<section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZC4w173bIM8Ve6PiazqXw6gGibibAXad1d9QvTuJS0jDe0DlMZ9YLaEphrRsmNF8yKPbGgh8mjiaBc9xw%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZC4w173bIM8Ve6PiazqXw6gGibibAXad1d9QvTuJS0jDe0DlMZ9YLaEphrRsmNF8yKPbGgh8mjiaBc9xw/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><span >书接上回，测评完</span><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247496838&idx=1&sn=4675540ebd38111ad7fdf03871d75083&chksm=cfb61706f8c19e103b78dfaf284bcd71a2047aeb7e6b679bac62f9e68576f622304663aa5a3e&scene=21#wechat_redirect" textvalue="“宇宙第一大行”卖的增额寿，是啥水平？" linktype="text" imgurl="" imgdata="null" tab="innerlink" ><span >“宇宙第一大行”卖的增额寿，是啥水平？</span></a></section><p ><span >今天我们接着来看排名老二的<strong>中国建设银行</strong>卖啥产品。</span></p><p ><br /></p><section ><section style="text-align: center" powered-by="xiumi.us"><section ><section powered-by="xiumi.us"><section ><section style="text-align: left" powered-by="xiumi.us"><section ><section powered-by="xiumi.us"><section style="text-align: center"><section ><section style="text-align: justify" powered-by="xiumi.us"><p ><br /></p></section></section></section></section></section><section ><section powered-by="xiumi.us"><section style="text-align: center"><section ><section style="text-align: justify" powered-by="xiumi.us"><p ><br /></p></section></section></section></section></section><section ><section powered-by="xiumi.us"><section style="text-align: center"><section ><section style="text-align: justify" powered-by="xiumi.us"><p ><br /></p></section></section></section></section></section></section></section><section ><section style="text-align: justify; color: rgb(69, 107, 176)" powered-by="xiumi.us"><p ><span >01</span><br /></p></section></section><section ><section powered-by="xiumi.us"><section style="text-align: left"><section ><section powered-by="xiumi.us"><section style="text-align: center"><section ><section style="text-align: justify" powered-by="xiumi.us"><p ><br /></p></section></section></section></section></section><section ><section powered-by="xiumi.us"><section style="text-align: center"><section ><section style="text-align: justify" powered-by="xiumi.us"><p ><br /></p></section></section></section></section></section><section ><section powered-by="xiumi.us"><section style="text-align: center"><section ><section style="text-align: justify" powered-by="xiumi.us"><p ><br /></p></section></section></section></section></section></section></section></section></section></section></section></section><p ><span >今天参与测评的有12款在建行热销的增额终身寿，产品如下：</span></p><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZCuCTDAUzkF1Ijdh4dYiczm3jmRM2CcSEdMs92DiaIaJZ0OqUI16FIUqXwxDSWoy8VSKOrN56ocyjnQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZCuCTDAUzkF1Ijdh4dYiczm3jmRM2CcSEdMs92DiaIaJZ0OqUI16FIUqXwxDSWoy8VSKOrN56ocyjnQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><p ><span >和隔壁工行一样，建设银行在保险业也有自己的“亲儿子”——<strong>建信人寿（CCB Life）</strong>。</span></p><p ><span >大家要是去建行咨询，首推产品通常就是建信人寿的。</span></p><p ><span >还有就是华夏、和谐、中荷、幸福等银行渠道常见保险公司了。</span></p><p ><span >另外，很多银行渠道产品是重合的。</span></p><p ><span >例如上回测评工行产品时，大家、阳光、新华、富德生命的增额寿，建行也有销售。</span></p><p ><span >只是考虑到上次已经聊过，现在开始我尽量给大家找些新面孔。<br /></span></p><p ><span >下面就来看看这些产品的真实情况。<br /></span></p><p ><span >老规矩，我们仍选一个市面第一梯队的增额寿产品作为对照组。<br /></span></p><section ><span >看看常规的4个缴费期下：趸交、3年交、5年交和10年交这些建行代销产品的表现如何！