- 产品线一览The lineup at a glance
- LLD 核心规格LLD core specs
- 费用都在哪里Where the charges are
- 奖金：当前值和保证值Bonuses: current vs guaranteed
- CMC 多人定期附约CMC multi-life term rider
- 保证不失效与自动加保No-lapse guarantees and automatic increases
- 其他附约一览Other riders
- 身故给付选项与加减保额Death-benefit options and face changes
- TotalSecure 终身寿TotalSecure whole life
- 怎么读年度对账单Reading the annual statement
- 红线清单Red lines
本页数字为 2023–2026 年的版本，旧版本已剔除。附约在各州的供应也不同，纽约州最少。 出演示、填申请前，一律以 Agent Portal 当期产品指南为准，不要把本页当成合同。
Figures reflect 2023–2026 versions, with older versions dropped. Rider availability varies by state, and New York has the fewest. Before illustrating or applying, use the current product guide on the Agent Portal. This page isn't the contract.
一、产品线一览1. The lineup at a glance
从便宜到保证最强，大致是：定期 → 固定 UL → IUL → 终身寿。前两者主要买保障，IUL 兼顾保障和现金值增长，终身寿保证最多。
From lowest cost to strongest guarantees: term → fixed UL → IUL → whole life. The first two are mainly protection; IUL balances protection with cash-value potential; whole life guarantees the most.
| 产品Product | 类型Type | 投保年龄Issue ages | 最低保额Min face | 定位Positioning |
|---|---|---|---|---|
| Living Life Defender (LLD) | IUL，PFA 专属（LSW）IUL, PFA-exclusive (LSW) | 0–85 | $50,000 | 30 多到 50 出头、想多存以后领钱的家庭Late 30s–early 50s, fund heavily now, income later |
| FlexLife / FlexLife NL | IUL | 0–85 | $50,000 | 同上；可选 GPT 或 CVATSimilar; GPT or CVAT at issue |
| SummitLife (LSW) | IUL | 0–85 | $1,000,000 | 高净值、高龄段表现、企业与保费融资Affluent, older-age performance, business and premium finance |
| TotalSecure / NL | 分红终身寿，灵活保费Participating WL, flexible premium | 0–85 | $50,000 | 要保证；多交的钱把保单提前缴清Guarantees; extra premium pays the policy up early |
| 定期险Term | G10/G15/G20/G30 | 见当期产品指南See the current guide | 临时需要；可转换；含重疾/重伤 ABRTemporary needs; convertible; ABRs incl. critical illness/injury | |
所有国家人寿寿险都自带生前福利附约（ABR），不另收费，符合条件自动附加；定期险的 ABR 随保单结束。联合寿险要在第一位被保险人身故后才能申请 ABR。
Every National Life policy includes living-benefit riders (ABRs) at no premium, added automatically when the insured qualifies; on term they end with the policy. On survivorship policies ABRs are only available after the first death, on application.
SummitLife 补充：0–85 岁（按最近生日）；最低 $100 万（含 APB）；GPT 或 CVAT 可选；$100 万–$200 万放入 Express 类别、不接受表列加费；保额档 $100 万–$499 万、$500 万以上； 保费费用各年 6%；月费 $6；固定账户保证 1%；10 年退保费；利息奖金从第 2 个保单周年开始；附约包括全部 ABR（含阿尔茨海默）、APB、BSB、BDO、DBPR、LIBR、OPR、QPEP、WMD、WSP。
SummitLife notes: ages 0–85 ANB; min $1M (including APB); GPT or CVAT; $1M–$2M goes into an Express class with no table ratings; bands $1M–$4.99M and $5M+; 6% premium load all years; $6 monthly fee; 1% fixed minimum; 10-year surrender; interest bonus from the second anniversary; riders include all ABRs (Alzheimer's too), APB, BSB, BDO, DBPR, LIBR, OPR, QPEP, WMD and WSP.
