Other Health Coverage
Chinese original · 中文原文
固定赔付医疗保险：看病、住院与手术的补充保障怎么选？ (opens in a new tab)
了解固定赔付医疗保险如何按约定金额给付，以及门诊、住院、手术、处方药的保障和限制。以 Health ProtectorGuard 为例，说明三档方案、赔付计算、既往症、健康核保与州别差异，帮助家庭判断是否需要这层补充保障。
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ACA / Obamacare
Chinese original · 中文原文
2027年奥巴马医疗保险有哪些变化？华人家庭的应对指南 (opens in a new tab)
2027 年 ACA 补贴资格有哪些变化？了解移民身份限制、收入门槛、补贴退还、报税核对和开放投保时间，并用一份家庭行动清单提前准备。附英文要点与官方来源。
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Annuities & Retirement
Chinese original · 中文原文
55岁投入10万美元，67岁起如何领取终生收入？年金案例详解 (opens in a new tab)
以55岁投入10万美元、67岁起最低保证年化收入19,257美元为例，讲清终生现金流、1.10%附加条款费用、12年退保期、非现金收入基数，以及不同市场情景下的收入和身故给付。
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Travel Medical
Chinese original · 中文原文
父母来美国探亲，IMG访客医疗保险怎么选？六款计划中文比较 (opens in a new tab)
以40岁男士赴美30天为例，比较IMG六款访客医疗保险的价格、赔付结构、既往症限制、就医流程和选择方法。
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ACA / Obamacare
Chinese original · 中文原文
怀孕后如何使用 Obamacare？ACA 孕产与新生儿保险指南 (opens in a new tab)
华人家庭实用指南：了解ACA孕产保障、妇产科网络、转诊、事先批准、家庭自付和新生儿登记。
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Pet Insurance
Chinese original · 中文原文
什么是宠物保险？报销、既往症与等待期中文指南 (opens in a new tab)
中文解释宠物意外险、疾病险、Wellness、免赔额、报销比例、年度限额、既往症、等待期、常见除外和理赔步骤。
Read in ChineseIndustry Updates
Product developments to inform your family’s planning.
ACA & Medicare Guidance
Explore ACA and Medicare options with bilingual enrollment guidance, plan comparisons, and checks for your doctors and medications.
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Fixed-Rate Annuity
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Lifetime Income Annuity
Understand income-base bonuses, accumulation rules and lifetime income options, including how the income base differs from cash value.
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