</span></section><section ><span ><br /></span></section><section ><section style="text-align: center" powered-by="xiumi.us"><section ><section powered-by="xiumi.us"><section ><section style="text-align: left" powered-by="xiumi.us"><section ><section powered-by="xiumi.us"><section style="text-align: center"><section ><section style="text-align: justify" powered-by="xiumi.us"><p ><br /></p></section></section></section></section></section><section ><section powered-by="xiumi.us"><section style="text-align: center"><section ><section style="text-align: justify" powered-by="xiumi.us"><p ><br /></p></section></section></section></section></section><section ><section powered-by="xiumi.us"><section style="text-align: center"><section ><section style="text-align: justify" powered-by="xiumi.us"><p ><br /></p></section></section></section></section></section></section></section><section ><section style="text-align: justify; color: rgb(69, 107, 176)" powered-by="xiumi.us"><p ><span >02</span><br /></p></section></section><section ><section powered-by="xiumi.us"><section style="text-align: left"><section ><section powered-by="xiumi.us"><section style="text-align: center"><section ><section style="text-align: justify" powered-by="xiumi.us"><p ><br /></p></section></section></section></section></section><section ><section powered-by="xiumi.us"><section style="text-align: center"><section ><section style="text-align: justify" powered-by="xiumi.us"><p ><br /></p></section></section></section></section></section><section ><section powered-by="xiumi.us"><section style="text-align: center"><section ><section style="text-align: justify" powered-by="xiumi.us"><p ><br /></p></section></section></section></section></section></section></section></section></section></section></section></section><p ><span style="color: rgb(34, 101, 193)"><strong><span style="color: rgb(34, 101, 193)">1、趸交</span></strong></span></p><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTOZQaDNDsMCichpoGUicoLGmuM8Fcxfp4LhlcsK7BZr0k85lLjys8nferGg1RB93QYKmPYEWyRwnFnQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTOZQaDNDsMCichpoGUicoLGmuM8Fcxfp4LhlcsK7BZr0k85lLjys8nferGg1RB93QYKmPYEWyRwnFnQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><p ><span >北大方正的鑫如意（吉祥版）不支持趸交，我们暂且不提。<br /></span></p><section ><span >剩余的11款当中，全周期综合现金价值排名前3的分别是：<br /></span></section><section ><span ><span style="color: rgb(34, 101, 193)">英大-尊享世家＞中华-福多多（铂金版）＞中荷-家业长青J款；</span><span ><br /></span></span></section><section ><span >其中，封闭期最短的是家业长青J款，第3年现金价值就超过已交保费！</span></section><section ><span >并且前期现金价值表现很好，但中后期明显不如尊享世家和福多多（铂金版）。</span></section><section ><span >尊享世家虽然在这3款当中封闭期最长，但是第7年以后现金价值就达到top1！</span></section><section ><span >到保单第30年，退保利率就达到了3.3%+的水平。</span></section><section ><span >到保单第50年，退保利率能达到3.4%，这算是很不容易的了！</span></section><section ><span >不过和市面第一梯队的产品相比还存在一定差距，</span></section><section ><span >例如选取的参照组到持有保单20年，退保利率就突破了3.4%。</span></section><section ><span style="color: rgb(34, 101, 193)"><strong><span style="color: rgb(34, 101, 193)">2、三年缴费期</span></strong></span><span ><br /></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTOZQaDNDsMCichpoGUicoLGmu1tCia7ZffasBGKrj5om4ZDiaTeicDPRxluU3of2jfWjDkRMBOlwEjJaibQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTOZQaDNDsMCichpoGUicoLGmu1tCia7ZffasBGKrj5om4ZDiaTeicDPRxluU3of2jfWjDkRMBOlwEjJaibQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><p ><span >3年交下，全周期综合现金价值排名前3的是：</span></p><p ><span style="color: rgb(34, 101, 193)">中华-福多多（铂金版）＞英大-尊世传家＞爱心-爱+享人生；</span></p><p ><span >前二依旧，只是顺序变了，第三变成了爱+享人生。