二、LLD 核心规格2. LLD core specs
| 项目Item | 规格（2025 年 4 月版）Spec (April 2025 version) |
|---|---|
| 投保年龄Issue ages | 0–85（按最近生日 ANB）0–85 ANB |
| 保额Face | 最低 $50,000；加保最低 $25,000（Gap Protector 自动加保除外）Min $50,000; increases min $25,000 (Gap Protector increases exempt) |
| 7702 测试7702 test | 只有 GPT（保费上限 + 走廊系数）GPT only (premium limits plus corridor) |
| 保单保护期Policy protection period | 10 年：累计保费 − 提取 − 贷款 ≥ 累计最低月保费，即使退保价值为 0 也不失效10 years: if cumulative premium − withdrawals − debt ≥ cumulative minimum monthly premium, no lapse even at zero surrender value |
| 风险等级Risk classes | Elite NT 18–75；Preferred / Select NT 18–85；Standard NT 0–85；Express Std NT1 0–85、NT2 18–85（总保额 ≤ $3M）；Preferred / Standard / Express 吸烟 18–85Elite NT 18–75; Preferred / Select NT 18–85; Standard NT 0–85; Express Std NT1 0–85, NT2 18–85 (total face ≤ $3M); Preferred / Standard / Express tobacco 18–85 |
| 保额档Bands | <$250K · $250K–<$1M · $1M–<$3M · $3M+ |
| 贷款Loans | 第 2 年起（1035 转入的钱第 1 年即可）；四种贷款，每年可换一次，见《保单贷款》From year 2 (year 1 for 1035 money); four loan types, switchable once a year; see Policy Loans |
| 部分提取Withdrawals | 第 2 年起，最低 $500，手续费最高 $25；上限为退保价值减 3 个月扣费；选项 A 会同步降保额From year 2, min $500, fee up to $25; limit is surrender value less three monthly deductions; under Option A the face drops too |
| 1035 带贷款转入1035 with loans | 贷款最多为转入总额的 50%Loans up to 50% of the gross amount |
| 计息策略Strategies | S&P Cap Focus、S&P Participation Focus、S&P 1% Floor、Balanced Trend（UBS）、US Pacesetter（SG）、固定账户（保证 0.10%）。每月 14 日起算，12 个月一段。详见《指数策略》S&P Cap Focus, S&P Participation Focus, S&P 1% Floor, Balanced Trend (UBS), US Pacesetter (SG), Fixed (0.10% guaranteed). Segments start on the 14th and run 12 months. See Index Strategy |
| 州别States | LSW 产品，纽约州不卖An LSW product, not sold in New York |
三、费用都在哪里3. Where the charges are
客户最常问「为什么头几年现金值比交的钱少」。答案就在这几项费用里，加上前 10 年的退保费：
The most common question is "why is the early cash value below what I paid?" The answer is these charges, plus the 10-year surrender charge:
| 费用Charge | LLD | FlexLife |
|---|---|---|
| 保费费用（每笔保费扣）Premium load (on each premium) | 1–10 年 8%，11 年起 5%（保证最高 8%）8% years 1–10, 5% from 11 (8% guaranteed max) | 6%（内部 1035 转入免）6% (internal 1035 amounts exempt) |
| 保单管理费Policy fee | 每月 $6$6 a month | 每月 $6$6 a month |
| 每千元保额费用Per-$1,000 expense charge | 非吸烟收 10 年，吸烟收 15 年10 years non-tobacco, 15 years tobacco | |
| 账户价值费用Account-value charge | 按账户价值的小比例按月扣，前若干年收取；各版本数字不同，看当期指南A small monthly percentage of AV in early years; the figure differs by version, so check the current guide | |
| 保险成本 COICost of insurance | 按风险保额（身故给付 − 账户价值）和年龄收，2017 CSO 生命表；年纪越大越高On the net amount at risk (death benefit − AV) by age, 2017 CSO; rises with age | |
| 退保费Surrender charge | 10 年递减；每次加保有自己的一套Declines over 10 years; each increase has its own schedule | |
所以：多交（接近 GPT 上限）比少交更划算：固定费用摊得更薄，风险保额更小，COI 更低。 把大保额压在最低保费上，是之后失效和生前福利变少的根源。
Hence: funding near the GPT limit beats minimum funding: fixed charges are spread thinner, the amount at risk is smaller, COI is lower. A large face on minimum premium is the root of later lapses and smaller living benefits.
