{"id":5177,"date":"2024-03-29T02:08:14","date_gmt":"2024-03-29T06:08:14","guid":{"rendered":"https:\/\/kingdomresourcesforchrist.com\/?post_type=article&#038;p=5177"},"modified":"2025-08-11T16:20:57","modified_gmt":"2025-08-11T20:20:57","slug":"do-you-know-insurance","status":"publish","type":"article","link":"https:\/\/e-krc.org\/en\/article\/do-you-know-insurance\/","title":{"rendered":"Do you know what insurance is?"},"content":{"rendered":"<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/vkl.umo.mybluehost.me\/wp-content\/uploads\/2025\/08\/do-you-know-insurance-1.jpg\" alt=\"\"\/><\/figure>\n\n\n\n<p>\u63d0\u8d77\u4fdd\u96aa\uff0c\u5176\u5be6\u5927\u5bb6\u90fd\u4e0d\u964c\u751f\u3002\u5728\u7f8e\u570b\uff0c\u6709\u8eca\u7684\u4eba\u90fd\u8981\u6709\u8eca\u96aa\uff0c\u5426\u5247\u5c31\u62ff\u4e0d\u5230\u99d5\u99db\u57f7\u7167\uff1b\u501f\u9322\u8cb7\u623f\u7684\u4eba\u90fd\u8981\u6709\u623f\u96aa\uff0c\u5426\u5247\u501f\u4e0d\u5230\u623f\u8cb8\uff1b\u5728\u9ad8\u54c1\u8cea\u9ad8\u50f9\u4f4d\u91ab\u7642\u7684\u4eca\u5929\uff0c\u5c0d\u5927\u591a\u6578\u4eba\u4f86\u8aaa\uff0c\u66f4\u662f\u975e\u6709\u5065\u5eb7\u4fdd\u96aa\u4e0d\u53ef\uff0c\u5426\u5247\u4e00\u5834\u5927\u75c5\uff0c\u53ef\u80fd\u5c0e\u81f4\u7a4d\u84c4\u7528\u76e1\uff0c\u751a\u81f3\u8ca0\u50b5\u7d42\u8eab\u3002\u4fdd\u96aa\u57fa\u672c\u4e0a\u662f\u4e00\u7a2e\u539f\u7406\u7c21\u55ae\u3001\u64cd\u4f5c\u8907\u96dc\u7684\u5354\u8b70\u5b89\u6392\u3002\u5c0d\u5927\u591a\u6578\u4eba\u4f86\u8aaa\uff0c\u4fdd\u96aa\u5c31\u50cf\u662f\u500b\u5967\u79d8\uff0c\u5f88\u96e3\u5206\u6790\u7406\u89e3\u548c\u4f5c\u6709\u6548\u7684\u8a55\u4f30\uff0c\u4e00\u822c\u53ea\u8981\u6c42\u4fdd\u8cbb\u4f4e\u3001\u7d66\u4ed8\u9ad8\u3001\u6c92\u6709\u767d\u82b1\u9322\u5c31\u597d\uff0c\u5176\u4ed6\u7d30\u7bc0\u5c31\u8a17\u4ea4\u7d66\u4fdd\u96aa\u5f9e\u696d\u4eba\u58eb\u5168\u6b0a\u8ca0\u8cac\u4e86\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u4fdd\u96aa\u5230\u5e95\u662f\u751a\u9ebc<\/h3>\n\n\n\n<p>\u5728\u4e16\u4e0a\u6211\u5011\u6709\u82e6\u96e3\uff0c\u57fa\u7763\u5f92\u4e5f\u4e0d\u4f8b\u5916\uff08\u53c3\u7d04\u7ff0\u798f\u97f316:33\uff09\uff0c\u4f46\u300c\u901a\u9054\u4eba\u898b\u798d\u85cf\u8eb2\uff1b\u611a\u8499\u4eba\u524d\u5f80\u53d7\u5bb3\u3002\u300d\uff08\u7bb4\u8a0027:12\u7bc0\uff09\u5bb6\u5ead\u6301\u6709\u9069\u5ea6\u7684\u4fdd\u96aa\uff0c\u5176\u5be6\u662f\u4e00\u7a2e\u70ba\u5c07\u4f86\u6253\u7b97\u7684\u65b9\u5f0f\u3002<\/p>\n\n\n\n<p>\u4fdd\u96aa\u662f\u8fd1\u4ee3\u5546\u696d\u7d93\u6fdf\u7684\u7522\u7269\uff0c\u5b83\u4e3b\u8981\u7684\u529f\u80fd\u662f\u8655\u7406\u98a8\u96aa\u6210\u771f\u60c5\u6cc1\u4e0b\u7684\u5584\u5f8c\u3002\u4fdd\u96aa\u7684\u539f\u5247\u662f\u96c6\u7fa3\u4e92\u52a9\uff0c\u5408\u7406\u5206\u64