孩子花钱高峰在18+!增额寿 vs 分红险,谁才是教育金“王炸”?

Hi,大家好,我是懂保爷主编阿航~ 最近写了几篇关于养老的文章,很多读者来咨询父母的养老问题; 延迟退休仅缓 9 年危机!1 个职工养 1 个老人的未来,我们拿什么养老? 不得不让小编感慨,我们70后、80后和90后的成

作者:懂保爷 · 发布于 2025-07-01 · 约 11 分钟读完

<section style="text-align: justify"><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" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvRMRQ8Ot4BB9nrCw1EicbYY3lJMPC5n8NEwOm04yG4OtkRLNkOJZSCeey71IM1UpXswicff1otoiaAJg/640?wx_fmt=png&from=appmsg&wxfrom=5&wx_lazy=1&tp=webp" alt="懂保爷测评配图" loading="lazy" /></span></section><section style="text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span>Hi,大家好,我是懂保爷主编阿航~</span></span></section><section style="text-align: justify"><span><span text >最近写了几篇关于养老的文章,很多读者来咨询父母的养老问题;</span></span></section><section style="text-align: justify"><span><a target="_blank" href="https://mp.weixin.qq.com/s?__biz=Mzg5Njk3MTA5Mg==&amp;mid=2247500973&amp;idx=1&amp;sn=3161b009f217c11678888549da6b3242&amp;scene=21#wechat_redirect" textvalue="延迟退休仅缓 9 年危机!1 个职工养 1 个老人的未来,我们拿什么养老?" linktype="text"><span text >延迟退休仅缓 9 年危机!1 个职工养 1 个老人的未来,我们拿什么养老?</span></a></span></section><section style="text-align: justify"><span><span text >不得不让小编感慨,我们70后、80后和90后的成年人真的很少为自己考虑,来咨询保险不是为了父母就是为了孩子。</span></span></section><section style="text-align: justify"><span><span text >这也无可厚非,毕竟父母和子女都是我们最亲近的人。</span></span></section><section style="text-align: justify"><span><span text >给</span><span text >自己和父母配置退休后的保障,我们一般推荐养老金</span><span text >,因为养老注重的是稳定现金流。</span></span></section><section style="text-align: justify"><span><span text >而</span><span text style="color: rgb(255, 79, 121)">给孩子存钱,我们一般选择增额寿</span><span text >,</span></span></section><section style="text-align: justify"><span><span text >因为给子女做教育金,我们看重的是</span><span text style="color: rgb(255, 79, 121)">安全和灵活</span><span text >,</span><span text style="color: rgb(255, 79, 121)">还要有一定的收益</span><span text >,可以在需要的时候可以取出来用。</span></span></section><section style="text-align: justify"><span><span text >那么孩子在哪个时间段花钱最多呢?</span></span></section><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZMtSQYTst5CEkHSEib3YETFUlCbsD9icWz50PpTeKh6zajUiaeGSGuAdejuDWrnIYOD7BVmZYlZGRqicLqVjrFIDg%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZMtSQYTst5CEkHSEib3YETFUlCbsD9icWz50PpTeKh6zajUiaeGSGuAdejuDWrnIYOD7BVmZYlZGRqicLqVjrFIDg/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: justify"><span><span text >数据显示,孩子18岁前的消费都比较平稳,</span></span><span><span text >在上大学之后消费猛增,因为除了学费,我们还要承担孩子的生活费和各种开销;</span></span></section><section style="text-align: justify"><span><span text >所以我们为孩子存的教育金,</span><span text >适合在不用的时候,放在保单里默默增值,需要用的时候,可以部分取出</span><span text >。</span></span></section><section style="text-align: justify"><span><span text >以孩子的名义存笔钱,专门给孩子用,以后不论是初高中课外补习,还是大学补充生活费,甚至出国留学、读研,都可以做到有备无患。</span></span></section><section style="text-align: justify"><span><span text >这样我们拿出来两类优秀产品,做一个对比,看看谁更适合做我们孩子的教育金。