知识图谱 KB · FinAtlas (INTERNAL DEMO)

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FinAtlas · LongProof Finance Atlas INTERNAL DEMO

类目节点 · Category node

年金 / Annuity

Fixed Indexed Annuity (FIA) [DEMO]

fixed_indexed_annuityannuity

Tier:科普 Literacy

← 返回图谱索引

机制 Mechanisms

m_fia_surrender m_fia_surrenderprofessional

FIA: principal protection, index-linked credit with caps; surrender charge schedule; under NAIC best-interest. (SME-verify state adoption.)

适配因素 Suitability factors

无登记的适配因素 (demo)。

该问持牌人的问题 Trigger questions

What is the full surrender-charge schedule and free-withdrawal allowance? professional

该备的材料 Required materials

无登记的应备材料 (demo)。

法规约束 Governing regulatory constraints

法规约束 Constraint	figure_key 指针	具体数值
NAIC Annuity Best-Interest (state-adopted)	无外置数字键 (规则型约束)	—

G-2:任何会过期的法规数字一律外置,图谱只持有「存在此约束 + 指针」,从不内联数字。

默认升级类 Default escalation

判断型 judgment-class → 升级到持牌专业人士。判断型问题系统不自答 (INV-2)。

必备披露 Required disclosures

Agent may earn commission; ask for the disclosure.

本图谱结构上不存在 score/rank/best_product/recommendation 节点或边 — 这是 INV-1 的结构化实现 (G-1).

下一步 · Next step

下一步:用 /learn 做结构自评 — 把因素 / 该问持牌人的问题 / 应备材料 / 披露按结构整理,教育用途,不对产品打分或下结论。