<section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FO95eeDepqTP8bWwapAfC4W9Pppz1zcevhVQw6s09WHKdQhLd1Ea1aP5uosc2Psaxron1bx4cbUA7bwe7hoickKg%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/O95eeDepqTP8bWwapAfC4W9Pppz1zcevhVQw6s09WHKdQhLd1Ea1aP5uosc2Psaxron1bx4cbUA7bwe7hoickKg/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /><span style="color: rgb(136, 136, 136)">点上方图片看看【封面图的故事】</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><br /></section><section style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(33, 89, 103); text-align: start">一、</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >3月22日，国内第10家专业养老保险公司——<strong>国民养</strong><strong>老</strong>在北京成立。</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><em><span >注：养老保险公司和人寿保险公司、健康保险公司都属于人身险公司范畴，当前国内近百家人身险公司中，该类别仅有10家，另外9家分别是“老七家”旗下的养老保险公司，和大家养老、恒安标准养老。</span></em></section><section style="color: rgb(51, 51, 51); text-align: justify"><br /></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >看起来是某不知名的小“<span style="color: rgb(51, 51, 51); text-align: justify">萌新</span>”，实际背后站了一整排的大佬。</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >对，是一整排，不是一两个。</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >这家新公司股东包括：</span><strong><span >工、农、中、建、交、邮储</span></strong><span >等六家国有大型银行，</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><strong><span >中信、招商、兴业、民生、华夏</span></strong><span >等五家股份制银行；</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><strong><span >中金公司、泰康人寿、<strong style="color: rgb(51, 51, 51); text-align: justify"><span >中信证券</span></strong></span></strong><span >等大型证券保险机构，</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >以及<strong>中国</strong><strong>国新、<strong style="color: rgb(51, 51, 51); text-align: justify">京投公司、<strong style="color: rgb(51, 51, 51); text-align: justify">北京金融街资本</strong></strong></strong>等实业投资领域知名国企。</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FO95eeDepqTNtw0AEVaZJNaibnFKZ2tdCeNAPToVIZR74ic3KZqQSQfvugKm05Ir1EfuVtKC6NF4miaBibaSFJXTHAg%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/O95eeDepqTNtw0AEVaZJNaibnFKZ2tdCeNAPToVIZR74ic3KZqQSQfvugKm05Ir1EfuVtKC6NF4miaBibaSFJXTHAg/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgb(51, 51, 51); text-align: justify"><br /></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >诸位大佬加持下，国民养老的注册资本高达111.5亿元，算是公司版“<span style="color: rgb(51, 51, 51); text-align: justify">赢</span><span style="color: rgb(51, 51, 51); text-align: justify">在起跑线</span>”系列。</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><br /></section><section style="color: rgb(51, 51, 51); text-align: justify"><strong><span style="color: rgb(51, 51, 51); text-align: justify">可好端端的，</span></strong><strong><span >这些大佬都跑来开养老保险公司干啥？</span></strong><strong><span style="color: rgb(51, 51, 51); text-align: justify"></span></strong><span style="color: rgb(51, 51, 51); text-align: justify"></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><strong><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></strong></section><section style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(51, 51, 51); text-align: justify">官网是这么说</span><span style="color: rgb(51, 51, 51); text-align: justify">的，</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(33, 89, 103)"><span style="color: rgb(33, 89, 103); text-align: justify">“为贯彻落实党中央国务院关于规范发展</span><strong><span style="color: rgb(33, 89, 103)">第三支柱养老保险</span></strong><span style="color: rgb(33, 89, 103); text-align: justify">的重要部署，健全多层次社会保障体系，在银保监会等监管机构的大力支持下，由<strong>北京市政府</strong>相关方面牵头，17家股东单位共同发起设立国民养老保险股份有限公司。<span style="color: rgb(33, 89, 103); text-align: justify">”</span></span></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><br /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTP8bWwapAfC4W9Pppz1zcevIFyMYMQgunAn4NtyH8LoJQDCyWMnlU4TZHpiccB0pPNcudZ463M89Yw%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTP8bWwapAfC4W9Pppz1zcevIFyMYMQgunAn4NtyH8LoJQDCyWMnlU4TZHpiccB0pPNcudZ463M89Yw/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><strong><span >啥是第三支柱养老保险？