我们不卖焦虑，也不讲玄学。我们做的是一件很朴素的事：把保障与理财的原理讲清楚， 把一套能被复制的成长系统，交到每一位愿意认真做事的伙伴手里。
No fear-selling, no jargon for its own sake. We do something simple: explain how protection and long-term money actually work, and hand every partner a growth system that can be repeated.
从看懂自己的财务结构开始，到为家庭建立保障，再到把这份能力变成一份事业—— 它们不是三个业务，而是同一条路上的三段。
Understand your own financial structure, build protection for your family, then turn that capability into a career. Not three businesses — three stages of the same road.
医疗、意外、重疾、伤残、护理、教育、养老、传承——家庭理财金字塔的 8 层， 缺哪一层，风险就从哪一层进来。
Medical, accident, critical illness, disability, long-term care, education, retirement, legacy. Eight layers — risk enters through whichever one is missing.
以国家人寿与 Corebridge 的指数型万能寿险和年金为核心， 做既能抗风险、又能长期积累的账户结构。
Indexed universal life and annuities from National Life Group and Corebridge — structures that absorb risk and accumulate over decades.
兼职起步、全职可期。一套写得明明白白的佣金与晋升制度， 加上从第一天就配到位的培训与带教。
Start part-time, go full-time when you're ready. A commission and promotion system written out in the open, with training and mentorship from day one.
团队的名字不只是一个 slogan。它是我们在每一次沟通、每一张保单、每一场培训里都要守住的东西。
The team's name isn't just a slogan. It's what we hold to in every conversation, every policy, every training session.
先把人的处境搞清楚，再谈方案。没有需求就不推产品，这条不商量。
Understand the person's situation first, then talk solutions. No need, no product — that one isn't negotiable.
保底是什么、封顶是什么、成本怎么算、钱怎么拿出来——每个数字都讲到你能复述。
What the floor is, what the cap is, how costs work, how you get money out — explained until you can repeat it back.
不靠个人天赋，靠流程。新人第一周做什么、第一个月做什么，都有标准动作。
Not built on individual talent — built on process. What to do in week one and month one is written down.
一个人只会卖他真正理解的东西。所以我们把培训放在销售前面，永远。
You can only sell what you genuinely understand. So training comes before selling, always.
一家是 1848 年成立的互惠公司，一家是从 AIG 独立出来的上市公司。 它们的股权结构不同、强项不同，放在一起才构成完整的选择。
One is a mutual company founded in 1848. One is a public company spun out of AIG. Different ownership structures, different strengths — together they make a real choice.
互惠公司（mutual company）的结构意味着公司的目标是保障保单持有人的利益， 而不是为股东盈利。截至 2025 年 3 月 31 日，它已连续 16 个季度保持全美 IUL 销量第一， 市场占比 13.1%；四家华尔街评级机构均给出 A+ 级别的财务实力评价。
A mutual structure means the company answers to policyholders, not shareholders. As of March 31, 2025 it had been the #1 IUL carrier in the U.S. for 16 consecutive quarters, with a 13.1% market share, and carries A+ financial-strength ratings from the major agencies.
2022 年 9 月从 AIG 分拆独立上市，是当年美国规模最大的 IPO 之一， 管理资产规模超过 4,000 亿美元。作为股份上市公司，它在退休金、团体年金与 指数年金领域有长期积累，产品线与互惠公司形成互补。
Spun out of AIG and listed in September 2022 in one of the largest U.S. IPOs of that year, with more than $400 billion in assets. As a public company it brings deep experience in retirement plans, group annuities, and indexed annuities — a complement to what a mutual carrier offers.
不管你是来了解产品的客户，还是来看机会的伙伴，这四篇是共同的地基。
Whether you're here as a client or as a prospective partner, these four are the shared foundation.
保险账户负责赔，理财账户负责长。挂钩标普 500，涨有上限、跌有保底—— "零就是英雄" 到底是什么意思。
The insurance side pays out; the accumulation side grows. Linked to the S&P 500, capped on the upside, floored on the downside — what "zero is the hero" actually means.
02末期疾病、慢性疾病、重大疾病、重大伤害、阿兹海默——五类条款， 在活着的时候把保额提前拿出来。
Terminal, chronic, critical illness, critical injury, Alzheimer's — five riders that let you access the death benefit while you're still living.
03每一代产品都在解决上一代的缺点。看懂这条线，就知道自己手上那张保单 处在什么位置。
Each generation solved the previous one's weakness. Follow the line and you'll know where your own policy sits.
04先买什么、后买什么，是有顺序的。顺序错了，钱花了，洞还在。
There's an order to what you buy first. Get the order wrong and you spend the money with the hole still open.
四种收入怎么算、佣金比例从 45% 怎么走到 83%、快速晋升通道为什么值得做、 新人七步走到 CFT——全部写清楚，团队内部公开可查。
How the four income streams are calculated, how commission moves from 45% to 83%, why the fast track is worth doing, and the seven steps from new agent to CFT — all documented and open to the team.
这部分内容仅供签约伙伴查阅，需要团队口令进入。
This section is for contracted partners and requires the team passphrase.
佣金、级差与代差提成、月奖金池、利润分红
Commission, spread & generation override, bonus pool, profit sharing
CA 45% → SA 60% → QFD 70% → SFD 75% → EFD 83%
CA 45% → SA 60% → QFD 70% → SFD 75% → EFD 83%
两条路径，同样 5 万点，差额一目了然
Two paths, the same 50,000 points, with the gap laid bare
新人 → LFTR 独立经纪人 → CFT 认证培训师
New agent → LFTR → Certified Field Trainer
每周的线上线下培训、每月的团队复盘、每年的公司大会与奖励旅游。 这份工作的乐趣，一半在成交，一半在这里。
Weekly training online and in person, monthly team reviews, the annual convention and incentive trips. Half the joy of this work is closing; the other half is here.
不论你是想为家庭做一份规划，还是想给自己再开一条路， 先聊一次，不收费，也不推销。
Whether you want a plan for your family or another path for yourself — let's talk first. No fee, no pitch.
* 数据来源：国家人寿（National Life Group）公布的 IUL 销量排名，截至 2025 年 3 月 31 日；平台销售额为 2024 年度数据。所有数字仅供说明，不代表任何个人收入或未来业绩。 * Source: National Life Group published IUL ranking as of March 31, 2025; platform production figure is full-year 2024. All figures are illustrative and do not represent any individual's income or future results.