<section style="text-align: center"><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447790313&idx=2&sn=55e0cf403a3327c58f7dfcc77ea888c8&chksm=b2b077ab85c7febda44a18349455223c46e61a6d8082f6f51e7dcbb9a81e93eba23d8e4d1845&scene=21#wechat_redirect" textvalue="你已选中了添加链接的内容" tab="innerlink" hasload="1" wah-hotarea="click" ><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FO95eeDepqTMXOFPQuof0Ru0cbJYpagvrxe8scnsbsXLYsqLllPT4d1icKRw8miazjY1ndtZFk2sOXvLI89Sib1CicQ%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/O95eeDepqTMXOFPQuof0Ru0cbJYpagvrxe8scnsbsXLYsqLllPT4d1icKRw8miazjY1ndtZFk2sOXvLI89Sib1CicQ/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></span></a></section><p 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></p><p style="text-align: center"><br /></p><section ><span >今天来聊2款非常优秀的年金险，上线没多久，名叫<strong ><span style="color: rgb(34, 34, 34); text-align: start">百岁人生</span></strong>。</span></section><section ><br /></section><section ><span >之所以说2款，是这款百岁人生有2个版本：<strong>福享版、禄享版</strong></span><span style="color: rgb(136, 136, 136)">（也叫乐养多）</span><span >。</span></section><section ><span ><br /></span></section><section ><span >这俩保障责任各不相同，分别拥有独立的条款。</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(136, 136, 136)">类似之前的「养多多」<span >年金险</span>，养多多的2个版本也算2款独立产品了。<br /></span></section><section ><br /></section><section ><span >下面一起来看看。</span></section><section ><br /></section><section ><span ><section ><section style="text-align: left"><section ><section style="color: rgb(50, 135, 156)"><section style="text-align: center"><span style="color: rgb(33, 89, 103)"><strong >一、百岁人生产品详情</strong></span></section></section></section></section></section></span></section><section ><br /></section><section ><span >百岁人生产品详情如下：</span></section><section ><br /></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTNffU6RcGZxzibFsU98ABpEwThFJSnM7NtE9lAFRon9cc7aCFpD8iaAuK0JorKdK1ytnycVdib8zcUjQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTNffU6RcGZxzibFsU98ABpEwThFJSnM7NtE9lAFRon9cc7aCFpD8iaAuK0JorKdK1ytnycVdib8zcUjQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section ><br /></section><section ><span >两个版本的<span >承保规则基本一致</span>，区别只在于<strong >「</strong><strong >年金领取</strong><strong >」</strong>和<strong >「</strong><strong >身故责任</strong><strong ><strong >」：</strong></strong></span></section><section ><br /></section><ul ><li ><p ><strong ><span >福享版</span></strong><span >有</span><strong ><span >保证领取</span></strong><span >，领的养老金少些，但可保证领取至80岁；<strong ></strong></span><strong ></strong></p></li><li ><p ><strong ><span >禄享版</span></strong><span >只能保证领取保费，但领的养老金多些。<br /></span></p></li></ul><section ><br /></section><section ><span style="color: rgb(136, 136, 136)">举个例子：</span></section><section ><br /></section><section ><span style="color: rgb(136, 136, 136)">假设老王花10万投了份百岁人生。<br /></span></section><section ><br /></section><section ><span style="color: rgb(136, 136, 136)">如果投了福享版，60岁后每年领1.5万养老金，要是领5年后身故，那么保险公司会把剩下15年保证领取的钱（30万-7.5万=22.5万）一次性给老王的家人。</span></section><section ><br /></section><section ><span style="color: rgb(136, 136, 136)">如果投保禄享版，60岁后每年领2万，老王领5年后身故，就没钱可拿了（<span >10万-2万×5=0</span>）。</span></section><section ><br /></section><section ><span >至于另一个区别<strong >「</strong><strong >身故责任<strong ><strong >」</strong></strong></strong>，分情况看：</span></section><section ><br /></section><section ><span >领取养老金之前，福享版/禄享版身故责任一样：已交保费和现金价值，哪个多就赔哪个。</span></section><section ><br /></section><section ><span >主要是领取养老金之后的区别：</span></section><section ><br /></section><ul ><li ><p ><span >福享版虽然领的钱少些，但身故后，保险公司会把保证领取20年中剩下未领的一次性赔给受益人</span><span style="color: rgb(136, 136, 136)">（前面有举例）</span><span >。<br /></span></p></li></ul><section ><br /></section><ul ><li ><p ><span >禄享版领的钱多些，但身故后，保险公司只把<strong >已交保费</strong>扣去<strong >已经领取的养老金</strong>，剩下的钱赔给受益人。</span></p></li></ul><section ><br /></section><section ><span >说完百岁人生2个版本的区别，下面再聊聊它的产品特色。