道一道终身寿产品的独特功能
<div class="wx_rich_media_content" id="jsWxContainer"><section style='box-sizing: border-box;font-size: 16px;'><section style='margin: 26px 0% 10px;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 100%;vertical-align: top;background-color: rgb(236, 251, 255);padding-right: 6px;padding-bottom: 5px;padding-left: 6px;border-width: 0px 0px 1px;border-bottom-style: dashed;border-bottom-right-radius: 0px;border-bottom-color: rgb(128, 205, 255);box-sizing: border-box;'><section style='margin-top: -16px;margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 100%;vertical-align: top;border-width: 1px;border-radius: 0px;border-style: solid;border-color: rgb(128, 205, 255);background-color: rgb(255, 255, 255);padding: 10px 16px;box-sizing: border-box;'><section style='margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='font-size: 14px;color: rgb(80, 84, 86);letter-spacing: 1.5px;line-height: 1.8;box-sizing: border-box;'><p style='text-indent: 2em; box-sizing: border-box;'>寿险产品多种多样：有定期的、有长期的、有储蓄保障的、也有理财投资的、有现金价值的、有无现金价值的、有便宜的、有贵的、有简单的、也有复杂的。在众多的寿险产品中，一款产品一支独秀，它就是终身寿险。它不仅具有现金价值和保障功能，享受分红，其保单贷款功能是特有的。</p></section></section><section style='font-size: 0px;margin-right: 0%;margin-bottom: -10px;margin-left: 0%;text-align: right;justify-content: flex-end;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 66px;vertical-align: top;height: auto;box-sizing: border-box;'><section style='margin-right: 0%;margin-left: 0%;justify-content: flex-end;box-sizing: border-box;' powered-by="xiumi.us"><section style='max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;width: 56%;height: auto;box-sizing: border-box;'><span class="wxart_image" wx-style='display:inline-block;vertical-align: middle;width: 100%;box-sizing: border-box;'></span></section></section></section></section></section></section></section></section><section style='box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section><section style='box-sizing: border-box;' powered-by="xiumi.us"><section style='margin: 10px 0%;display: flex;flex-flow: row nowrap;box-sizing: border-box;'><section style='display: inline-block;width: auto;vertical-align: top;padding-right: 10px;padding-bottom: 10px;padding-left: 10px;flex: 150 150 0%;height: auto;align-self: stretch;background-color: rgb(236, 251, 255);box-sizing: border-box;'><section style='text-align: center;justify-content: center;margin: 20px 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: auto;vertical-align: top;min-width: 10%;max-width: 100%;height: auto;box-sizing: border-box;'><section style='margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='text-align: justify;letter-spacing: 1px;line-height: 1.6;box-sizing: border-box;'><p style='box-sizing: border-box;'>终身寿与美国五大名企的因缘<br style='box-sizing: border-box;'></p></section></section><section style='font-size: 0px;margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 100%;vertical-align: top;box-sizing: border-box;'><section style='margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='border-top: 3px dashed rgb(250, 254, 255);box-sizing: border-box;line-height: 0;'><section style='line-height: 0;width: 0px;'><svg viewBox="0 0 1 1" style='vertical-align:top;'></svg></section></section></section></section></section></section></section><section style='display: inline-block;width: 100%;vertical-align: top;background-color: rgb(250, 254, 255);border-width: 1px;border-radius: 0px;border-style: solid;border-color: rgb(128, 205, 255);padding: 10px;box-sizing: border-box;' powered-by="xiumi.us"><section style='margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='font-size: 14px;color: rgb(80, 84, 86);letter-spacing: 1.5px;line-height: 1.8;box-sizing: border-box;'><ol class="list-paddingleft-2"><li style='box-sizing: border-box;'><p style='box-sizing: border-box;'>JC Penney - 美国一家大型连锁百货公司。1929年大萧条期间，许多银行都破产了，无法贷款。JC Penney先生凭其寿险保单贷款给员工发放工资并支付公司日常经营费用，后来JC Penney百货店遍布美国。