<section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTPFibSQe1Ok6iaibZ4hicO6vaZbC24eP2BLvt4IKmsUxJIZcSo2AGLIzHsonkRZibREL9dic6IO1lFbibHfg%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTPFibSQe1Ok6iaibZ4hicO6vaZbC24eP2BLvt4IKmsUxJIZcSo2AGLIzHsonkRZibREL9dic6IO1lFbibHfg/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><br /></section><section ><span >最近上线了一款比较少见的<strong>多形态养老金</strong>，</span></section><section ><span ><br /></span></section><section ><span >高领取版，均衡版；<span >终身版，定期版</span><span >，</span>应有尽有。</span></section><section ><br /></section><section ><span >正常情况，我们接下来就应该进行<span >详细</span>测评了。<br /></span></section><section ><span ><br /></span></section><section ><span >不过在分析资料后，我发现新品的<strong>定期版</strong>着实让人惊</span><span >喜，就决定单独拎出来说说。</span></section><section ><br /></section><section ><span >其他版本暂时先放后面。</span></section><section ><span ></span></section><section ><br /></section><section ><span style="color: rgb(33, 89, 103)">一、</span></section><section ><br /></section><section ><span >这款定期年金新品全名是：大家养老大家慧选C款养老年金保险，</span></section><section ><span ><br /></span></section><section ><span >以下简称<strong>大家慧选C款</strong>。</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(136, 136, 136)"><em><span >没提的其他两个版本正是大家慧选A款和B款，都是终身年金。</span></em></span><span ></span></section><section ><br /></section><p ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTOLRJesIKKybxvics2vV9n0NrMvd5icLvw3gR4IYbnx2fxPwFlCPp6Zia1sAcicT0cObqZUWc7dtQ4w1A%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTOLRJesIKKybxvics2vV9n0NrMvd5icLvw3gR4IYbnx2fxPwFlCPp6Zia1sAcicT0cObqZUWc7dtQ4w1A/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section ><br /></section><section ><span ><span >承保公司是一家专业养老保险公司——</span><strong>大家养老</strong>。</span></section><section ><br /></section><section ><span >成立于2013年</span><span >，注册资本33亿元，同时也是大家保险集团的全资子公司。</span></section><section ><span ><br /></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2F1QPP1s0AFkcsoP2QcwD9ibY3dKAcWb4JIiaoLXzs87tDD1eZZPzkbof1siccwBB1cYQmIibuuE70RC3KxEoD2qWW8A%2F640%3Fwx_fmt%3Dpng%26wxfrom%3D5%26wx_lazy%3D1%26wx_co%3D1" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/1QPP1s0AFkcsoP2QcwD9ibY3dKAcWb4JIiaoLXzs87tDD1eZZPzkbof1siccwBB1cYQmIibuuE70RC3KxEoD2qWW8A/640?wx_fmt=png&wxfrom=5&wx_lazy=1&wx_co=1" alt="懂保爷测评配图" loading="lazy" /></section><p ><span ><br /></span></p><p ><span >背后股东是：中国保险保障基金、上汽集团、中石化，均为国有企业。</span></p><p ><span ><br /></span></p><p ><span >另外，大家保险本身还是中国民生银行、招商银行、金融街控股、金地集团、远洋集团等多家知名公司的股东。</span></p><p ><br /></p><p ><span >今天要说的<strong>大家慧选C款</strong>，产品保障时间是领取年金后20年，即只能领取20年养老金。</span></p><p ><span ><br /></span></p><p ><span >20年到期后，会给付一笔<strong>15倍</strong>年金的满期金，相当于把未来15年的养老金提前给了。</span></p><p ><span ><br /></span></p><p ><span >并且这款还有保证领取15年，例如领了3年养老金就不幸身故，保险公司会把应领未领的剩余12年养老金给到家属。</span></p><p ><span ><span ><br /></span></span></p><p ><span ><span >产品功能层面，大家慧选C款支持加保和减保，</span></span></p><p ><span ><span ><br /></span></span></p><p ><span ><span >满足保费要求，还能对接大家旗下的城心高端养老社区，以及保险金信托。<br /></span></span></p><p ><span ><span ><br /></span></span></p><p ><span >其他就</span><span >没啥了，可能投保年龄需要留意些：</span></p><p ><br /></p><p ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTO2mdnO5on7k31iccWfSdOWclUk281asS6icicHXUY5dPGk1ndzNkrXzLPTzjiaiaqcrWE3uk2kMEib8m2Q%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTO2mdnO5on7k31iccWfSdOWclUk281asS6icicHXUY5dPGk1ndzNkrXzLPTzjiaiaqcrWE3uk2kMEib8m2Q/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></p><p ><br /></p><p ><span >说是65岁以下都能买，实际还得看缴费计划，和领取时间。</span></p><section ><span ></span></section><section ><span ></span></section><section ><span ><br /></span></section><section ><span style="color: rgb(33, 89, 103)">二、</span></section><section ><br /></section><section ><span >接着就是重点环节了，看收益。