d4\uff0c\u4e8b\u524d\u898f\u5283\u3002\u5b83\u61c9\u7528\u7d71\u8a08\u5b78\u7684\u5927\u6578\u64da\u5b78\u7406\uff0c\u6709\u6548\u964d\u4f4e\u98a8\u96aa\u8a55\u4f30\u7684\u53ef\u80fd\u8aa4\u5dee\u3002\u6bd4\u65b9\u8aaa\uff0c\u4e00\u767e\u842c\u8f1b\u8eca\u5b50\u5728\u8def\u4e0a\u8dd1\uff0c\u4e00\u5e74\u6709\u591a\u5c11\u8f1b\u6703\u51fa\u8eca\u798d\uff0c\u53ef\u4ee5\u6839\u64da\u904e\u53bb\u7684\u8cc7\u6599\u3001\u73fe\u5728\u60c5\u6cc1\u548c\u672a\u4f86\u7684\u9810\u671f\u6539\u8b8a\uff0c\u4f5c\u51fa\u53ef\u9760\u7684\u9810\u4f30\u3002\u4f46\u662f\u54ea\u4e00\u8f1b\u8eca\u6703\u51fa\u8eca\u798d\uff0c\u5c31\u771f\u7684\u8aaa\u4e0d\u6e96\u4e86\u3002\u4e00\u822c\u7684\u4fdd\u96aa\u53ef\u4ee5\u8aaa\u662f\u300c\u5e78\u904b\u4e0d\u51fa\u4e8b\u7684\u4eba\u5e6b\u52a9\u4e0d\u5e78\u51fa\u4e8b\u7684\u4eba\u300d\u3002\u4e00\u822c\u800c\u8a00\uff0c\u5e78\u904b\u8005\u8d8a\u591a\u4e0d\u5e78\u8005\u8d8a\u5c11\uff0c\u4fdd\u8cbb\u5c31\u6703\u8d8a\u4fbf\u5b9c\uff1b\u53cd\u4e4b\u4ea6\u7136\u3002<\/p>\n\n\n\n<p>\u4fdd\u96aa\u7684\u5b89\u6392\u5e38\u5e38\u9700\u8981\u5728\u98a8\u96aa\u8b8a\u6210\u5371\u6a5f\u4ee5\u524d\uff0c\u800c\u4e14\u8d8a\u65e9\u8d8a\u597d\u3002\u7576\u98a8\u96aa\u8b8a\u6210\u5371\u6a5f\u6642\uff0c\u9019\u6642\u4e5f\u662f\u4e0d\u5e78\u8005\u5c45\u591a\uff0c\u5e78\u904b\u8457\u5c45\u5c11\u7684\u6642\u5019\u3002\u56e0\u70ba\u5728\u9019\u6642\u5019\uff0c\u5927\u591a\u6578\u7684\u5e78\u904b\u8005\u6216\u662f\u5e6b\u4e0d\u8d77\uff0c\u6216\u662f\u4e0d\u60f3\u8b93\u4eba\u4f54\u4fbf\u5b9c\u3002\u4e0d\u5e78\u8005\u6216\u662f\u8981\u4ed8\u5f88\u9ad8\u7684\u4fdd\u8cbb\uff0c\u6216\u662f\u7947\u80fd\u81ea\u6c42\u591a\u798f\u4e86\u3002\u6bd4\u65b9\u8aaa\uff0c\u4e00\u500b\u4e03\u5341\u591a\u6b72\u6709\u904e\u5c0f\u4e2d\u98a8\u7684\u4eba\u8981\u8cb7\u9577\u7167\u4fdd\u96aa\uff0c\u5c31\u5f88\u4e0d\u5bb9\u6613\u3002<\/p>\n\n\n\n<p>\u5c0d\u500b\u4eba\u4f86\u8aaa\uff0c\u4e00\u751f\u4e2d\u901a\u5e38\u6709\u5169\u7a2e\u98a8\u96aa\uff1a\u6b7b\u4ea1\u8207\u9577\u58fd\u3002\u8cb7\u4fdd\u96aa\u662f\u8cb7\u5b89\u5fc3\uff0c\u8ca0\u8cac\u4efb\u3002<\/p>\n\n\n\n<p>\u8cb7\u4eba\u58fd\u4fdd\u96aa\u4e3b\u8981\u662f\u61c9\u4ed8\u6b7b\u4ea1\u98a8\u96aa\uff0c\u662f\u500b\u4eba\u5c0d\u5bb6\u5c0f\u8ca0\u8cac\u4efb\u7684\u8868\u73fe\uff1a\u842c\u4e00\u63d0\u65e9\u56de\u6b78\u5929\u5bb6\uff0c\u66f4\u7d66\u5bb6\u4eba\u5408\u5b9c\u7684\u6642\u9593\u8abf\u6574\u898f\u5283\u672a\u4f86\uff0c\u4e0d\u6703\u99ac\u4e0a\u627f\u53d7\u91d1\u9322\u7684\u58d3\u529b\u3002\uff08\u53c3\u63d0\u6469\u592a\u524d\u66f85:8\uff0c\u4eba\u8981\u770b\u9867\u89aa\u5c6c\u3002\uff09<\/p>\n\n\n\n<p>\u9577\u58fd\u98a8\u96aa\u662f\u4eba\u9084\u6c92\u904e\u4e16\uff0c\u9322\u5c31\u82b1\u5149\u4e86\u3002\u4f8b\u5982\uff0c\u7f8e\u570b\u9000\u4f11\u