</p></li><li style='box-sizing: border-box;'><p style='box-sizing: border-box;'>Foster Farms - 美国一家家族禽肉产品公司。1939年，Foster夫妇从其寿险保单贷款1000美元投资一个80公顷的养鸡场，时至今日其产品销往世界各地。</p></li><li style='box-sizing: border-box;'><p style='box-sizing: border-box;'>Disneyland - 迪士尼主题公园。1955年, Walt Disney先生试图从多家银行贷款开发主题公园被拒。银行认为该想法风险太大。Disney先生最后决定从其寿险保单贷款，创办了今日闻名遐迩的世界级主题公园。</p></li><li style='box-sizing: border-box;'><p style='box-sizing: border-box;'>McDonalds - 麦当劳快餐店。1961年, Ray Kroc先生用其两张寿险保单贷款买断麦当劳经营权，支付主要员工工资和市场宣传费。麦当劳在其手中迅速扩张，一跃成为今天全球最大的快餐连锁店。</p></li><li style='box-sizing: border-box;'><p style='box-sizing: border-box;'>Pampered Chef - 美国一家厨房用品公司。1980年，Doris Christopher先生从其寿险保单贷款3000美元创办了这家厨房用品公司，该公司后来被股神巴菲特的Berkshire Hathaway公司买下，收购金额为15亿美元。</p></li></ol></section></section></section></section></section></section><section style='box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section><section style='text-align: center;justify-content: center;margin: 10px 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: auto;vertical-align: top;min-width: 10%;max-width: 100%;height: auto;box-sizing: border-box;'><section style='font-size: 0px;margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 66px;vertical-align: top;height: auto;box-sizing: border-box;'><section style='margin-right: 0%;margin-left: 0%;justify-content: center;box-sizing: border-box;' powered-by="xiumi.us"><section style='max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;width: 56%;height: auto;box-sizing: border-box;'><span class="wxart_image" wx-style='display:inline-block;vertical-align: middle;width: 100%;box-sizing: border-box;'></span></section></section></section></section><section style='display: inline-block;width: 100%;vertical-align: top;border-top: 0px none rgb(175, 223, 255);border-top-left-radius: 0px;border-bottom: 4px solid rgb(175, 223, 255);border-bottom-right-radius: 0px;padding-top: 4px;padding-bottom: 4px;box-shadow: rgb(241, 252, 255) 0px 0px 0px inset;box-sizing: border-box;' powered-by="xiumi.us"><section style='margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='color: rgb(250, 254, 255);padding-right: 10px;padding-left: 10px;letter-spacing: 1px;line-height: 1.6;box-sizing: border-box;'><p style='box-sizing: border-box;'><strong style='box-sizing: border-box;'>终身寿与企业因缘何故？</strong></p><p style='box-sizing: border-box;'><span style='font-size: 12px;box-sizing: border-box;'>大额终身寿险可以解决高净值客户的三类风险</span></p></section></section></section></section></section><section style='box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section><section style='margin: 26px 0% 10px;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 100%;vertical-align: top;background-color: rgb(236, 251, 255);padding-right: 6px;padding-bottom: 5px;padding-left: 6px;border-width: 0px 0px 1px;border-bottom-style: dashed;border-bottom-right-radius: 0px;border-bottom-color: rgb(128, 205, 255);box-sizing: border-box;'><section style='margin-top: -16px;margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 100%;vertical-align: top;border-width: 1px;border-radius: 0px;border-style: solid;border-color: rgb(128, 205, 255);background-color: rgb(255, 255, 255);padding: 10px 16px;box-sizing: border-box;'><section style='margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='font-size: 14px;color: rgb(80, 84, 86);letter-spacing: 1.5px;line-height: 1.8;box-sizing: border-box;'><p style='box-sizing: border-box;'>由于可以进行保单现金价值贷款或者保险合同抵押等操作，大额终身寿险可以解决高净值客户资产变现中的风险；</p><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p><p style='box-sizing: border-box;'>由于保险金额确定给付，而且还可以进行股东互保的规划，大额终身寿解决封闭式企业所有人的风险；</p><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p><p style='box-sizing: border-box;'>由于受益人、受益份额、受益顺序等都可以在保险合同中设立和修改，大额终身寿险还能解决遗产规划中的风险。