补足最后一根短板，超优质理财险「增多多2号」来了！

<section style="text-align: center"><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&amp;mid=2447790313&amp;idx=2&amp;sn=55e0cf403a3327c58f7dfcc77ea888c8&amp;chksm=b2b077ab85c7febda44a18349455223c46e61a6d8082f6f51e7dcbb9a81e93eba23d8e4d1845&amp;scene=21#wechat_redirect" textvalue="你已选中了添加链接的内容" tab="innerlink"><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FO95eeDepqTPX79HzDmJaNiaohKhfEd58OyNiaYMgkTbhIYibMqF8dPd3dMjpCw5Bx5y0T0fEM018XERdfJVibSPG0w%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/O95eeDepqTPX79HzDmJaNiaohKhfEd58OyNiaYMgkTbhIYibMqF8dPd3dMjpCw5Bx5y0T0fEM018XERdfJVibSPG0w/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></span></a></section><p style="text-align: center"><span style="color: rgb(136, 136, 136); text-align: center">点上方图片看看【封面图的故事】</span></p><section ><span ><br /></span></section><section ><span >说起和泰人寿承保的<strong>增多多</strong>，大家应该不陌生，</span></section><section ><span ><br /></span></section><section ><span >毕竟上线近1年还能占据某险种第一梯队的产品太少了。</span></section><section ><br /></section><section ><span ><span >可随着理财险推陈出新，增多多的收益确实渐渐成了短板</span>。</span></section><section ><span ><br /></span></section><section ><span >今年来，<strong>金满意足（臻享版）、利久久</strong>等产品的<span >“<span >强势</span>”</span>使得增多多一度被压制，<br /></span></section><section ><span ><br /></span></section><section ><span >好在和泰也不愿屈居人下，</span><span >终于在近期上线了增多多升级款——「<strong>增多多2号</strong>」。</span></section><section ><br /></section><section ><span >今天我们就来一起看下。</span></section><section ><br /></section><section ><span ><section ><section style="text-align: left"><section ><section style="color: rgb(50, 135, 156)"><section style="text-align: center"><span style="color: rgb(33, 89, 103)"><strong >一、增额寿险科普</strong></span></section></section></section></section></section></span></section><section ><br /></section><section ><span >先简单说下近两年因利率下行而一举成名的<strong>增额寿险</strong>。<br /></span></section><section ><span ><br /></span></section><section ><span >对这类新物种还不熟悉的朋友，可以把投保增额寿险理解为在保险公司办了一张高收益的“银行卡”。</span><strong ></strong></section><section ><br /></section><section ><span >保单的现金价值就是“银行卡的余额”，<strong >这个余额能以3.5%终身复利递增！</strong></span></section><section ><span ><strong ><br /></strong></span></section><section ><span >相比之下，目前银行最高定存利率都不会超过这个值，而且还是单利。</span><span ><strong ><span style="color: rgb(136, 136, 136)"></span></strong></span></section><section ><br /></section><section ><span >想用钱了，就从“银行卡”里<strong>随时取钱</strong>出来花就行</span><span style="color: rgb(136, 136, 136)">（取部分或全取都行）</span><span >，</span></section><section ><span ><br /></span></section><section ><span >看收益不错，也能继续向卡里投点，都<span >没有手续费</span>。</span></section><section ><br /></section><section ><span style="color: rgb(136, 136, 136)">取钱、追加的操作在增额终身寿险上叫减保、加保。</span></section><section ><span ><br /></span></section><section ><span >这就是一个现金池，用来干啥都行，非常灵活。</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(136, 136, 136)">具体产品逻辑就不赘述了，大家可以好好复习下这篇：<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&amp;mid=2247491024&amp;idx=2&amp;sn=f8840886f83cd0ef27ee0362de0a0b70&amp;chksm=cfb5fe50f8c2774637c8fc7aa2dd8ee076b91f82b58d46e46c6e7a68b817542fa5e573eb32d1&amp;scene=21#wechat_redirect" tab="innerlink">谈谈投资理财险：了解这些，谁都忽悠不了你！</a></span></section><section ><span ><br /></span></section><section ><span >言归正传，下面接着说<strong>增多多2号</strong>。</span></section><section ><br /></section><section ><span ><section ><section style="text-align: left"><section ><section style="color: rgb(50, 135, 156)"><section style="text-align: center"><span style="color: rgb(33, 89, 103)"><strong >二、增多多2号产品详情</strong></span></section></section></section></section></section></span></section><section ><span ><br /></span></section><section ><span >产品形态这块，当前增额寿险都相差不大，我们看图：</span></section><section ><span ><br /></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTOojoueZZZL89tClDLufCBN4kuQORxLgWGhosyk4xQPLRBCSpcibJmWykYZXqIZddzoAicicrcbgOfpQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTOojoueZZZL89tClDLufCBN4kuQORxLgWGhosyk4xQPLRBCSpcibJmWykYZXqIZddzoAicicrcbgOfpQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><br /></section><section ><span >我之前说过，增额寿险本质是：<span >“披着寿险外衣的理财险”</span>。