</span></section><section ><span ></span></section><section ><span ><br /></span></section><section ><span >这里我们以40岁女性，年交10万，交5年为例，看看不同领取时间下的回报。</span><span ></span></section><section ><br /></section><p ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTO2mdnO5on7k31iccWfSdOWcDcFI0ia3qbJLiaXvUwiczuT71wGHZcX8DvTPmobadnKia9OvtKibCdghBmA%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTO2mdnO5on7k31iccWfSdOWcDcFI0ia3qbJLiaXvUwiczuT71wGHZcX8DvTPmobadnKia9OvtKibCdghBmA/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></p><section ><br /></section><section ><span >经测算，回报跟<span >性别、</span>年龄、缴费期息息相关。</span></section><section ><span ><br /></span></section><section ><span >性别没啥说的，大多年金险都是男性买回报更高，平均寿命这块没女性长。</span></section><section ><span ><br /></span></section><section ><span >年龄和缴费期这块，大家慧选C款都是，年龄大些、缴费期长些，回报会高一点。</span></section><section ><span ><br /></span></section><section ><span >如上图的例子，55岁、60</span><span >岁、65岁领取的满期回报分别是3.30%、<span >3</span><span >.</span><span >5</span><span >1%、3.75%</span>；</span></section><section ><span ><br /></span></section><section ><strong><span >不过</span></strong><span ><strong>结合实际来看，大家慧选C款选择60岁领取算是个合适的时间。</strong><br /></span></section><section ><span ><br /></span></section><section ><span >更短的话，相比其他储蓄险没有拉开太大差距；</span></section><section ><span ><br /></span></section><section ><span >更长的话，领取结束的时间太晚了，像70岁领，结束都90岁了。<br /></span></section><section ><span ><br /></span></section><section ><span >这时我们再回头</span><span >看看数据，</span></section><section ><br /></section><section ><span >40岁买，80岁结束，期间40年，回报率是3.51%，</span></section><section ><span ><br /></span></section><section ><strong><span >市面有40年确定达到这个回报的产品吗？答案是没有。</span></strong><span ></span></section><section ><br /></section><section ><span >即便是另一类爆款储蓄险增额寿，也不可能有这么多，我们可以看下大家慧选C款和市面某top级增额寿的对比。</span></section><section ><span ><br /></span></section><section ><span >增额寿我们在60岁时，每年按大家慧选C款的年金减保。</span></section><section ><br /></section><p ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTO2mdnO5on7k31iccWfSdOWcHG7ZIDxrTJuxrqctPic6T3ZRMhG4EceCtibNgQ70S6UicKoAdxLCJZ0FQ%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTO2mdnO5on7k31iccWfSdOWcHG7ZIDxrTJuxrqctPic6T3ZRMhG4EceCtibNgQ70S6UicKoAdxLCJZ0FQ/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></p><section ><br /></section><section ><span >到80岁时，大家慧选C款的满期金时62.8万，</span><span >而增额寿</span><span >现金价值仅</span><span >剩</span><span >34</span><span >.3万</span><span >；</span></section><section ><span ><br /></span></section><section ><span >回报相差近30万！</span></section><section ><br /></section><section ><strong><span >如果</span><span >增额寿不行，其他养老金同期能打大家慧选C款吗？</span></strong><span ></span></section><section ><span ><br /></span></section><section ><span >遗憾的是，同样没有。</span></section><section ><span ><br /></span></section><section ><span ><span >定期养老金就不说了，在大家慧选C款上线前，几乎没一个好的；</span></span></section><section ><span ><br /></span></section><section ><span ><span >终身</span><span >养老金，</span>市面好一点的同期回报才刚到3%，这段时间大火的顶级年金鑫禧年年系列也只有3.3%左右。</span></section><section ><span ><br /></span></section><section ><span >用“出道即巅峰”来形容大家慧选C款，再合适不过了。</span></section><section ><span ></span></section><section ><br /></section><section ><span ><span style="color: rgb(33, 89, 103)">三、</span></span></section><section ><br /></section><section ><span >再来聊聊为啥开始会提到“<span >中</span><span >年人</span>”的养老金。</span><br /></section><section ><span ><br /></span></section><section ><span ><span >不是年纪小的不适合，回报是一样可观的，推荐给中年人的主要原因是：<strong>时间</strong>。</span></span></section><section ><span ><span ><br /></span></span></section><section ><span ><span >以60岁领取为例，现在买<strong>80岁</strong>就可以满期，全部领完。<br /></span></span></section><section ><span ><span ><br /></span></span></section><section ><span ><span >假设50岁购买，那么大家慧选C款就相当于一份30年的储蓄险了。