知识图谱 KB · FinAtlas (INTERNAL DEMO)

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FinAtlas · m631 LongProof Finance Atlas INTERNAL DEMO

保险 / Insurance

Indexed Universal Life (IUL) [DEMO]

Tier:

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机制 Mechanisms

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

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).