<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" 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 style="color: rgba(0, 0, 0, 0.9)"><span text >最近，</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 >市场上最热门的增额寿产品，就是华泰的</span><span text >华瑞金生2026</span><span text >了。</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 >我把产品拿过来分析了一下，确实有点东西，</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 >可以说，颠覆了我们之前分析的推荐策略。</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 >今天，我就从收益表现、公司实力以及分红表现几个方面带大家一起看看这款产品~</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 style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(64, 34, 15)">一</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 >华瑞金生2026收益表现如何？</span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >先说大家比较关心的收益表现，</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >这款产品支持趸交/3年交/5年交/10年交等多种缴费期。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >我就以收益表现最突出，大家选择比较多的</span><span text >趸交</span><span text >为例，</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >0岁男孩，趸交100万：</span></span></section><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXPxDCw2zkoKuOAn759TqFgIVSyETH3uxuBhmiawRicHm4xQHelXh7Q9n3oRqGKQUozaBssCiciccyQF2fCTRwYnsWEaRzbgCJLGAOA%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXPxDCw2zkoKuOAn759TqFgIVSyETH3uxuBhmiawRicHm4xQHelXh7Q9n3oRqGKQUozaBssCiciccyQF2fCTRwYnsWEaRzbgCJLGAOA/640?wx_fmt=png&from=appmsg" 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 >从测算表可以看到：</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >第</span><span text >2年末</span><span text >，华瑞金生2026预期现金价值达到</span><span text style="color: rgb(235, 201, 0)">100.54万</span><span text >。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >也就是说，</span><span text >仅用2年时间，预期现金价值就超过累计保费，实现回本</span><span text >。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >如果只看</span><span text >保证利益</span><span text >，第</span><span text >4年末</span><span text >，保证现金价值达到</span><span text style="color: rgb(235, 201, 0)">101.6万</span><span text >，实现保证回本。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >这个回本速度，真挺有安全感的。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >我们继续看长期数据：</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >保单第10年，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >保证现价约</span><span text style="color: rgb(235, 201, 0)">112.8万</span><span text >，预期现价约</span><span text style="color: rgb(235, 201, 0)">127.1万</span></span><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >，对应预期</span></span><span><span text style="color: rgb(235, 201, 0)">IRR2.43%</span><span text >；</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >保单第30年，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >保证现价约</span><span text style="color: rgb(235, 201, 0)">159.5万</span><span text >，预期现价约</span><span text style="color: rgb(235, 201, 0)">228.4万</span><span text style="color: rgb(0, 0, 0)">，对应预期</span><span text style="color: rgb(235, 201, 0)">IRR2.7%</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); text-align:justify"><span text >放在市场同类产品中，这个表现到底怎么样？</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >我把</span></span><span ><span style="color: rgba(0, 0, 0, 0.9)"><span text >华瑞金生2026</span></span><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >和之前测评过的市场上最热门、表现比较好的几款产品放在一起对比了一下，</span></span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >测算统一标准为：0岁男孩，趸交100万。</span></span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >1）预期收益表现如何？</span></span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >我们重点先看华瑞金生2026的预期收益表现：</span></span></span></p><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXOolYb7VMeuT9TwZ0P0GFrFUViar72y0Dc3GQicQSNpRfxaL5dyHbHPNGQvAibNeJa4RX5EBkL5IticibXPUNyMicC9Aj8onlHWsXvPM%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXOolYb7VMeuT9TwZ0P0GFrFUViar72y0Dc3GQicQSNpRfxaL5dyHbHPNGQvAibNeJa4RX5EBkL5IticibXPUNyMicC9Aj8onlHWsXvPM/640?wx_fmt=png&from=appmsg" 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="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >先对比回本速度，</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >第2年预期回本，依旧是</span><span text >速度最快</span><span text >的。