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<p>今天，我们用简单易懂的语言和实例，帮助大家了解美国人寿保险和年金的区别，以及如何正确选择适合自己需求的理财工具。</p><p><strong>人寿保险和年金的区别</strong><br>人寿保险（储蓄型）</p><p>人寿保险主要是为了防范因过早离世给家庭带来的经济风险。简单来说，就是担心寿命过短，保险公司就赔偿给你的家人一笔资金，以弥补经济损失。</p><p>年金</p><p>年金恰恰相反，主要解决的是担心寿命太长、资金耗尽的风险。你交一笔钱给保险公司，保险公司承诺为你提供长期稳定增值，甚至终身领取的养老金。</p><p>大白话说：保险是为家人而买的，年金是为自己而买的。</p><p><strong>储蓄险与年金，哪个更适合退休规划</strong>？<br>两者主要区别有两点：</p><p>成本差异：人寿保险有成本，年龄越大成本越高；而年金险没有这样的成本。<br>缴费方式：保险通常无法一次性交纳保费，年金可以一次性投入。<br>从增值角度看，有成本且分期投入的产品，回报往往低于无成本且一次性投入的产品。因此，若需求明确只为退休储备，并能一次性投入本金，年金显然更合适。</p><p><strong>年金适合所有人吗？</strong><br>年金通常只能在59.5岁以后支取，对年轻人来说，一次性资金投入较难且资金流动性较低，因此年金险并非年轻人的首选。</p><p><strong>有了年金还需要人寿保险吗？</strong><br>正如前面所述，人寿保险最重要的是保障家庭经济安全及资产传承。年金本身并不具备身故保障功能，也没有高杠杆赔偿金，只适合用于退休规划。</p><p><strong>案例对比</strong><br>储蓄型人寿保险<br>以一位40岁的男性为例，每年投入2.5万美元，连续投入10年。60岁时，现金价值约49.8万美元；从61岁开始每年支取4万美元，共支取20年，总额80万美元。到94岁时，身故赔偿金高达314.5万美元，体现了保险的高杠杆和保障特性。</p><p>年金<br>同样是40岁的男性，一次性投入25万美元，60岁开始领取养老金。第一年领取56,633美元，此后养老金每年随指数表现增长，绝不减少。70岁时已领取70.4万美元，80岁时116.2万美元，90岁则高达239.1万美元。但其账户资金在65岁时已耗尽，无法进行资产传承。</p><p><strong>如何做选择？</strong><br>若看重退休收入，年金优势明显。<br>若更关注家庭保障与资产传承，人寿保险更适合。<br>若预算充足，最理想的配置是同时拥有：人寿保险提供家庭保障与免税的财富传承，年金则解决自己未来的养老金需求。</p><p>理财没有绝对的好与坏，只有是否适合自己的需求，做好规划才能让财富更好地为人生服务。</p>

美国年金和储蓄型保险有什么不同？

<h2>Understanding the Importance of Financial Planning</h2>

<p>Financial planning is an essential service that provides individuals and businesses with strategies to manage their financial resources effectively. With numerous financial planning services available, choosing the right one can be daunting. Understanding what sets certain services apart can help you make an informed decision.</p>

<p>At our financial planning firm, we believe that a personalized approach is key to achieving financial success. Unlike one-size-fits-all solutions, our tailored strategies ensure that your unique financial goals and circumstances are at the forefront of our planning process.</p>

<figure id="figure-6c8ivonql8m8gwzy65"><img id="6c8ivonql8m8gwzy65" src="https://media.gettyimages.com/id/1541988626/photo/close-up-woman-hands-calculates-on-calculator-for-personal-finance-paysckeck-paper-receipt.jpg?b=1&s=2048x2048&w=0&k=20&c=wM8QPA7euZyeFZvhPE0uJ9bOho5yln5eFGwFcjt0ewY=" alt="financial planning" class="object-cover bg-gray-100" style="aspect-ratio: 16/9"></figure>

