保险搭桥

考取加州人寿、意外与健康（Life, Accident & Health）保险执照本就不易；若还要用英文应对上百个专业术语，更是难上加难。《保险搭桥》正是为这样的读者而写--想真正"读懂"保险、而不只是死记硬背的华语考生。

本书用清晰的中文讲解，同时把每一个专业术语都保留英文原文--正是你在考场上会看到、在执业中要使用的样子。它像一座桥，把你已有的生活直觉，一点点搭到考试要考的美国保险概念上去：不堆砌闪卡，而是把每条规则"为什么存在"讲清楚，用生活化的类比和原创例子把逻辑说透，并让关键术语反复出现、自然记牢。

内容 100% 覆盖 CDI 考纲，兼顾人寿卷（75 题）、健康卷（75 题）与合并卷（150 题）；全书十三章，从保险总论、人寿与年金、附加条款，到健康险、医疗费用、失能、长期护理、Medicare、ACA、加州保险法与职业道德，直到"成为 Covered California 认证代理人"。每个加州数字都对照官方来源（CDI、PSI、Covered California、CLHIGA）核实，并更新到最新规定--含 AB 943、年金"最佳利益"标准、2025 年 Medicare Part D 调整。另配中英双语术语桥与闪卡、数字速查卡、难词发音速查与"理解-巩固-冲刺"备考计划。

无论你是初到美国、想在保险业立足的新移民，还是希望把知识真正学透的双语从业者，《保险搭桥》都将陪你一步步走进加州的保险行业--一次一个概念，稳稳过桥。

Passing California's Life, Accident & Health insurance producer exam is hard enough on its own. Doing it in a second language, with hundreds of English terms to master, is harder still. The Insurance Bridge is the study guide built for exactly that reader - the Chinese-speaking candidate who wants to truly understand insurance, not just cram for a test.

Written in clear Chinese while keeping every technical term in English - the way you'll see it on exam day and use it on the job - this book builds a bridge from everyday intuition to the American insurance concepts the exam tests. Instead of burying you in flashcards, it explains why each rule exists, uses plain-language analogies and worked examples, and brings key terms back again and again until they stick.

Inside you'll find complete, up-to-date coverage of the CDI exam objectives for the Life exam (75 questions), the Accident & Health exam (75 questions), and the combined 150-question exam - across thirteen chapters spanning general insurance, life insurance and annuities, riders, health insurance, medical expense and managed care, disability income, long-term care, Medicare, the ACA, California law and ethics, and becoming a Covered California certified agent. Every California figure is verified against official sources (CDI, PSI, Covered California, CLHIGA) and updated for the latest rules, including AB 943, the best-interest annuity standard, and the 2025 Medicare Part D changes. Bilingual glossaries, a numbers cheat sheet, a pronunciation guide, and a realistic study plan round it out.

Whether you're a new immigrant launching an insurance career or a bilingual professional who wants to learn the material for good, The Insurance Bridge helps you cross into California's insurance profession - one concept at a time.