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >我们再看长期表现，</span></span></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color:rgba(0, 0, 0, 0.9); text-align:justify"><span text >先看10年：</span></span></p><ul ><li><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >华泰-华瑞金生2026：</span><span text style="color: rgb(235, 201, 0)">127.12万</span></span></section></li><li><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >复保-星福家天马版：</span><span text style="color: rgb(235, 201, 0)">126.83万</span></span></section></li><li><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >陆家嘴国泰-泰赢家2.0：</span><span text style="color: rgb(235, 201, 0)">125.62万</span></span></section></li><li><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >中英-福满佳C款：</span><span text style="color: rgb(235, 201, 0)">124.39万</span></span></section></li><li><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >中意-一生中意（盛享版）：</span><span text style="color: rgb(235, 201, 0)">123.5万</span></span></section></li><li><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >复保-星福家朱雀版：</span><span text style="color: rgb(235, 201, 0)">122.26万</span></span></section></li></ul><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >华瑞金生2026</span><span text >位居榜首</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); text-align:justify"><span text >再看30年：</span></span></p><ul ><li><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >华泰-</span></span><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >华瑞金生2026：</span><span text style="color: rgb(235, 201, 0)">228.43万</span></span></section></li><li><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >复保-</span></span><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >星福家天马版：</span><span text style="color: rgb(235, 201, 0)">227.91万</span></span></section></li><li><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >陆家嘴国泰-</span></span><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >泰赢家2.0：</span><span text style="color: rgb(235, 201, 0)">225.71万</span></span></section></li><li><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >中英-</span></span><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >福满佳C款：</span><span text style="color: rgb(235, 201, 0)">224.31万</span></span></section></li><li><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >中意-</span></span><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >一生中意（盛享版）：</span><span text style="color: rgb(235, 201, 0)">222.38万</span></span></section></li><li><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >复保-星福家朱雀版：</span><span text style="color: rgb(235, 201, 0)">223万</span></span></section></li></ul><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >华瑞金生2026的预期现价</span><span text >依旧是最高的</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); text-align:justify"><span text >继续拉长时间：</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >保单第50年：</span></span></p><ul ><li><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >中英-</span></span><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >福满佳C款：</span><span text style="color: rgb(235, 201, 0)">413.68万</span></span></section></li><li><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >复保-</span></span><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >星福家朱雀版：</span><span text style="color: rgb(235, 201, 0)">412.46万</span></span></section></li></ul><ul ><li><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >华泰-</span></span><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >华瑞金生2026：</span><span text style="color: rgb(235, 201, 0)">410.58万</span></span></section></li><li><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >复保-</span></span><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >星福家天马版：</span><span text style="color: rgb(235, 201, 0)">409.63万</span></span></section></li><li><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >陆家嘴国泰-</span></span><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >泰赢家2.0：</span><span text style="color: rgb(235, 201, 0)">405.68万</span></span></section></li><li><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >中意-</span></span><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >一生中意（盛享版）：</span><span text style="color: rgb(235, 201, 0)">400.52万</span></span></section></li></ul><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >到了保单的这个阶段，</span></span><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >华瑞金生2026才开始被中英的福满佳C款以及复保的星福家朱雀版反超，不过差别都不大。