<h2>Personalized Financial Strategies</h2>

<p>One of the primary aspects that differentiate our services is our commitment to personalized financial strategies. We take the time to understand your current financial situation, future goals, and potential challenges. This allows us to create a customized plan that aligns with your specific needs and aspirations.</p>

<p>Our team of experienced advisors works closely with you to identify your short-term and long-term objectives. Whether you're planning for retirement, saving for a child's education, or looking to invest wisely, our bespoke solutions are designed to help you achieve these milestones efficiently.</p>

<h3>Comprehensive Approach to Financial Planning</h3>

<p>Our comprehensive approach ensures that all aspects of your financial well-being are considered. From budgeting and saving to investing and estate planning, we cover all bases to secure your financial future. Our holistic view allows us to provide you with a cohesive plan that addresses every facet of your finances.</p>

<figure id="figure-txd0nztnlm8gwzy65"><img id="txd0nztnlm8gwzy65" src="https://media.gettyimages.com/id/2169215456/photo/three-professionals-in-a-discussion-at-an-office-meeting-setting.jpg?b=1&s=2048x2048&w=0&k=20&c=r9I31n3ds7K6sv9UcB1DkSPGP-dv_squ6FsFNs-Tpv8=" alt="financial advisor" class="object-cover bg-gray-100" style="aspect-ratio: 16/9"></figure>

<h2>Expertise and Experience</h2>

<p>Another factor that sets us apart is the expertise and experience of our advisors. Our team comprises certified professionals with years of experience in the financial industry. Their in-depth knowledge and understanding of market trends enable them to provide you with informed advice and guidance.</p>

<p>We prioritize continuous education and training for our advisors to ensure they stay updated with the latest financial developments. This commitment to expertise ensures that you receive the highest quality service and advice tailored to the ever-evolving financial landscape.</p>

<h3>Commitment to Transparency and Communication</h3>

<p>Transparency and communication are at the core of our client relationships. We believe in keeping you informed every step of the way, ensuring that you understand the reasoning behind each recommendation and decision. This open communication helps build trust and empowers you to take control of your financial future.</p>

<figure id="figure-b50lnoxqvjm8gwzy65"><img id="b50lnoxqvjm8gwzy65" src="https://media.gettyimages.com/id/1332389671/photo/business-colleagues-having-a-conversation.jpg?b=1&s=2048x2048&w=0&k=20&c=loZAKgYL_Y0s7hZDCinQpujUOqn-dmeHUMWFyMfe_54=" alt="client meeting" class="object-cover bg-gray-100" style="aspect-ratio: 16/9"></figure>

<h2>Technology-Driven Solutions</h2>

<p>In today's digital age, leveraging technology is crucial for effective financial planning. We integrate cutting-edge technology into our services to provide you with real-time insights and analytics. Our user-friendly platforms allow you to track your progress, access detailed reports, and make informed decisions at your convenience.</p>

<p>This technology-driven approach not only enhances efficiency but also ensures that you have a clear understanding of your financial standing at all times. Our commitment to innovation sets us apart as a forward-thinking financial planning service.</p>

<h3>Client-Centric Philosophy</h3>

<p>Ultimately, what truly distinguishes us is our client-centric philosophy. We prioritize your interests above all else, ensuring that our services are aligned with your goals and values. Our dedication to building long-lasting relationships is reflected in the satisfaction and success of our clients.</p>

<p>Choosing the right financial planning service is a significant decision that can impact your financial future. By opting for a service that prioritizes personalization, expertise, transparency, and technology, you set yourself up for success. We invite you to experience the difference with our distinguished services.</p>

Comparing Financial Planning Services: What Sets Us Apart

<h2>Understanding the Basics of Financial Planning</h2>
<p>Financial planning is more than just budgeting; it’s about strategically managing your finances to achieve your long-term goals. Whether you're saving for retirement, building an emergency fund, or planning a big purchase, a solid financial plan is essential. The first step is understanding your current financial situation, including your income, expenses, assets, and liabilities.</p>