四、奖金：当前值和保证值4. Bonuses: current vs guaranteed
LLD 投保时二选一（之后不能在两类之间换）：利息奖金，或 Enhancer 系列（系列内每段结束时可换档）。 2025 年 10 月的费率表第一次把保证值和当前值并列。差距很大，讲给客户时两个都要说。
LLD picks one structure at issue, with no switching between them: the Interest Bonus or the Enhancer family (within which you can change level at each segment end). The October 2025 rate sheet shows guaranteed and current values side by side. The gap is wide, so tell clients both.
| 选项Option | 费用Charge | 奖金比例（当前 / 保证）Bonus % (current / guaranteed) | 奖金上限，占分段价值（当前 / 保证）Cap as % of segment (current / guaranteed) |
|---|---|---|---|
| 利息奖金Interest Bonus | 无None | 第 2–9 年 0.25%，第 10 年起 0.50%（固定账户 0.25%），按平均账户价值；贷款抵押部分不计0.25% years 2–9, 0.50% from year 10 (0.25% on Fixed) of average AV; loan collateral excluded | |
| Enhancer | 无None | 15% / 15% | S&P 0.85%、波动控制 0.95% / 0.40%S&P 0.85%, vol-controlled 0.95% / 0.40% |
| Enhancer Plus | 1% | 45% / 20% | 2.50%–3.00% / 1.50% |
| Enhancer Max | 1–19 年 3%，20–29 年 2%，30 年起 1%3% yrs 1–19, 2% yrs 20–29, 1% from 30 | 95%（2–20 年）/ 70% / 45%；保证 30% / 25% / 20%95% (yrs 2–20) / 70% / 45%; guaranteed 30% / 25% / 20% | 6–7% / 4.25–5% / 2.5–3%；保证 2.50% / 2.00% / 1.50%6–7% / 4.25–5% / 2.5–3%; guaranteed 2.50% / 2.00% / 1.50% |
一、费用是固定的，奖金是可以调低的，最低到保证值。二、费用从第 1 年开始扣，奖金从第 2 年开始给。 三、指数当年为 0 时没有指数收益，也就没有奖金，但费用照扣，Enhancer Max 那一年就是净亏 3%。算法例子见《指数策略》。
One: the charge is fixed; the bonus can be lowered, down to the guaranteed level. Two: charges start in year 1; bonuses from year 2. Three: in a zero-index year there's no credit, so no bonus, but the charge still comes out; with Enhancer Max that year is a 3% loss. Worked example in Index Strategy.
五、CMC 多人定期附约5. CMC multi-life term rider
Combo MultiChoice（CMC）是加在 LLD 上的 20 年或 30 年定期险，可以保最多 5 位成年人（含主被保险人），每人各有自己的 ABR 额度。 2026 年会的例子：比单独买 20 年定期便宜约 11–17%，而且一份申请约 30 分钟，单独买要约 2 小时。
Combo MultiChoice (CMC) is 20- or 30-year term added to an LLD, covering up to five adults including the primary insured, each with their own ABR limits. The 2026 convention example put it 11–17% below separate 20-year term, with one application taking about 30 minutes instead of about two hours.