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >在拆开看一下保证部分。</span></span></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >2）保证利益表现如何？</span></span></span></p><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXNkbxxtbe7u8LZAcRzal0sDHDInxufLTWt4mrJ7wZuvGf4uhB1HptCBj1MMmFG8KL2wtYBrKOKXxLVhw3z4AboMqJnXNq7iau5M%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXNkbxxtbe7u8LZAcRzal0sDHDInxufLTWt4mrJ7wZuvGf4uhB1HptCBj1MMmFG8KL2wtYBrKOKXxLVhw3z4AboMqJnXNq7iau5M/640?wx_fmt=png&from=appmsg" 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="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >很直观，</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color:rgba(0, 0, 0, 0.9); text-align:justify"><span text >4年保证回本，回本速度处于</span><span text >第一梯队</span><span text >，且</span><span text >整个保单周期</span><span text >它的</span><span text >保证现金价值都是最高的</span><span text >。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >能感受到，</span></span><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >华瑞金生2026的</span></span><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >底层确定收益很扎实，资产安全垫足够厚，很有优势。</span></span></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >总结一下，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >从上面的对比可以看到，华瑞金生2026的特点其实比较明显：</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >第一，</span></span><strong><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >前期现金价值增长速度快</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >无论是保证回本，还是预期回本，都处于市场第一梯队。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color:rgba(0, 0, 0, 0.9); text-align:justify"><span text >趸交第2年预期现金价值就超过本金，对于比较看重</span><span text >资金安全感和流动性的客户</span><span text >来说，这一点优势比较突出。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >第二，</span></span><strong><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >长期预期收益表现突出</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >在10年、30年这样的时间节点，华瑞金生2026的预期现金价值都处于几款热门产品的前列，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >虽然拉长到50年以上，部分产品凭借后期分红优势实现了反超，但整体差距都并不大。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >所以说，如果单纯看这个收益表现，</span></span><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><br /></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >华瑞金生2026的特点就是前期回本速度快、保证利益扎实，同时长期的预期收益保持市场前列。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >最近热度这么大，这么看挺合理的，优势真的很大。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><br /></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(64, 34, 15)">二</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >背后的保险公司华泰人寿怎么样？</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >当然，还是那句话：</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >分红险除了看产品本身的收益表现，更要看背后的</span><span text >保险公司</span><span text >。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >因为未来能拿到多少分红，很大程度取决于保险公司的</span><span text >股东实力、经营能力、投资能力、以及长期分红管理能力</span><span text >。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >一款优秀的分红增额寿，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >一定是产品本身收益实力跟保司经营稳定性的双向在线。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >那么，华泰人寿这家保险公司实力怎么样呢？</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >1)背靠安达保险集团，股东背景实力雄厚</span></span></p><p ><span><span text >华泰人寿成立于2005年，</span></span></p><p ><span><span text >主要股东包括</span><span text >华泰保险集团</span><span text >和</span><span text >安达保险集团</span><span text >。</span></span></p><p ><span><span text >对投资感兴趣的朋友，大概率听说过安达这家保险公司。</span></span></p><p ><span><span text >因为这是</span><span text >股神巴菲特</span><span text >的十大重仓股之一。