<figure id="figure-ddgqoi9qrm8cmoggv"><img id="ddgqoi9qrm8cmoggv" src="https://media.gettyimages.com/id/1541988626/photo/close-up-woman-hands-calculates-on-calculator-for-personal-finance-paysckeck-paper-receipt.jpg?b=1&s=2048x2048&w=0&k=20&c=wM8QPA7euZyeFZvhPE0uJ9bOho5yln5eFGwFcjt0ewY=" alt="financial planning" class="object-cover bg-gray-100" style="aspect-ratio: 16/9"></figure>

<p>Once you have a clear picture of your finances, you can set realistic and achievable goals. These goals should align with your values and priorities, providing a roadmap for your financial journey. Remember, financial planning is not a one-time activity but a continuous process that evolves with your life changes.</p>

<h2>Setting Clear Financial Goals</h2>
<p>Identifying your financial goals is crucial in creating a successful plan. Start by distinguishing between short-term and long-term goals. Short-term goals might include saving for a vacation or paying off a small debt, while long-term goals could involve retirement planning or buying a home.</p>

<ul>
  <li>Short-term goals: Achievable within one year.</li>
  <li>Medium-term goals: Achievable within one to five years.</li>
  <li>Long-term goals: Achievable in five or more years.</li>
</ul>

<figure id="figure-cto8wkld2m8cmoggv"><img id="cto8wkld2m8cmoggv" src="https://media.gettyimages.com/id/1330234595/photo/closeup-shot-of-an-unrecognisable-businesswoman-calculating-finances-in-an-office.jpg?b=1&s=2048x2048&w=0&k=20&c=Odf58Xx0qw5XzE5bumr21_F7pJb2YAEqN05GitP9fXU=" alt="financial goal setting" class="object-cover bg-gray-100" style="aspect-ratio: 16/9"></figure>

<p>Make sure your goals are SMART: Specific, Measurable, Achievable, Relevant, and Time-bound. This approach will help you stay focused and motivated as you work towards achieving them.</p>

<h2>Creating a Budget That Works</h2>
<p>A budget is the backbone of any financial plan. It helps you track your income and expenses, identify spending patterns, and control unnecessary expenditures. Start by listing all sources of income and then categorize your expenses into necessities and non-essentials.</p>

<p>Use the 50/30/20 rule as a guideline: allocate 50% of your income to needs, 30% to wants, and 20% to savings and debt repayment. Regularly reviewing and adjusting your budget ensures it remains effective as your financial situation changes.</p>

<figure id="figure-pye7y1jv49m8cmoggv"><img id="pye7y1jv49m8cmoggv" src="https://media.gettyimages.com/id/1168618923/photo/japanese-man-calculating-financial-bills-at-home.jpg?b=1&s=2048x2048&w=0&k=20&c=C0gKVZstqh-Gj_O611ytQKOTmRqU7Symac-mlAXzy7Q=" alt="budget planning" class="object-cover bg-gray-100" style="aspect-ratio: 16/9"></figure>

<h2>Building an Emergency Fund</h2>
<p>An emergency fund is a critical component of financial security. It acts as a financial cushion during unexpected events like medical emergencies, job loss, or urgent repairs. Aim to save at least three to six months' worth of living expenses in a separate, easily accessible account.</p>

<p>Start small by setting aside a fixed amount each month until you reach your target. Having an emergency fund gives you peace of mind and prevents you from derailing your financial plans in times of crisis.</p>

<h2>Investing for the Future</h2>
<p>Investing is a vital part of financial planning that allows your money to grow over time. Understanding different investment options—such as stocks, bonds, mutual funds, and real estate—enables you to make informed decisions based on your risk tolerance and financial goals.</p>

<figure id="figure-jmfriv2iabm8cmoggv"><img id="jmfriv2iabm8cmoggv" src="https://media.gettyimages.com/id/1387071403/photo/businessman-use-tablet-and-smart-phone-for-stock-market.jpg?b=1&s=2048x2048&w=0&k=20&c=4R5F0olW9yZ_-Dk9dud34jk9bO5Yj58Dmcx7ZC45epM=" alt="investment options" class="object-cover bg-gray-100" style="aspect-ratio: 16/9"></figure>