</span></p><p ><span >尊享传家封闭期依旧比福多多（铂金版）稍长一些，而且现金价值的增长速度也不如福多多（铂金版）了。<br /></span></p><p ><span >而趸交下表现还不错的家业长青J款3年交下表现一般，但是依旧保持着封闭期短的优势。</span></p><p ><span >该缴费期下，虽然前二的两款到保单第50年退保利率也都达到了3.4%的水平，但是与市面第一梯队的产品相比还有差距。</span></p><section ><span style="color: rgb(34, 101, 193)"><strong><span style="color: rgb(34, 101, 193)">3、五年缴费期</span></strong></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTOZQaDNDsMCichpoGUicoLGmum3GJ32qoz2ic0OyocicxxoLjMnJ7pIENydeHLl0BgIRHkibtaHKH8oHdw%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTOZQaDNDsMCichpoGUicoLGmum3GJ32qoz2ic0OyocicxxoLjMnJ7pIENydeHLl0BgIRHkibtaHKH8oHdw/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><span >5年交下，<br /></span></section><section ><span >前二和3年交下结论一样，只是老三又换人了：<br /></span></section><section ><span style="color: rgb(34, 101, 193)">中华-福多多（铂金版）＞英大-尊享世家＞利安-双泉（尊享版）；</span></section><section ><span >其中</span><strong><span >福多多（铂金版）</span></strong><span >全周期表现都非常好，</span></section><section ><span >不仅封闭期短，现金价值超过已交保费的速度快，而且全周期内现金价值也极具优势。<br /></span></section><section ><span >到保单第40年福多多（铂金版）退保利率就达到了3.4%+的水平了！<br /></span></section><section ><span >虽然依旧比不了市面上一梯队的产品，但是在银行代销的大多数产品中算是非常优秀的了！</span></section><section ><span >另外，趸交和3年交下的表现一般的利安双泉（尊享版）5年交时冲到了第三，值得关注。</span></section><section ><span style="color: rgb(34, 101, 193)"><strong><span style="color: rgb(34, 101, 193)">4、十年缴费期</span></strong></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTOZQaDNDsMCichpoGUicoLGmupp7c7YbiaEQC5Y5QbWcYpBAev3K8jIrQIdIGjZsRpH5gHUjuKl5AGPw%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTOZQaDNDsMCichpoGUicoLGmupp7c7YbiaEQC5Y5QbWcYpBAev3K8jIrQIdIGjZsRpH5gHUjuKl5AGPw/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><span >10年交下，</span></section><section ><span >全周期现金价值综合排名前三的是：</span></section><section ><span style="color: rgb(34, 101, 193)">中华-福多多（铂金版）＞北大方正-鑫如意（吉祥版）＞英大-尊享世家；</span><span ><br /></span></section><section ><span >中华人寿-福多多（铂金版）依然没让人失望，稳坐第一。<br /></span></section><section ><span >鑫如意（吉祥版）前几个缴费期都比较平庸，十年交总算有点“排面”了。</span></section><section ><span >而万年老二的尊享世家这次排到了第三，略低鑫如意一点点。</span></section><p ><span ><br /></span></p><section ><section style="text-align: center" powered-by="xiumi.us"><section ><section powered-by="xiumi.us"><section ><section style="text-align: left" powered-by="xiumi.us"><section ><section powered-by="xiumi.us"><section style="text-align: center"><section ><section style="text-align: justify" powered-by="xiumi.us"><p ><br /></p></section></section></section></section></section><section ><section powered-by="xiumi.us"><section style="text-align: center"><section ><section style="text-align: justify" powered-by="xiumi.us"><p ><br /></p></section></section></section></section></section><section ><section powered-by="xiumi.us"><section style="text-align: center"><section ><section style="text-align: justify" powered-by="xiumi.us"><p ><br /></p></section></section></section></section></section></section></section><section ><section style="text-align: justify; color: rgb(69, 107, 176)" powered-by="xiumi.us"><p ><span >03</span><br /></p></section></section><section ><section powered-by="xiumi.us"><section style="text-align: left"><section ><section