</span></span></p><section style="text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXMlOwv2iafXeIyo9md8BvP9qPia0fp3gSszM2FotRMrxG5aBEGhIuqtGibKnNUF2iclFUb87rfTABPGjeUfwXgkjWVpA0SQpHib1pE0%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXMlOwv2iafXeIyo9md8BvP9qPia0fp3gSszM2FotRMrxG5aBEGhIuqtGibKnNUF2iclFUb87rfTABPGjeUfwXgkjWVpA0SQpHib1pE0/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><p style="text-align: center"><span><span text style="color: rgb(136, 136, 136)">数据来源：澎湃新闻</span></span></p><p ><span><span text >另外9家分别是</span><span text >苹果、美国运通、可口可乐、美国银行、雪佛龙、西方石油、Alphabet、穆迪、</span></span><span link-id="link-1785208623384-0.24968318525688915"><span><span text >卡夫亨氏</span></span></span><span><span text >。</span></span></p><p ><span><span text >能被巴菲特持续看好，本身就很有说服力。</span></span></p><p ><span ><span text >另外，它成立于1792年，至今已有230多</span></span><span><span text >年历史，</span></span></p><p ><span><span text >一家保险公司能够穿越两个多世纪，经历全球多轮经济周期、金融危机，依然保持稳定经营，本身也是长期实力的一种体现。</span></span></p><p ><span><span text >2）偿付能力稳定，风险管理能力较强</span></span></p><p ><span><span text >看完股东背景，再来看保险公司自身经营情况。</span></span></p><p ><span><span text >根据公开披露的最新数据，</span></span></p><p ><span><span text >华泰人寿核心偿付能力充足率约</span><span text style="color: rgb(235, 201, 0)">149.23%</span><span text >；综合偿付能力充足率约</span><span text style="color: rgb(235, 201, 0)">175.01%</span><span text >；最新风险评级保持</span><span text style="color: rgb(235, 201, 0)">A级</span><span text >，整体远高于监管要求。</span></span></p><p ><span><span text >另外，华泰人寿SARMRA评分达到了</span><span text style="color: rgb(235, 201, 0)">81.03分</span><span text >，</span></span><span ><span text >非常出色。</span></span></p><p ><span><span text style="color: rgb(136, 136, 136)">SARMRA主要考察保险公司的风</span></span><span ><span text style="color: rgb(136, 136, 136)">险管理能力，可以理解为监管对保险公司经营风险的一次综合“体检”，70分是合格门槛，得分越高，意味着保险公司风险管控水平越强。</span></span></p><p ><span><span text >总之，不管是偿付能力、风险评级还是风控得分，各项指标表现都还不错，经营层面的稳定性值得信赖。</span></span></p><p ><span><span text >3）万亿级华泰资管，支撑长期投资能力</span></span></p><p ><span><span text >分红险未来能不能持续产生收益，本质上取决于保险公司的</span><span text >资产管理能力</span><span text >。</span></span></p><p ><span><span text >华泰人寿背后拥有自己的</span><span text >华泰资产管理公司</span><span text >。</span></span></p><p ><span><span text >作为国内较早成立的保险资管机构之一，华泰资管目前管理规模达到</span><span text style="color: rgb(235, 201, 0)">万亿级</span><span text >。</span></span></p><p ><span><span text >而且，它并不只是管理华泰自身的资金，</span></span></p><p ><span><span text >还受托服务数百家各类机构资金，合作客户覆盖面很广，其中</span><span text >包含多家头部银行、同业保险机构，还有大量中央及地方国企、央企</span><span text >。</span></span></p><p ><span><span text >值得一说的是，华泰资管也是</span><span text >基本养老金</span><span text >的管理机构之一。</span></span></p><section style="text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXP4TicBe2lTOEjIBWNqHKUJAUMMSECsicdTkf4ApFpnALAu4oE7mg3nHJXcOOcibxVw7b7WrJYGu6icM5FceQtia259HRSVMGDwic310%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXP4TicBe2lTOEjIBWNqHKUJAUMMSECsicdTkf4ApFpnALAu4oE7mg3nHJXcOOcibxVw7b7WrJYGu6icM5FceQtia259HRSVMGDwic310/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><p ><span><span text >有国家背书，这个可靠程度不用我多说吧~</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >4）</span></span><span ><span text >分红表现如何？看过去数据更有参考价值</span></span></p><p ><span><span text >现在，我们来看大家最关心的，华泰人寿过去分红表现怎么样？</span></span></p><p ><span><span text >华泰人寿从2014年开始持续披露分红实现率，</span></span></p><p ><span><span text >已经连续公布超过</span><span text >11年</span><span text >。</span></span></p><p ><span><span text >从历史数据来看：</span></span></p><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXPyc4Eib9Myibbqib2JaiaEbLaCB3uXs2vIHicROvjwviaGWHvEBlEkicIrxLiatalg9HJl54hpOyL50ChOx0ywHMB750EQR9Bmiak9eqb8%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXPyc4Eib9Myibbqib2JaiaEbLaCB3uXs2vIHicROvjwviaGWHvEBlEkicIrxLiatalg9HJl54hpOyL50ChOx0ywHMB750EQR9Bmiak9eqb8/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><p ><span><span text >2014年至2022年期间，华泰旗下分红产品整体分红实现率保持较高水平，基本都是</span><span text >超额完成</span><span text >。</span></span></p><p ><span><span text >当然，这一阶段整体市场投资环境较好，</span></span></p><p ><span><span text >行业优秀保险公司普遍表现不错。