钱存进增额寿，未来怎么拿出来？

<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%2FO95eeDepqTN2TKobFnvEDStdliacCicw1TlwUs1MhYrM82iaDdwTVJGOk0cYdeJXibngsclYr2DMUD8891hz0BDDuA%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/O95eeDepqTN2TKobFnvEDStdliacCicw1TlwUs1MhYrM82iaDdwTVJGOk0cYdeJXibngsclYr2DMUD8891hz0BDDuA/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></span></a></section><section style="text-align: center"><span style="color: rgb(136, 136, 136)">点上方图片看看【封面图的故事】</span></section><section ><br /></section><p ><span >很多人可能还没意识到，</span></p><p ><span ><br /></span></p><p ><span >增额寿的</span><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&amp;mid=2247493287&amp;idx=1&amp;sn=c67de5048364c763c64d745c8554dcf0&amp;chksm=cfb60527f8c18c3174405593f6d532cb8f83f81e138e62eb17fdfc577bfbda31b5d6fac3c7be&amp;scene=21#wechat_redirect" textvalue="3个挑选标准" linktype="text" imgurl="" imgdata="null" tab="innerlink">3个挑选标准</a></span><span >里，最复杂的并非<strong>实际收益</strong>和<strong>封闭期</strong>，而是明面看不到的<strong>产品功能</strong>。</span><span ></span></p><p ><span ><br /></span></p><p ><span >例如诸多产品功能中，最核心、也是与利益直接相关的<span style="color: rgb(51, 51, 51); text-align: justify">「</span><span style="color: rgb(51, 51, 51); text-align: justify"><strong>减保</strong></span><span style="color: rgb(51, 51, 51); text-align: justify">」，</span></span></p><p ><span ><br /></span></p><p ><span >就不是大家想象的可以随意取钱出来花。</span></p><p ><span ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></span></p><p ><span ><span style="color: rgb(51, 51, 51); text-align: justify">不同增额寿之间，减保的灵活性可能天差地别。</span></span></p><p ><span ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></span></p><p ><br /></p><section ><span style="color: rgb(33, 89, 103); text-align: start">一、</span></section><p ><br style="color: rgb(51, 51, 51); text-align: justify" /></p><p ><strong><span >减保是什么？</span></strong><span ></span></p><p ><span ><br /></span></p><p ><span >要知道，买增额寿就相当于在保险公司开了一个“银行账户”，账户实际收益率为3.5%，终身复利增值。</span></p><p ><span ><br /></span></p><p ><span >减保说白了，就是<strong>取钱</strong>，把增额寿账户里的钱取现出来花，类似余额宝提现。<br /></span></p><p ><span ><br /></span></p><p ><span >举个例子，趸交（一次交清）<strong>30万</strong>，买了xx增额寿，如下：</span></p><p ><span style="text-align: center"><br /></span></p><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTN2TKobFnvEDStdliacCicw1TZskTuVlhFysla4jEia5hRibumTh0263hs5JAOWqPLl9P35l9KkEW9KNA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTN2TKobFnvEDStdliacCicw1TZskTuVlhFysla4jEia5hRibumTh0263hs5JAOWqPLl9P35l9KkEW9KNA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><p style="text-align: center"><br /></p><p ><span >本金30万，图中<strong>年末现金价值</strong>就是我们每年可用的<strong>账户金额</strong>。</span></p><p ><span ><br /></span></p><p ><span >我用蓝色框圈出来2列，左侧一列是不减保，历年账户金额的变化；</span></p><p ><span ><br /></span></p><p ><em><span ><span style="color: rgb(51, 51, 51); text-align: justify">例如，</span><span style="color: rgb(51, 51, 51); text-align: justify">持有</span><span style="color: rgb(51, 51, 51); text-align: justify">10年</span><span style="color: rgb(51, 51, 51); text-align: justify">我们</span><span style="color: rgb(51, 51, 51); text-align: justify">账户金额为</span><span style="color: rgb(51, 51, 51); text-align: justify">3943</span><span style="color: rgb(51, 51, 51); text-align: justify">50元</span><span style="color: rgb(51, 51, 51); text-align: justify">，持有20年账户金额为566910元，持有30年账户金额为799650元。</span></span></em><span ><span style="color: rgb(51, 51, 51); text-align: justify"></span></span></p><p ><span ><br /></span></p><p ><span >右侧一列是减保后的账户金额。