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产品中心Product Center产品不是越多越好，而是要能解释得清楚。这一页把我们主要使用的公司、产品类别， 以及它们各自解决什么问题，一次讲明白。
More products isn't better — explainable products are. This page lays out the carriers we work with, the product categories, and what problem each one actually solves.
美国有 737 家保险公司，其中 542 家是股份上市公司，195 家是非上市公司， 真正的互惠公司有 114 家。两种结构的根本差别在于：公司为谁赚钱。
There are 737 life insurers in the U.S. — 542 are publicly traded, 195 are not, and 114 are true mutuals. The structural difference comes down to one question: who does the company earn for?
互惠公司，保单持有人即公司持有人。IUL 历史最悠久的公司之一，生前福利条款最齐全， 截至 2025 年 3 月 31 日连续 16 个季度 IUL 销量全美第一，市场占比 13.1%。 四大评级机构均给予 A+ 财务实力评级。
A mutual company — policyholders are the owners. One of the longest-running IUL carriers, with the most complete living-benefit rider set. #1 in U.S. IUL sales for 16 consecutive quarters as of March 31, 2025, at 13.1% market share, with A+ financial-strength ratings.
Public Company · 2022原 AIG 人寿与退休业务，2022 年 9 月分拆独立上市，管理资产超 4,000 亿美元。 A.M. Best 给予 A（优秀）评级，S&P 与 Fitch 给予 A+。 在退休金计划、固定与指数年金领域体量很大。
Formerly AIG Life & Retirement, spun off and listed in September 2022, with over $400 billion in assets. Rated A (Excellent) by A.M. Best and A+ by S&P and Fitch. Particularly strong in retirement plans and fixed/indexed annuities.
永久型寿险中杠杆最高的一类。保额提供身故与生病的理赔，现金价值跟随标普 500 指数增长——上涨有封顶、下跌有 0% 保底，且取钱可按 7702 条款免税处理。 适合既要保障、又要长期积累和退休现金流的家庭。
The highest-leverage form of permanent life insurance. The face amount covers death and illness; cash value tracks the S&P 500 with a cap on the upside and a 0% floor on the downside, and distributions can be structured tax-free under IRC §7702. For families who need both protection and long-term accumulation.
附加在寿险保单上的条款，让被保险人在末期疾病、慢性疾病、重大疾病、重大伤害、 阿兹海默等情况下，提前支取部分保额。它把一张"死了才赔"的保单，变成一张 "活着就能用"的保单。
Riders attached to a life policy that let the insured accelerate part of the death benefit for terminal illness, chronic illness, critical illness, critical injury, or Alzheimer's — turning a policy that only pays at death into one you can use while living.
一笔资金转入，延税增长，到点开始领取，可以保证领到终身。 适合已经有一笔退休资金、更在意"活多久领多久"而不是"赚多少"的人群。 国家人寿的 Income Driver 7 / 10 是其中代表。
A lump sum goes in, grows tax-deferred, and later converts into income that can be guaranteed for life. For people who already have retirement savings and care more about outliving the money than maximizing return. National Life's Income Driver 7 / 10 is a typical example.
最便宜的纯保障工具，10 / 15 / 20 / 30 年期。 在保额缺口大、预算有限的阶段非常好用——比如刚背上房贷、孩子还小的时候， 用它先把缺口补满，之后再逐步转换成永久型保障。
The cheapest pure-protection tool — 10/15/20/30 year terms. Genuinely useful when the coverage gap is large and the budget is tight: a new mortgage, young kids. Cover the gap now, and convert to permanent coverage as your capacity grows.
一份保单，两个账户。保底、封顶、年度重置与免税取钱。
One policy, two accounts. Floors, caps, annual reset, and tax-free access.
核心概念Core五类条款、理赔金额，以及背后的健康数据。
Five riders, benefit amounts, and the health data behind them.
对比CompareTerm / WL / UL / VUL / IUL，逐代优缺点与真实保费对比。
Term / WL / UL / VUL / IUL, generation by generation, with real premium comparisons.
公司Carrier互惠结构、评级、市场地位与 30 年条款演进史。
Mutual structure, ratings, market position, and 30 years of rider development.
产品Product七项独家条款、Enhancer 系列与四种贷款方式。
Seven exclusive riders, the Enhancer series, and four loan options.
公司Carrier从 AIG 独立出来之后，它在哪些地方仍然是强项。
After the AIG spin-off, where its strengths still are.
产品Product现金账户与退休福利账户，25% 开户奖金与终身收入。
Accumulation vs. benefit base, the 25% bonus, and lifetime income.
规划Planning买保险的 8 步，以及先后顺序为什么重要。
Eight steps of coverage, and why the order matters.
产品是最后一步。我们会先花时间把你的现状、缺口和预算搞清楚，再谈用什么工具。
The product is the last step. We start by understanding your situation, your gaps, and your budget — then we talk about tools.