| 规则Rule | 内容Detail |
|---|---|
| 人数People | 每位被保险人一个 CMC，一张保单最多 5 个（eApp 可加 2 个，其余 3 个通过 Agent Portal 链接）；随时可加减，每次加人都要核保One CMC per insured, up to five per policy (two via eApp, the rest via an Agent Portal link); add or remove any time, each addition underwritten |
| 总额Total | 所有 CMC 合计最多为主保单保额的 3 倍，可分配（例：$1M 主保单 → $2M / $500K / $500K）All CMCs combined up to 3× base face, shareable (e.g. $1M base → $2M / $500K / $500K) |
| 投保年龄Issue ages | 20 年期 18–70 非吸烟（Express NT2 和吸烟 18–65）；30 年期 18–55 非吸烟、18–50 吸烟；Express 总额 ≤ $3M20-year 18–70 NT (Express NT2 and tobacco 18–65); 30-year 18–55 NT, 18–50 tobacco; Express total ≤ $3M |
| 转换成 LLDConversion to LLD | 20 年期在 15 年内、30 年期在 20 年内、且 70 岁前；66 岁后投保的 5 年内；主被保险人身故或全额提前给付后 90 天内。转换时持有人可以改成该被保险人20-year within 15 years, 30-year within 20, and before 70; issued 66+ within 5 years; within 90 days of the primary's death or full acceleration. Ownership can move to that insured at conversion |
| ABR 全有或全无ABRs all-or-none | 只要有一人不符合某项 ABR，所有人都失去这一项（投保时和之后加人都一样）。加人会让别人失去 ABR 时，给他单独买定期If one person doesn't qualify for an ABR, everyone loses it, both at issue and on later additions. If adding someone would strip others' ABRs, write them separate term |
| 结束Ends | 主保单终止、全额提前给付、定期届满或申请取消；启动 LIBR 时 CMC 终止。不适用退休金计划；CMC 上不能加 Premium Chronic CareBase termination, full acceleration, term expiry or on request; exercising LIBR ends it. Not for pension plans; Premium Chronic Care can't go on a CMC |
能保谁：可保利益和额度
Who qualifies: insurable interest and limits
| 关系Relationship | 核保参考额度Underwriting guide |
|---|---|
| 本人、配偶Owner, spouse | 按收入倍数计总额Income-multiple total |
| 25 岁以下在读成年子女Adult student child ≤ 25 | 最高 $1M（26 岁以上有文件也可到 $1M）Up to $1M (26+ with documents, up to $1M) |
| 免费帮忙带孩子的家人Family member providing free childcare | 最高 $100,000Up to $100,000 |
| 分担家用的有收入同住成员Earning household member sharing expenses | $100,000（有文件可更高）$100,000 (more with documents) |
| 共同担保或个人借款Co-signed or personal debt | 未偿余额的 75%（个人间借款要有律师起草的协议，写明多出的身故金怎么处理）75% of the balance (person-to-person loans need an attorney-drafted agreement stating what happens to excess proceeds) |
| 企业：买卖协议 / 关键人 / 高管奖金Business: buy-sell / key person / exec bonus | 按估值比例；成熟企业关键人最高 10 倍薪资、新企业 5 倍；高管奖金最高 10 倍薪资Proportional valuation; key person up to 10× pay (established) or 5× (newer); exec bonus up to 10× pay |
判断可保利益可以问：是否同住或分担开销？家人是否免费帮忙带孩子？双方是否有正式借款？主被保险人是否为对方的债务担保（含学生贷款）？ 是否共同持有企业？失去这位员工是否会严重影响企业？全答「否」也不一定没有，问国家人寿的专员。加州不能用 CMC 的宣传材料。
Screening questions: do they live together or share expenses? Does a relative provide free daily childcare? Is there a formal loan? Does the primary co-sign their debt, including student loans? Do they co-own a business? Would losing this employee seriously hurt the business? Even if all answers are no, ask a National Life specialist. CMC marketing pieces aren't approved in California.
六、保证不失效与自动加保6. No-lapse guarantees and automatic increases
Guaranteed Flex Rider（LLD）
Guaranteed Flex Rider (LLD)
自动附加，前 10 年免费：每月交够保证保费，保单不失效。投保时可延长到 20/30/40 年，每月加少量费用；之后可以取消，但不能换期限。 累计计算，允许提取（保费 − 提取 − 贷款 ≥ 要求即可）。最高投保年龄 75。
Automatic, free for 10 years: pay the monthly guaranteed premium and the policy won't lapse. At issue it can be extended to 20/30/40 years for a small monthly charge; later you can drop it but not change the period. Tested cumulatively; withdrawals allowed if premiums − withdrawals − debt still meet the requirement. Max issue age 75.