powered-by="xiumi.us"><section style="text-align: center"><section ><section style="text-align: justify" powered-by="xiumi.us"><p ><br /></p></section></section></section></section></section><section ><section powered-by="xiumi.us"><section style="text-align: center"><section ><section style="text-align: justify" powered-by="xiumi.us"><p ><br /></p></section></section></section></section></section><section ><section powered-by="xiumi.us"><section style="text-align: center"><section ><section style="text-align: justify" powered-by="xiumi.us"><p ><br /></p></section></section></section></section></section></section></section></section></section></section></section></section><p ><span >综合来看，<br /></span></p><p ><span >这次测评的建行代销产品里，只有<strong>中华福多多（铂金版）</strong>和<strong>英大尊享世</strong><strong>家</strong>数据最好，无论在哪个缴费期都有不俗的表现。</span></p><p ><span >当然，这是相较银保渠道产品来说。</span></p><p ><span >放眼全市场，他们和第一梯队产品还有一段不短的距离。<br /></span></p><p ><span >此外，有意思的是，不管工行还是建行，“亲儿子”工银安盛和建信人寿，旗下产品表现<span >连差</span>强人意都难够得上。</span></p><p ><span >可销量最高的反而是就是这俩。</span></p><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FNGupRwr5hZCuCTDAUzkF1Ijdh4dYiczm3orIFa4ibxv3LT81kVAyTep8W6V4YiclHobQISC0QV1fjiaGTV6NDC9xGg%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/NGupRwr5hZCuCTDAUzkF1Ijdh4dYiczm3orIFa4ibxv3LT81kVAyTep8W6V4YiclHobQISC0QV1fjiaGTV6NDC9xGg/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></p><p style="text-align: center"><span style="color: rgb(136, 136, 136)">建设银行官方数据<span style="color: rgb(136, 136, 136); text-align: center">👆</span></span><br /></p><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FNGupRwr5hZCuCTDAUzkF1Ijdh4dYiczm3Aq7RMOO5G7XK4FYgyiagCHjptaiaZmGTwxqJotgT3ZMBHnSjotvlFv3A%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/NGupRwr5hZCuCTDAUzkF1Ijdh4dYiczm3Aq7RMOO5G7XK4FYgyiagCHjptaiaZmGTwxqJotgT3ZMBHnSjotvlFv3A/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); text-align: center">工商银行官方数据👆</span></p><p ><span >果然，自家孩子到底是不一样的。</span></p><p ><span ><br /></span></p><section ><strong><span >相关阅读：</span></strong><span ><br /></span></section><p ><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247496838&idx=1&sn=4675540ebd38111ad7fdf03871d75083&chksm=cfb61706f8c19e103b78dfaf284bcd71a2047aeb7e6b679bac62f9e68576f622304663aa5a3e&scene=21#wechat_redirect" textvalue="“宇宙第一大行”卖的增额寿，是啥水平？" linktype="text" imgurl="" imgdata="null" tab="innerlink">“宇宙第一大行”卖的增额寿，是啥水平？</a></span></p><p ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247496743&idx=1&sn=af92fc4585d3fc3a90a45df824118a43&chksm=cfb617a7f8c19eb154b9674b01ebdca4d6883e8f7d3e75a64563144f3912b33aa2f94522b12c&scene=21#wechat_redirect" textvalue="大公司好产品，这些值得推荐" linktype="text" imgurl="" imgdata="null" tab="innerlink" ><span >大公司好产品，这些值得推荐</span></a><br /></p><p ><br /></p><p ><span ><strong>如有疑问，欢迎扫描下方二维码找我团队专业规划老师，免费咨询~</strong></span></p><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FO95eeDepqTO1KmSN6nDROWblhVFxxYXzKuynrkK6HnMe0ichpzQyyQr6Wnic6m0udMzOsG4pr5G5uH1r2Rg0QmWg%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/O95eeDepqTO1KmSN6nDROWblhVFxxYXzKuynrkK6HnMe0ichpzQyyQr6Wnic6m0udMzOsG4pr5G5uH1r2Rg0QmWg/640?wx_fmt=gif" alt="懂保爷测评配图" loading="lazy" /></p><section ><section style="text-align: left" powered-by="xiumi.us"><section ><section style="text-align: justify" powered-by="xiumi.us"><section ><section 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