类目节点 · Category node
保险 / Insurance
Indexed Universal Life (IUL) [DEMO]
iulinsurance
Tier:科普 Literacy
机制 Mechanisms
m_iul_index_credit
m_iul_index_creditprofessional
IUL credits interest tied to an index subject to caps/participation/floor; cost of insurance and policy charges apply. (SME-verify mechanics + how illustrations work.)
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
- Ask the licensed agent for ALL-IN fees: COI, rider, M&E, surrender schedule, in writing. professional
该备的材料 Required materials
- Full policy illustration (in writing)
法规约束 Governing regulatory constraints
无登记的法规约束 (demo)。
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。