4eba\u58eb\u4e00\u5e74\u7684\u751f\u6d3b\u8cbb\u7528\u662f\u4e94\u842c\u7f8e\u5143\uff0c\u800c\u516d\u5341\u4e94\u6b72\u9000\u4f11\u7684\u4eba\u5e73\u5747\u6021\u990a\u5929\u5e74\u4e8c\u5341\u5e74\u3002\u90a3\u9ebc\u516d\u5341\u4e94\u6b72\u9000\u4f11\u7684\u4eba\u9700\u8981\u5b58\u591a\u5c11\u9322\u624d\u80fd\u8001\u6709\u6240\u990a\uff1f\u5982\u679c\u6c92\u6709\u6a5f\u69cb\u7684\u7d42\u8eab\u5e74\u91d1\uff08Pension\uff0c\u901a\u5e38\u662f\u6708\u9000\u4f11\u91d1\uff09\uff0c\u53c8\u6c92\u6709\u5229\u7528\u5e74\u91d1\u4fdd\u96aa\uff0c\u5e7e\u4e4e\u4efb\u4f55\u6578\u984d\u90fd\u4e0d\u662f\u6070\u6070\u597d\uff0c\u4e0d\u662f\u592a\u5c11\uff0c\u5c31\u662f\u592a\u591a\u3002\u4e3b\u8981\u539f\u56e0\u662f\uff0c\u4e00\u5927\u7fa4\u4eba\u7684\u5929\u5e74\u6709\u5e73\u5747\u503c\uff0c\u4e00\u500b\u4eba\u7684\u5929\u5e74\u53ea\u6709\u4e8b\u5f8c\u624d\u80fd\u77e5\u9053\u3002\u4ee5\u4eca\u5929\u7684\u91ab\u7642\u79d1\u6280\uff0c\u4eba\u4eba\u90fd\u6709\u53ef\u80fd\u7576\u904e\u767e\u58fd\u661f\u3002\u6c92\u6709\u5e74\u91d1\u4fdd\u96aa\uff0c\u5927\u5bb6\u53ea\u597d\u5118\u91cf\u5b58\u9322\uff0c\u4ee5\u9632\u8001\u672c\u7528\u76e1\uff0c\u8b8a\u6210\u5152\u5b6b\u6216\u793e\u6703\u7684\u8ca0\u64d4\u3002\u9577\u58fd\u7684\u98a8\u96aa\uff0c\u82e5\u662f\u4e00\u500b\u4eba\u81ea\u6211\u627f\u64d4\uff0c\u591a\u534a\u662f\u4e8b\u500d\u529f\u534a\u3002\u8cb7\u4fdd\u96aa\u5247\u6709\u6e1b\u4f4e\u98a8\u96aa\u5584\u5f8c\u5132\u5099\u8ca0\u64d4\u7684\u529f\u80fd\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u4fdd\u96aa\u7684\u5e7e\u7a2e\u7279\u9ede<\/h3>\n\n\n\n<p><strong>\u6210\u529f\u7684\u4fdd\u96aa\u6703\u5275\u9020\u591a\u8d0f\u6548\u679c<\/strong><\/p>\n\n\n\n<p>\u4fdd\u96aa\u6703\u8b93\u6295\u4fdd\u4eba\u6e1b\u5c11\u5c0d\u98a8\u96aa\u5584\u5f8c\u7684\u64d4\u5fc3\uff0c\u8b93\u9700\u8981\u88ab\u7167\u9867\u7684\u4eba\u5f97\u5230\u6bd4\u8f03\u7a69\u5b9a\u7684\u5e6b\u52a9\u548c\u652f\u6301\u3002\u5b83\u6703\u5e6b\u52a9\u500b\u4eba\u548c\u793e\u6703\u6d3b\u7528\u8cc7\u8ca1\uff0c\u589e\u52a0\u5c31\u696d\uff0c\u5275\u9020\u8ca1\u5bcc\u3002\u7576\u7136\uff0c\u5b83\u4e5f\u9700\u8981\u8b93\u627f\u4fdd\u8005\uff08\u4fdd\u96aa\u516c\u53f8\u53ca\u4fdd\u96aa\u7d93\u7d00\u4eba\uff09\u53d6\u5f97\u5408\u5b9c\u7684\u5229\u6f64\u548c\u50ad\u91d1\u3002\u4fdd\u96aa\u7684\u6210\u6557\u4e3b\u8981\u53d6\u6c7a\u65bc\u627f\u4fdd\u8005\u662f\u5426\u6709\u8db3\u5920\u7684\u667a\u6167\u3001\u5c08\u696d\u3001\u80fd\u529b\u3001\u8aa0\u4fe1\uff0c\u5584\u76e1\u597d\u7ba1\u5bb6\u53d7\u8a17\u8ca0\u8005\u7684\u8077\u8cac\u3002<\/p>\n\n\n\n<p>\u4fdd\u96aa\u672c\u8cea\u4e0a\u662f\u4e0d\u540c\u6578\u984d\u5148\u524d\u7684\u9322\u548c\u5f8c\u4f86\u7684\u9322\u4e4b\u4ea4\u63db\u3002\u6240\u6709\u6295\u4fdd\u4eba\u7684\u4fdd\u8cbb