<p ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FTCogyRTMEicf0YBXZApo78gOoyoicAGb2OGSQts3d2EPy5BGEVicyTibicibgPia4ryCmgfgRic3z1ZZ2QVO83ESNcDVoQ%2F640%3Fwx_fmt%3Djpeg%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/TCogyRTMEicf0YBXZApo78gOoyoicAGb2OGSQts3d2EPy5BGEVicyTibicibgPia4ryCmgfgRic3z1ZZ2QVO83ESNcDVoQ/640?wx_fmt=jpeg&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></p><p ><span >郑州的王姐，通过直播间与懂保爷结缘，投保了一份<strong>大富翁3.0</strong>养老年金险。</span></p><p ><span >年交10万，交3年，从60岁开始领取，</span></p><p ><span >每年可以领3万养老金，跟发工资一样领一辈子。</span></p><p ><span >王姐的选择很有代表性，和大家做个分享。</span></p><p ><span style="color: rgb(33, 89, 103)"><strong><span style="color: rgb(33, 89, 103)">一、</span></strong></span><span style="color: rgb(33, 89, 103)"><strong><span style="color: rgb(33, 89, 103)">需求分析</span></strong></span></p><p ><span >41岁的她经营着一家便利店，收入稳定，在郑州日子过得红火。</span></p><section ><span >多年打拼也攒下了一笔钱，准备用来养老。</span><o:p></o:p></section><section ><span ><span >出于信任和对专业的认可，王姐</span>在懂保爷直播间留下了号码，想为自己规划养老方案。</span><o:p></o:p></section><section ><span >接待王姐的是懂保爷规划师李家帆老师。</span></section><section ><span >王姐的需求很明确，通过电话沟通，规划老师建议她配置养老年金险，</span></section><section ><span >把有限的养老预算变换成终身领取的现金流。</span><o:p></o:p></section><section ><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_jpg%2FttibxYrpmzvRe9Xtc5K8jAuUpyhbic5MHzpdST2Pv59HibZLc9iaj3fUJTOrdWtrFC48KvttgFBJjAUnlYdHibIUarg%2F640%3Fwx_fmt%3Djpeg%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_jpg/ttibxYrpmzvRe9Xtc5K8jAuUpyhbic5MHzpdST2Pv59HibZLc9iaj3fUJTOrdWtrFC48KvttgFBJjAUnlYdHibIUarg/640?wx_fmt=jpeg&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></span></section><p style="text-align: center"><span style="color: rgb(136, 136, 136)">电话沟通需求</span></p><section ><span >一方面，</span><span ><strong><span >存款转化为稳定的现金流</span></strong></span><span >，无需担心坐吃山空。</span></section><section ><span >每个月都能像领取退休金一样获得收入；</span></section><section ><span >另一方面，</span><span ><strong><span >只要活着，就能一直领取</span></strong></span><span >，</span><span >终身不用担心资金耗尽。</span></section><section ><span >而且这些钱可以自由支配，本月用完，下个月的钱还会按时到账。</span><o:p></o:p></section><section ><span ><span style="color: rgb(33, 89, 103)"><strong><span >二、</span></strong></span><span style="color: rgb(33, 89, 103)"><strong><span >产品筛选</span></strong></span></span></section><section ><span >王姐高度认可通过年金险来进行养老规划。</span></section><section ><span >经过多轮电话沟通，产品初步锁定在【<strong>大富翁3.0】</strong>【<strong>幸福到老长寿版】</strong>中。</span></section><section ><span >大富翁3.0是<strong>固收型养老年金</strong>，每年领取的养老金都白纸黑字写进合同。</span></section><section ><span >幸福到老长寿版则是<strong>分红型养老年金</strong>，养老金由"固定+分红"构成，<br /></span></section><section ><span >固定部分领的较少，但加上分红后能博取更高的收益。<br /></span></section><section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvRe9Xtc5K8jAuUpyhbic5MHzZcppWSj7NQ841TYhIBoGRrpPMNYzKRjpSX0fdnzloG5AIbOXlU6tNg%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvRe9Xtc5K8jAuUpyhbic5MHzZcppWSj7NQ841TYhIBoGRrpPMNYzKRjpSX0fdnzloG5AIbOXlU6tNg/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></p><p style="text-align: center"><span style="color: rgb(136, 136, 136)">聊天记录节选</span></p><p ><span >由于王姐的风险偏好较为保守，不想养老生活有一丝一毫的不确定。