{"id":7634,"date":"2016-03-21T17:46:58","date_gmt":"2016-03-21T09:46:58","guid":{"rendered":"http:\/\/tokuhon.blog\/?p=7634"},"modified":"2018-02-04T14:35:16","modified_gmt":"2018-02-04T06:35:16","slug":"7634","status":"publish","type":"post","link":"https:\/\/tokuhon.blog\/?p=7634","title":{"rendered":"\u4fdd\u96aa\u7b56\u5283\uff1a\u4eba\u58fd\u4fdd\u96aa\u5e38\u898b\u7684\u689d\u6b3e\u2502\u7c73\u7f85"},"content":{"rendered":"<p><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" data-attachment-id=\"7641\" data-permalink=\"https:\/\/tokuhon.blog\/?attachment_id=7641\" data-orig-file=\"https:\/\/i0.wp.com\/tokuhon.blog\/wp-content\/uploads\/2018\/01\/e5a3bde99aaae6a29de6acbe-624x416.jpg?fit=624%2C416&amp;ssl=1\" data-orig-size=\"624,416\" data-comments-opened=\"1\" data-image-title=\"\u58fd\u96aa\u689d\u6b3e-624&amp;#215;416\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/tokuhon.blog\/wp-content\/uploads\/2018\/01\/e5a3bde99aaae6a29de6acbe-624x416.jpg?fit=624%2C416&amp;ssl=1\" class=\"alignnone size-full wp-image-7641\" src=\"https:\/\/i0.wp.com\/tokuhon.blog\/wp-content\/uploads\/2018\/01\/e5a3bde99aaae6a29de6acbe-624x416.jpg?resize=624%2C416&#038;ssl=1\" alt=\"\u58fd\u96aa\u689d\u6b3e-624x416\" width=\"624\" height=\"416\" \/><\/p>\n<p>\u4eba\u58fd\u4fdd\u96aa\u7684\u689d\u6b3e\u662f\u4fdd\u969c\u7acb\u7d04\u96d9\u65b9\uff0c\u5373\u6295\u4fdd\u65b9\u548c\u4fdd\u96aa\u516c\u53f8\uff0c\u4fdd\u55ae\u6703\u6709\u5404\u6709\u5dee\u7570\uff0c\u4ee5\u4e0b\u662f\u8f03\u5e38\u898b\u7684\u689d\u6b3e\uff1a<\/p>\n<p>\u4e0d\u722d\u8ad6\u689d\u6b3e(Incontestability Clause)<br 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\/>\n\u7576\u88ab\u4fdd\u4eba\u672a\u80fd\u5728\u4fdd\u55ae\u7de8\u7e73\u8cbb\u671f\u524d\u4ed8\u6b3e\uff0c\u4fdd\u96aa\u516c\u53f8\u6703\u63d0\u4f9b\u4e00\u500b\u5bec\u9650\u671f\uff0c\u6bd4\u5982\u4e00\u500b\u6708\uff0c\u7d66\u88ab\u4fdd\u4eba\u6709\u66f4\u591a\u7684\u6642\u9593\u6295\u4fdd\uff0c\u4ee5\u514d\u56e0\u90f5\u8aa4\u6216\u5176\u4ed6\u539f\u56e0\u800c\u5c0e\u81f4\u4fdd\u55ae\u4f5c\u5ee2\u3002\u53ea\u8981\u80fd\u5728\u5bec\u9650\u671f\u524d\u4ed8\u6b3e\uff0c\u5408\u7d04\u4ecd\u7136\u751f\u6548\u3002<\/p>\n<p>\u9000\u4fdd\u73fe\u91d1\u50f9\u503c\u689d\u6b3e(Surrender Value Clause)<br \/>\n\u7576\u4fdd\u91d1\u50f9\u503c\u8207\u6295\u4fdd\u4eba\u7e73\u4ed8\u984d\u51fa\u73fe\u5269\u9918\u6642\uff0c\u4fdd\u55ae\u5c31\u6703\u51fa\u73fe\u73fe\u91d1\u50f9\u503c(cash value)\uff0c\u5c24\u5176\u662f\u4e00\u4e9b\u5177\u6709\u5132\u84c4\u6210\u4efd\u7684\u5132\u84c4\u4eba\u58fd\u4fdd\u96aa\uff0c\u7576\u88ab\u4fdd\u4eba\u8981\u6c42\u9000\u6b3e\u6642\uff0c\u4ed6\u5c31\u6709\u6b0a\u5229\u5411\u4fdd\u96aa\u516c\u53f8\u9818\u53d6\u4fdd\u55ae\u7684\u73fe\u91d1\u50f9\u503c\u3002\u6709\u6642\u751a\u81f3\u6703\u6709\u5404\u5e74\u5ea6\u9000\u51fa\u8a08\u5283\u6642\u61c9\u6709\u7684\u6700\u4f4e\u9000\u4fdd\u73fe\u91d1\u50f9\u503c\uff0c\u4ee5\u53cd\u6620\u88ab\u4fdd\u4eba\u7684\u6b0a\u76ca\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u4eba\u58fd\u4fdd\u96aa\u7684\u689d\u6b3e\u662f\u4fdd\u969c\u7acb\u7d04\u96d9\u65b9\uff0c\u5373\u6295\u4fdd\u65b9\u548c\u4fdd\u96aa\u516c\u53f8\uff0c\u4fdd\u55ae\u6703\u6709\u5404\u6709\u5dee\u7570\uff0c\u4ee5\u4e0b\u662f\u8f03\u5e38\u898b\u7684\u689d\u6b3e\uff1a \u4e0d\u722d\u8ad6\u689d\u6b3e(Inco 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