\u5168\u52a0\u8d77\u4f86\uff0c\u518d\u52a0\u4e0a\u6295\u8cc7\u7a6b\u5229\uff0c\u61c9\u8a72\u4e0d\u5c11\u65bc\u627f\u4fdd\u8005\u7684\u71df\u696d\u958b\u652f\u3001\u4fdd\u96aa\u7d66\u4ed8\u3001\u548c\u5408\u5b9c\u5229\u6f64\u7684\u7e3d\u548c\u3002\u5426\u5247\uff0c\u627f\u4fdd\u8005\u5f88\u96e3\u751f\u5b58\uff0c\u4e5f\u4e0d\u5bb9\u6613\u5c65\u884c\u5c0d\u6295\u4fdd\u8005\u7684\u627f\u8afe\u3002\u4e00\u822c\u51fa\u554f\u984c\u7684\u4fdd\u96aa\u90fd\u662f\u56e0\u70ba\u4fdd\u8cbb\u5b9a\u5f97\u592a\u4f4e\uff0c\u6216\u627f\u8afe\u7684\u7d66\u4ed8\u592a\u9ad8\uff0c\u6216\u6295\u8cc7\u7a6b\u5229\u592a\u5c11\uff0c\u6216\u71df\u696d\u958b\u652f\u592a\u5927\uff0c\u6216\u98a8\u96aa\u592a\u904e\u96c6\u4e2d\uff0c\u6216\u88ab\u6dd8\u7a7a\u8cc7\u91d1\u9020\u6210\u60e1\u6027\u5012\u9589\u3002<\/p>\n\n\n\n<p><strong>\u4fdd\u96aa\u662f\u4e00\u7a2e\u8ca1\u52d9\u670d\u52d9<\/strong><\/p>\n\n\n\n<p>\u4fdd\u96aa\u85c9\u96c6\u7fa3\u4e92\u52a9\u3001\u5408\u7406\u5206\u64d4\u7684\u65b9\u5f0f\uff0c\u5e6b\u52a9\u6211\u5011\u8655\u7406\u672a\u80fd\u907f\u958b\u7684\u98a8\u96aa\u3002\u5b83\u53e6\u5916\u4e00\u500b\u529f\u80fd\u5c31\u662f\u805a\u6c99\u6210\u5854\uff0c\u628a\u4eba\u5011\u70ba\u4e86\u842c\u4e00\u800c\u6e96\u5099\u7684\u6e38\u8cc7\u805a\u96c6\u5728\u4e00\u8d77\uff0c\u8f49\u6210\u6bd4\u8f03\u9ad8\u6536\u76ca\u7684\u9577\u671f\u6295\u8cc7\u3002\u6bd4\u65b9\u8aaa\uff0c\u6709\u4e86\u5065\u5eb7\u4fdd\u96aa\uff0c\u6211\u5011\u5c31\u4e0d\u5fc5\u6642\u6642\u8170\u7e8f\u842c\u8cab\uff0c\u7559\u8457\u5927\u628a\u9214\u7968\uff0c\u6e96\u5099\u842c\u4e00\u751f\u5927\u75c5\uff0c\u80fd\u5920\u770b\u91ab\u5403\u85e5\u3002\u9019\u6a23\uff0c\u70ba\u5927\u75c5\u6e96\u5099\u7684\u9322\u5c31\u53ef\u4ee5\u62ff\u53bb\u6295\u8cc7\u8cfa\u9322\u3002\u540c\u6642\uff0c\u627f\u4fdd\u8005\u4e5f\u5c07\u9810\u7559\u7d66\u672a\u4f86\u7d66\u4ed8\u7684\u4fdd\u8cbb\u90e8\u5206\uff0c\u805a\u96c6\u4e00\u8d77\uff0c\u6295\u8cc7\u751f\u8ca1\uff0c\u4e5f\u5c31\u6709\u66f4\u591a\u7684\u8cc7\u6e90\u53bb\u8655\u7406\u98a8\u96aa\u7684\u5584\u5f8c\u3002\u6b63\u5982\u4fdd\u7f85\u6240\u8aaa\uff1a\u300c\u5404\u4eba\u4e0d\u8981\u55ae\u9867\u81ea\u5df1\u7684\u4e8b\uff0c\u4e5f\u8981\u9867\u5225\u4eba\u7684\u4e8b\u3002\u300d\uff08\u8153\u7acb\u6bd4\u66f82:4\uff09<\/p>\n\n\n\n<p>\u96c6\u7fa3\u4e92\u52a9\u7684\u9053\u7406\u5927\u5bb6\u90fd\u61c2\uff0c\u56f0\u96e3\u8907\u96dc\u7684\u662f\u600e\u6a23\u5b89\u6392\u624d\u7b97\u662f\u5408\u7406\u5206\u64d4\u3002\u4e00\u822c\u4f86\u8aaa\uff0c\u98a8\u96aa\u5927\u7684\u4eba\u8981\u591a\u5206\u64d4\uff0c\u9322\u591a\u7684\u4eba\u8981\u591a\u5206\u64d4\u3002\u4f46\u591a\u5206\u64d4\u591a\u5c11\u624d\u662f\u5408\u7406\uff0c\u9019\u53ef\u662f\u898b\u4ec1\u898b\u667a\uff0c\u8981\u9760\u667a\u6167\u548c\u5c08\u