<p>Diversification is key in reducing risk in your investment portfolio. Consult with a financial advisor if you're unsure where to start or how to adjust your investments as you approach different life stages.</p>

<h2>Reviewing and Adjusting Your Plan</h2>
<p>Your financial plan should be flexible enough to adapt to life changes such as marriage, starting a family, career shifts, or economic fluctuations. Regularly review your plan at least once a year or after any major life event to ensure it aligns with your current goals and circumstances.</p>

<p>Adjusting your financial plan may involve re-evaluating your budget, updating investment strategies, or redefining goals. Staying proactive and responsive to changes will help you stay on track towards financial success.</p>

The Ultimate Guide to Financial Planning: Setting Yourself Up for Success

<h2>Understanding the Basics of Financial Planning</h2>
<p>Financial planning is an essential aspect of managing your personal and professional finances effectively. By creating a comprehensive plan, you can set yourself up for success in achieving both short-term and long-term financial goals. However, many people make common mistakes that can derail their financial progress. In this blog post, we will explore these pitfalls and offer expert insights on how to avoid them.</p>

<figure id="figure-b98354lll9m88ccs17"><img id="b98354lll9m88ccs17" src="https://media.gettyimages.com/id/1541988626/photo/close-up-woman-hands-calculates-on-calculator-for-personal-finance-paysckeck-paper-receipt.jpg?b=1&s=2048x2048&w=0&k=20&c=wM8QPA7euZyeFZvhPE0uJ9bOho5yln5eFGwFcjt0ewY=" alt="financial planning" class="object-cover bg-gray-100" style="aspect-ratio: 16/9"></figure>

<h3>Setting Unrealistic Goals</h3>
<p>One of the primary mistakes people make in financial planning is setting goals that are not realistic. While it's great to be ambitious, it is crucial to ensure that your financial objectives are achievable and measurable. Setting realistic goals helps you maintain motivation and avoid disappointment. Start by evaluating your current financial situation and estimate what is achievable within your income and resources.</p>

<h3>Neglecting to Create a Budget</h3>
<p>Creating a budget is fundamental to successful financial planning, yet many overlook this step. A detailed budget allows you to track your income, expenses, and savings. It helps you identify areas where you can cut back and allocate funds towards your financial goals. Regularly reviewing and adjusting your budget ensures you stay on track and make informed spending decisions.</p>

<figure id="figure-ew6n4j73zfm88ccs17"><img id="ew6n4j73zfm88ccs17" src="https://media.gettyimages.com/id/1168618923/photo/japanese-man-calculating-financial-bills-at-home.jpg?b=1&s=2048x2048&w=0&k=20&c=C0gKVZstqh-Gj_O611ytQKOTmRqU7Symac-mlAXzy7Q=" alt="budget planning" class="object-cover bg-gray-100" style="aspect-ratio: 16/9"></figure>

<h3>Failing to Plan for Emergencies</h3>
<p>Life is unpredictable, and failing to plan for emergencies can have a significant impact on your finances. Establishing an emergency fund should be a priority in any financial plan. This fund acts as a financial safety net during unforeseen circumstances such as medical emergencies, job loss, or unexpected repairs. Aim to save at least three to six months' worth of living expenses in your emergency fund.</p>

<h2>The Importance of Diversification</h2>
<p>Investing is a critical component of financial planning, but relying heavily on a single type of investment can be risky. Diversification involves spreading your investments across various asset classes to reduce risk. A diversified portfolio balances potential returns with risk exposure, making it a vital strategy for both new and seasoned investors.</p>

<figure id="figure-84grdd2zkm88ccs17"><img id="84grdd2zkm88ccs17" src="https://media.gettyimages.com/id/961308742/photo/securing-finance-for-their-future-dreams.jpg?b=1&s=2048x2048&w=0&k=20&c=fOx3dfhvhYnGxy2z1heTH43EWxOU9HV1HPtKV9PVIPs=" alt="investment portfolio" class="object-cover bg-gray-100" style="aspect-ratio: 16/9"></figure>

