新出的养老金大富翁7.0：领得多，现价高，还能减保！我建议重点看看

值得认真研究一下

作者：丽丽 · 发布于 2026-10-16 · 约 4 分钟读完

<section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvRMRQ8Ot4BB9nrCw1EicbYY3lJMPC5n8NEwOm04yG4OtkRLNkOJZSCeey71IM1UpXswicff1otoiaAJg%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26tp%3Dwebp%23imgIndex%3D0" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvRMRQ8Ot4BB9nrCw1EicbYY3lJMPC5n8NEwOm04yG4OtkRLNkOJZSCeey71IM1UpXswicff1otoiaAJg/640?wx_fmt=png&from=appmsg&wxfrom=5&wx_lazy=1&tp=webp#imgIndex=0" data-w="1080" data-ratio="0.30833333333333335" alt="懂保爷测评配图" loading="lazy" /></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span style="color: rgba(0, 0, 0, 0.9)"><span text >Hey，大家好，我是懂保爷资深产品测评师丽丽～</span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXO07Eoicia7MUib7fmcTY1WEqnFZcGT9vw1GwNqhgRQoiaMBTstnSVGVejpknTpEnuUXzEWBc1tMUGmhFz2tFPdbIX5USgdgt4kepk%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXO07Eoicia7MUib7fmcTY1WEqnFZcGT9vw1GwNqhgRQoiaMBTstnSVGVejpknTpEnuUXzEWBc1tMUGmhFz2tFPdbIX5USgdgt4kepk/640?wx_fmt=png&from=appmsg" data-w="1080" data-ratio="0.7712962962962963" alt="懂保爷测评配图" loading="lazy" /></span></span></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >最近富德生命上了一款新的固收养老年金，叫</span><span text >大富翁7.0</span><span text >。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >我看完之后的第一感觉是：这产品有点意思，值得拿出来跟大家聊聊。</span></span></p><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span style="color: rgba(0, 0, 0, 0.9)"><span text >有意思的点在于，除了终身现金流以外，</span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span style="color: rgba(0, 0, 0, 0.9)"><span text >它还解决了很多人买养老金比较纠结的一件事：</span><span text >灵活性</span><span text >。</span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span style="color: rgba(0, 0, 0, 0.9)"><span text >一起来看看。</span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span style="color: rgba(0, 0, 0, 0.9)"><br /></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(64, 34, 15)">一</span></span></section><h2 style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >先看领钱：每年67600，全场第二</span></span></h2><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >毕竟是养老金，先还是看大家最关心的，每年领多少钱。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >我统一按照</span></span><span><span style="color:rgba(0, 0, 0, 0.9)"><span text >40岁女性，趸交100万，60岁开始</span><span text >领为例，把</span></span><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span text >大富翁</span></span><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span text >7.0和</span></span><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span text >市面上几款热门养老金做了对比：</span></span></span></section><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXO07Eoicia7MUib7fmcTY1WEqnFZcGT9vw1GwNqhgRQoiaMBTstnSVGVejpknTpEnuUXzEWBc1tMUGmhFz2tFPdbIX5USgdgt4kepk%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXO07Eoicia7MUib7fmcTY1WEqnFZcGT9vw1GwNqhgRQoiaMBTstnSVGVejpknTpEnuUXzEWBc1tMUGmhFz2tFPdbIX5USgdgt4kepk/640?wx_fmt=png&from=appmsg" data-w="1080" data-ratio="0.7712962962962963" alt="懂保爷测评配图" loading="lazy" /></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >大富翁7.0每年能领</span><span text style="color: rgb(235, 201, 0)">67600元</span><span text >，一直领到105岁。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >这个水平什么位置？</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >放到同类固收养老金里，它是全场第二。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >第一是海保的福瑞未来2026，每年领</span><span text style="color: rgb(235, 201, 0)">73000元</span><span text >，比</span></span><span style="color: rgba(0, 0, 0, 0.9)"><span text >大富翁7.0多5000多，</span></span><span style="color: rgba(0, 0, 0, 0.9)"><span text >但它有个硬门槛——</span><span text >只能深圳地区投保</span><span text >，其他城市的朋友想买也买不了。