财务教育 · 保障规划 · 事业平台 Education · Protection · Opportunity

Rise and Shine
把光照进每一个
家庭的财务未来 Light on every family's financial future

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。

We do something simple: explain how protection and long-term money actually work, and hand every partner a growth system that can be repeated.

加入我们Join Us 了解产品与方案Explore Products

0 年yrs 主力承保公司国家人寿创立于 1848 年 National Life Group, founded in 1848

0 承保公司全美指数型寿险销量排名^* Carrier's rank in U.S. indexed life sales^*

0 亿 0M 平台 2024 年寿险销售额 Platform life production in 2024

0 承保公司指数型寿险市场占比^* Carrier's share of U.S. indexed life sales^*

我们做什么What We Do

三件事，一条主线

Three things, one thread

从看懂承保公司与产品开始，到用一套系统为家庭建立保障，再到把这份能力做成团队与事业，这是同一条路上的三段。

Start by understanding the carriers and what they build, put a system behind the protection you set up for families, then grow that into a team and a career: three stages of the same road.

Know the Carriers & Products

四家承保公司，四类工具。每家公司是什么结构、每个产品解决什么问题，先讲清楚，再谈买不买。

Four carriers, four categories of tool. How each company is structured and what each product actually solves gets explained first, before anyone talks about buying.

产品中心 →Product Center →

Build the System & the Protection

医疗、意外、重疾、伤残、护理、教育、养老、传承，是家庭理财金字塔的 8 层。缺哪一层，风险就从哪一层进来。按顺序补齐，才叫系统。

Medical, accident, critical illness, disability, long-term care, education, retirement, legacy. Eight layers, and risk enters through whichever one is missing. Filling them in order is what makes it a system.

家庭理财金字塔 →The Family Pyramid →

成就团队与事业

Grow the Team & the Career

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.

加入我们 →Join Us →

团队价值观Our Values

R.I.S.E. — 四个字母，四条底线

R.I.S.E. — four letters, four commitments

Relationships 以人为先

Relationships

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, and that one isn't negotiable.

Integrity 诚信透明

Integrity

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: each one explained until you can repeat it back.

System 有章可循

System

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。

Built on process, not individual talent. What to do in week one and month one is written down.

Education 教育先行

Education

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.

产品中心Product Center

我们主要代理的两家公司

The two carriers we mainly represent

National Life Group

国家人寿：178 年，保单持有人就是公司持有人

National Life Group: 178 years, owned by its policyholders

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。Wink 的季度报告里，它多年排在全美指数型寿险销量第一，最新的 2026 年第二季度市场占比 15.7%； A.M. Best 和标普给出 A+、穆迪给出 A1 的财务实力评级。

A mutual structure means the company answers to policyholders, not shareholders. In Wink's quarterly reports it has ranked #1 in U.S. indexed life sales for years (most recently Q2 2026, at a 15.7% share), and it's rated A+ by A.M. Best and S&P and A1 by Moody's.

为什么选择国家人寿Why Choose National Life Living Life DefenderLiving Life Defender

Corebridge Financial

Corebridge：原 AIG 人寿与退休业务

Corebridge: formerly AIG Life & Retirement

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.

Corebridge 产品线Corebridge Lineup

先读这几篇Start Here

想搞明白，从这四篇开始

Four articles to start with

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.

IUL 如何运作：一份保单，两个账户

How IUL Works: One Policy, Two Accounts

保险账户负责赔，现金账户负责长。挂钩标普 500，涨有上限、跌有保底，以及"零就是英雄" 到底是什么意思。

The insurance account pays out; the cash value account grows. Linked to the S&P 500, capped on the upside, floored on the downside, and what "zero is the hero" actually means.

阅读 · 约 8 分钟Read · 8 min 02

生前福利：不必等到身故才能用

Living Benefits: You Don't Have to Die to Use It

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.

阅读 · 约 9 分钟Read · 9 min 03

寿险的五次进化：从 Term 到 IUL

Five Evolutions: From Term to IUL

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.

阅读 · 约 10 分钟Read · 10 min 04

家庭理财金字塔：买保险的 8 步

The Family Pyramid: 8 Steps of Coverage

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.

阅读 · 约 7 分钟Read · 7 min

团队建设Team Building

制度写在明处，才谈得上公平

A system is only fair if it's written down

四种收入怎么算、佣金比例按什么阶梯往上走、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 the commission ladder moves up, 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.

进入系统专区Enter the System Area

四种收入

Four Income Streams

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

晋升阶梯

The Ladder

CA → SA → QFD → SFD → EFD，比例只升不降

CA → SA → QFD → SFD → EFD, and the rate only goes up

快速晋升通道

Fast Track

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

成长路径

Growth Path

新人 → LFTR 独立经纪人 → CFT 认证培训师

New agent → LFTR → Certified Field Trainer

团队生活Team Life

一年里，我们一起做了这些事

What a year together looks like

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.

周二大课结束后的合影（动漫化处理） / After the Tuesday class (illustrated)

周二产品大课Tuesday product class

周三聚会的一桌家常菜 / A home-cooked spread at the Wednesday meetup

周三聚会培训Wednesday dinner & training

伙伴们在办公室合影（动漫化处理） / Partners at the office (illustrated)

办公室合影At the office

团队火锅派对（动漫化处理） / Team hot pot party (illustrated)

团队火锅派对Team hot pot party

看看团队活动See Team Life

太阳照常升起，问题是你在不在场

The sun rises anyway. The question is whether you're there

不论你是想为家庭做一份规划，还是想给自己再开一条路，先把原理弄明白，再决定要不要开始。

Whether you want a plan for your family or another path for yourself, understand how it works first, then decide whether to start.