696d\u3002\u8036\u7a4c\u4e5f\u8aaa\u904e\uff0c\u300c\u56e0\u70ba\u591a\u7d66\u8ab0\uff0c\u5c31\u5411\u8ab0\u591a\u53d6\uff1b\u591a\u8a17\u8ab0\uff0c\u5c31\u5411\u8ab0\u591a\u8981\u3002\u300d\uff08\u8def\u52a0\u798f\u97f312:48\uff09<\/p>\n\n\n\n<p>\u6c92\u6709\u98a8\u96aa\u5c31\u7528\u4e0d\u8457\u4fdd\u96aa\u3002\u6240\u4ee5\uff0c\u4e0d\u8ad6\u662f\u6295\u4fdd\u8005\u6216\u662f\u627f\u4fdd\u8005\uff0c\u9762\u5c0d\u4fdd\u96aa\u7684\u7b2c\u4e00\u6b69\u662f\u8a8d\u77e5\u98a8\u96aa\uff0c\u8a55\u4f30\u98a8\u96aa\u3002\u5c0d\u6295\u4fdd\u8005\u4f86\u8aaa\uff0c\u81ea\u5df1\u6709\u8cc7\u6e90\u8655\u7406\u98a8\u96aa\u662f\u4e0d\u9700\u8981\u8cb7\u4fdd\u96aa\u7684\u3002\u5c0d\u627f\u4fdd\u8005\u4f86\u8aaa\uff0c\u4e0d\u80fd\u6709\u6548\u8a55\u4f30\u6216\u6c92\u6709\u8db3\u5920\u8cc7\u6e90\u8655\u7406\u5584\u5f8c\u7684\u98a8\u96aa\uff0c\u4e0d\u8a72\u7368\u81ea\u627f\u64d4\uff0c\u800c\u9700\u8981\u8cb7\u518d\u4fdd\u96aa\uff08reinsurance\uff09\uff0c\u4ee5\u4fbf\u805a\u6c99\u6210\u5854\u3001\u96c6\u7fa4\u4e92\u52a9\u3002<\/p>\n\n\n\n<p>\u524d\u9762\u63d0\u5230\uff0c\u4fdd\u96aa\u9700\u8981\u4e8b\u524d\u898f\u5283\u3002\u5df2\u7d93\u767c\u751f\u7684\u4e8b\u4e0d\u662f\u98a8\u96aa\uff0c\u662f\u707d\u96e3\u3002\u5e38\u5e38\u807d\u5230\u4eba\u8aaa\uff0c\u6211\u597d\u597d\u7684\u70ba\u751a\u9ebc\u9700\u8981\u4fdd\u96aa\uff1f\u6211\u73fe\u5728\u751f\u75c5\u9700\u8981\u82b1\u5927\u9322\uff0c\u70ba\u751a\u9ebc\u8cb7\u4e0d\u5230\u4fdd\u96aa\uff1f\u5c0d\u65bc\u524d\u8005\uff0c\u6b64\u523b\u597d\u597d\u7684\u4e26\u4e0d\u80fd\u4fdd\u8b49\u4e0b\u523b\u4e5f\u98a8\u5e73\u6d6a\u975c\u3002\u5c0d\u65bc\u5f8c\u8005\uff0c\u4f60\u4e0d\u662f\u8cb7\u4fdd\u96aa\uff0c\u4f60\u662f\u627e\u4eba\u5e6b\u4f60\u4ed8\u9322\u3002\u8ce0\u9322\u7684\u751f\u610f\u505a\u4e0d\u4e45\uff0c\u627f\u4fdd\u8005\u5fc5\u9808\u70ba\u5df2\u6295\u4fdd\u8005\u514c\u73fe\u627f\u8afe\u548c\u8ca0\u8cac\u4efb\uff1b\u4f46\u627f\u4fdd\u8005\u4e5f\u9700\u8981\u6709\u8db3\u5920\u8cc7\u6e90\u624d\u80fd\u61c9\u4ed8\u53d7\u4fdd\u8005\u767c\u751f\u610f\u5916\u6642\u7684\u7406\u8ce0\u3002<\/p>\n\n\n\n<p><strong>\u4fdd\u96aa\u662f\u4e00\u7a2e\u5951\u7d04\u5354\u8b70<\/strong><\/p>\n\n\n\n<p>\u4fdd\u96aa\u7684\u6709\u6548\u6642\u9593\u53ef\u9577\u53ef\u77ed\u3002\u4fdd\u96aa\u7684\u5951\u7d04\u5354\u8b70\uff0c\u901a\u5e38\u662f\u7531\u627f\u4fdd\u8005\u64ec\u8a02\uff0c\u6295\u4fdd\u8005\u586b\u5beb\u3002\u5982\u679c\u627f\u4fdd\u8005\u662f\u653f\u5e9c\uff08\u516c\u5171\u4fdd\u96aa\uff09\uff0c\u6295\u4fdd\u8005\u4e00\u822c\u6c92\u6709\u592a\u591a\u7684\u9078\u64c7\u7a7a\u9593\u3002\u77ed\u671f\u7684\u4fdd\u96aa\uff0c\u4f8b\u5982\u8eca\u96aa\uff0c\u901a\u5e38\u4ee5\u534a\u5e74\u6216\u4e00\u5e74\u70ba\u671f\uff0c\u4fdd\u8cbb\u53ca\u7d66\u4ed8\u90fd\u6a19\u793a