<h3>Overlooking Retirement Planning</h3>
<p>Another common mistake is failing to prioritize retirement planning. Many people focus on immediate financial goals and neglect long-term planning for their retirement years. It's important to start saving for retirement as early as possible to take advantage of compound interest. Consider contributing to retirement accounts such as 401(k)s or IRAs and regularly review your retirement strategy.</p>

<h3>Ignoring Professional Advice</h3>
<p>While self-managing your finances can be rewarding, seeking professional advice can provide valuable insights and guidance. Financial advisors bring expertise and an objective perspective to your financial planning process. They can help you develop a personalized strategy, evaluate investment opportunities, and navigate complex financial situations.</p>

<figure id="figure-nvyctbzotcm88ccs17"><img id="nvyctbzotcm88ccs17" src="https://media.gettyimages.com/id/2169215456/photo/three-professionals-in-a-discussion-at-an-office-meeting-setting.jpg?b=1&s=2048x2048&w=0&k=20&c=r9I31n3ds7K6sv9UcB1DkSPGP-dv_squ6FsFNs-Tpv8=" alt="financial advisor" class="object-cover bg-gray-100" style="aspect-ratio: 16/9"></figure>

<h2>Conclusion</h2>
<p>Avoiding common mistakes in financial planning requires a proactive approach and an understanding of basic financial principles. By setting realistic goals, creating a budget, planning for emergencies, diversifying investments, prioritizing retirement savings, and seeking professional advice, you can build a solid financial foundation. Remember, effective financial planning is an ongoing process that adapts to changes in your life and financial circumstances.</p>

Avoiding Common Mistakes in Financial Planning: Expert Insights

<h2>Understand Your Tax Bracket</h2>
<p>Tax season can be daunting, but understanding your tax bracket is a crucial step in maximizing your returns. Your tax bracket determines the rate at which your income is taxed, and knowing where you fall can help you make strategic financial decisions. Review the current tax brackets and assess how your income aligns with them. This knowledge can help you anticipate your tax liability and plan accordingly.</p>

<p>Planning ahead allows you to take advantage of any potential deductions or credits that apply to your situation. It's important to note that tax laws change regularly, so staying updated on current regulations is essential for effective financial planning.</p>

<h2>Organize Your Financial Documents</h2>
<p>Keeping your financial documents organized is key to a smooth tax season. Gather all necessary documents, such as W-2s, 1099s, and receipts for deductible expenses. An organized approach not only makes filing easier but also reduces the risk of missing out on potential deductions.</p>

<figure id="figure-s2gm42vhjum84218d2"><img id="s2gm42vhjum84218d2" src="https://media.gettyimages.com/id/2179430871/photo/finance-and-economy.jpg?b=1&s=2048x2048&w=0&k=20&c=TxDE6FioDvnRFXXrrhQC9zREch-QLQsQgI-XBm9swfQ=" alt="tax documents" class="object-cover bg-gray-100" style="aspect-ratio: 16/9"></figure>

<p>Consider using digital tools or apps to keep track of your financial records throughout the year. This way, when tax season arrives, you already have everything compiled and ready to go. Remember, thorough documentation can also be beneficial if you're ever audited.</p>

<h2>Maximize Deductions and Credits</h2>
<p>Deductions and credits are powerful tools for lowering your taxable income and maximizing your return. Common deductions include mortgage interest, student loan interest, and medical expenses. Additionally, tax credits like the Earned Income Tax Credit (EITC) or Child Tax Credit can significantly impact your final tax bill.</p>

<p>Ensure you are claiming all eligible deductions and credits by consulting with a tax professional or using reliable tax software. These resources can help identify potential savings opportunities based on your specific financial situation.</p>

<figure id="figure-56stj8l35m84218d2"><img id="56stj8l35m84218d2" src="https://media.gettyimages.com/id/1541988626/photo/close-up-woman-hands-calculates-on-calculator-for-personal-finance-paysckeck-paper-receipt.jpg?b=1&s=2048x2048&w=0&k=20&c=wM8QPA7euZyeFZvhPE0uJ9bOho5yln5eFGwFcjt0ewY=" alt="financial planning" class="object-cover bg-gray-100" style="aspect-ratio: 16/9"></figure>

