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产品中心Product Center产品多了没用，要能解释清楚才行。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。
Having more products doesn't help; they have to be explainable. This page lays out the carriers we work with, the product categories, and what problem each one actually solves.
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， 全美指数型寿险销量第一（Wink，2026 年第二季度，市场占比 15.7%）。 A.M. Best、标普 A+，穆迪 A1。寿险和年金我们都用它。
A mutual company, owned by its policyholders. One of the longest-running IUL carriers, with the most complete living-benefit rider set. #1 in U.S. indexed life sales (Wink, Q2 2026, 15.7% share), rated A+ by A.M. Best and S&P and A1 by Moody's. We use it on both the life and the annuity side.
Public · 2022 · Life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+。 公司在退休金计划与年金领域体量很大，我们主要用它的寿险产品线。
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. The company is large in retirement plans and annuities; we work with it primarily on the life side.
Fraternal · 1874 · Life兄弟会互助组织（fraternal benefit society），1874 年成立，总部在多伦多， 在美、加、英三地经营。没有外部股东，盈余回到会员身上。 会员除保单本身之外还有孤儿福利、家庭健康补助、奖学金一类的会员福利，不另外收费。 在美国市场以简易核保的寿险见长，不少情况下不需要体检。 A.M. Best 给予 A（优秀）评级，截至 2025 年 12 月已连续 27 年维持该评级。
A fraternal benefit society founded in 1874, headquartered in Toronto and operating in the U.S., Canada, and the U.K. No outside shareholders, so surplus goes back to members, who get benefits beyond the policy itself at no extra premium: orphan benefits, family health reimbursements, scholarships. In the U.S. it is known for simplified-issue life insurance, often with no medical exam. Rated A (Excellent) by A.M. Best, held for 27 consecutive years as of December 2025.
Public · 1959 · Annuity原 Fidelity & Guaranty Life，1959 年成立，总部在爱荷华州得梅因， 由 Fidelity National Financial 控股，2022 年 12 月在纽约证券交易所挂牌，代码 FG。 主业是固定指数年金，管理资产超 500 亿美元，A.M. Best 给予 A（优秀）评级。 产品结构在年金这一类里做得比较细，适合拿来和国家人寿的年金做横向比较。
Formerly Fidelity & Guaranty Life, founded in 1959 and headquartered in Des Moines, Iowa. Majority-owned by Fidelity National Financial and listed on the NYSE under the ticker FG since December 2022. Its core business is fixed indexed annuities, with over $50 billion in assets and an A (Excellent) rating from A.M. Best. It makes a useful side-by-side comparison against National Life's annuity lineup.
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），取钱还可以按 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. That turns 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，F&G 的年金线可以拿来做对照。
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, with F&G's annuity lineup as the comparison.
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, in 10/15/20/30 year terms. Most 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 内部 · 需口令Internal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Compare 内部 · 需口令InternalTerm / 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 内部 · 需口令Internal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.
公司Carrier兄弟会互助组织是什么，会员福利的代价，以及免体检核保。
What a fraternal society is, the catch in its member benefits, and no-exam underwriting.
公司Carrier换过多少次主人，评级差的那一档，以及 MYGA 为什么值得单独比。
How often it changed hands, the one-notch rating gap, and why its MYGA is worth quoting.
产品Product 内部 · 需口令Internal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.
产品Product 内部 · 需口令Internal产品线、终身收入附约、IRA 与税务、适当性审核。
The lineup, income riders, IRAs and tax, and the suitability review.
流程Process 内部 · 需口令InternaleApp、扣款日期、替换信息、送单、in-force 演示与理赔。
eApp, draft dates, replacement info, delivery, in-force illustrations and claims.
查表Reference 内部 · 需口令Internal产品规格、费用、奖金保证值、CMC 与全部附约。
Specs, charges, guaranteed bonuses, CMC and every rider.
高端市场Advanced 内部 · 需口令Internal信托、企业传承、关键人、高管福利与寿险税法。
Trusts, succession, key person, executive benefits and the tax code.
规则Rules 内部 · 需口令Internal谁算外籍、美国关联、额度、国家分类与遗产税。
Who counts, US nexus, limits, country classes and estate tax.
参考Reference 内部 · 需口令Internal各家生前福利上限、IUL 规格、收入型年金、外籍人士门槛，只列事实。
Living-benefit limits, IUL specs, income annuities and foreign-national rules by carrier. Facts only.
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。先用家庭理财金字塔把现状、缺口和预算理清楚，再谈用什么工具。
The product is the last step. Use the family pyramid to map your situation, your gaps and your budget first, then talk about tools.