</span></section><section ><br /></section><section ><span style="color: rgb(33, 89, 103)">1、终身都有现金价值</span></section><section ><br /></section><p ><span >是的，2个版本的百岁人生现金价值都是终身持有。</span></p><p ><span ><br /></span></p><p ><span >这就意味着我们投保后，可以随时随地通过<strong>减保、退保</strong>拿钱。</span></p><p ><br /></p><section ><span style="color: rgb(136, 136, 136)"><span style="color: rgb(136, 136, 136)">举个例子：</span><span style="color: rgb(136, 136, 136)">老王投保了百岁人生，60岁后每年能领8万，</span></span></section><section ><span style="color: rgb(136, 136, 136)"><br /></span></section><section ><span style="color: rgb(136, 136, 136)">70岁时急用钱，直接退保能把80万<span style="color: rgb(136, 136, 136)">现金价值全部拿出来用</span>。</span></section><section ><br /></section><section ><span >这在一众<span >“<span >领取年金后现金价值归0，或不能退保</span>”</span>的年金险中，算是非常优秀了。</span><br /></section><p ><br /></p><p ><span style="color: rgb(33, 89, 103)">2、收益很高</span></p><p ><br /></p><p ><span >我们以30岁男性，每年投5万，交10年，60岁领取为例，给大家看看它们的收益：</span></p><p ><br /></p><section style="text-align: center"><span style="color: rgb(123, 127, 131)"><strong >滑动查看长图 </strong></span></section><section ><section style="text-align: center"><section ><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTNffU6RcGZxzibFsU98ABpEw042YgavFEWicEvuOichgDzqOZyoibHqDiau4M8OfxFu5XSxjciaiaXdYib9rA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTNffU6RcGZxzibFsU98ABpEw042YgavFEWicEvuOichgDzqOZyoibHqDiau4M8OfxFu5XSxjciaiaXdYib9rA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section></section></section></section><section ><br /></section><section ><span ><span >福享版每年能领69600元的养老金，禄享版更高，有75000元</span><span style="color: rgb(136, 136, 136)"><span >（禄享版</span><span >比福享版多领取</span><strong >5400</strong>元/年）</span><span >。</span></span></section><section ><span ><br /></span></section><section ><span >以禄享版为例，总投入50万：</span></section><section ><br /></section><ul ><li ><p ><span >70岁时养老金收入82.5万，是投入资金的<strong >1.65倍</strong>；</span></p></li><li ><p ><span >80岁时养老金<span >收入157.5万，</span>是投入资金的<strong >3.15倍</strong>；</span></p></li><li ><p ><span >90岁时养老金<span >收入232.5万，</span>是投入资金的<strong >4.65倍</strong>！</span></p></li></ul><section ><br /></section><section ><span >要是对此没啥概念，我们以反映真实收益的标杆—</span><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447794319&idx=1&sn=63c58da16ca04b9abc2d6f2ed1ed64a4&chksm=b2b047cd85c7cedb353b19c7b8fb6a283539604aa549f7374b21e8fd5cd9ea35f828bd037e4d&scene=21#wechat_redirect" textvalue="实际收益率（IRR）" tab="innerlink" wah-hotarea="click" hasload="1" ><span >实际收益率（IRR）</span></a><span >来看。</span></section><section ><br /></section><section ><span style="color: rgb(136, 136, 136)">IRR是金融体系里衡量投资收益率高低的唯一标准，具体原理比较复杂，大家没必要去细究，只要知道实际收益率（IRR）越高，代表收益越高就行；</span></section><section ><br /></section><section ><span >领取20年养老金后</span><span style="color: rgb(136, 136, 136)">（80岁时）</span><span >，禄享版IRR就能达到3.76%，领取30年后IRR高达<strong >4.10%</strong>！</span></section><section ><br /></section><section ><span >这收益，已经是所有理财险中的<span >“顶流”</span>了。</span></section><section ><br /></section><section ><strong ><span style="color: rgb(33, 89, 103)">那百岁人生有啥不足吗？</span></strong></section><section ><br /></section><section ><span >其实就一个：</span><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247491024&idx=1&sn=04d47e9b96f4dd8a1a3a22cb027c1da4&chksm=cfb5fe50f8c277469205fd2df64d40b13fc493d9ebec203c0d72f611a44a8e7116ad5f0e2689&scene=21#wechat_redirect" textvalue="福瑞一生" tab="innerlink"><span >福瑞一生</span></a><span >。</span></section><section ><span ><br /></span></section><section ><span >福瑞一生年金收益目前最高，比禄享版还高，因此追求极致收益的朋友，可能更适合这款。</span></section><section ><span ><br /></span></section><section ><span >但它也有缺点，例如领取年金后，现金价值归零，不灵活。</span></section><section ><span ><br /></span></section><section ><span >并且</span><span >缴费期最长5年，起投保额高达5万，门槛太高。</span></section><section ><br /></section><section ><span >如果手边预算不是很多，或者在意现金价值这块，那百岁人生无疑更适合你。