知识图谱 KB · FinAtlas (INTERNAL DEMO)

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FinAtlas · m631 LongProof Finance Atlas INTERNAL DEMO

年金 / Annuity

Fixed Indexed Annuity (FIA) [DEMO]

Tier:

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机制 Mechanisms

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

无登记的必备披露 (demo)。

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).