<h3>Contribute to Retirement Accounts</h3>
<p>Contributing to retirement accounts is a strategic way to reduce taxable income while securing your financial future. Contributions to traditional IRAs or 401(k) plans are often tax-deductible, effectively lowering your taxable income for the year. Not only does this help in the short term, but it also boosts your retirement savings in the long run.</p>

<p>If you're self-employed, consider options like a SEP IRA or Solo 401(k), which offer higher contribution limits. These accounts are excellent tools for maximizing savings and minimizing taxes.</p>

<h2>Seek Professional Guidance</h2>
<p>While many people choose to file taxes independently, seeking professional guidance can be invaluable. Tax professionals are equipped with the latest knowledge of tax laws and can provide personalized advice tailored to your situation. They can help uncover deductions and credits you may not be aware of and ensure accurate filing.</p>

<figure id="figure-drf4z8svkom84218d2"><img id="drf4z8svkom84218d2" src="https://media.gettyimages.com/id/1447397756/photo/magnifying-glass-on-financial-chart.jpg?b=1&s=2048x2048&w=0&k=20&c=7ENzhd3Y9Mm1XQ4ul0txiJ50d9Ed5DOxQGpmGLG-OeI=" alt="tax consultant" class="object-cover bg-gray-100" style="aspect-ratio: 16/9"></figure>

<p>Moreover, having a professional review your tax return can provide peace of mind, reducing the chance of errors that could lead to audits or penalties. Consider this investment in professional assistance as a step towards financial security and maximizing your returns.</p>

<h2>Plan for Next Year</h2>
<p>Once you've successfully navigated this year's tax season, it's time to start planning for the next one. Review any lessons learned and adjust your financial strategies accordingly. Setting aside time each month to review finances can prevent last-minute stress and ensure you're on track for the following tax season.</p>

<p>Consider setting up a dedicated savings account for future tax payments if you expect to owe taxes next year. Regularly contributing a portion of your income to this fund can ease the burden when taxes are due.</p>