</span></span></p><p ><span><span text >真正需要关注的是2023年以后，随着</span><span text >监管调整演示利率，以及市场投资环境变化</span><span text >，整个行业分红实现率都有明显下降。</span></span></p><p ><span><span text >华泰近两年的分红实现率分别为</span><span text style="color: rgb(235, 201, 0)">50%、60%</span><span text >。</span></span></p><p ><span><span text >单看这个数字，可能很多人会觉得：“是不是分红能力下降了？”</span></span></p><p ><span><span text >说实话，我的第一反应也是如此。</span></span></p><p ><span><span text >但后面我又查阅了华泰的客户收益率，</span></span><span><br /></span></p><p ><span><span text >发现2023年</span></span><span><span text >华泰的分红产品里，客户实际收益率基本在</span><span text style="color: rgb(235, 201, 0)">3.2%</span><span text >;</span></span></p><p ><span><span text >2024年,客户实际收益率最高达到</span><span text style="color: rgb(235, 201, 0)">3.53%</span><span text >，多数产品收益率突破</span><span text style="color: rgb(235, 201, 0)">3.2%</span><span text >。</span></span></p><p ><span><span text >放在监管调整后的市场环境下，这个收益水平依然具有竞争力。</span></span></p><p ><span><span text >可能很多朋友会好奇，分红实现率只有50%、60%，为什么客户收益率还不错？</span></span></p><p ><span><span text >篇幅原因，这里不展开讲太复杂。</span></span></p><section ><span><span><span text >简单说就是因为分红实现率是</span><span text >实际分红除以计划书演示红利</span><span text >。</span></span></span></section><section ><span><span><span text >2023年监管调整分红演示规则之前，老产品计划书的演示假设偏乐观，等于对比基准线设置得很高。</span></span></span></section><section ><span><span><span text >市场环境下行之后，真实分红很难追上早年乐观预估，直接造成实现率数值走低。 </span></span></span></section><section ><span><span><span text >也就是说，实现率偏低，更多是和</span><span text >过去偏高的演示预期对比的结果</span><span text >。 </span></span></span></section><section ><span><span><span text >但客户收益率看的是</span><span text >保证现价加上实际到手红利，横向对标当下市场产品，收益水平依旧能打</span><span text >。</span></span></span></section><p ><span><span text >5）设有分红特储账户，且连续多年保持分红特储为正</span></span></p><p ><span><span text >除了看过去分红结果，</span></span></p><p ><span><span text >还可以看保险公司有没有平滑未来波动的能力。</span></span></p><p ><span><span text >分红特别储备，简单理解就是保险公司为了应对未来投资环境变化，提前留存的一部分资金，</span></span></p><p ><span><span text >它的作用，就是让分红水平更加平稳，不至于大起大落。</span></span></p><p ><span><span text >华泰人</span></span><span ><span text >寿</span></span><span ><span><span text >设有专门的分红特储账户（特别储备金），并且，还</span></span></span><span><span text >连续多年保持</span><span text >分红特别储备为正</span><span text >。</span></span></p><p ><span><span text >这就意味着，它有一定的资金储备能力，可以在未来市场环境发生变化、投资收益出现波动时，</span></span></p><p ><span><span text >通过储备资金对分红水平进行平滑调整，尽量</span><span text >减少短期市场波动对客户分红的影响</span><span text >~</span></span></p><p ><span><br /></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(64, 34, 15)">三</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >最后总结一下</span></span></p><p ><span><span text >完整分析下来，可以发现，</span></span></p><p ><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >华瑞金生2026</span></span><span><span text >确实是一款</span><span text >综合竞争力比较强</span><span text >的分红增额寿产品。</span></span></p><p ><span><span text >从收益表现来看，</span></span></p><p ><span><span text >趸交第2年预期回本，第4年保证回本，现金价值增长速度非常快，整体收益表现也很突出。</span></span></p><p ><span><span text >从公司层面来看，</span></span></p><p ><span><span text >背靠安达集团，拥有稳定的股东背景；</span></span></p><p ><span><span text >偿付能力、风险评级、资产管理能力也都比较扎实；</span></span></p><p ><span><span text >再加上多年分红险经营经验和分红储备能力，为未来长期分红提供了一定基础。</span></span></p><p ><span><span text >总之，如果你有配置长期稳健资产的需求，可以重点看着一款。</span></span></p><p ><span><span text >需要按照自己的</span><span text >年龄、保费做个性化的测算</span><span text >的话</span><span text >，随时找我聊一聊。</span></span></p><p ><span><span text >另外，我也整理了一份包括国寿、太保等目前市场热门保司的</span><span text >分红增额寿产品对比表</span><span text >，</span></span></p><p ><span><span text >涵盖了</span><span text >保证现金价值、预期收益、IRR、公司实力、分红表现</span><span text >等核心指标，可以找我免费领取对比数据。</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" 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="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><br /></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span >有空的话，前面几篇重要文章可能也值得一看：</span></span></section><section style="color: rgba(0, 0, 0, 0.9); 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