DB Protection Rider（FlexLife）
DB Protection Rider (FlexLife)
按投保年龄给不失效期：FlexLife 0–29 岁 30 年、30–39 岁 25 年、40–54 岁 20 年、55–64 岁 15 年、65–75 岁 10 年。 保费累计生息要达到最低保证保费；不达标会有 61 天通知，之后附约取消且不能恢复。
No-lapse period by issue age: FlexLife 0–29 → 30 years, 30–39 → 25, 40–54 → 20, 55–64 → 15, 65–75 → 10. Premiums accumulated with interest must meet the minimum guarantee premium; falling short brings a 61-day notice, then the rider is cancelled for good.
Gap Protector（LLD）
Gap Protector (LLD)
20–50 岁、仅投保时加：保额每年自动增加 5%、10% 或 15%，不用再核保，保费随之增加；可随时停止。 上限：20–29 岁为投保保额的 4 倍，30–39 岁 3 倍，40–50 岁 2 倍，增加到 70 岁为止。投保保额 ≤ $999,999；不能有加费、Express 或 flat extra。
Ages 20–50, at issue only: the face rises 5%, 10% or 15% a year without new underwriting, and premium rises with it; stop any time. Ceiling: 4× issue face at 20–29, 3× at 30–39, 2× at 40–50, increasing until 70. Issue face ≤ $999,999; no table ratings, Express or flat extras.
Guaranteed Insurability（GIR / GIO）
Guaranteed Insurability (GIR / GIO)
在 25、28、31、34、37、40 岁和结婚、生子/领养时（LSW 还有买房/再融资）免核保加保。 LSW：投保 0–37 岁，每次 $5,000 至保额与 $50,000 较低者；NL：0–39 岁，每次最高为保额 2 倍并按年龄封顶。不适用加费或 Express。
Buy more without underwriting at 25, 28, 31, 34, 37 and 40, and on marriage or birth/adoption (LSW also on a home purchase or refinance). LSW: issue 0–37, $5,000 up to the lesser of face or $50,000 per option; NL: 0–39, up to 2× face capped by age. Not with ratings or Express.
七、其他附约一览7. Other riders
| 附约Rider | 做什么What it does | 关键限制Key limits |
|---|---|---|
| Premium Chronic Care | 慢性病按月给付 2% 或 4% 身故金，不打折，无等待期Chronic illness pays 2% or 4% of the death benefit monthly, undiscounted, no waiting period | 额外收费；18–75 岁；每人最高 $3M；4% 可降为 2%，不能反向；非纽约Extra cost; ages 18–75; $3M per insured; 4% can drop to 2%, not the reverse; not NY |
| LIBR | 60–85 岁把现金值变成终身贷款收入Turns cash value into lifetime loan income at 60–85 | 自动附加；投保 0–75；在保满 10 年；见《保单贷款》Automatic; issue 0–75; 10 years in force; see Policy Loans |
| Additional Protection Benefit (APB) | 用附约方式增加保额，当前成本更低，保证成本更高Adds face at lower current cost but higher guaranteed cost | 最低 $25,000；最多为主保额 3 倍；无佣金Min $25,000; up to 3× base; non-commissionable |
| Balance Sheet Benefit | 豁免 1–100% 退保费，让早期现金值可用Waives 1–100% of surrender charges for early liquidity | 企业（关键人、递延薪酬、分离美元）或个人短期需要；仅投保时；按月收费Business (key person, NQDC, split dollar) or personal short-term need; at issue only; monthly charge |
| 子女定期Children's Term | 15 天–16 岁，$5,000–$25,000，保到 25 岁15 days–16 years, $5,000–$25,000, to age 25 | 可转换为最多 6 倍（上限 $150,000）；孩子数不影响费用Converts up to 6× (max $150,000); cost doesn't depend on number of children |
| Extended Hospital Stay | 在美国医院连续住院 20 天以上后身故，多付 $5,000Extra $5,000 if death follows 20+ consecutive days in a US hospital | 自动免费；住院须在第 1 保单年度后开始；CT GA KS MD MT 不适用Automatic, free; stay must start after year 1; not CT GA KS MD MT |
| Unemployment Waiver of Surrender Charge | 非自愿失业连续 12 个月后全额退保免退保费Full surrender without surrender charge after 12 months' involuntary unemployment | 自动免费；投保 0–59 岁Automatic, free; issue 0–59 |