\u5f97\u76f8\u7576\u6e05\u695a\u3002\u9577\u671f\u7684\u4fdd\u96aa\uff0c\u4f8b\u5982\u4eba\u58fd\u4fdd\u96aa\uff0c\u6216\u662f\u9577\u7167\u4fdd\u96aa\uff0c\u90fd\u6709\u5e7e\u5341\u5e74\u7684\u671f\u6548\u3002\u627f\u4fdd\u8005\u901a\u5e38\u4fdd\u7559\u8a31\u591a\u5305\u62ec\u4fdd\u8cbb\u548c\u7d66\u4ed8\u8abf\u6574\u7684\u6b0a\u8cac\u3002\u8abf\u6574\u9808\u6709\u5408\u9069\u7684\u7406\u7531\uff0c\u4e26\u4e14\u8981\u901a\u904e\u9069\u7576\u7684\u7a0b\u5f0f\uff0c\u589e\u52a0\u627f\u4fdd\u8005\u7684\u5229\u6f64\u901a\u5e38\u4e0d\u88ab\u8a8d\u70ba\u662f\u5408\u9069\u7684\u7406\u7531\u3002<\/p>\n\n\n\n<p>\u5f9e\u627f\u4fdd\u8005\u7684\u8eab\u5206\u4f86\u770b\uff0c\u4fdd\u96aa\u53ef\u6b78\u5316\u70ba\u516c\u5171\u4fdd\u96aa\u548c\u6c11\u9593\u4fdd\u96aa\u5169\u5927\u985e\u3002\u516c\u5171\u4fdd\u96aa\u8f03\u6ce8\u91cd\u7167\u9867\u5f31\u52e2\uff0c\u4e26\u4e14\u8b93\u9322\u591a\u7684\u591a\u5206\u64d4\u4e00\u4e9b\uff0c\u6709\u6642\u9084\u4f9d\u8cf4\u7a05\u6536\u4f86\u88dc\u52a9\u3002\u5728\u805a\u7fa3\u4e92\u52a9\u4e0a\uff0c\u516c\u5171\u4fdd\u96aa\u6709\u6642\u662f\u8de8\u8d8a\u4e16\u4ee3\u7684\u3002\u8209\u500b\u4f8b\u5b50\uff0c\u7f8e\u570b\u7684\u8001\u4eba\u793e\u6703\u5b89\u5168\u5e74\u91d1\u5c31\u662f\u8de8\u4e16\u4ee3\u7684\uff0c\u7531\u4eca\u5929\u7684\u9752\u58ef\u8a8d\u990a\u4eca\u5929\u7684\u8001\u4eba\u3002\u63db\u53e5\u8a71\u8aaa\uff0c\u5b83\u5c31\u662f\u5c07\u50b3\u7d71\u7684\u990a\u5152\u9632\u8001\u7684\u7406\u5ff5\u516c\u5171\u5316\uff0c\u5728\u5c11\u5b50\u5316\u3001\u4eba\u53e3\u8001\u5316\u7684\u4eca\u5929\uff0c\u9019\u6a23\u7684\u5b89\u6392\u5f88\u96e3\u6c38\u7e8c\u3002\u4f60\u60f3\u60f3\uff0c\u5169\u500b\u9752\u58ef\u8981\u8a8d\u990a\u4e00\u500b\u8001\u4eba\uff0c\u800c\u4e14\u9084\u8981\u7167\u9867\u81ea\u5df1\u7684\u7236\u6bcd\uff0c\u7956\u7236\u6bcd\uff0c\u8a72\u6709\u591a\u7d2f\uff1f\u6c11\u9593\u4fdd\u96aa\u6c92\u6709\u5f37\u5236\u6027\uff0c\u5728\u5408\u7406\u5206\u64d4\u7684\u5b89\u6392\u4e0a\uff0c\u591a\u534a\u8981\u9075\u5f9e\u98a8\u96aa\u5927\u591a\u8ca0\u64d4\u7684\u539f\u5247\u3002\u5728\u96c6\u7fa3\u4e92\u52a9\u7684\u5b89\u6392\u4e0a\uff0c\u7fa3\u7d44\u7684\u6210\u54e1\u591a\u534a\u6709\u9ad8\u5ea6\u76f8\u4f3c\u6027\uff0c\u5f88\u5c11\u662f\u8de8\u8d8a\u4e16\u4ee3\u7684\u3002<\/p>\n\n\n\n<p>\u524d\u9762\u63d0\u5230\uff0c\u4fdd\u96aa\u61c9\u8a72\u8981\u4e8b\u524d\u898f\u5283\uff0c\u800c\u4e14\u8981\u8d8a\u65e9\u8d8a\u597d\u3002\u64e7\u500b\u4f8b\u8aaa\uff0c\u591a\u6578\u7684\u9577\u7167\u9700\u6c42\u662f\u5728\u4e03\u5341\u6b72\u4ee5\u5f8c\u3002\u4e94\u5341\u6b72\u4ee5\u524d\u9577\u7167\u4fdd\u8cbb\u8981\u6bd4\u516d\u5341\u6b72\u4ee5\u5f8c\u4fbf\u5b9c\u5f88\u591a\u3002\u4e3b\u8981\u539f\u56e0\u662f\u9019\u5341\u5e74\u4e4b\u5dee\uff0c\u964d\u4f4e\u4