</p></section></section><section style='font-size: 0px;margin-right: 0%;margin-bottom: -10px;margin-left: 0%;text-align: right;justify-content: flex-end;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 66px;vertical-align: top;height: auto;box-sizing: border-box;'><section style='margin-right: 0%;margin-left: 0%;justify-content: flex-end;box-sizing: border-box;' powered-by="xiumi.us"><section style='max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;width: 56%;height: auto;box-sizing: border-box;'><span class="wxart_image" wx-style='display:inline-block;vertical-align: middle;width: 100%;box-sizing: border-box;'></span></section></section></section></section></section></section></section></section><section style='box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section><section style='box-sizing: border-box;' powered-by="xiumi.us"><p style='text-align: center; box-sizing: border-box;'>大额终身寿险能够有效规避高净值客户可能发生的引发财富大幅缩水的风险，实乃资产保险的利器法宝。</p><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section><section style='justify-content: flex-start; margin: 10px 0%; box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: auto;vertical-align: top;min-width: 10%;max-width: 100%;height: auto;box-sizing: border-box;'><section style='font-size: 0px;margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 66px;vertical-align: top;height: auto;box-sizing: border-box;'><section style='text-align: center;margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;width: 66%;height: auto;box-sizing: border-box;'><span class="wxart_image" wx-style='display:inline-block;vertical-align: middle;width: 100%;box-sizing: border-box;'></span></section></section></section></section><section style='display: inline-block;width: 100%;vertical-align: top;background-color: rgb(241, 252, 255);border-top: 3px solid rgb(175, 223, 255);border-top-left-radius: 0px;border-bottom: 4px solid rgb(175, 223, 255);border-bottom-right-radius: 0px;padding: 10px 16px;box-sizing: border-box;' powered-by="xiumi.us"><section style='margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='text-align: center;font-size: 14px;color: rgb(80, 84, 86);letter-spacing: 1.5px;line-height: 1.8;box-sizing: border-box;'><p style='box-sizing: border-box;'>终身寿</p><p style='box-sizing: border-box;'>不仅能解决家庭财富传承问题</p><p style='box-sizing: border-box;'>更能化解企业风险，雪中送炭、转危为机在中国、在当下终身寿险你真正了解吗？</p><p style='box-sizing: border-box;'>规划财富这里有道！</p></section></section></section><section style='text-align: justify;box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section><section style='text-align: center;justify-content: center;margin: 10px 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: auto;vertical-align: top;min-width: 10%;max-width: 100%;height: auto;box-sizing: border-box;'><section style='font-size: 0px;margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 66px;vertical-align: top;height: auto;box-sizing: border-box;'><section style='margin-right: 0%;margin-left: 0%;justify-content: center;box-sizing: border-box;' powered-by="xiumi.us"><section style='max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;width: 56%;height: auto;box-sizing: border-box;'><span class="wxart_image" wx-style='display:inline-block;vertical-align: middle;width: 100%;box-sizing: border-box;'></span></section></section></section></section><section style='display: inline-block;width: 100%;vertical-align: top;border-top: 0px none rgb(175, 223, 255);border-top-left-radius: 0px;border-bottom: 4px solid rgb(175, 223, 255);border-bottom-right-radius: 0px;padding-top: 4px;padding-bottom: 4px;box-shadow: rgb(241, 252, 255) 0px 0px 0px inset;box-sizing: border-box;' powered-by="xiumi.us"><section style='margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='text-align: justify;color: rgb(250, 254, 255);padding-right: 10px;padding-left: 10px;letter-spacing: 1px;line-height: 1.6;box-sizing: border-box;'><p style='box-sizing: border-box;'>别催了 <strong style='box-sizing: border-box;'>现在就出摊</strong></p></section></section></section></section></section></section></section><section