</span></p></section><section ><strong><span >最终领取100%确定的大富翁3.0胜出。</span></strong></section><section ><span >此前针对这款现象级产品做过详细的测评：<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MzkwODcwMzI2Nw==&mid=2247498650&idx=1&sn=c6cdc2e9df70064a7a8aa8654851dad7&chksm=c0c758d6f7b0d1c00495f7c8755f2e1786cab99cbe80ea3ae57413aa0fcfcc2afc92166fa623&scene=21#wechat_redirect" textvalue="养老金市场，还有隐藏高手！" linktype="text" imgurl="" imgdata="null" tab="innerlink">养老金市场，还有隐藏高手！</a></span><strong><span ><br /></span></strong></section><section ><span >大家感兴趣可以点击文章详细了解。</span><br /></section><section ><section style="text-align: center"><section ><section ><p></p></section></section></section><section ></mp-common-mpaudio></section></section><p style="text-align: center"><span style="color: rgb(136, 136, 136)">电话语音节选</span></p><section ><span ><span style="color: rgb(33, 89, 103)"><strong><span >三、</span></strong></span><span style="color: rgb(33, 89, 103)"><strong><span >方案定制</span></strong></span></span></section><section ><span >确定了产品后，</span><span >方案很快出炉。</span></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvRe9Xtc5K8jAuUpyhbic5MHzIlqEEaeImgM3at8AaXJ89Wv7u8pQ1aqib8rN9R7CvhsnNPevZLs8bXQ%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvRe9Xtc5K8jAuUpyhbic5MHzIlqEEaeImgM3at8AaXJ89Wv7u8pQ1aqib8rN9R7CvhsnNPevZLs8bXQ/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></p><p style="text-align: center"><span style="color: rgb(136, 136, 136)">收益测算</span></p><section style="text-align: left"><span style="text-align: justify">41岁女性，投保大富翁3.0养老年金险。</span></section><section ><span >选择每年缴纳10万元，缴费期限为3年，共计缴费30万元。</span><strong ></strong></section><section ><strong ><span >从60岁开始，她每年能领取3.01万元的养老金，活多久领多久。</span></strong></section><section ><span >方案得到了王姐的认可，很快便完成了投保。</span></section><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_jpg%2FttibxYrpmzvRe9Xtc5K8jAuUpyhbic5MHzQ1XAfJTpT9mavlZt4TEKibibAJAvb6u8dh6MhZ17iaLMADnNHY1XTTSUg%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_jpg/ttibxYrpmzvRe9Xtc5K8jAuUpyhbic5MHzQ1XAfJTpT9mavlZt4TEKibibAJAvb6u8dh6MhZ17iaLMADnNHY1XTTSUg/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><p style="text-align: center"><span style="color: rgb(136, 136, 136)">王姐的保单</span></p><section ><span >解决完养老需求后，</span><span >她选择继续在懂保爷配置增额寿，</span><span >将</span><span >手头的闲置资金</span><span >做长期</span><span >保值增值。</span></section><section ><span >王姐和懂保爷的故事还在继续......</span></section><section style="text-align: left"><span ><em style="color: rgb(34, 34, 34)"><span style="color: rgb(33, 89, 103)"><strong ><span >有疑</span></strong></span></em><em style="color: rgb(34, 34, 34)"><span style="color: rgb(33, 89, 103)"><strong ><span >问，可以扫描下图二维码找我团队专业规划老师。</span></strong></span></em></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></mp-common-profile></section><section ><section ><br /></section></section><section ><br /></section><p ></mp-style-type></p>