</span></p><p ><span ><br /></span></p><p ><span >例如，持有10年时<strong>减保10万</strong>出来给孩子交学费，<span style="color: rgb(51, 51, 51); text-align: justify">持有20年时</span></span><span ><strong>减保20万</strong></span><span ><span style="color: rgb(51, 51, 51); text-align: justify">出来补充家庭开支</span><span style="color: rgb(51, 51, 51); text-align: justify">，<span style="color: rgb(51, 51, 51); text-align: justify">持有30年时</span></span></span><span ><strong>减保30万</strong></span><span ><span style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(51, 51, 51); text-align: justify">出来</span><span style="color: rgb(51, 51, 51); text-align: justify">买辆车。</span></span><br /></span></p><p ><span ><span style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></span></span></p><p ><span ><span style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(51, 51, 51); text-align: justify">本金30万，每10年减保一次，<strong>累计取出了60万</strong>，</span></span></span><span >并</span><span >且</span><span >账</span><span >户内还</span><span >剩</span><span >1万</span><span >多</span><span >的</span><span >余</span><span >额，依旧</span><span >在复利增长</span><span >。</span></p><p ><span ><span style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></span></span></p><p ><span ><span style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(51, 51, 51); text-align: justify">这就是减保的作用，也决定了增额寿的灵活性。</span></span></span></p><p ><span ><br /></span></p><p ><span ><br /></span></p><p ><span style="color: rgb(33, 89, 103); text-align: start">二、</span></p><p ><span ><br /></span></p><p style="color: rgb(34, 34, 34)"><span >上面减保演示看起来简单，实际操作起来就不一样了。</span></p><p style="color: rgb(34, 34, 34)"><span ><br /></span></p><p style="color: rgb(34, 34, 34)"><span >不同增额寿，减保规则不一样，最明显的就是减保限制多不多。</span></p><p style="color: rgb(34, 34, 34)"><span ><br /></span></p><p style="color: rgb(34, 34, 34)"><span >例如今年以来，在监管机构整治<span style="color: rgb(51, 51, 51); text-align: justify">“长险短做”风险的背景下，</span></span></p><p style="color: rgb(34, 34, 34)"><span ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></span></p><p style="color: rgb(34, 34, 34)"><span style="color: rgb(51, 51, 51); text-align: justify">几乎所有增额寿新品都有了</span><span style="text-align: justify; color: rgb(255, 0, 0)"><strong>年度减保20%的上限</strong></span><span style="color: rgb(51, 51, 51); text-align: justify">，无法自由减保。</span></p><p style="color: rgb(34, 34, 34)"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></p><p style="color: rgb(34, 34, 34)"><span style="color: rgb(51, 51, 51); text-align: justify">更尴尬的是，这个20%的减保年度上限，每家保险公司还不统一。</span></p><p style="color: rgb(34, 34, 34)"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></p><p style="color: rgb(34, 34, 34)"><span style="color: rgb(51, 51, 51); text-align: justify">有的以【<strong>20%保额</strong>】为限，这就好一些，5年就能全部减保完，如长城人寿的平型关；<br /></span></p><p style="color: rgb(34, 34, 34)"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></p><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTN2TKobFnvEDStdliacCicw1TX6jX3te7MCQDwiaiaK33ia58CgOpAZTXayQE7pP7ojm2U6GYKqFlFcoBQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTN2TKobFnvEDStdliacCicw1TX6jX3te7MCQDwiaiaK33ia58CgOpAZTXayQE7pP7ojm2U6GYKqFlFcoBQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><p style="color: rgb(34, 34, 34)"><br /></p><p style="color: rgb(34, 34, 34)"><span ><span style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(51, 51, 51); text-align: justify">有的以【</span></span></span><span style="color: rgb(51, 51, 51); text-align: justify"><strong>20%保费</strong></span><span ><span style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(51, 51, 51); text-align: justify">】</span><span style="color: rgb(51, 51, 51); text-align: justify">为</span><span style="color: rgb(51, 51, 51); text-align: justify">限</span><span style="color: rgb(51, 51, 51); text-align: justify">，这就差一些，前期账户金额低还好，后期可能要10年以上才能减完，如信泰人寿的如意尊（星光版）；</span></span></span></p><p style="color: rgb(34, 34, 34)"><span ><span style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></span></span></p><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTN2TKobFnvEDStdliacCicw1TTiaPweYqvKx1yia26mveOcNVXuryKEziasRurJpYzufLe4oWn5YR4UQUA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTN2TKobFnvEDStdliacCicw1TTiaPweYqvKx1yia26mveOcNVXuryKEziasRurJpYzufLe4oWn5YR4UQUA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><p style="color: rgb(34, 34, 34)"><span ><span style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></span></span></p><p style="color: rgb(34, 34, 34)"><span ><span style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(51, 51, 51); text-align: justify">这还算“单纯”的，是固定20%的保额或保费；</span></span></span></p><p style="color: rgb(34, 34, 34)"><span ><span style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></span></span></p><p style="color: rgb(34, 34, 34)"><span ><span style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(51, 51, 51); text-align: justify">有些产品是以<strong>减保时保额或保费</strong>为准的，意味着每次减保后，下次减保锚定的保额或保费就要重新计算，即下次减保的可减金额就少一些。<br /></span></span></span></p><p style="color: rgb(34, 34, 34)"><span ><span style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></span></span></p><p style="color: rgb(34, 34, 34)"><span ><span style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(51, 51, 51); text-align: justify">例如渤海人寿的前行无忧：<br /></span></span></span></p><p style="color: rgb(34, 34, 34)"><span ><span style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></span></span></p><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTN2TKobFnvEDStdliacCicw1Tibqg2XM4R2WZ9qEEaA0xd1I0yiapOApbhIUR0SXqUNWAlMUPol98Udeg%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTN2TKobFnvEDStdliacCicw1Tibqg2XM4R2WZ9qEEaA0xd1I0yiapOApbhIUR0SXqUNWAlMUPol98Udeg/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /><span style="text-align: justify"></span></section><p style="color: rgb(34, 34, 34)"><span ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></span></p><p style="color: rgb(34, 34, 34)"><span ><span style="color: rgb(51, 51, 51); text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FO95eeDepqTNlHZolxFmG0a3GZCHfkeFgAlFHwuq9b8OhVRDzt7yeYjpNhosHgN4SFv6cCCe34GNvbIibWB0a15Q%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/O95eeDepqTNlHZolxFmG0a3GZCHfkeFgAlFHwuq9b8OhVRDzt7yeYjpNhosHgN4SFv6cCCe34GNvbIibWB0a15Q/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></span></span></p><p style="color: rgb(34, 34, 34)"><span ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></span></p><p style="color: rgb(34, 34, 34)"><span >越减越少，着急用钱，只能全部退保了。</span></p><p style="color: rgb(34, 34, 34)"><span ><em style="color: rgb(34, 34, 34); text-align: justify"><span ><br /></span></em></span></p><p style="color: rgb(34, 34, 34)"><span ><em style="color: rgb(34, 34, 34); text-align: justify"><span >更多详情我年初详细说过，可参见：</span></em></span><span ><em style="color: rgb(34, 34, 34); text-align: justify"><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&amp;mid=2247492910&amp;idx=1&amp;sn=a5cdd63fa460660d59517e0435f912e3&amp;chksm=cfb606aef8c18fb895672db8002a9fe0e9f788eda2edf38d72df34b9a5f13da73f926f6d6796&amp;scene=21#wechat_redirect" textvalue="最适合普通人的理财，2022年开始陆续收紧了！" linktype="text" imgurl="" imgdata="null" tab="innerlink">最适合普通人的理财，2022年开始陆续收紧了</a></span></em></span><em ><span ></span></em></p><p style="color: rgb(34, 34, 34)"><span ></span><br /></p><p style="color: rgb(34, 34, 34)"><strong><span >不难看出，有着20%减保上限的增额寿，灵活性都受到了影响。