AnjiaUSA · Los Angeles · 全美服务Serving Families Nationwide
为家庭建立
经得起推敲的保障。Protection your family can actually verify.
生前福利型寿险 · 退休规划 · 子女教育金——全员持牌的华人团队，国·粤·英·日四语服务，线上覆盖全美。Living-benefit life insurance · retirement · college funding — a fully licensed multilingual team, nationwide online.
✓全员持牌Fully Licensed✓咨询免费Free Consultations✓结论如实告知Candid Assessment
Living Benefits
生前福利：活着就能用的保障Living Benefits: Protection You Can Use While Living
多数家庭只为一种风险做了准备。事实上，每个家庭面对的是三种。Most families prepare for one risk. In reality, every family faces three.
家庭支柱倒下，房贷、教育、生活开销由谁承接。Who carries the mortgage, tuition, and daily life if the breadwinner is gone?
重疾来临，收入中断、开销陡增——财务上最脆弱的一环。Critical illness cuts income while costs surge.
退休金能不能撑过三十年的退休生活。Will your savings last a 30-year retirement?
现代人寿保险可以附加“加速给付”类附加条款：当被保险人发生符合条款定义的重大、慢性或末期疾病等情形时，可以在生前提前动用一部分身故赔偿金。这就是“生前福利”。它的触发条件与相关影响都写在合同里，我们会在你做决定之前逐条讲清楚。Modern life insurance can include optional Accelerated Benefit Riders: upon a qualifying critical, chronic, or terminal illness, a portion of the death benefit can be accessed while living. These are living benefits. Their triggers and trade-offs are all defined in the contract, and we walk you through each one before you decide.
在知识库了解更多 →Read more in our Knowledge Center →
Our Services
我们能为你的家庭做什么What We Do
家庭财务需求分析Family Needs Analysis
60分钟系统梳理：保障缺口、税优账户、退休与教育金目标。A 60-minute review of protection gaps, tax-advantaged accounts, and goals.
保单体检Policy Review
提交保单年度报告，我们逐项梳理并把结论讲清楚。Send us your annual statement; we go through it item by item and explain every finding.
保障与生前福利规划Protection & Living Benefits
按家庭责任的轻重排序，优先补上最大的保障缺口。Prioritized by household responsibility, closing the largest protection gap first.
退休与子女教育金Retirement & College
401(k)、IRA、社安金与保险类工具怎么配合。How 401(k), IRA, Social Security, and insurance tools fit together.
Our Standards
三项执业标准Three Professional Standards
需求分析的结论包含「无需增加配置」。若评估结果如此，我们会明确告知，并说明依据。A needs analysis can legitimately conclude that no additional coverage is warranted. When it does, we state that plainly and explain the basis.
保单体检逐栏说明保费流向、成本结构与现金价值走势，结论以书面小结交付。A policy review accounts line by line for premium allocation, cost structure, and cash value trajectory, with findings delivered in writing.
外州客户全程线上完成：视频会议逐页讲解，文件以中英文各说明一次，电子签名交付。Out-of-state clients are served entirely online: page-by-page video walkthroughs, every document explained in both languages, e-signature delivery.
以上为每一次服务均执行的标准流程，非客户评价。The above are standard procedures applied to every engagement; they are not client testimonials.
先把数字算清楚，再谈方案Establish the Numbers First
一次免费的家庭需求分析，或一次免费的保单体检。约60分钟，你会拿到一份书面小结——是否需要配置产品，由你判断。A complimentary family needs analysis or policy review. About sixty minutes, and you leave with a written summary. Whether any product is warranted is your decision.
预约免费咨询Book a Consultation