e86\u627f\u4fdd\u8005\u9808\u8981\u7d66\u4ed8\u7684\u6a5f\u7387\uff0c\u4e26\u4e14\u627f\u4fdd\u8005\u591a\u4e86\u5341\u5e74\u6295\u8cc7\u7a6b\u5229\u7684\u6642\u9593\u3002<\/p>\n\n\n\n<p>\u81f3\u65bc\u600e\u6a23\u9078\u64c7\u627f\u4fdd\u8005\uff1f\u5927\u9ad4\u4f86\u8aaa\uff0c\u4e0d\u9700\u8981\u592a\u591a\u670d\u52d9\u7684\u77ed\u671f\uff08\u77ed\u671f\u4e0d\u4e00\u5b9a\u6307\u4fdd\u96aa\u671f\u9593\u77ed\uff0c\u800c\u662f\u6307\u9700\u8981\u670d\u52d9\u7684\u671f\u9593\u77ed\uff09\u4fdd\u96aa\u770b\u4fdd\u8cbb\uff0c\u9700\u8981\u9577\u671f\u670d\u52d9\u7684\u4fdd\u96aa\u770b\u8aa0\u4fe1\u3002\u6bd4\u65b9\u8aaa\uff0c\u5b9a\u671f\u4eba\u58fd\u4fdd\u96aa\uff08term life insurance\uff09\u5c6c\u65bc\u300c\u77ed\u671f\u300d\uff0c\u4e3b\u8981\u770b\u4fdd\u8cbb\u3002\u7d42\u8eab\u4eba\u58fd\u4fdd\u96aa\uff08whole life insurance\uff09\u4e3b\u8981\u770b\u8aa0\u4fe1\u3002\u56e0\u70ba\u7d42\u8eab\u4eba\u58fd\u4fdd\u96aa\uff0c\u627f\u4fdd\u8005\u4fdd\u7559\u8a31\u591a\u8abf\u6574\u7684\u6b0a\u8cac\u3002\u81f3\u65bc\u8981\u4e0d\u8981\u8cb7\u4fdd\u96aa\uff1f\u4e00\u822c\u4f86\u8aaa\uff0c\u5c0d\u81ea\u5df1\u4e0d\u80fd\u627f\u64d4\u7684\u98a8\u96aa\u5c31\u61c9\u8a72\u8cb7\u4fdd\u96aa\uff0c\u5373\u4f7f\u6709\u6642\u9808\u8981\u7bc0\u8863\u7e2e\u98df\u3002\u5c0d\u5f85\u4fdd\u8cbb\uff0c\u6700\u597d\u7576\u4f5c\u7d93\u5e38\u652f\u51fa\uff0c\u9019\u6a23\uff0c\u6211\u5011\u5c31\u4e00\u4e0d\u5fc5\u70ba\u98a8\u96aa\u64d4\u5fc3\uff0c\u4e8c\u4e0d\u5fc5\u70ba\u4fdd\u8cbb\u75db\u5fc3\u3002<\/p>\n\n\n\n<p>\u8056\u7d93\u6559\u5c0e\u6211\u5011\u8981\u5168\u5fc3\u5168\u610f\u5730\u4fe1\u9760\u795e\uff0c\u4e0d\u53ef\u501a\u8cf4\u81ea\u5df1\u7684\u8070\u660e\uff08\u53c3\u7bb4\u8a003:5-6\u7bc0\uff09\u3002\u8056\u7d93\u4e5f\u8981\u6c42\u6211\u5011\u8981\u4f5c\u795e\u7684\u5fe0\u5fc3\u597d\u7ba1\u5bb6\uff08\u53c3\u8def\u52a0\u798f\u97f312:42\uff09\uff0c\u9664\u7167\u9867\u5bb6\u4eba\u53ca\u9130\u820d\u5916\uff0c\u9084\u8981\u7167\u9867\u8ca7\u56f0\u3001\u5f31\u52e2\u7684\u4eba\uff0c\u4e5f\u56e0\u6b64\u8499\u798f\uff08\u53c3\u7bb4\u8a0019:17\uff0c28:27\uff09\u3002\u5229\u7528\u4fdd\u96aa\u7684\u6a5f\u5236\u4f86\u5e6b\u52a9\u98a8\u96aa\u5584\u5f8c\u662f\u660e\u667a\u4e4b\u8209\u3002<\/p>\n\n\n\n<p>\u4e0b\u6b21\u6211\u5011\u5c07\u8a0e\u8ad6\u5728\u5317\u7f8e\u54ea\u4e00\u7a2e\u4fdd\u96aa\u5de5\u5177\u9069\u5408\u5bb6\u5ead\u7684\u9700\u8981\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/vkl.umo.mybluehost.me\/wp-content\/uploads\/2025\/08\/yi-long-yang-2018-color.jpg\" width=\"75\" height=\"90\">Yi Longyang graduated from the Department of Mathematics of National Taiwan University and received a PhD in Mathematics from Washington University in the United States. He has been employed in the U.S. actuarial industry since 1975; became a Fellow of the Society of Actuaries in 1979; and became an Enrolled Actuary with the U.S. federal government in 1980. I have been directly or indirectly involved in the internal work of the insurance business, including marketing, products, operations, investment, finance, accounting, etc. He believed in the Lord through grace in 1990 and now lives in Maryland, USA.