</span></strong></p><p style="color: rgb(34, 34, 34)"><span ><br /></span></p><p style="color: rgb(34, 34, 34)"><span ><br /></span></p><p style="color: rgb(34, 34, 34)"><span style="color: rgb(33, 89, 103); text-align: start">三、</span></p><section style="color: rgb(34, 34, 34)"><br /></section><section ><span style="color: rgb(34, 34, 34)">上有政策，下有对策。</span></section><section ><span style="color: rgb(34, 34, 34)"><br /></span></section><section ><span style="color: rgb(34, 34, 34)">既然现在减保管的严，买之前<strong>没有20%减保上限</strong>的增额寿不就得了。</span></section><section ><span style="color: rgb(34, 34, 34)"><br /></span></section><section ><span style="color: rgb(34, 34, 34)">这也是现在很多人的选择。</span></section><section ><span style="color: rgb(34, 34, 34)"><br /></span></section><section ><span style="color: rgb(34, 34, 34)">不过没有20%减保限制，不代表这些增额寿真就实现<span style="color: rgb(51, 51, 51); text-align: justify">“减保<span style="color: rgb(34, 34, 34); text-align: justify">自由</span>”</span>了。</span></section><section ><span style="color: rgb(34, 34, 34)"><br /></span></section><section ><span style="color: rgb(34, 34, 34)">它们同样有一定限制，如<strong>减保后的现金价值</strong>（账户金额）或<strong>保费/保额</strong>不低于多少。</span></section><section ><span style="color: rgb(34, 34, 34)"><br /></span></section><section ><span style="color: rgb(34, 34, 34)">就目前来看，最优秀的减保规则，肯定是以【现金价值】为标准。</span></section><section ><span style="color: rgb(34, 34, 34)"><br /></span></section><section ><span style="color: rgb(34, 34, 34)">因为<strong>现金价值就等于账户金额</strong>，</span></section><section ><span style="color: rgb(34, 34, 34)"><br /></span></section><section style="color: rgb(34, 34, 34)"><span ><em style="color: rgb(34, 34, 34); text-align: justify"><span >例如减保后现金价值不低于1000元，那我们面对几十、几百万的增额寿账户，只要给账户留1000元，剩下的都能减出来。</span></em></span></section><section ><span style="color: rgb(34, 34, 34)"><br /></span></section><section ><span style="color: rgb(34, 34, 34)">像和泰人寿鑫享盈：</span></section><section ><span style="color: rgb(34, 34, 34)"><br /></span></section><section ><span style="color: rgb(34, 34, 34)">减保后要求是，现金价值≥4000元，即账户金额留4000元就行。</span></section><section ><span style="color: rgb(34, 34, 34)"><br /></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTN2TKobFnvEDStdliacCicw1Ticia0zddicw1iaIQic6Wcjx4u4Z9ZD8JOibqIQcrT3F5YpRfWnsSbgB4nxJg%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTN2TKobFnvEDStdliacCicw1Ticia0zddicw1iaIQic6Wcjx4u4Z9ZD8JOibqIQcrT3F5YpRfWnsSbgB4nxJg/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><span style="color: rgb(34, 34, 34)"><br /></span></section><section ><span style="color: rgb(34, 34, 34)">像弘康人寿金玉满堂（弘运增利）：</span></section><section ><span style="color: rgb(34, 34, 34)"><span style="color: rgb(34, 34, 34); text-align: justify"><br /></span></span></section><section ><span style="color: rgb(34, 34, 34)"><span style="color: rgb(34, 34, 34); text-align: justify">减保</span><span style="color: rgb(34, 34, 34); text-align: justify">后要求是</span><span style="color: rgb(34, 34, 34); text-align: justify">，现金价值</span><span style="color: rgb(34, 34, 34); text-align: justify">≥500元，算是<strong>目前最宽松的减保要求</strong>，几乎没有限制。</span></span></section><section ><span style="color: rgb(34, 34, 34)"><br /></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTN2TKobFnvEDStdliacCicw1TeZd6DLFKiaayrHTjE0zFgleuLU3DBG96D9aLplOTp3rngIrJiazA8ehw%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTN2TKobFnvEDStdliacCicw1TeZd6DLFKiaayrHTjE0zFgleuLU3DBG96D9aLplOTp3rngIrJiazA8ehw/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><span style="color: rgb(34, 34, 34)"></span></section><section ><span style="color: rgb(34, 34, 34)"><br /></span></section><section ><span style="color: rgb(34, 34, 34)">当然，因为没有20%限制，即便是要求<strong>减保后保费/保额不低于多少</strong>，不一定就差。