style='margin-right: 0%; margin-bottom: -20px; margin-left: 0%; justify-content: flex-start; transform: translate3d(8px, 0px, 0px); box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;min-width: 10%;max-width: 100%;vertical-align: top;transform: matrix(1, 0, -0.2, 1, 0, 0);border-style: none;border-width: 0px;border-radius: 0px;border-color: rgb(62, 62, 62);background-color: rgba(255, 255, 255, 0);box-sizing: border-box;'><section style='display: inline-block;width: 100%;vertical-align: top;border-top: 0px none rgb(175, 223, 255);border-top-left-radius: 0px;border-bottom: 4px solid rgb(175, 223, 255);border-bottom-right-radius: 0px;padding-top: 4px;padding-bottom: 4px;box-shadow: rgb(241, 252, 255) 0px 0px 0px inset;box-sizing: border-box;' powered-by="xiumi.us"><section style='margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='text-align: justify;font-size: 14px;color: rgb(250, 254, 255);padding-right: 10px;padding-left: 10px;letter-spacing: 1px;line-height: 1.6;box-sizing: border-box;'><p style='box-sizing: border-box;'><span style='background-color: rgba(254, 255, 255, 0);box-sizing: border-box;'>01、人生那么漫长，万一中途退场怎么办？</span><br style='box-sizing: border-box;'></p><p style='box-sizing: border-box;'>终身寿险代替你来爱你所爱之人</p></section></section></section></section></section><section style='display: inline-block;width: 100%;vertical-align: top;padding-left: 20px;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 100%;vertical-align: top;border-left: 2px solid rgb(175, 223, 255);border-bottom-left-radius: 0px;padding-bottom: 20px;padding-left: 10px;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 100%;vertical-align: top;background-color: rgb(241, 252, 255);padding: 30px 10px 10px;box-sizing: border-box;' powered-by="xiumi.us"><section style='margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='font-size: 14px;color: rgb(80, 84, 86);letter-spacing: 1.5px;line-height: 1.8;box-sizing: border-box;'><p style='box-sizing: border-box;'>举个例子：知名主持人李X先生，不幸中途退场，孩子和妻子或者父母应该是他最放心不下的人。说钱就俗了，但钱却也是最能解决问题的。终身寿的身故理赔金是可以为家人们提供如他生前一致的物质生活。终身寿就是不管我们在与不在，孩子和爱人、父母都能得到照顾。</p></section></section></section></section></section><section style='margin-right: 0%; margin-bottom: -20px; margin-left: 0%; justify-content: flex-start; transform: translate3d(8px, 0px, 0px); box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;min-width: 10%;max-width: 100%;vertical-align: top;transform: matrix(1, 0, -0.2, 1, 0, 0);border-style: none;border-width: 0px;border-radius: 0px;border-color: rgb(62, 62, 62);background-color: rgba(255, 255, 255, 0);box-sizing: border-box;'><section style='display: inline-block;width: 100%;vertical-align: top;border-top: 0px none rgb(175, 223, 255);border-top-left-radius: 0px;border-bottom: 4px solid rgb(175, 223, 255);border-bottom-right-radius: 0px;padding-top: 4px;padding-bottom: 4px;box-shadow: rgb(241, 252, 255) 0px 0px 0px inset;box-sizing: border-box;' powered-by="xiumi.us"><section style='margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='text-align: justify;color: rgb(250, 254, 255);padding-right: 10px;padding-left: 10px;letter-spacing: 1px;line-height: 1.6;box-sizing: border-box;'><p style='box-sizing: border-box;'><span style='background-color: rgba(254, 255, 255, 0);font-size: 14px;box-sizing: border-box;'>02、中国加入了CRS，这意味着什么？</span><br style='box-sizing: border-box;'></p></section></section></section></section></section><section style='display: inline-block;width: 100%;vertical-align: top;padding-left: 20px;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 100%;vertical-align: top;border-left: 2px solid rgb(175, 223, 255);border-bottom-left-radius: 0px;padding-bottom: 20px;padding-left: 10px;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 100%;vertical-align: top;background-color: rgb(241, 252, 255);padding: 30px 10px 10px;box-sizing: border-box;' powered-by="xiumi.us"><section style='margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='font-size: 14px;color: rgb(80, 84, 86);letter-spacing: 1.5px;line-height: 1.8;box-sizing: border-box;'><p style='box-sizing: border-box;'>有这类顾虑的特定人群，CRS会给他们带来些什么些风险呢。