<\/p>\n\n\n<style>.wp-block-kadence-spacer.kt-block-spacer-5177_f3df4b-48 .kt-block-spacer{height:60px;}.wp-block-kadence-spacer.kt-block-spacer-5177_f3df4b-48 .kt-divider{border-top-width:1px;height:1px;border-top-color:#eee;width:80%;border-top-style:solid;}<\/style>\n<div class=\"wp-block-kadence-spacer aligncenter kt-block-spacer-5177_f3df4b-48\"><div class=\"kt-block-spacer kt-block-spacer-halign-center\"><hr class=\"kt-divider\"\/><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>When it comes to insurance, everyone is actually familiar with it. In the United States, everyone who owns a car must have car insurance, otherwise they will not be able to get a driver&#039;s license; people who borrow money to buy a house...<\/p>","protected":false},"author":390,"featured_media":15389,"template":"","meta":{"_acf_changed":false,"give_campaign_id":0,"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":""},"issue":[218],"section":[86],"class_list":["post-5177","article","type-article","status-publish","has-post-thumbnail","hentry","issue-issue-52","section-kingdom-stewardship"],"acf":[],"taxonomy_info":{"issue":[{"value":218,"label":"52\u671f"}],"section":[{"value":86,"label":"\u795e\u570b\u7ba1\u5bb6 Kingdom Stewardship"}]},"featured_image_src_large":["https:\/\/e-krc.org\/wp-content\/uploads\/2025\/08\/do-you-know-insurance-1.jpg",600,339,false],"author_info":{"display_name":"\u6613\u9686\u6698","author_link":"https:\/\/e-krc.org\/en\/author\/yi-longyang\/"},"comment_info":"","_links":{"self":[{"href":"https:\/\/e-krc.org\/en\/wp-json\/wp\/v2\/article\/5177","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/e-krc.org\/en\/wp-json\/wp\/v2\/article"}],"about":[{"href":"https:\/\/e-krc.org\/en\/wp-json\/wp\/v2\/types\/article"}],"author":[{"embeddable":true,"href":"https:\/\/e-krc.org\/en\/wp-json\/wp\/v2\/users\/390"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/e-krc.org\/en\/wp-json\/wp\/v2\/media\/15389"}],"wp:attachment":[{"href":"https:\/\/e-krc.org\/en\/wp-json\/wp\/v2\/media?parent=5177"}],"wp:term":[{"taxonomy":"issue","embeddable":true,"href":"https:\/\/e-krc.org\/en\/wp-json\/wp\/v2\/issue?post=5177"},{"taxonomy":"section","embeddable":true,"href":"https:\/\/e-krc.org\/en\/wp-json\/wp\/v2\/section?post=5177"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}