服务与流程Services & Process

可以。绿卡持有人通常适用与公民相同的产品范围；持工作或学生签证者也有可行方案，可选范围与所需材料因承保公司而异，通常会考虑签证类型、在美时间与在美的经济联系。申请一般需本人在美国境内完成，并提供身份与居留状态证明。Generally yes. Green card holders typically access the same range of products as citizens. Work and student visa holders also have viable options; what is available and what is required vary by carrier, and typically take into account visa type, time in the U.S., and economic ties here. Applications generally must be completed in person while in the United States, with documentation of immigration status.

不一定。是否需要体检、查到什么程度，取决于年龄、申请保额与健康告知的内容；部分产品与保额区间可走简化核保或免体检流程。需要注意的是，「免体检」不等于「免告知」——健康问题仍须如实回答。Not always. Whether an exam is required, and how extensive it is, depends on age, the amount applied for, and your health disclosures; some products and face amounts allow simplified or no-exam underwriting. Note that "no exam" does not mean "no disclosure" — health questions must still be answered truthfully.

主要是年龄、健康状况与病史、是否吸烟、职业与生活方式，以及你申请的保额与产品类型。其他条件相同时，越年轻投保通常越便宜，因为保险成本随年龄上升。Primarily age, health and medical history, tobacco use, occupation and lifestyle, and the amount and type of coverage applied for. All else equal, applying younger is generally less expensive, because the cost of insurance rises with age.

保额是一道减法题：家庭未来需要的钱，减去家庭已经有的钱。常用的算法有收入倍数法、DIME 法与缺口法，我们在知识库里写了完整的一篇。这也是免费需求分析要帮你算清的第一件事。It is a subtraction problem: what your family will need, minus what it already has. Common methods include income multiples, DIME, and needs-gap analysis — we wrote a full article on it. Establishing this number is the first thing a free needs analysis does.

一般情况下，受益人领取的身故赔偿金不计入联邦所得税。但若保单计入被保险人的应税遗产，且遗产总额超过联邦免税额（2026 年为每人 1,500 万美元），可能涉及遗产税；此外，分期给付中的利息部分，以及个别州的继承税，另有规定。具体情况请咨询你的会计师或税务律师。Generally, death benefits received by a beneficiary are not subject to federal income tax. However, if the policy is included in the insured's taxable estate and the estate exceeds the federal exemption (USD 15 million per person in 2026), estate tax may apply. Interest within installment payouts, and inheritance taxes in a few states, are treated separately. Consult your CPA or tax attorney on your situation.

走完整核保通常在数周量级，实际时长受体检安排与医生出具病历的速度影响很大——病历调取是最常见的拖延环节。简化核保流程通常更快。Full underwriting commonly runs on a scale of weeks. The actual timeline depends heavily on scheduling the exam and how quickly physicians release records — record retrieval is the most frequent source of delay. Simplified underwriting is usually faster.

可以。我们通过线上流程服务全美各州的家庭；面对面面谈在大洛杉矶与橙县地区安排。Yes. We serve families across the country through an online process; in-person meetings are arranged in Greater Los Angeles and Orange County.

咨询不收费，也不以购买任何产品为前提。需求分析的结论本来就包含「无需增加配置」这一项；后续跟进仅为每年一次的保单年检提醒，可随时取消。Consultations are free and are not conditioned on purchasing anything. "No additional coverage needed" is a legitimate conclusion of a needs analysis. Follow-up consists solely of one annual policy check-in, which you may cancel at any time.

我们不向客户收取咨询费。持牌经纪的报酬来自承保保险公司支付的佣金，这是美国人寿保险行业的通行方式。We charge clients no advisory fee. Licensed agents are compensated through commissions paid by the issuing insurance carrier — the standard arrangement in the U.S. life insurance industry.