</span></section><section ><br /></section><section ><span ><section ><section style="text-align: left"><section ><section style="color: rgb(50, 135, 156)"><section style="text-align: center"><span style="color: rgb(33, 89, 103)"><strong >二、和其他高收益年金险对比</strong></span></section></section></section></section></section></span></section><section ><br /></section><section ><span >我们下面把百岁人生和当前<strong >收益第一梯队</strong>的几款商业养老金：</span></section><section ><br /></section><section ><span >福瑞一生、臻享一生、光明慧选、养多多（A/B款）做个对比，看看收益怎么样：</span></section><section ><br /></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTNffU6RcGZxzibFsU98ABpEwNR4icFoGOVddicze0SuMw3oqyRMHDCZ1Qs6XY40CFU4ib07VYG84KRm5w%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTNffU6RcGZxzibFsU98ABpEwNR4icFoGOVddicze0SuMw3oqyRMHDCZ1Qs6XY40CFU4ib07VYG84KRm5w/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section ><br /></section><section ><span style="color: rgb(33, 89, 103)">从领取金额来看</span></section><section ><br /></section><section ><span ><strong >福瑞一生</strong>领的养老金最多，其次是<strong >百岁人生（禄享版）</strong>。</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(33, 89, 103)">从保证领取来看</span></section><section ><br /></section><section ><span >除百岁人生（禄享版）、养多多B款无保证领取外，其他产品都有最少20年的保证领取。</span></section><section ><br /></section><section ><span style="color: rgb(33, 89, 103)">从现金价值来看</span></section><section ><br /></section><section ><span >没领取养老金前，<strong >福瑞一生</strong>现金价值最高，</span></section><section ><br /></section><section ><span >但是领取养老金后，<strong >臻享一生</strong>和<strong ><strong >百岁人生（禄享版）</strong></strong>的现金价值并列最高，并且现金价值终身存在。</span></section><section ><br /></section><section ><span >综上：</span></section><section ><br /></section><section ><strong ><span >想好好养老、拿更多养老金</span></strong><span >，</span></section><section ><span ><br /></span></section><section ><span >要是<span >手头资金较多，能接受短期高保额缴费</span>，就推荐福瑞一生，领的养老金当前最多，还有20年保证领取。</span></section><section ><br /></section><section ><span >要是预算不多，可以考虑低门槛的百岁人生（禄享版），不仅收益和福瑞一生差距不大，现金价值更是终身都有。</span></section><section ><br /></section><section ><strong ><span >此外</span></strong><span >，百岁人生<span >（福享版</span><span >）</span>、光明慧选都还行，也值得投保，</span></section><section ><br /></section><section ><span style="color: rgb(136, 136, 136)">臻享一生和养多多（A/B款）基本被2款百岁人生覆盖了，投保价值不大。</span></section><section ><br /></section><section ><span style="color: rgb(33, 89, 103)">「<span >百岁人生（福享版）</span>」投保入口：</span></section><section ><br /></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FO95eeDepqTNffU6RcGZxzibFsU98ABpEwWbibXMboObxdfQvM52iaxNnY5a8ibnlrqRSMzgFmiajOmHiaILMXk5JdeTw%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/O95eeDepqTNffU6RcGZxzibFsU98ABpEwWbibXMboObxdfQvM52iaxNnY5a8ibnlrqRSMzgFmiajOmHiaILMXk5JdeTw/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></p><section style="text-align: center"><span style="color: rgb(136, 136, 136)">长按识别上方二维码投保</span></section><section style="text-align: center"><br /></section><section ><span style="color: rgb(33, 89, 103)">「乐养多/<span >百岁人生（禄享版）</span>」投保入口：</span></section><section ><br /></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FO95eeDepqTNffU6RcGZxzibFsU98ABpEwSNzicARzLRSZlVZKZJb48RlggxU4ztjLZImkwpMgukeaNce5GU3sOTg%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/O95eeDepqTNffU6RcGZxzibFsU98ABpEwSNzicARzLRSZlVZKZJb48RlggxU4ztjLZImkwpMgukeaNce5GU3sOTg/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></p><section style="text-align: center"><span style="color: rgb(136, 136, 136)">长按识别上方二维码投保</span></section><section style="text-align: center"><span style="color: rgb(136, 136, 136)"><br /></span></section><section ><span ><section ><section style="text-align: left"><section ><section style="color: rgb(50, 135, 156)"><section style="text-align: center"><span style="color: rgb(33, 89, 103)"><strong >写在最后</strong></span></section></section></section></section></section></span></section><section ><br /></section><p ><span >不知道大家是怎么看待养老问题的，有没有想过自己的老年生活？