税收风险、境外税务风险、税收居民身份问题、法定继承风险、家族企业接班风险、法定继承风险、隔代传承障碍、传承资产监控问题、跨国传承障碍、代持风险等等。保单合理设计，可在一定范围内管控这样的风险。</p></section></section></section></section></section><section style='margin-right: 0%; margin-bottom: -20px; margin-left: 0%; justify-content: flex-start; transform: translate3d(8px, 0px, 0px); box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;min-width: 10%;max-width: 100%;vertical-align: top;transform: matrix(1, 0, -0.2, 1, 0, 0);border-style: none;border-width: 0px;border-radius: 0px;border-color: rgb(62, 62, 62);background-color: rgba(255, 255, 255, 0);box-sizing: border-box;'><section style='display: inline-block;width: 100%;vertical-align: top;border-top: 0px none rgb(175, 223, 255);border-top-left-radius: 0px;border-bottom: 4px solid rgb(175, 223, 255);border-bottom-right-radius: 0px;padding-top: 4px;padding-bottom: 4px;box-shadow: rgb(241, 252, 255) 0px 0px 0px inset;box-sizing: border-box;' powered-by="xiumi.us"><section style='margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='text-align: justify;color: rgb(250, 254, 255);padding-right: 10px;padding-left: 10px;letter-spacing: 1px;line-height: 1.6;box-sizing: border-box;'><p style='box-sizing: border-box;'><span style='background-color: rgba(254, 255, 255, 0);font-size: 14px;box-sizing: border-box;'>03、</span><span style='font-size: 14px;background-color: rgba(254, 255, 255, 0);box-sizing: border-box;'>掌握特别多财富的你们会不会担心孩子败家的问题？</span></p></section></section></section></section></section><section style='display: inline-block;width: 100%;vertical-align: top;padding-left: 20px;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 100%;vertical-align: top;border-left: 2px solid rgb(175, 223, 255);border-bottom-left-radius: 0px;padding-bottom: 20px;padding-left: 10px;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 100%;vertical-align: top;background-color: rgb(241, 252, 255);padding: 30px 10px 10px;box-sizing: border-box;' powered-by="xiumi.us"><section style='margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='font-size: 14px;color: rgb(80, 84, 86);letter-spacing: 1.5px;line-height: 1.8;box-sizing: border-box;'><p style='box-sizing: border-box;'>一次性继承到很多财富时，身边的人和环境都会改变，谁能保证他可以掌控财富呢。花钱是小事，主要怕孩子学坏，如果沾染上一些不良习性，那后果不堪设想。保险+信托的方式，就可以解决这个问题。给孩子钱的发放方式由你来决定，不管你在与不在。</p></section></section></section></section></section><section style='margin-right: 0%; margin-bottom: -20px; margin-left: 0%; justify-content: flex-start; transform: translate3d(8px, 0px, 0px); box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;min-width: 10%;max-width: 100%;vertical-align: top;transform: matrix(1, 0, -0.2, 1, 0, 0);border-style: none;border-width: 0px;border-radius: 0px;border-color: rgb(62, 62, 62);background-color: rgba(255, 255, 255, 0);box-sizing: border-box;'><section style='display: inline-block;width: 100%;vertical-align: top;border-top: 0px none rgb(175, 223, 255);border-top-left-radius: 0px;border-bottom: 4px solid rgb(175, 223, 255);border-bottom-right-radius: 0px;padding-top: 4px;padding-bottom: 4px;box-shadow: rgb(241, 252, 255) 0px 0px 0px inset;box-sizing: border-box;' powered-by="xiumi.us"><section style='margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='text-align: justify;color: rgb(250, 254, 255);padding-right: 10px;padding-left: 10px;letter-spacing: 1px;line-height: 1.6;box-sizing: border-box;'><p style='box-sizing: border-box;'><span style='background-color: rgba(254, 255, 255, 0);font-size: 14px;box-sizing: border-box;'>04、遗产税的应税现金准备了吗？