| Overloan Protection | 贷款快把保单拖垮时，转为缴清保单，避免失效产生的税Converts to paid-up when loans threaten a lapse, avoiding the tax hit | 在保 15 年、75 岁以上、贷款 ≥ 95% 退保价值；启动时收费15 years in force, age 75+, loans ≥ 95% CSV; charge on exercise |
| Premium Deposit Account | 一次存入，每年自动交保费，避免 MECLump sum pays future annual premiums, avoiding MEC | 5–20 年（加州最多 10）；利息对持有人计税；现役军人不可5–20 years (CA max 10); interest taxable to owner; not for active military |
| QPEP | 退休金计划里的保单离场时，保额可在计划外免核保续上When a plan-held policy exits, coverage continues outside the plan without new underwriting | 新保额 ≤ $2M 与（保额 − 现金值）较低者；最低 $25,000New face ≤ lesser of $2M or face − cash value; min $25,000 |
| Systematic Allocation | 年缴保费分 12 个月进指数策略Feeds annual premium into strategies over 12 months | 年缴至少 $3,600；不适用退休金计划Annual premium ≥ $3,600; not in qualified plans |
| 豁免月扣费（WMD）Waiver of Monthly Deductions | 完全失能后豁免月扣费Waives monthly deductions on total disability | 投保 0–55；前 24 个月按本职；60 岁前失能保到恢复，之后到 65 岁或 2 年Issue 0–55; own-occupation for 24 months; before 60 lasts while disabled, after 60 to 65 or two years |
| 豁免指定保费（WSP）Waiver of Specified Premium | 失能时由公司代交指定金额Company pays a chosen premium on disability | 投保 15–55；6 个月免责期；和 CMC 同用时只有主被保险人失能才豁免Issue 15–55; 6-month elimination; with CMC only the primary's disability counts |
| Fertility Journey | 做试管等生育治疗时一次性加账户价值One-time AV credit for fertility treatment | 自动免费；2 年等待期；多个州不适用。见《生前福利》Automatic, free; 2-year wait; unavailable in many states. See Living Benefits |
| Charitable Matching Gift | 受益人含慈善机构时，公司额外配捐Company adds a matching gift when a charity is a beneficiary | 最多主保额 2%，每张保单上限 $30,000，直接付给慈善机构；FlexLife 等；非纽约Up to 2% of base face, max $30,000 per policy, paid to the charity; on FlexLife and others; not NY |
| Benefit Distribution Option | 身故金分 10–30 年分期给付，换来更低 COIPays the death benefit over 10–30 years in exchange for lower COI | FlexLife；投保时选、不可撤销；会减少预计的 ABR；非纽约FlexLife; chosen at issue, irrevocable; lowers projected ABRs; not NY |
八、身故给付选项与加减保额8. Death-benefit options and face changes
选项 A 与 B
Option A and B
A（平准）：保额与账户价值 × 走廊系数取较高者。B（递增）：保额 + 账户价值，或走廊值。 第 1 年后每年可改一次：A 改 B 保额减去账户价值，B 改 A 保额加上账户价值。累积期常用 B，领钱前改 A（LIBR 启动时会自动改）。
A (level): greater of face or AV × corridor. B (increasing): face plus AV, or the corridor amount. Change once a year after year 1: A→B reduces face by the AV; B→A increases face by the AV. B during accumulation, A before income is common (LIBR switches it automatically).
加保与减保
Increases and decreases
加保要核保，最低 $25,000，新增部分有自己的 COI、费用、退保费，以及新的可抗辩期和自杀条款期。 减保前 9 年不能低于前 12 个月最高保额的 75%，且不会减少退保费和管理费。身故后到付款期间身故金至少按 2% 计息。
Increases need underwriting, min $25,000, and form their own segment with its own COI, charges, surrender schedule, contestable and suicide periods. Decreases in the first nine years can't go below 75% of the largest face in the prior 12 months, and don't reduce surrender or admin charges. Death proceeds earn at least 2% from death to payment.