</span></section><section ><span style="color: rgb(34, 34, 34)"><br /></span></section><section ><span style="color: rgb(34, 34, 34)">例如国联人寿康乾一号•益利多：</span></section><section ><span style="color: rgb(34, 34, 34)"><span style="color: rgb(34, 34, 34); text-align: justify"><br /></span></span></section><section ><span style="color: rgb(34, 34, 34)"><span style="color: rgb(34, 34, 34); text-align: justify">减保</span><span style="color: rgb(34, 34, 34); text-align: justify">后要求是</span><span style="color: rgb(34, 34, 34); text-align: justify">，保费</span><span style="color: rgb(34, 34, 34); text-align: justify">≥2000元</span><span style="color: rgb(34, 34, 34); text-align: justify">，</span><span style="color: rgb(34, 34, 34); text-align: justify">即账户金额要留存2000元保费对应的现金价值</span><span style="color: rgb(34, 34, 34); text-align: justify">。</span></span></section><section ><span style="color: rgb(34, 34, 34)"><br /></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTN2TKobFnvEDStdliacCicw1TibAcCwFoD9wRmO43npEHibIuh3lQb8R6elk7kcdzKdUbsqqX7aiaFosXA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTN2TKobFnvEDStdliacCicw1TibAcCwFoD9wRmO43npEHibIuh3lQb8R6elk7kcdzKdUbsqqX7aiaFosXA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><span style="color: rgb(34, 34, 34)"></span></section><section ><span style="color: rgb(34, 34, 34)"><br /></span></section><section ><span style="color: rgb(34, 34, 34)">打个比方，年交4000元，交10年，买了益利多，</span></section><section ><span style="color: rgb(34, 34, 34)"><br /></span></section><section ><span style="color: rgb(34, 34, 34)">因为减保后重新计算保费，且保费要≥2000，所以减保时最多只能<strong>减一半账户金额</strong>（4000-2000=2000对应的账户金额，即当时账户金额的50%）；</span></section><section ><span style="color: rgb(34, 34, 34)"><br /></span></section><section ><span style="color: rgb(34, 34, 34)">看起来限制得厉害，实际只要本金多，例如年交不是4000，而是1万以上，影响就不大了。</span></section><section ><span style="color: rgb(34, 34, 34)"><br /></span></section><section ><strong><span style="color: rgb(34, 34, 34)">不过纵观当前增额寿市场，</span></strong></section><section ><br /></section><section ><strong><span style="color: rgb(34, 34, 34)">论减保规则，还是以弘康人寿金玉满堂（弘运增利）、和泰人寿鑫享盈等产品为佳，几乎算作无限制了。</span></strong></section><section ><span style="text-align: center"><br /></span></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTN2TKobFnvEDStdliacCicw1TeetLkAicPqzbL7icBSicc3bQMj8Dh5j0iaic895ywRRQldBWf0OCXTPo7jQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTN2TKobFnvEDStdliacCicw1TeetLkAicPqzbL7icBSicc3bQMj8Dh5j0iaic895ywRRQldBWf0OCXTPo7jQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section ><strong><span style="color: rgb(34, 34, 34)"></span></strong></section><section ><span style="color: rgb(34, 34, 34)"><br /></span></section><section ><span style="color: rgb(34, 34, 34)"><em style="color: rgb(34, 34, 34); text-align: justify"><span >*注：之前很多老产品减保规则未写进条款，后期可能有变动，</span></em></span><span style="color: rgb(34, 34, 34)"><em ><span >实在担心减保受限的话，可以<strong>拆单</strong>投保。</span></em></span></section><section ><span style="color: rgb(34, 34, 34)"><em ><span ><br /></span></em></span></section><section ><span style="color: rgb(34, 34, 34)"><em ><span >例如原本年交10万，交5年，买1份金玉满堂；可以改成年交2万，交5年，买5份金玉满堂，</span></em></span><em style="color: rgb(34, 34, 34)"><span >不影响收益。