</span></strong></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >这要从国内养老金体系说起，当前该体</span><span >系有三支柱：<br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><br /></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >第一支柱是基本养老保险，</span><span >第二支柱是企业年金和职业年金，</span><span >第三支柱就是个人养老金及商业养老保险等。</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTP8bWwapAfC4W9Pppz1zcev1cP6icCmc2AxnpeiaGEgGzb25VWBqA0Msic1sjtbl0sOs6wSXSrSR6dZQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTP8bWwapAfC4W9Pppz1zcev1cP6icCmc2AxnpeiaGEgGzb25VWBqA0Msic1sjtbl0sOs6wSXSrSR6dZQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><span style="color: rgb(51, 51, 51); text-align: justify">说是</span><span style="color: rgb(51, 51, 51); text-align: justify">三根柱子</span><span style="color: rgb(51, 51, 51); text-align: justify">，实际</span><span style="color: rgb(51, 51, 51); text-align: justify">过往全靠第一支柱死撑。</span></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><span style="color: rgb(51, 51, 51); text-align: justify">但问题是，第一支柱快撑不住了，<span style="color: rgb(34, 34, 34); text-align: justify">据社科院报告预测，养老金将在</span><strong style="color: rgb(34, 34, 34); text-align: justify">2035年</strong><span style="color: rgb(34, 34, 34); text-align: justify">耗尽。</span></span></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><br /></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><span style="color: rgb(51, 51, 51); text-align: justify"><strong style="color: rgb(34, 34, 34); text-align: justify">分担第一支柱的压力迫在眉睫。</strong></span></span><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><br /></section><section style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(51, 51, 51); text-align: justify">只是想靠第二支柱企（职）业年金撑起来，现阶段还不太现实，因此尽快扶起第三支柱成了当务之急。</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><span >这就是国民养老保险公司成立的背景。</span></span></section><p ><span ><br /></span></p><p ><span ><br /></span></p><p style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(33, 89, 103); text-align: start">二、</span></p><p ><br /></p><p ><span style="color: rgb(51, 51, 51); text-align: justify">截至目前，国民养老共上线了2款养老金。</span></p><p ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></p><p ><span style="color: rgb(51, 51, 51); text-align: justify">一款是<span style="color: rgb(51, 51, 51); text-align: justify">「</span><strong>共同富裕专属商业养老保险</strong><span style="color: rgb(51, 51, 51); text-align: justify">」</span>，</span></p><p ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></p><p ><span style="color: rgb(51, 51, 51); text-align: justify">这类养老金收益不确定，有稳健型和进取型2个组合，进取型保证利率是0%，即最低没有收益。</span></p><p ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></p><p ><span style="color: rgb(51, 51, 51); text-align: justify">稳健型稍好，可保底也只有3%，在经济环境不太好时，更建议买确定的、传统养老年金险来养老。</span></p><p ><span ><br /></span></p><p ><span >国民养老的另一款产品「<strong>美好生活养老年金保险</strong>」就是这类产品。</span></p><p ><span ><br /></span></p><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FO95eeDepqTP8bWwapAfC4W9Pppz1zcevRKlI9bLZdwtdqNwrnJWtPlWJBu45v7MSxIR1ibhXeSKT7cjlY9QrnyA%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/O95eeDepqTP8bWwapAfC4W9Pppz1zcevRKlI9bLZdwtdqNwrnJWtPlWJBu45v7MSxIR1ibhXeSKT7cjlY9QrnyA/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><p ><br /></p><p ><span style="color: rgb(51, 51, 51); text-align: justify">产品规则和主流养老金差不多，支持0-69岁投保，缴费期有趸交（一次交清）、3/5/10年交。</span></p><p ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></p><p ><span style="color: rgb(51, 51, 51); text-align: justify">领取也挺灵活的，养老金支持年领或月领，领取养老金前，还能变更领取年龄。</span></p><p ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></p><p ><span style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(51, 51, 51); text-align: justify">投保门槛一般，10000元起</span><span style="color: rgb(51, 51, 51); text-align: justify">交。