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >所以对绝大多数人来说，大富翁7.0，就是实际能买到的天花板。</span></span></p><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span><span style="color:rgba(0, 0, 0, 0.9)"><span text >这里顺便提一句同方全球的</span><span text >臻享年年2026</span><span text >，它是"前高后低"模式，80岁之前每年能领</span><span text style="color: rgb(235, 201, 0)">80500元</span><span text >，看着很高，但80岁开始一下子掉到</span><span text style="color: rgb(235, 201, 0)">16100</span><span text >，落差太大了。</span></span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span><span style="color: rgba(0, 0, 0, 0.9)"><span text >按我们现在的平均寿命，活到80岁以上是很大概率的事。</span></span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span><span style="color: rgba(0, 0, 0, 0.9)"><span text >这类产品就适合特别认可这种结构的朋友，我不做推荐，养老年金，我更希望大家一辈子稳稳地领下去。</span></span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span><span style="color: rgba(0, 0, 0, 0.9)"><br /></span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(64, 34, 15)">二</span></span></section><h2 style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >真正的强项：高现价，且支持减保</span></span></h2><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >除了领的钱多以外，</span></span><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><br /></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span text >大富翁7.0的现金价值整体也更高，尤其是前20年，也就是还没领钱的时候，现价的爬升非常漂亮。</span></span></section><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXNqfQD5picbqDHSvrlM4mKalgzVP5UCY5wxPqgmiaro7zx9V8awnM8nJLMic0uDMrRtKr2gViay53tembhltXGT09K7qIe7iapas4M0%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXNqfQD5picbqDHSvrlM4mKalgzVP5UCY5wxPqgmiaro7zx9V8awnM8nJLMic0uDMrRtKr2gViay53tembhltXGT09K7qIe7iapas4M0/640?wx_fmt=png&from=appmsg" data-w="1080" data-ratio="0.45555555555555555" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span text >第5年就已经超过100万本金，现价108.11万，也就是说，交完钱第五年，账户里的钱就比投进去的还多了。</span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span text >我们再看一下IRR：</span></span></section><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXNuUXKo1RJc2IA8YjPh7KficXZJTwE5dfUIB4vLLnGE4iaGTxzAicW1yxOgH5lnL6pI85VWT1ffVk3suf0fSwJ5KTelvGDT3dKL3E%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXNuUXKo1RJc2IA8YjPh7KficXZJTwE5dfUIB4vLLnGE4iaGTxzAicW1yxOgH5lnL6pI85VWT1ffVk3suf0fSwJ5KTelvGDT3dKL3E/640?wx_fmt=png&from=appmsg" data-w="1080" data-ratio="0.7379629629629629" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span text >5年就能到</span><span text style="color: rgb(235, 201, 0)">1.57%</span><span text >，10年</span><span text style="color: rgb(235, 201, 0)">1.79%</span><span text >，</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span text >在这几款产品里，可以说是碾压的存在。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span text >另外，算成单利的话，第五年是</span></span><span><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">1.62%</span><span text >，比现在6大行的5年期存款利率也高多了。</span></span></span></section><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXNh9wOtguiaZgt2qmOuMfOH75ibLKgoCOoAtNgeuicoH0MgTicKMGMgibglNyRvVozhTVwEyv70hMtBIskVq1t7G3b74uYYMUGvRKNM%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXNh9wOtguiaZgt2qmOuMfOH75ibLKgoCOoAtNgeuicoH0MgTicKMGMgibglNyRvVozhTVwEyv70hMtBIskVq1t7G3b74uYYMUGvRKNM/640?wx_fmt=png&from=appmsg" data-w="1080" data-ratio="0.47962962962962963" alt="懂保爷测评配图" loading="lazy" /></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="text-align:justify; color:rgba(0, 0, 0, 0.9)"><span text >看到这儿你可能会问：</span><span text >我又不退保，养老金也不能减保，又不能拿出来用，现价高低跟我有什么关系？</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span text >这话放在传统养老金身上，确实是成立的。