5408\u9069\u7684\u4fdd\u969c\u984d\u3002\u4ee5\u4e0b\u662f\u53ef\u4ee5\u5354\u52a9\u8a08\u7b97\u7684\u6578\u8868\uff1a
\n<table width=”395″ border=”0″ cellspacing=”0″ cellpadding=”0″><colgroup> <col width=”320″ \/> <col width=”75″ \/> <\/colgroup>
\n<tbody>
\n<tr>
\n<td width=”320″ height=”22″>A. \u6240\u9700\u7684\u7e3d\u4fdd\u984d<\/td>
\n<td width=”75″><\/td>
\n<\/tr>
\n<tr>
\n<td width=”320″ height=”22″>\u50b5\u52d9\uff08\u5982\uff1a\u6309\u63ed\u4f9b\u6b3e\uff0c\u5176\u4ed6\u6b20\u6b3e\u7b49\uff09<\/td>
\n<td width=”75″>$<\/td>
\n<\/tr>
\n<tr>
\n<td width=”320″ height=”22″>\u5bb6\u5ead\u7684\u8cbb\u7528\uff08\u5982\uff1a\u6559\u80b2\u57fa\u91d1\uff09<\/td>
\n<td width=”75″>$<\/td>
\n<\/tr>
\n<tr>
\n<td width=”320″ height=”22″>\u5584\u7d42\u53ca\u6709\u95dc\u8cbb\u7528<\/td>
\n<td width=”75″>$<\/td>
\n<\/tr>
\n<tr>
\n<td width=”320″ height=”22″>\u5bb6\u5ead\u672a\u4f86\u5165\u606f\u9700\u8981<\/td>
\n<td width=”75″>$<\/td>
\n<\/tr>
\n<tr>
\n<td width=”320″ height=”22″><\/td>
\n<td><\/td>
\n<\/tr>
\n<tr>
\n<td style=”text-align: right;” width=”320″ height=”22″><strong>\u5c0f\u8a08<\/strong><\/td>
\n<td style=”text-align: center;” width=”75″><strong>(A)<\/strong><\/td>
\n<\/tr>
\n<tr>
\n<td width=”320″ height=”22″><\/td>
\n<td width=”75″><\/td>
\n<\/tr>
\n<tr>
\n<td width=”320″ height=”22″>B. \u53ef\u8b8a\u73fe\u8cc7\u7522<\/td>
\n<td width=”75″><\/td>
\n<\/tr>
\n<tr>
\n<td width=”320″ height=”22″>\u5df2\u6709\u7684\u4eba\u58fd\u4fdd\u96aa\u4fdd\u969c<\/td>
\n<td width=”75″>$<\/td>
\n<\/tr>
\n<tr>
\n<td width=”320″ height=”22″>\u53ef\u52d5\u7528\u8cc7\u7522\uff08e.g. \u5132\u84c4\/\u80a1\u7968\/\u8b49\u5238\/\u50b5\u5238\uff09<\/td>
\n<td width=”75″>$<\/td>
\n<\/tr>
\n<tr>
\n<td width=”320″ height=”22″>\u5176\u4ed6<\/td>
\n<td width=”75″>$<\/td>
\n<\/tr>
\n<tr>
\n<td width=”320″ height=”23″><\/td>
\n<td width=”75″><\/td>
\n<\/tr>
\n<tr>
\n<td style=”text-align: right;” width=”320″ height=”23″><strong>\u5c0f\u8a08<\/strong><\/td>
\n<td style=”text-align: center;” width=”75″><strong>(B)<\/strong><\/td>
\n<\/tr>
\n<tr>
\n<td width=”320″ height=”22″><\/td>
\n<td width=”75″><\/td>
\n<\/tr>
\n<tr>
\n<td width=”320″ height=”23″>C. \u53ef\u8b8a\u73fe\u8cc7\u7522<\/td>
\n<td width=”75″><\/td>
\n<\/tr>
\n<tr>
\n<td style=”text-align: right;” width=”320″ height=”23″><strong>(A) – (B)<\/strong><\/td>
\n<td width=”75″><\/td>
\n<\/tr>
\n<\/tbody>
\n<\/table>
\n\u9019\u7a2e\u8a08\u6cd5\uff0c\u53ef\u4ee5\u8abf\u7bc0\u5230\u4e0d\u540c\u7684\u751f\u6d3b\u6c34\u5e73\uff0c\u53ea\u9700\u8981\u8a08\u7b97\u51fa\u5408\u9069\u7684\u5bb6\u5ead\u672a\u4f86\u5165\u606f\u9700\u8981\u3002<\/p>\n