</span></span></p><p ><span style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></span></p><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTP8bWwapAfC4W9Pppz1zceva9Jlcb0hHTZULb1Iqz3PJkvLTibnEpibicTYgfBiaHhtK6sunf99uCicPcg%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTP8bWwapAfC4W9Pppz1zceva9Jlcb0hHTZULb1Iqz3PJkvLTibnEpibicTYgfBiaHhtK6sunf99uCicPcg/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><p ><br /></p><p ><span style="color: rgb(51, 51, 51); text-align: justify">产品亮点，官方宣传页写了4个，重点我认为是这2个 ▼：<br /></span></p><p ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></p><p ><span style="color: rgb(51, 51, 51); text-align: justify">第一个是保证领取20年，要是领几年就身故了，国民养老会把<strong>20年内、应领未领的养老金</strong>给到家人；</span></p><p ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></p><p ><span style="color: rgb(51, 51, 51); text-align: justify">第二个，美好生活除了基础的养老金，还有<strong>祝寿金</strong>，满70、80、90、100岁时还生存，可额外领一笔祝寿金（金额等同每年的养老金）。</span><span style="text-align: center"></span></p><p ><span ><br /></span></p><p ><span ><span style="color: rgb(51, 51, 51); text-align: justify">缺点也有，一是有健康告知；</span></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">二是还要询问半年内、是否在2家及以上保险公司买了意外险，或者意外险保额≥100万...</span></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">其他的，像主流养老金的常见增值服务，养老社区、万能账户等美好生活暂时都没有。</span></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">购买渠道也很单一，美好生活</span></span><span >主要依托</span><strong><span >北京</span><span >地区的银保渠道</span></strong><span >销售，人在北京的可以去银行问问。</span></p><p ><span ><br /></span></p><p ><span >注意不是所有银行都能卖，现在和国民养老签约的银行只有6家：</span><span >工行、农行、</span><span >建行、招行、邮储</span><span >银行和北京银行</span><span >。</span></p><p ><span ><br /></span></p><p ><span >更多渠道和地区，只能静待未来<span style="color: rgb(51, 51, 51); text-align: justify">开放了</span>。<br /></span></p><p ><br /></p><p ><br /></p><p style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(33, 89, 103); text-align: start">三、</span></p><p ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></p><p ><span style="color: rgb(51, 51, 51); text-align: justify">最后看下收益，以40岁女性，年交10万、5年交，60岁领取为例。</span></p><p ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></p><p ><span style="color: rgb(51, 51, 51); text-align: justify">领取日后，美好生活每年可领取<strong>49188元</strong>的养老金；</span></p><p ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></p><p ><span style="color: rgb(51, 51, 51); text-align: justify">70岁开始，每10年一次，人活着就能多领一笔49188元的祝寿金；</span></p><p ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></p><p ><span style="color: rgb(51, 51, 51); text-align: justify">假设领了10年人不幸去世，保险公司会把保证领取期剩下10年没领的养老金49万给到受益人。<br /></span></p><p ><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_jpg%2FO95eeDepqTP8bWwapAfC4W9Pppz1zcevhY6mW6PCM31B5m0ezLeSc2O7JQEjP904ibmyI1ZkvdZBAA9n8ibALKNg%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/O95eeDepqTP8bWwapAfC4W9Pppz1zcevhY6mW6PCM31B5m0ezLeSc2O7JQEjP904ibmyI1ZkvdZBAA9n8ibALKNg/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><p ><br /></p><p ><span >当然，收益是对比出来的。</span></p><p ><span ><br /></span></p><p ><span >我们把美好生活，和另一款有祝寿金、同样保证领取20年的养老年金险——大家养老「<strong>福满满</strong>」做个对比。</span></p><p ><span style="text-align: center"><br /></span></p><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FO95eeDepqTP8bWwapAfC4W9Pppz1zcevs5x4ibWKZnfbdiaSGCGIBTsiaMxUibCRYn5iaXbiblNJn2gANZDo01ZnxmGA%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/O95eeDepqTP8bWwapAfC4W9Pppz1zcevs5x4ibWKZnfbdiaSGCGIBTsiaMxUibCRYn5iaXbiblNJn2gANZDo01ZnxmGA/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><p ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></p><p ><span style="color: rgb(51, 51, 51); text-align: justify">同等条件，美好生活可领取49188元/年，<span style="color: rgb(51, 51, 51); text-align: justify">福满满可领取51200</span><span style="color: rgb(51, 51, 51); text-align: justify">元</span><span style="color: rgb(51, 51, 51); text-align: justify">/年。