Knowledge Center
保险知识库Insurance Knowledge
系统梳理美国家庭常见的保险与财务议题，以清晰、准确的语言写成。Core insurance and financial topics for families in the U.S., written in clear and precise language.
生前福利到底是什么？What Are Living Benefits?
加速给付条款怎么用、什么情况能用、用了会少拿多少。How accelerated benefit riders work, when they apply, and what they cost you.
美国人寿保险就四类，一次分清The Four Types of Life Insurance
Term、Whole、UL、IUL各自适合谁——没有最好的，只有匹配的。Term, Whole, UL, IUL — who each fits. No best — only the right match.
401(k)、IRA、Roth：三类账户如何区分401(k) vs IRA vs Roth, in Plain English
税前税后、限额、先存哪个——一篇定顺序。Pre-tax vs after-tax, limits, and what to fund first.
新移民第一年：9 件优先处理的财务事项Your First Year: 9 Financial Priorities
从SSN、信用分到海外资产申报，按顺序做完不踩坑。From SSN and credit to foreign asset reporting — in the right order.
社安金：问得最多的六个问题Social Security: The Six Big Questions
几岁领、领多少、没交满十年怎么办。When to claim, how much, and what if you have under ten years of credits.
子女教育金：529、保险、普通账户College Funding: 529, Insurance, or Brokerage
三条路各有各的账，多数家庭的答案是组合。Three paths, three trade-offs — usually the answer is a mix.
该买多少保额：三种算法How Much Coverage: Three Ways to Size It
收入倍数法、DIME法、缺口法——三种算法怎么用，各自会漏掉什么。Income multiple, DIME, and needs-gap — how each works and what each misses.
受益人怎么填：最容易出错的一页Naming Beneficiaries: The Page People Get Wrong
第一顺位与第二顺位、未成年子女、离婚后忘改——受益人栏最常见的坑。Primary vs contingent, minor children, and post-divorce updates — the common traps.
从递交到出保单：核保到底在查什么From Application to Policy: What Underwriting Actually Checks
体检、病历、财务核保——每一步在做什么，大约要多久，哪些事不能瞒。Exams, records, financial underwriting — what each step does and what must never be concealed.
保单为什么会失效：年报要看的六栏Why Policies Lapse: Six Lines on Your Annual Statement
终身型保单失效的机制、年度报告里最该看的六项，以及发现问题后还有哪些选择。How permanent policies lapse, the six lines that matter on the annual report, and your options.
更多内容持续更新中。More articles are published regularly.
先把数字算清楚，再谈方案Establish the Numbers First
一次免费的家庭需求分析，或一次免费的保单体检。约60分钟，你会拿到一份书面小结——是否需要配置产品，由你判断。A complimentary family needs analysis or policy review. About sixty minutes, and you leave with a written summary. Whether any product is warranted is your decision.
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