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span text >但大富翁7.0，直接把这条限制打破了——</span></span><strong><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span text >它</span><span text >支持减保</span><span text >。</span></span></strong></p><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXODLpg1TGjciarS4ywRhic7icj6sQ0DwodK8K1iaLlJMeDyAJibAsbWibibM2p4WElHdWh0XDwaC4BzibGJJmicbvnISSMJ0diaiadRkxB3yI%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXODLpg1TGjciarS4ywRhic7icj6sQ0DwodK8K1iaLlJMeDyAJibAsbWibibM2p4WElHdWh0XDwaC4BzibGJJmicbvnISSMJ0diaiadRkxB3yI/640?wx_fmt=png&from=appmsg" data-w="1080" data-ratio="0.5277777777777778" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span text >说白了就是：</span></span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span text >账户里的现金价值，你可以按规则申请取一部分出来用</span><span text >。</span></span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span text >如果你买的早，比如说30、40岁就买了，要等到60岁才能领养老金。</span></span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span text >这中间的20、30年正是</span></span><span style="text-align:justify; color:rgba(0, 0, 0, 0.9)"><span style="text-align:justify; color:rgba(0, 0, 0, 0.9)"><span text >它现金价值最高的时候，</span><span text >万一急用钱，你可以减保取一部分出来，剩下的继续留着养老</span><span text >。</span></span></span></span></span><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><br /></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span text >既锁得住长期收益，又留着中途的灵活性，这种"两头都要"的产品，市面上真的不多。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><br /></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(64, 34, 15)">三</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >总结一下</span></span></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span text >综合来看，我觉得大富翁7.0有两个比较突出的优势：</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="text-align:justify; color:rgba(0, 0, 0, 0.9)"><span text >第一，养老金</span><span text >领取水平</span><span text >很有竞争力。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="text-align:justify; color:rgba(0, 0, 0, 0.9)"><span text >第二，</span><span text >前期现金价值高，而且支持减保</span><span text >。相比只能按照固定节奏领取的传统养老年金险，它给资金使用增加了一定的灵活性。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span text >如果你正在考虑给自己补充一份商业养老金，希望未来有一笔稳定的养老现金流，同时又不想把资金完全锁死几十年，那么大富翁7.0确实值得认真研究一下。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span text >不过，具体能领多少、减保后会有什么变化，还是要结合年龄、缴费方式和实际投保方案来测算。</span></span></p><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span text >有需要的话，扫码我帮你测算一下。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><br /></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: center"><span ><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXOmVRTPZBNd1cLef0F8xds3a7arrONNgE54neljXiabmhDrib5kic68LQ4B0Gu0NEot9NDNhCsVIxfm4c4B7Hpe8tarH6PuSdibVSQ%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26tp%3Dwebp%23imgIndex%3D5" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXOmVRTPZBNd1cLef0F8xds3a7arrONNgE54neljXiabmhDrib5kic68LQ4B0Gu0NEot9NDNhCsVIxfm4c4B7Hpe8tarH6PuSdibVSQ/640?wx_fmt=png&from=appmsg&wxfrom=5&wx_lazy=1&tp=webp#imgIndex=5" data-w="796" data-ratio="0.9208542713567839" alt="懂保爷测评配图" loading="lazy" /></span></span></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><br /></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)">另外，我打包了我们认为从0到1理解保险，打破信息差，我们每个人需要全面知道的四项内容给大家：</span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >第1-市场上最热的</span></span><span ><span text >「固收养老金」</span></span><span ><span text >产品测评表</span></span></p><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXOeQbsTVpg8kBV6UXDibh1cql22QRXslBUoymIzdGQJw4JGKvYGjBD68SHFaFdhTLxcAPhdPtwz7QPXZUHY5wV1fOPibVCtRaDcs%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXOeQbsTVpg8kBV6UXDibh1cql22QRXslBUoymIzdGQJw4JGKvYGjBD68SHFaFdhTLxcAPhdPtwz7QPXZUHY5wV1fOPibVCtRaDcs/640?wx_fmt=png&from=appmsg" data-w="1080" data-ratio="0.7712962962962963" alt="懂保爷测评配图" loading="lazy" /></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >第2-</span></span><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span >最新更新的2类7大保险榜单</span></span><span ><br /></span></p><section nodeleaf="" style="color: rgba(0, 0, 0, 0.9); text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXObK8kOcEibfaW7o0Xm9KVF5Z5L3LdxRNSJicsomDyU8IOrzFL1UcPUW3zgxSNt57nu8lPLFQJ25dj2Wj0YEdj1oAazOtNoxUHjM%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26tp%3Dwebp%23imgIndex%3D8" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXObK8kOcEibfaW7o0Xm9KVF5Z5L3LdxRNSJicsomDyU8IOrzFL1UcPUW3zgxSNt57nu8lPLFQJ25dj2Wj0YEdj1oAazOtNoxUHjM/640?wx_fmt=png&from=appmsg&wxfrom=5&wx_lazy=1&tp=webp#imgIndex=8" data-w="1080" data-ratio="2.4546296296296295" alt="懂保爷测评配图" loading="lazy" /></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >第3-我们懂保爷首创的极简养老规划指南</span></span></p><section nodeleaf="" style="color: rgba(0, 0, 0, 0.9); text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXOXQ1Zl2Yuer2Z4BXzfKnYhibboZbibfWyT6S4xkYjEOpkQQrNQkWnEwibsjmlKqfticTcH0aLia4sG9N8XR7f8gcgXiadGULWyPdoJU%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26tp%3Dwebp%23imgIndex%3D10" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXOXQ1Zl2Yuer2Z4BXzfKnYhibboZbibfWyT6S4xkYjEOpkQQrNQkWnEwibsjmlKqfticTcH0aLia4sG9N8XR7f8gcgXiadGULWyPdoJU/640?wx_fmt=png&from=appmsg&wxfrom=5&wx_lazy=1&tp=webp#imgIndex=10" data-w="1080" data-ratio="4.497222222222222" alt="懂保爷测评配图" loading="lazy" /></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >第4-每个家庭到底要买什么保险1对1深度讲解</span></span></p><section nodeleaf="" style="color: rgba(0, 0, 0, 0.9); text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXNu3bgDO3x3AHV75XAZNBtu6Akyu5EG92v4slIAE4F1w0Pf61Am2HEsY1uKzCQZYfRV42QgFJrByIVNX3DyK2pnvN1z55ibpILA%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26tp%3Dwebp%23imgIndex%3D11" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXNu3bgDO3x3AHV75XAZNBtu6Akyu5EG92v4slIAE4F1w0Pf61Am2HEsY1uKzCQZYfRV42QgFJrByIVNX3DyK2pnvN1z55ibpILA/640?wx_fmt=png&from=appmsg&wxfrom=5&wx_lazy=1&tp=webp#imgIndex=11" data-w="1080" data-ratio="1.5083333333333333" alt="懂保爷测评配图" loading="lazy" /></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >扫码就能领取，我们一一发给大家。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><br /></span></p><section nodeleaf="" style="color: rgba(0, 0, 0, 0.9); text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXOiciaKOQNW6lr0g6ibibFtmcnqPzGgBzHLIh6hz1uTiarcEYZKBvwGzrBGgfzwEtiawGRBeS9t2nfGb6AT4cibuu64dPLcmKbByKuva4%2F640%3Fwx_fmt%3Dother%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26tp%3Dwebp%23imgIndex%3D9" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXOiciaKOQNW6lr0g6ibibFtmcnqPzGgBzHLIh6hz1uTiarcEYZKBvwGzrBGgfzwEtiawGRBeS9t2nfGb6AT4cibuu64dPLcmKbByKuva4/640?wx_fmt=other&from=appmsg&wxfrom=5&wx_lazy=1&tp=webp#imgIndex=9" data-w="796" data-ratio="0.9208542713567839" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgba(0, 0, 0, 0.9); 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text-align: justify"><span ><br /></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: left"><span ><span text >点击“阅读原文”进入「保险商城」</span></span></section><p ></mp-style-type></p>

本文为懂保爷原创保险知识科普，不构成投保建议。具体保险责任与理赔条件以保险公司正式条款和保险合同为准。

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