</span></span></p><p ><span style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></span></p><p ><span ><strong>养老金方面，福满满更高。</strong></span><span style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></span></p><p ><span style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></span></p><p ><span style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(51, 51, 51); text-align: justify">不过美好生活70岁开始就能领取祝寿金，福满满80岁才开始领。<br /></span></span></p><p ><span style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></span></p><p ><span style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(51, 51, 51); text-align: justify">因此领取前期，这俩其实收益差不多。<br /></span></span></p><p ><span style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></span></p><p ><span ><em><span >注：美好生活女性投保优势比较大，换成男性就不如福满满了。</span></em></span><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></p><p ><span style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></span></p><p ><span style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(51, 51, 51); text-align: justify">80岁后，由于福满满祝寿金不像美好生活那样固定，第二次领就是2倍，第三次就是3倍。<br /></span></span></p><p ><span style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></span></p><p ><span ><strong>后期领取的收益美好生活就不如福满满了。</strong></span></p><p ><br /></p><p ><span style="color: rgb(51, 51, 51); text-align: justify">当然，福满满本身也不以领取金额见长，并且选择养老金还要考虑很多，建议大家还是先梳理需求再说。</span></p><p ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></p><p ><span style="color: rgb(51, 51, 51); text-align: justify">至于美好生活这款，作为新公司的新产品，还是不错的，只是目前看还有一定提升空间，希望国民养老未来能开发更好的产品吧。</span></p><p ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></p><p ><span style="color: rgb(51, 51, 51); text-align: justify">毕竟产品有足够的吸引力，才能尽快让第三支柱尽快支棱起来啊...</span></p><p ><br /></p><section style="color: rgb(34, 34, 34); text-align: justify"><em><strong style="color: rgb(0, 0, 0)"><span >有问题，可长按扫描下图二维码进入</span></strong><strong ><span style="color: rgb(33, 89, 103)">【懂保爷】公众号</span></strong><strong style="color: rgb(0, 0, 0)"><span >，关注后点击下方“免费咨询”菜单即可添加我团队的专业规划老师。</span></strong></em><strong style="color: rgb(0, 0, 0)"></strong></section><section style="color: rgb(34, 34, 34); text-align: justify"><strong style="color: rgb(0, 0, 0)"></strong></section><section style="color: rgb(34, 34, 34); text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FO95eeDepqTMPo1WFgwic4R9CzHFtIUiczrkNRONibBIRfJGTrvFFVv9TLx4VFbhuaMT0QD4kklibcE2tribo0a0dDAw%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/O95eeDepqTMPo1WFgwic4R9CzHFtIUiczrkNRONibBIRfJGTrvFFVv9TLx4VFbhuaMT0QD4kklibcE2tribo0a0dDAw/640?wx_fmt=gif" 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"><span style="color: rgb(0, 0, 0)">相关阅读：</span></section><section ><span ><br /></span></section><section ><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247494346&idx=1&sn=1c4270ad649a5cbca3beefa2d9b9eda1&chksm=cfb6094af8c1805c22b1a86f857f47565033c8a7191997225a9a5c746ce7a81aa56aff4ebebb&scene=21#wechat_redirect" textvalue="因为这个亮点，我选「福满满」养老年金险" linktype="text" imgurl="" imgdata="null" tab="innerlink">因为这个亮点，我选「福满满」养老年金险</a><br /></span></section><section ><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247495067&idx=1&sn=7c6737e85473bd9a6b043f9298942f63&chksm=cfb60e1bf8c1870d8cd4216b7358f3cfb8e49e03efd82615f3930c0fe192eb2ac96da7fdf999&scene=21#wechat_redirect" textvalue="养老年金险，看这3点就够了" linktype="text" imgurl="" imgdata="null" tab="innerlink">养老年金险，看这3点就够了</a><br /></span></section><section ><span ><strong ></strong><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247493287&idx=1&sn=c67de5048364c763c64d745c8554dcf0&chksm=cfb60527f8c18c3174405593f6d532cb8f83f81e138e62eb17fdfc577bfbda31b5d6fac3c7be&scene=21#wechat_redirect" textvalue="关于增额终身寿，我把这些实话一次全告诉你" linktype="text" imgurl="" imgdata="null" tab="innerlink">关于增额终身寿，我把这些实话一次全告诉你</a></span></span></section><section ><br /></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，</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>