</span></section><section ><br /></section><section ><span >寿险责任（即身故保障）虽有，但前中期与正常寿险相比几乎没有杠杆。</span></section><section ><span ><br /></span></section><section ><span >因此我们就不能过多关注它的身故责任了，</span><strong ><span >这也不重要。</span></strong></section><section ><strong ><span ><br /></span></strong></section><section ><span >重点关注它的<strong>加保</strong>（存钱）、<strong>减保</strong>（取钱）规则就行。<br /></span></section><section ><span ><br /></span></section><section ><span >好在增多多2号足够给力，加/减保规则非常完善，基本不限金额不限次数，少有限制。</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(136, 136, 136)">例如有些产品<span style="color: rgb(136, 136, 136)">“<span style="color: rgb(136, 136, 136)">停售后不可加保</span>”，增多多2号就没有这类限制。</span></span></section><section ><span ><br /></span></section><section ><span style="color: rgb(136, 136, 136)">这样投保增多多2号后，哪怕利率继续下行也不用慌，我们还能继续向增多多2号里面存。</span></section><section ><br /></section><section ><span style="color: rgb(136, 136, 136)">即便进入负利率时代了，继续存的钱还是以3.5%复利增长。</span></section><section ><br /></section><section ><span >了解这些后，我们再看看「增多多2号」这款产品的<strong>收益</strong>，以及与同类产品相比有没有优势。</span></section><section ><br /></section><section ><span ><section ><section style="text-align: left"><section ><section style="color: rgb(50, 135, 156)"><section style="text-align: center"><span style="color: rgb(33, 89, 103)"><strong >三、增多多2号收益如何</strong></span></section></section></section></section></section></span></section><section ><span ><br /></span></section><section ><span >下面我们直接把增多多2号和<strong>当前收益第一梯队</strong>的<strong>利久久</strong>、弘康三剑客（<strong>金满意足臻享版/利多多/金满满</strong>）做对比。</span></section><section ><span ><br /></span></section><section ><span >由于增额寿险这类理财险收益与我们的缴费方式息息相关，</span></section><section ><span ><br /></span></section><section ><span >我们按<strong>趸交</strong>（即一次交完）、<strong>5年交</strong>、<strong>10年交</strong>、<strong>20年交</strong>分别对比：</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(136, 136, 136)">（以40岁男性，总投入20万为例）</span></section><section ><span style="color: rgb(136, 136, 136)"><br /></span></section><section ><span ><strong><span style="color: rgb(33, 89, 103)">1、趸交</span></strong></span></section><section ><span ><br /></span></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTOojoueZZZL89tClDLufCBNvaXetEGm0iaflY7R5FtTnksZakHs7XWiaUWVdkWb4a8PcPqZQaUhwOQg%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTOojoueZZZL89tClDLufCBNvaXetEGm0iaflY7R5FtTnksZakHs7XWiaUWVdkWb4a8PcPqZQaUhwOQg/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section style="text-align: center"><span style="color: rgb(136, 136, 136)">标红<span >数字代表同期哪款收益最高，下同</span></span><br /></section><section ><br /></section><section ><span >这是40岁男性，趸交20万的情况下，几款产品的现金价值对比。</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(33, 89, 103)">就回本速度来看，</span></section><section ><span ><br /></span></section><section ><span >趸交情况下，利多多、金满满第4年就能回本，包括增多多2号在内的其他产品回本都在第5-7年。</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(33, 89, 103)">就收益来看，</span></section><section ><span ><br /></span></section><section ><span ><span >最老的增多多咱就不看了，其他几款</span></span><span ></span><span >前中期收益互有优劣，</span></section><section ><span ><br /></span></section><section ><span >后期收益<strong>利久久</strong>相对高一点，但高得有限，没有拉出差距。</span><span ></span></section><section ><br /></section><section ><strong ><span style="color: rgb(33, 89, 103)">2、五年交</span></strong></section><section ><strong><span style="color: rgb(33, 89, 103)"><br /></span></strong></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTOojoueZZZL89tClDLufCBNPtJ4GXh80PYDZJwTvTtn8KMk5EuyH2I7FkZ2UAwxu1mYTAtGKZxNEA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTOojoueZZZL89tClDLufCBNPtJ4GXh80PYDZJwTvTtn8KMk5EuyH2I7FkZ2UAwxu1mYTAtGKZxNEA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section ><br /></section><section ><span >这是40岁男性，5年交，每年交4万的情况下，几款产品的现金价值对比。