Tax-Season Survival: Financial Planning Tips to Maximize Your Returns

<h3>哪些类型的人寿保险产品可以取钱？<br></h3><p>具有理财功能的寿险不仅本身有着高杠杆的身故理赔，其保单内部所存在的现金价值也会随时间累积，在未来获得一笔可观的收益。</p><p>1. 终身寿险（Whole Life Insurance）终身寿险是一种永久性人寿保险，它不仅提供身故赔偿，还积累现金价值。</p><p>2. 指数型万能寿险（Indexed Universal Life Insurance, IUL）</p><p>IUL是一种与市场指数挂钩的万能寿险，供灵活的保费支付选项和死亡利益，同时积累现金价值。</p><h3>不能或不推荐进行取钱的人寿保险种类</h3><p><br>在考虑从人寿保险中取钱时，有些类型的保险产品通常不建议用于取钱，因为它们主要设计为提供保障，而不是积累现金价值或用于资金提取。以下是一些不建议取钱的保险类型及原因：</p><p>1. 定期寿险（Term Life Insurance）</p><p>定期寿险主要提供特定期限内的身故赔偿，没有现金价值积累。保费较低，纯粹为保障设计。无法通过保单贷款或现金提取来获得资金。在保单期满后，如果被保险人仍然健在，保单通常会失效，没有任何资金返还。</p><p>2. 保证终身寿险（Guaranteed Universal Life, GUL）</p><p>GUL主要目的是提供终身身故赔偿，通常不积累或积累非常有限的现金价值，不适合通过贷款或提取现金来获得资金。</p><p>3. 保证指数型万能寿险（Guaranteed Indexed Universal Life, GIUL）</p><p>GIUL的设计目的是在提供保障的同时，通过指数增长实现一定的回报，但现金价值积累不多，不适合作为取钱的工具。且保证型产品，包括GUL、GIUL等，一旦进行取钱，保证的死亡赔付年限和金额都会收到影响。</p><h3>常见的从人寿保险中取钱的几种方式</h3><p><br>1. 退保变现（Surrender）</p><p><br>退保变现意味着保单持有人将保单退回给保险公司，放弃身故赔偿，只取走多年来积累的现金价值。在保单的前期，保险公司可能会收取一笔退保费用（Surrender Charge），实际的退保价值需要参考计划书中的现金退保价值（Cash Surrender Value）。</p><p>&nbsp;<br>哪些类型的保单具有现金退保价值？</p><p>人寿保险有两种主要形式：定期人寿保险和永久人寿保险。定期人寿保险通常较便宜，但其有效期有限，即保单期限，比如10 或 20 年等。定期保单不会产生现金价值，因此没有现金退保价值。与定期人寿保险不同，永久人寿保险可以积累现金价值，也有现金退保价值。</p><p>2. 保单贷款（Policy Loan）</p><figure id="figure-22zx84ke22m25pq204"><img id="22zx84ke22m25pq204" src="https://cdn.durable.co/blocks/1cpQSxr5kJzyPz8VHEYU6NqEv5UgPOkZbjVLQca01fh0wBmzEJg91WVl2hKecYPu.png" alt="green plant on brown round coins" title="green plant on brown round coins" class="object-cover bg-gray-100 rounded-lg md:rounded-xl lg:rounded-2xl" style="aspect-ratio: 16/9; object-position: center center;" data-corners="default" data-aspect="16:9" data-caption="" data-positionX="undefined" data-positionY="undefined" data-fullWidth="false"/></figure><p>保单贷款是一种灵活且便利的资金解决方案，具有以下几个特点：</p><p>以保单现金价值为抵押：保单贷款是通过保单的现金价值作为抵押来获得的。这意味着保单的现金价值必须足够高，才能提供贷款。</p><p>无需信用检查：由于贷款是以保单的现金价值作为担保，所以申请人无需进行信用检查，审批过程较为简单。</p><p>灵活的还款方式：保单贷款通常没有固定的还款计划，借款人可以选择何时还款，甚至可以选择不还款，但未偿还的贷款金额及其利息会从最终的身故赔偿或保单的现金价值中扣除。</p><p>贷款金额有限制：借款人不能借到超过保单现金价值的金额，且保险公司可能会设置一个最高借款限额，比如您最多可以用人寿保险的现金价值的 90% 进行借款。</p><p>贷款利息：保单贷款通常会收取一定的利息，这个利率由保险公司确定,通常有Fixed Loan（固定利率贷款）和Variable Loan（浮动利率贷款）两种方式可供选择。</p><p>税务影响：一般来说，保单贷款本身并不被视为应税收入，因此在借款时，你不需要为此支付所得税。然而，如果你未能偿还贷款，并且贷款金额超过了你支付的保费总额，那么未偿还部分可能会被视为应税收入。</p><p>3. 提取现金价值（Withdraw）</p><p><br>提取方式为直接从保单的现金价值中提取一部分资金，提取金额通常不会超过已支付保费的总额。影响是提取会永久减少保单的现金价值和身故赔偿金额，不仅减少了保单的投资收益，还可能导致保单失效。</p><p>在税务方面，提取金额超过已支付的保费部分会被视为应税收入，立即触发所得税。因此，如果提取的金额超出了已支付的保费（即保单的成本基础），超出的部分会被课税。</p><p>总的来说，从人寿保险中取钱的方法有很多种，保单贷款因其灵活性和便捷性成为了最常用的选择。在使用保单贷款时，需充分了解其操作方法、对保单的影响以及相关的税务规定，才能在需要资金时，最大限度地发挥人寿保险的价值，同时保持保单的稳定性和保障功能。在决定取钱方式之前，最好咨询专业的财务顾问或保险代理人，以确保选择最适合您财务目标的方法。</p>

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怎么从人寿保险中取钱？