2 lines
13 KiB
JSON
2 lines
13 KiB
JSON
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"current_rate": "6.50%", "guaranteed_floor": "0.00%"}, {"name": "固定收益账户 (Fixed Account)", "allocation": 0.2, "current_rate": "4.25%", "guaranteed_floor": "2.00%"}], "benefit_illustration": [{"policy_year": 1, "total_premium_paid": 25000, "guaranteed_account_value": 18500, "guaranteed_cash_value": 0, "non_guaranteed_account_value": 20100, "non_guaranteed_cash_value": 8500, "non_guaranteed_death_benefit": 1000000, "cost_of_insurance": 2150}, {"policy_year": 2, "total_premium_paid": 50000, "guaranteed_account_value": 38000, "guaranteed_cash_value": 15000, "non_guaranteed_account_value": 42500, "non_guaranteed_cash_value": 28000, "non_guaranteed_death_benefit": 1000000, "cost_of_insurance": 2200}, {"policy_year": 3, "total_premium_paid": 75000, "guaranteed_account_value": 58000, "guaranteed_cash_value": 35000, "non_guaranteed_account_value": 67000, "non_guaranteed_cash_value": 52000, "non_guaranteed_death_benefit": 1000000, "cost_of_insurance": 2280}, {"policy_year": 5, "total_premium_paid": 125000, "guaranteed_account_value": 102000, "guaranteed_cash_value": 88000, "non_guaranteed_account_value": 124000, "non_guaranteed_cash_value": 115000, "non_guaranteed_death_benefit": 1000000, "cost_of_insurance": 2450}, {"policy_year": 10, "total_premium_paid": 125000, "guaranteed_account_value": 115000, "guaranteed_cash_value": 115000, "non_guaranteed_account_value": 178000, "non_guaranteed_cash_value": 178000, "non_guaranteed_death_benefit": 1000000, "cost_of_insurance": 3100}, {"policy_year": 20, "total_premium_paid": 125000, "guaranteed_account_value": 130000, "guaranteed_cash_value": 130000, "non_guaranteed_account_value": 345000, "non_guaranteed_cash_value": 345000, "non_guaranteed_death_benefit": 1000000, "cost_of_insurance": 5800}, {"policy_year": 30, "total_premium_paid": 125000, "guaranteed_account_value": 110000, "guaranteed_cash_value": 110000, "non_guaranteed_account_value": 680000, "non_guaranteed_cash_value": 680000, "non_guaranteed_death_benefit": 1000000, "cost_of_insurance": 12500}], "sales_insights": {"target_customer": "寻求高身故杠杆、财富传承、资产隔离以及希望参与环球股市增长但又担心市场见顶回撤的高净值客户（HNWI）。", "key_selling_points": ["高杠杆寿险：首年即可用极低保费撬动高额身故赔偿，实现财富倍增与传承。", "指数增长潜力与保本下限：挂钩标普500等主流指数，享受市场上涨红利，同时享有0%的保证利率下限（Floor），市场大跌亦不损及本金。", "灵活的流动性与税务优惠：保单价值可在中后期通过保单贷款或部分提款免税提出，用作补充退休金或子女教育金。"], "unique_advantages": "结合了传统终身寿险的保障性与投资型产品的增长潜力，克服了传统分红险回报透明度低的问题，同时避免了投连险（VUL）直接承担市场亏损的风险。", "suggested_narrative": "从‘家庭责任与企业资产隔离’切入。告诉客户：这不仅是一份保险，而是一个‘下有保底、上不封顶’的美元离岸家庭信托替代工具。在低利率和高通胀时代，用确定性的高杠杆锁定不确定的未来。", "highlight_numbers": ["首年身故杠杆高达 40倍 (100万保额 / 2.5万首年保费)", "5年缴费期满后，累计保费杠杆仍高达 8倍 (100万保额 / 12.5万总保费)", "0% 市场下跌保证下限 (Zero Floor Protection)", "第20年非保证现金价值预计达到总保费的 2.76倍"], "scenario": {"type": "legacy_protection", "narrative_title": "用有限的现金流，锁定无限的家族传承与市场红利", "narrative_intro": "尊敬的客户，财富的积累需要智慧，而财富的守护与传承则需要远见。通过这份IUL计划，您不仅能在首年即为家人建立起100万美元的坚实防火墙，更能让您的资产在零亏损风险的前提下，持续分享全球顶尖企业的增长红利。", "image_theme": "family", "leverage_description": "本计划最大亮点在于极其优异的保费杠杆。第一年仅需投入2.5万美元，即可立即撬动40倍（100万美元）的身故保障。即使在5年总保费（12.5万美元）全部缴清后，身故杠杆依然高达8倍。这意味着您用一小部分资产就完成了巨额的家庭责任锁定，剩余资金可以自由进行更高风险的商业投资。"}}}, "error": null, "yearCount": 7}]
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