九、TotalSecure：可以提前缴清的终身寿9. TotalSecure: whole life you can pay up early
分红终身寿，2017 CSO、3.25% 保证利率。必须交要求的保费；多交的部分会把一部分保单缴清，要求保费随之下降，像提前还房贷。 可以先 10 年多交、退休后降到最低。分红不保证，可选现金、抵保费、增额缴清、累积生息、Flex Term 等。每份申请都要附演示。
Participating WL on 2017 CSO at 3.25% guaranteed. The required premium must be paid; extra premium pays up part of the policy and the required premium drops, like prepaying a mortgage. Fund heavily for 10 years, then drop to the minimum in retirement. Dividends aren't guaranteed: cash, reduce premium, paid-up additions, accumulate, Flex Term. An illustration goes with every app.
IUL 和终身寿怎么选见《终身寿 vs IUL》。
Choosing between IUL and whole life: WL vs IUL.
十、怎么读年度对账单10. Reading the annual statement
以一份样本对账单为例，从上往下是：
Taking a sample statement, top to bottom:
| 部分Section | 看什么What to read |
|---|---|
| 现况（Where you are today）Where you are today | 账户价值；退保价值（= 账户价值 − 退保费 − 贷款 − 州税）；可贷金额；本期利息；计划保费Accumulated value; surrender value (= AV − surrender charge − loans − state tax); loan available; interest earned; planned premium |
| 计息账户与配置Interest accounts and allocations | 新保费先进 Basic Strategy，下一个月度转账日再转进所选策略New premium sits in the Basic Strategy until the next monthly transfer date, then moves to the chosen strategies |
| 本期明细Statement-period detail | 期初价值 + 保费 − 保费费用 − 账户价值费用 − COI − 其他费用 − 附约费 − 提取 + 利息 = 期末价值Beginning AV + premium − premium charge − AV charge − COI − other charges − rider charges − withdrawals + interest = ending AV |
| 附约与受益人Riders and beneficiaries | CMC 的被保险人、保额和到期日；提醒客户核对受益人CMC insureds, amounts and end dates; a prompt to check beneficiaries |
| Notice of Projected Policy Coverage | 按保证费用和保证利率（最差情况），保单能否撑到下一张对账单Whether the policy lasts to the next statement at guaranteed charges and rates (worst case) |
| 指数收益确认（每个结算日）Index Earnings Confirmation (each crediting date) | 分段价值、指数起止点、封顶、参与率、收益率、费用、结算后价值Segment value, index start and end, cap, participation, earnings rate, charges, value after crediting |
样本里前几年账户价值低于累计保费，这是正常的，也是讲「多交」和「别短期退保」的好教材。客户可以在 nationallife.com/customer 看对账单、1099、交费和贷款。
In the sample, early-year AV sits below premiums paid. That's normal, and a good way to explain funding levels and why not to surrender early. Clients see statements, 1099s, payments and loans at nationallife.com/customer.
十一、红线清单11. Red lines
- 不说「奖金保证」「费用会降」。奖金可调低到保证值，费用是固定的。
- Never say the bonus is guaranteed or that charges will fall. Bonuses can drop to guaranteed levels; charges are fixed.
- 不把附约名称（LIBR、Critical Injury、Alzheimer's、Fertility 等）翻译后用在客户材料里，产品专有名称的材料不允许翻译。
- Don't translate proprietary rider names (LIBR, Critical Injury, Alzheimer's, Fertility…) into client materials; product-specific material may not be translated.
- 不为了拿到 CMC 而夸大可保利益；个人借款要有正式文件。
- Don't stretch insurable interest to fit a CMC; personal loans need formal documentation.
- 不承诺某个州一定有某个附约，先查当期供应表。
- Don't promise a rider in a state before checking the current availability chart.
内部培训资料，仅供签约经纪人使用，不得转发给客户或公开使用。 规格、费用与州别供应为 2023–2026 年的版本，以当期产品指南为准；非保证元素可能变化。
Internal training material for contracted agents only; not for clients or public use. Specs, charges and state availability are as of 2023–2026, and the current product guide governs; non-guaranteed elements can change.