</span></section><section ><br /></section><section ><span style="color: rgb(33, 89, 103)">就回本速度来看，</span></section><section ><br /></section><section ><span >这次几款回本速度都差不多，陆续在第5-7年回本。</span></section><section ><br /></section><section ><span style="color: rgb(33, 89, 103)">就收益来看，</span></section><section ><br /></section><section ><span >缴费期不算，除了少数几年金满意足较高，整体收益<strong>利久久</strong></span><span >依旧最强。</span></section><section ><span ><br /></span></section><section ><span >当然，还是强的有限，即便到了100岁，收益也仅多出2000元左右，相比百万的基数，可以忽略不计。</span></section><section ><strong><span style="color: rgb(33, 89, 103)"><br /></span></strong></section><section ><strong><span style="color: rgb(33, 89, 103)"><strong ><span >3、十年交</span></strong></span></strong></section><section ><strong><span style="color: rgb(33, 89, 103)"><br /></span></strong></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTOojoueZZZL89tClDLufCBNM1oYzlxteJx51435CL3YA7icJKEZZkPbUvutIaBbdmhRvxQJIB4rZGA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTOojoueZZZL89tClDLufCBNM1oYzlxteJx51435CL3YA7icJKEZZkPbUvutIaBbdmhRvxQJIB4rZGA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section ><br /></section><section ><span >这是40岁男性，10年交，每年交2万的情况下，几款产品的现金价值对比。</span></section><section ><br /></section><section ><strong><span >基本等同于上面的5年交收益结果。<br /></span></strong></section><section ><br /></section><section ><br /></section><section ><strong><span style="color: rgb(33, 89, 103)"><strong ><span >4、二十年交</span></strong></span></strong></section><section ><strong><span style="color: rgb(33, 89, 103)"><br /></span></strong></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTOojoueZZZL89tClDLufCBNlmjgOBwyIUC9jatld3KA6cw9l8PWDWdccZ8d18EeY46TibexY5mFsTA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTOojoueZZZL89tClDLufCBNlmjgOBwyIUC9jatld3KA6cw9l8PWDWdccZ8d18EeY46TibexY5mFsTA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section ><br /></section><section ><span >这是40岁男性，20年交，每年交1万的情况下，几款产品的现金价值对比。</span></section><section ><br /></section><section ><span style="color: rgb(33, 89, 103)">回本速度大家都一样，</span><span style="color: rgb(33, 89, 103)">收益的话：</span></section><section ><br /></section><section ><span >缴费期收益不看，中期收益是<strong>金满意足臻享版最高。</strong></span></section><section ><br /></section><section ><span >后期收益不出所料还是<strong >利久久</strong>以微弱优势胜出。</span></section><section ><br /></section><section ><span style="color: rgb(33, 89, 103)"><strong><span >综上：</span></strong></span></section><section ><br /></section><section ><span >增多多2号这波升级很有诚意了，相较收益落伍的老版增多多，</span></section><section ><span ><br /></span></section><section ><span >已经能和最好的一批产品（利久久、弘康三剑客）打擂台了。</span></section><section ><span ><br /></span></section><section ><span >且都属于<strong>同一收益梯队</strong>，收益基本没差。</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(136, 136, 136)">之前老版增多多最大的缺点就是收益跟不上队，现在增多多2号终于赶上了</span><span >。</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(33, 89, 103)"><strong>那这几款产品怎么选呢？</strong></span></section><section ><span ><br /></span></section><section ><span >毕竟增多多2号、利久久、弘康三剑客的收益非常接近。<br /></span></section><section ><br /></section><section ><span >我的建议有2个：<strong><a href="" href="">增多多2号</a>、利久久</strong>。</span></section><section ><span ><br /></span></section><section ><span >因为弘康三剑客<span >（</span>金满意足臻享版/利多多/金满满<span >）</span>有个共同的缺陷：<strong>停售后不可加保</strong>。</span></section><section ><span ><br /></span></section><section ><span >像我们前面说的，投保增额寿险相当于办了张银行卡，</span></section><section ><span ><br /></span></section><section ><span >结果停售后，我们的银行卡就只能取钱、不能存钱了，影响还是很大的。</span></section><section ><span ><br /></span></section><section ><span >这点在利率下行至负利率时尤为明显，到时有个3.5%的增值账户就显得异常珍贵了。</span></section><section ><span ><br /></span></section><section ><strong><span >所以目前想买增额寿险的话，建议考虑增多多2号和利久久即可。