</span></em></section><section ><em style="color: rgb(34, 34, 34)"><span ></span></em></section><section ><span style="color: rgb(34, 34, 34)"><br /></span></section><section ><span style="color: rgb(34, 34, 34)"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: justify"><span style="color: rgb(33, 89, 103); text-align: start">四、</span></section><section style="color: rgb(34, 34, 34); text-align: justify"><br /></section><p style="color: rgb(34, 34, 34); text-align: justify"><span style="color: rgb(34, 34, 34)">下面聊聊减保的具体步骤。</span></p><p style="color: rgb(34, 34, 34); text-align: justify"><span style="color: rgb(34, 34, 34)"><br /></span></p><p style="color: rgb(34, 34, 34); text-align: justify"><span style="color: rgb(34, 34, 34)">除了极少数需要去<strong>线下柜台</strong>才能申请减保的增额寿（如百年人寿鑫越人生），</span></p><section style="color: rgb(34, 34, 34); text-align: justify"><br /></section><section style="color: rgb(34, 34, 34); text-align: justify"><span style="color: rgb(34, 34, 34)">大多增额寿都可以线上申请减保，</span><span >其中最</span><span >简单的</span><span >申请路径就</span><span >是【关注保险公司官方</span><span >公众号</span><span >--保单服务--申请</span><span >减保】。</span></section><section style="color: rgb(34, 34, 34); text-align: justify"><span ><br /></span></section><section style="color: rgb(34, 34, 34); text-align: justify"><span >以弘康人寿金玉满堂（弘运增利）为</span><span >例：</span></section><section style="color: rgb(34, 34, 34); text-align: justify"><br /></section><section style="color: rgb(34, 34, 34); text-align: justify"><strong ><span style="color: rgb(34, 34, 34)">1、关注「弘康人寿」官方微信公众号；<br /></span></strong></section><section style="color: rgb(34, 34, 34); text-align: justify"><br /></section><section style="color: rgb(34, 34, 34); text-align: justify"><strong ><span style="color: rgb(34, 34, 34)"><strong ><span style="color: rgb(34, 34, 34)">2、点击菜单栏<span >「我的服务」，<strong ><span >进入「保单服务」</span></strong>；</span></span></strong></span></strong></section><section style="color: rgb(34, 34, 34); text-align: justify"><br /></section><section style="color: rgb(34, 34, 34); text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FO95eeDepqTME7Ryd4ia2Zga2sAFAqjxPut5BaXBXxMFF7G26mwu8YC8ur5C9MPAkDer3jrTv3V4S1Pvhd5XoFWw%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/O95eeDepqTME7Ryd4ia2Zga2sAFAqjxPut5BaXBXxMFF7G26mwu8YC8ur5C9MPAkDer3jrTv3V4S1Pvhd5XoFWw/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgb(34, 34, 34); text-align: justify"><br /></section><section style="color: rgb(34, 34, 34); text-align: justify"><strong ><span style="color: rgb(34, 34, 34)">3、<span style="color: rgb(34, 34, 34)">点击<span style="color: rgb(34, 34, 34)">「</span>保障内容变更<span style="color: rgb(34, 34, 34)">」</span>一栏的<span style="color: rgb(34, 34, 34)">「减保」；</span></span></span></strong></section><section style="color: rgb(34, 34, 34); text-align: justify"><br /></section><section style="color: rgb(34, 34, 34); text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FO95eeDepqTMcG7iaNe59a1HlB7ntrxibBf9dqrKXaibw0kIpm8SjTfM7t0b1vG2RzibWDLATW5xLErYoEJiaLFVXhsQ%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/O95eeDepqTMcG7iaNe59a1HlB7ntrxibBf9dqrKXaibw0kIpm8SjTfM7t0b1vG2RzibWDLATW5xLErYoEJiaLFVXhsQ/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgb(34, 34, 34); text-align: justify"><br /></section><section style="color: rgb(34, 34, 34); text-align: justify"><strong ><span style="color: rgb(34, 34, 34)">4、点击减保，进入申请页面，</span></strong><strong ><span style="color: rgb(34, 34, 34)">输入减保取现金额，确认收款账户即可。