\u7406\u8ad6\u4e0a\uff0c\u9019\u500b\u4eba\u96e2\u4e16\u800c\u7372\u5f97\u76f8\u61c9\u7684\u4fdd\u91d1\u8ce0\u511f\uff0c\u4ed6\u7684\u5bb6\u4eba\u751f\u6d3b\u6c34\u5e73\u5c07\u4e0d\u6703\u964d\u4f4e\u3002<\/p>\n

\u7576\u7136\uff0c\u4eba\u547d\u7121\u50f9\uff0c\u4fdd\u96aa\u4e0d\u80fd\u88dc\u511f\u5230\u5fc3\u9748\u4e0a\u7684\u50b7\u75db\uff0c\u4f46\u80fd\u5920\u5728\u7269\u8cea\u4e0a\u4f5c\u51fa\u4fdd\u511f\uff0c\u7e3d\u7b97\u662f\u5c0d\u5bb6\u4eba\u7684\u4e00\u7a2e\u5fc3\u610f\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"

\u6709\u6642\u5927\u5bb6\u6703\u807d\u904e\u5169\u500b\u4fdd\u96aa\u540d\u8a5e\uff1aover insured \u548c under insured\u3002\u524d\u8005\u7684\u610f\u601d\u662f\u84c4\u610f\u8cfc\u904e\u5927\u984d […]<\/p>\n","protected":false},"author":2,"featured_media":7612,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_bbp_topic_count":0,"_bbp_reply_count":0,"_bbp_total_topic_count":0,"_bbp_total_reply_count":0,"_bbp_voice_count":0,"_bbp_anonymous_reply_count":0,"_bbp_topic_count_hidden":0,"_bbp_reply_count_hidden":0,"_bbp_forum_subforum_count":0,"advanced_seo_description":"","jetpack_seo_html_title":"","jetpack_seo_noindex":false,"jetpack_seo_schema_type":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_wpcom_ai_launchpad_first_post":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"{title}\n\n{excerpt}\n\n{url}","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"_wpas_customize_per_network":false,"jetpack_post_was_ever_published":false},"categories":[603638463,603689565,602147501],"tags":[18088608,603689632,603689631,311531],"class_list":["post-7590","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-milocalize","category-column","category-investment","tag-18088608","tag-603689632","tag-603689631","tag-311531"],"jetpack_publicize_connections":[],"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/s9lhKB-7590","jetpack_likes_enabled":true,"jetpack_featured_media_url":"https:\/\/i0.wp.com\/tokuhon.blog\/wp-content\/uploads\/2018\/01\/life-insurance-calculator.jpg?fit=640%2C480&ssl=1","_links":{"self":[{"href":"https:\/\/tokuhon.blog\/index.php?rest_route=\/wp\/v2\/posts\/7590","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/tokuhon.blog\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/tokuhon.blog\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/tokuhon.blog\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/tokuhon.blog\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=7590"}],"version-history":[{"count":1,"href":"https:\/\/tokuhon.blog\/index.php?rest_route=\/wp\/v2\/posts\/7590\/revisions"}],"predecessor-version":[{"id":7613,"href":"https:\/\/tokuhon.blog\/index.php?rest_route=\/wp\/v2\/posts\/7590\/revisions\/7613"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/tokuhon.blog\/index.php?rest_route=\/wp\/v2\/media\/7612"}],"wp:attachment":[{"href":"https:\/\/tokuhon.blog\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=7590"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/tokuhon.blog\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=7590"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/tokuhon.blog\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=7590"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}