</span></p><p ><span ><br /></span></p><p ><span >就现状来看，买商业养老保险的人或者说有这个意识的人还是太少了。</span><strong ></strong></p><p ><br /></p><p ><strong><span >未富先老的困境，正萦绕在我们身边。</span></strong><span ></span></p><p ><span ><br /></span></p><p ><span >国家层面其实努力了很久，但养老第三支柱仍没有多大进展，好在种种迹象表明还有机会。</span></p><p ><span ><br /></span></p><p ><span >当然，不管未来咋样，还是建议</span><span ></span><span >大家早做打算，一定要避免陷入<span >“被动”</span>。</span></p><p ><br /></p><section ><span >今天我们说的这些年金险，大家可以通过长按下方二维码<span >找到详细了解、在线投保</span>：</span></section><section ><br /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEcztskunFytwCia8wiaepDysSMfibGPhus2GWI24rk1bgP11ShL6CSf2ejAS4QfR8O8EpMDZzrjcx3aDDQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEcztskunFytwCia8wiaepDysSMfibGPhus2GWI24rk1bgP11ShL6CSf2ejAS4QfR8O8EpMDZzrjcx3aDDQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><br /></section><section ><span >或点击文末“</span><span style="color: rgb(33, 89, 103)"><strong >阅读原文</strong></span><span >”也可以。</span></section><section ><br /></section><section ><strong ><span style="color: rgba(0, 0, 0, 0.9); text-align: start"></span></strong><strong style="color: rgb(0, 0, 0)"><span >有任何疑问可加我助手微信：dongbaoye888</span></strong><strong style="color: rgb(0, 0, 0)"><span ></span></strong></section><section ><br /></section><section ><span style="color: rgb(0, 0, 0)"><strong ><span >或点击</span></strong></span><span ><span style="color: rgb(33, 89, 103)"><strong ><span style="color: rgb(33, 89, 103)">懂保爷</span></strong><strong ><span >公众号“免费咨询”菜单</span></strong></span><span style="color: rgb(0, 0, 0)"><strong ><span >找我团队专业保险规划老师帮你解决。</span></strong></span></span></section><section ><br /></section><section ><span style="color: rgb(0, 0, 0)">相关阅读：</span></section><section ><br /></section><section ><strong><span >福瑞一生评测：</span></strong><span ></span><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247491024&idx=1&sn=04d47e9b96f4dd8a1a3a22cb027c1da4&chksm=cfb5fe50f8c277469205fd2df64d40b13fc493d9ebec203c0d72f611a44a8e7116ad5f0e2689&scene=21#wechat_redirect" tab="innerlink" ><span >目前最牛x的年金险：福瑞一生</span></a><br /></section><section ><span ><strong ><span >其他投资理财险评测：</span></strong><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447794611&idx=1&sn=4168017b72106ab244e578002853a3f8&chksm=b2b046f185c7cfe7becb6774e49f13693ebecc70baff4d4993bb84ab6cfe9dd60fbc2b4b958d&scene=21#wechat_redirect" tab="innerlink" wah-hotarea="click" hasload="1" >中期收益最高的增额寿险上线，值不值得买？</a></span></span></section><section ><span ><strong >网上投保：</strong></span><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447787719&idx=1&sn=a9b80b3e85772fe569fb8a4dfbc4ba4a&chksm=b2b0618585c7e8934554004c34922a850cd82a9537ee2a7868e440eec2688d759e17e1cc4968&scene=21#wechat_redirect" tab="innerlink" hasload="1" wah-hotarea="click" ><span >「网上」</span>买保险靠谱吗？</a></section><section ><span ><strong >保险公司大小：</strong><strong ></strong><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447791906&idx=1&sn=2ce60e5394a0cbc2a4b1ca0feca31c04&chksm=b2b0706085c7f97675a310f1e6e0655a3b2aa8816dc1feedae32ef31bd9122b933b2190116eb&scene=21#wechat_redirect" tab="innerlink" hasload="1" wah-hotarea="click" >这个保险公司没听过，产品能买吗？理赔靠谱吗？</a></span></section><section style="text-align: center"><br /></section><section style="text-align: center"><span ><span >— </span><strong >END </strong><span >—</span></span></section><section style="text-align: center"><span style="color: rgb(0, 0, 0)"><strong >愿你家的保单永不出险！</strong></span></section><section style="text-align: center"><br /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FaqibLpHUEcztskunFytwCia8wiaepDysSMfE3VwhSiaK8siaOT9TuTk1zdwnnNQxrWZ5P8bwZP6icia0z7fyVElB7hctw%2F640%3Fwx_fmt%3Dgif" 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103)"><strong >在看</strong></span></span><span style="color: rgb(0, 0, 0)">吧</span><span >，谢谢！</span></p></section></section></section>