</span></strong></section><section style="color: rgb(34, 34, 34); text-align: justify"><br /></section><section style="color: rgb(34, 34, 34); text-align: center"><span style="color: rgb(123, 127, 131)"><strong >滑动查看长图&nbsp;</strong></span></section><section style="color: rgb(34, 34, 34); text-align: justify"><section style="text-align: center"><section ><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FO95eeDepqTMcG7iaNe59a1HlB7ntrxibBfNtib2QjOpuskk5nXwnJrE6GlB2On0uGYUsFnpZEf8foSKJXLB6AjQRQ%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/O95eeDepqTMcG7iaNe59a1HlB7ntrxibBfNtib2QjOpuskk5nXwnJrE6GlB2On0uGYUsFnpZEf8foSKJXLB6AjQRQ/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section></section></section></section><section style="color: rgb(34, 34, 34); text-align: justify"><br /></section><section style="color: rgb(34, 34, 34); text-align: justify"><span style="color: rgb(34, 34, 34)">整个减保取现过程相当便捷，</span><span >跟</span><span >去</span><span >支</span><span >付宝钱包</span><span >提现</span><span >体验差不多。</span></section><section style="color: rgb(34, 34, 34); text-align: justify"><span ><br /></span></section><section style="color: rgb(34, 34, 34); text-align: justify"><span >其他增额寿减保步骤也类似。</span><span ></span></section><section style="color: rgb(34, 34, 34); text-align: justify"><span ><br /></span></section><p style="color: rgb(34, 34, 34)"><strong><span >最后提醒下：</span></strong><span ></span></p><p style="color: rgb(34, 34, 34)"><span ><br /></span></p><p style="color: rgb(34, 34, 34)"><span >接官方通告，弘康金玉满堂就要在<strong>6月30日</strong>彻底下架了。</span></p><p style="color: rgb(34, 34, 34)"><br /></p><p style="color: rgb(34, 34, 34)"><span >它的优点不仅是减保要求最宽松，<span style="color: rgb(34, 34, 34); text-align: justify">收益还是当前第一，且封闭期短，</span>保单贷款利率也最低...</span></p><p style="color: rgb(34, 34, 34)"><span ><br /></span></p><p style="color: rgb(34, 34, 34)"><span style="color: rgb(34, 34, 34)">时间有限，想上车的朋友抓紧了。</span></p><section ><span style="color: rgb(34, 34, 34)"><br /></span></section><section ><span style="color: rgb(34, 34, 34)">相关阅读：<br /></span></section><section ><span style="color: rgb(34, 34, 34)"><br /></span></section><section ><span style="color: rgb(34, 34, 34)"><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&amp;mid=2247494160&amp;idx=1&amp;sn=7ba4e54a60edd07d183cd5e88207a03e&amp;chksm=cfb60990f8c18086aa4f0e62477763453b70fa3614c8cba4424d4e3440e9394f98341e128513&amp;scene=21#wechat_redirect" textvalue="收益排行榜，所有线上线下增额终身寿大PK" linktype="text" imgurl="" imgdata="null" tab="innerlink">收益排行榜，所有线上线下增额终身寿大PK</a><br /></span></section><section ><span style="color: rgb(34, 34, 34)"><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&amp;mid=2247493970&amp;idx=1&amp;sn=2888582c0cb1adde76a0ac95f5f8fd31&amp;chksm=cfb60ad2f8c183c4539c155ad56851197117c1b7dd35e949ccde9b149be5c31712dd5b3ae1c1&amp;scene=21#wechat_redirect" textvalue="倒计时！保姑同款金玉满堂增额寿彻底下架停售" linktype="text" imgurl="" imgdata="null" tab="innerlink">倒计时！保姑同款金玉满堂增额寿彻底下架停售</a><br /></span></section><section ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&amp;mid=2247494011&amp;idx=1&amp;sn=81ab926daf2e3b7e3ca20ef9c6bf5e4f&amp;chksm=cfb60afbf8c183ede6c9840ebefb2db6eb0485a97a849f6d9515d3cc4f02b03aa0d5874304e9&amp;scene=21#wechat_redirect" textvalue="到底要不要上车「弘康金玉满堂」增额寿？" linktype="text" imgurl="" imgdata="null" tab="innerlink" ><span >到底要不要上车「弘康金玉满堂」增额寿？</span></a><br /></section><section ><br /></section><section ><br /></section><section style="text-align: center"><span ><span >—&nbsp;</span><strong >END&nbsp;</strong><span >—</span></span></section><section></mpprofile></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，</span></span><span style="color: rgb(136, 136, 136)">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></section><section style="text-align: left"><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>