</span></span></section><section ><span ><span ></span></span></section><section ><br /></section><p ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTO2mdnO5on7k31iccWfSdOWcHjbtru5tpI9jEfPicDmfrWLOSvdOGUJsDjqAT4R4cxxIRzzHRWClahQ%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTO2mdnO5on7k31iccWfSdOWcHjbtru5tpI9jEfPicDmfrWLOSvdOGUJsDjqAT4R4cxxIRzzHRWClahQ/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></p><section ><br /></section><section ><strong><span >持有30年，满期回报同样接近3.5%！</span></strong><span ></span></section><section ><span ><br /></span></section><section ><span >这个数字在当</span><span >前储蓄险，乃至投资市场，都算得上固收类产品的极限。<br /></span></section><section ><br /></section><section ><span >所以年纪越大投保，是越能在“短时间”内获取可观回报的。</span></section><section ><span ><br /></span></section><section ><span >当然，大家慧选C款并非没有缺点。</span></section><section ><span ><br /></span></section><section ><span >有个风险点就是——<strong>身故问题</strong>。</span></section><section ><span ><br /></span></section><section ><span >大家慧选C在领取年金后，身故就按保证领取15年计算了，但年金要20年才能领完。</span></section><section ><span ><br /></span></section><section ><span ><strong>会存在5年的身故“空窗期”，也就是说最后5年是没有身故金的。</strong></span></section><section ><span ><br /></span></section><section ><span >因病身故的话，大家慧选C款还能通过退保拿回一笔现金价值，</span><span >意外身故就没法了。</span><span ></span></section><section ><span ><br /></span></section><section ><span >目前解决思路是搭配一份意外险或小额定期寿险，把最后5年的空窗期补上。<br /></span></section><section ><span ><br /></span></section><section ><span >考虑到大家慧选的高回报，这点额外支出倒也不会影响太多，是个可行的方案。<br /></span></section><section ><span ><br /></span></section><section ><span >另外，也可以让女性作为被保人投保，毕竟平均寿命更长，80岁还是比较简单的。</span></section><p ><br /></p><section ><strong><span >总的来说，</span></strong><span ></span></section><section ><span ><br /></span></section><section ><span >大家慧选C款，个人认为是当前最好</span><span >的定期年金险了。</span></section><section ><br /></section><section ><span >对于有终身现金流需求的朋友来说可能不太合适，<br /></span></section><section ><br /></section><section ><span >但对于想早点拿完钱，追求极致回报的，几乎是独一无二的产品。</span></section><p ><br /></p><section ><br /></section><section ><strong><em><span style="color: rgb(33, 89, 103)">有问题，可扫描下图二维码咨询我团队的专业规划老师。</span></em></strong><span ></span></section><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FO95eeDepqTOpB6SvNluyC7ibynwMqmmaeYaEESkpsJpZYybXqtHXeYNahSKOQ9dUFW3Eq7ibxWIjmRarPG9x0XKg%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/O95eeDepqTOpB6SvNluyC7ibynwMqmmaeYaEESkpsJpZYybXqtHXeYNahSKOQ9dUFW3Eq7ibxWIjmRarPG9x0XKg/640?wx_fmt=gif" alt="懂保爷测评配图" loading="lazy" /></section><section ><br /></section><section ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247496666&idx=1&sn=6ed587679d0f67d166246df32328798f&chksm=cfb6105af8c1994c727f56db310d5591771ba8c785ba443c7d87651a97d11bbdc79541e162d4&scene=21#wechat_redirect" textvalue="为什么选择懂保爷？" linktype="text" imgurl="" imgdata="null" tab="innerlink" style="color: var(--weui-LINK)"></a></section><section style="text-align: center"><span ><span >— </span><strong >END </strong><span >—</span></span></section><section ></mp-common-profile></section><section style="text-align: left"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FAa1Vn4VNXulDSG3kLWEFl66JYfFHuibDsZwPP3g5romOwOBrEvLdFjc8VUrEoXpQflzzTumnt8dW6vKFReAyKnA%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/Aa1Vn4VNXulDSG3kLWEFl66JYfFHuibDsZwPP3g5romOwOBrEvLdFjc8VUrEoXpQflzzTumnt8dW6vKFReAyKnA/640?wx_fmt=gif" alt="懂保爷测评配图" loading="lazy" /><span > <span style="color: rgb(136, 136, 136)">点击阅读原文，查看</span><span style="color: rgb(33, 89, 103)">懂保爷严选【理财、养老、保障】产品汇总</span></span></section><section label="Powered by 135editor.com" ><section ><br /></section><section style="text-align: right"><section ><p style="text-align: center; color: rgb(63, 62, 63)"><span >如有帮助，帮忙点个<span style="color: rgb(33, 89, 103)"><strong >在看</strong></span></span><span style="color: rgb(0, 0, 0)">吧</span><span >，谢谢！</span></p></section></section></section><p ></mp-style-type></p>