理赔金可合理合法规划</span><br style='box-sizing: border-box;'></p></section></section></section></section></section><section style='display: inline-block;width: 100%;vertical-align: top;padding-left: 20px;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 100%;vertical-align: top;border-left: 2px solid rgb(175, 223, 255);border-bottom-left-radius: 0px;padding-bottom: 20px;padding-left: 10px;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 100%;vertical-align: top;background-color: rgb(241, 252, 255);padding: 30px 10px 10px;box-sizing: border-box;' powered-by="xiumi.us"><section style='margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='font-size: 14px;color: rgb(80, 84, 86);letter-spacing: 1.5px;line-height: 1.8;box-sizing: border-box;'><p style='box-sizing: border-box;'>来几十年，勤奋的我们会积累很多财富吧。而这些财富作为遗产被家人继承，有可能会被征收遗产税（当然现在还没有，但未来几十年的发展，中国应该是向发达国家靠拢的）。继承遗产首先要缴纳应税金，而且是以现金形式缴纳的。而这笔费用在遗产总额中的占比在美国是不低的，最高税率达55%，所以也就能理解为什么那么多富人做慈善了。但不能不承认，直接税确实有利于减少贫富差距。而学会使用保险等工具可合理合法规划遗产税和个人所得税，这对家人们多么大的关爱。</p></section></section></section></section></section><section style='justify-content: flex-start; margin: 10px 0%; box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: auto;vertical-align: top;min-width: 10%;max-width: 100%;height: auto;box-sizing: border-box;'><section style='font-size: 0px;margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 66px;vertical-align: top;height: auto;box-sizing: border-box;'><section style='text-align: center;margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;width: 66%;height: auto;box-sizing: border-box;'><span class="wxart_image" wx-style='display:inline-block;vertical-align: middle;width: 100%;box-sizing: border-box;'></span></section></section></section></section><section style='display: inline-block;width: 100%;vertical-align: top;background-color: rgb(241, 252, 255);border-top: 3px solid rgb(175, 223, 255);border-top-left-radius: 0px;border-bottom: 4px solid rgb(175, 223, 255);border-bottom-right-radius: 0px;padding: 10px 16px;box-sizing: border-box;' powered-by="xiumi.us"><section style='margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='text-align: justify;font-size: 14px;color: rgb(80, 84, 86);padding-right: 15px;padding-left: 15px;letter-spacing: 1.5px;line-height: 1.8;box-sizing: border-box;'><p style='box-sizing: border-box;'>终身寿的杠杆率非常高，杠杆率是什么呢？用很小的保费就可以撬动巨大的保额，用某款产品计算，比如一个35岁的男性，每年21万可以撬动1000万。</p><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p><p style='text-align: center; box-sizing: border-box;'><strong style='box-sizing: border-box;'>终身寿-高净值家庭必备之选</strong></p><p style='text-align: center; box-sizing: border-box;'><strong style='box-sizing: border-box;'>一份终身寿</strong></p><p style='text-align: center; box-sizing: border-box;'><strong style='box-sizing: border-box;'>家庭&企业-双保障</strong></p><p style='text-align: center; box-sizing: border-box;'><strong style='box-sizing: border-box;'>幸福2.0</strong></p></section></section></section></section></section><section style='margin: 26px 0% 10px;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 100%;vertical-align: top;background-color: rgb(236, 251, 255);padding-right: 6px;padding-bottom: 5px;padding-left: 6px;border-width: 0px 0px 1px;border-bottom-style: dashed;border-bottom-right-radius: 0px;border-bottom-color: rgb(128, 205, 255);box-sizing: border-box;'><section style='margin-top: -16px;margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 100%;vertical-align: top;border-width: 1px;border-radius: 0px;border-style: solid;border-color: rgb(128, 205, 255);background-color: rgb(255, 255, 255);padding: 10px 16px;box-sizing: border-box;'><section style='margin-right: 0%;margin-left: 0%;box-sizing: border-box;' powered-by="xiumi.us"><section style='font-size: 14px;color: rgb(80, 84, 86);letter-spacing: 1.5px;line-height: 2;box-sizing: border-box;'><p style='text-align: center; box-sizing: border-box;'>终身寿的独特功能</p><p style='text-align: center; box-sizing: border-box;'>对许多中国家庭和企业也是适用</p><p style='text-align: center; box-sizing: border-box;'>有规划、有保障、才能有幸福</p><p style='text-align: center; box-sizing: border-box;'><strong style='box-sizing: border-box;'>一份终身寿</strong></p><p style='text-align: center; box-sizing: border-box;'><strong style='box-sizing: border-box;'>守住成功人生</strong></p></section></section><section style='font-size: 0px;margin-right: 0%;margin-bottom: -10px;margin-left: 0%;text-align: right;justify-content: flex-end;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 66px;vertical-align: top;height: auto;box-sizing: border-box;'><section style='margin-right: 0%;margin-left: 0%;justify-content: flex-end;box-sizing: border-box;' powered-by="xiumi.us"><section style='max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;width: 56%;height: auto;box-sizing: border-box;'><span class="wxart_image" wx-style='display:inline-block;vertical-align: middle;width: 100%;box-sizing: border-box;'></span></section></section></section></section></section></section></section></section><section style='box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section><section style='line-height: 1;box-sizing: border-box;' powered-by="xiumi.us"><p style='text-align: right; box-sizing: border-box;'><span style='font-size: 10px;box-sizing: border-box;'>资料来源：美中交流促进会搜狐网</span></p><p style='text-align: right; box-sizing: border-box;'><span style='font-size: 10px;box-sizing: border-box;'><span data-raw-text="著" data-textnode-index="26" data-index="1130" style='color: rgb(53, 53, 53); font-family: "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei", 黑体, Arial, sans-serif; max-width: 100%; letter-spacing: 0.544px; box-sizing: border-box !important;'><span data-raw-text="著" data-textnode-index="57" data-index="2250" style='max-width: 100%; box-sizing: border-box !important;'><span data-raw-text="著" data-textnode-index="34" data-index="1432" style='max-width: 100%; box-sizing: border-box !important;'><span data-raw-text="著" data-textnode-index="72" data-index="2038" style='max-width: 100%; box-sizing: border-box !important;'><span data-raw-text="著" data-textnode-index="26" data-index="1323" class="character"><span data-raw-text="著" data-textnode-index="48" data-index="1665" class="character"><span data-raw-text="著" 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!important;'><span data-raw-text="除" data-textnode-index="84" data-index="2277" style='max-width: 100%; box-sizing: border-box !important;'><span data-raw-text="除" data-textnode-index="61" data-index="1459" style='max-width: 100%; box-sizing: border-box !important;'><span data-raw-text="除" data-textnode-index="99" data-index="2065" style='max-width: 100%; box-sizing: border-box !important;'><span data-raw-text="除" data-textnode-index="53" data-index="1350" class="character"><span data-raw-text="除" data-textnode-index="75" data-index="1692" class="character"><span data-raw-text="除" data-textnode-index="70" data-index="1220" class="character"><span data-raw-text="除" data-textnode-index="68" data-index="1292" class="character"><span data-raw-text="除" data-textnode-index="68" data-index="2223" class="character"><span data-raw-text="除" data-textnode-index="68" data-index="1326" class="character"><span data-raw-text="除" data-textnode-index="79" data-index="1962" class="character"><span data-raw-text="除" data-textnode-index="86" data-index="1541" class="character"><span data-raw-text="除" data-textnode-index="79" data-index="2507" class="character"><span data-raw-text="除" data-textnode-index="86" data-index="2160" class="character"><span data-raw-text="除" data-textnode-index="58" data-index="1209" class="character">除</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></p><p style='text-align: right; box-sizing: border-box;'><span style='font-size: 10px;box-sizing: border-box;'>《个险晨讯》2020年特约撰稿人：大连分公司 王健蓉</span></p><p style='box-sizing: border-box;'><br style='box-sizing: border-box;'></p></section></section><p><br></p><br>转载声明：本文转载自「太平个险晨讯」，搜索「gh_29ec63c75034」即可关注，[<a target="_blank" href="https://mp.weixin.qq.com/s/a7rKyWeFFBAu0JZjGHq3aw">阅读原文</a>]。</div><p></p>
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