<br /></span></strong></section><section ><span ><br /></span></section><section ><span style="color: rgb(136, 136, 136)">至于这2款具体选哪个，得看个人喜好了，像</span><span style="color: rgb(136, 136, 136)">我就</span><span style="color: rgb(136, 136, 136)">比较倾</span><span style="color: rgb(136, 136, 136)">向增多多2号。</span></section><section ><span style="color: rgb(136, 136, 136)"><br /></span></section><section ><span style="color: rgb(136, 136, 136)">「</span><span style="color: rgb(136, 136, 136)">增多</span><span style="color: rgb(136, 136, 136)">多</span><span style="color: rgb(136, 136, 136)">」</span><span style="color: rgb(136, 136, 136)">是个成熟的</span><span style="color: rgb(136, 136, 136)">IP</span><span style="color: rgb(136, 136, 136)">，</span><span style="color: rgb(136, 136, 136)">旧</span><span style="color: rgb(136, 136, 136)">版</span><span style="color: rgb(136, 136, 136)">增</span><span style="color: rgb(136, 136, 136)">多多</span><span style="color: rgb(136, 136, 136)">也</span><span style="color: rgb(136, 136, 136)">是</span><span style="color: rgb(136, 136, 136)">一款口碑</span><span style="color: rgb(136, 136, 136)">非常好</span><span style="color: rgb(136, 136, 136)">的产品</span><span style="color: rgb(136, 136, 136)">，之前就买过，<span style="color: rgb(136, 136, 136)">比较有好感</span></span><span style="color: rgb(136, 136, 136)">。</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(33, 89, 103)">「增多多2号」投保入口：<a href="" href="">增多多2号</a></span></section><section style="text-align: center"><span style="color: rgb(136, 136, 136)"><br /></span></section><section ><span style="color: rgb(33, 89, 103)">「利久久」投保入口：</span></section><section ><br /></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FO95eeDepqTOojoueZZZL89tClDLufCBNmO1pKYwGibA4KESSZ2ZV2icHehB34y7Y289LPOeqicB8HwhBdiaibufPzwA%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/O95eeDepqTOojoueZZZL89tClDLufCBNmO1pKYwGibA4KESSZ2ZV2icHehB34y7Y289LPOeqicB8HwhBdiaibufPzwA/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></p><section style="text-align: center"><span style="color: rgb(136, 136, 136)">长按识别上方二维码，投保利久久</span></section><section ><br /></section><section ><strong style="color: rgb(0, 0, 0)"><span ><strong ><span style="text-align: start">有任何疑问可加我助手微信</span></strong>：dongbaoye888</span></strong></section><section ><br /></section><section ><span style="color: rgb(0, 0, 0)"><strong ><span >或点击下方</span></strong></span><span ><span style="color: rgb(33, 89, 103)"><strong ><span >公众号“免费咨询”菜单</span></strong></span><span style="color: rgb(0, 0, 0)"><strong ><span >找我团队专业保险规划老师帮你解决。</span></strong></span></span></section><section></mpprofile></section><section ><span style="color: rgb(0, 0, 0)">相关阅读：</span></section><section ><br /></section><section ><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&amp;mid=2447793852&amp;idx=1&amp;sn=59351b91c0db7d1d0fb43f918f598f40&amp;chksm=b2b079fe85c7f0e8434b36e71c12a875bba43aa4cbcbc58f8303a310b3fb9d66d3d000173a3c&amp;scene=21#wechat_redirect" tab="innerlink">谈谈储蓄理财险：了解这些，谁都忽悠不了你！</a></span></section><section style="text-align: center"><br /></section><section style="text-align: center"><span ><span >—&nbsp;</span><strong >END&nbsp;</strong><span >—</span></span></section><section style="text-align: center"><span style="color: rgb(0, 0, 0)"><strong >愿你家的保单永不出险！</strong></span></section><section style="text-align: center"><br /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FO95eeDepqTPX79HzDmJaNiaohKhfEd58Ok6mcU6JsZickVx1UkAibENclTVHm5e91NUUMib6W0qz9oPUWKFgyR3uYA%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/O95eeDepqTPX79HzDmJaNiaohKhfEd58Ok6mcU6JsZickVx1UkAibENclTVHm5e91NUUMib6W0qz9oPUWKFgyR3uYA/640?wx_fmt=gif" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center"><br /></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 >&nbsp; &nbsp;&nbsp;<span style="color: rgb(136, 136, 136)">点击阅读原文，查看</span><span style="color: rgb(33, 89, 103)">保爷精选保险</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>