</span></span></section><section style="text-align: justify"><span><span text >一、稳稳的幸福——固定收益类</span></span></section><section style="text-align: justify"><span><span text >这类产品比较简单,收益明确,写入合同;</span></span></section><section style="text-align: justify"><span><span text >长期复利接近2.5%,20年单利3%</span><span text >,</span></span></section><section style="text-align: justify"><span><span text >而现在的五年期定存单利只有1.3%,还不能锁定利率。</span></span></section><section style="text-align: justify"><span><span text >而这类产品中收益最高的,是6月刚上新的</span><span text style="color: rgb(255, 79, 121)">增多多8号(庆典版)</span><span text >,比原来的增多多8号收益更上一个台阶!</span></span></section><section style="text-align: justify"><span><span text >我们以0岁男孩,五年交,年交6万为例,</span><span text >从18岁孩子开始读大学时,每年取出2.4万作为生活费</span><span text >,做一个计划书:</span></span></section><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_jpg%2FiaZMtSQYTst5CEkHSEib3YETFUlCbsD9icWuObh1saficIicUSUs2FWvwQcdicfp0IEt7WQStAod4QebbxGWFlQRV9VA%2F640%3Fwx_fmt%3Djpeg%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_jpg/iaZMtSQYTst5CEkHSEib3YETFUlCbsD9icWuObh1saficIicUSUs2FWvwQcdicfp0IEt7WQStAod4QebbxGWFlQRV9VA/640?wx_fmt=jpeg&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: justify"><span><span text >可以看到这款产品在交完保费的当年就可以回本,</span></span></section><section style="text-align: justify"><span><span text >然后按照2.5%的预定利率增长;</span></span></section><section style="text-align: justify"><span><span text >等到18岁开始领取的时候,保单中已经</span><span text style="color: rgb(255, 79, 121)">增值到43.6万</span><span text >元;</span></span></section><section style="text-align: justify"><span><span text >每年领2.4万,直到25岁,孩子一般读完研究生了,</span><span text style="color: rgb(255, 79, 121)">8年一共领了19.2万</span><span text >,</span><span text style="color: rgb(255, 79, 121)">剩下的现金价值还超过本金</span><span text >。</span></span></section><section style="text-align: justify"><span><span text >如果这时没有用钱的需求,也没有好的投资机会,可以继续让钱躺在保单里增值。</span></span></section><section style="text-align: justify"><span><span text >等到孩子30岁左右,结婚生子时,再一次性取出35万左右。</span></span></section><p style="text-align: justify"><span><span text >此外,</span><span text style="color: rgb(255, 79, 121)">增多多8号庆典版还支持万能账户</span><span text >,只要总保费超过5万就可以附加。</span></span></p><p style="text-align: justify"><span><span text >是目前少有的固收类增额可以附加万能账户的产品,并且附加的保费要求很低。</span></span></p><section style="text-align: justify"><span><span text >这类产品的优点很明显,</span><span text style="color: rgb(255, 79, 121)">就相当于把钱存进银行,几年后本金变成多少都已经写好了</span><span text >;</span></span></section><section style="text-align: justify"><span><span text >不会受任何因素影响,哪怕公司倒闭了,也会由其他公司接管,继续按照合同给我们收益。</span></span></section><section style="text-align: justify"><span><span text >但是有的朋友可能觉得,这些收益还是不太够.</span></span></section><section style="text-align: justify"><span><span text >那么我们就可以考虑高保底的分红险。</span></span></section><section style="text-align: justify"><span><span text >二、高收益潜力股——保证+分红</span></span></section><section style="text-align: justify"><span><span text >熟悉保险的朋友知道,分红险的收益由</span><span text style="color: rgb(255, 79, 121)">保证+分红</span><span text >两部分组成;</span></span></section><section style="text-align: justify"><span><span text >而且不能只看产品,还要关注保险公司的实力,能带给我们多少分红。</span></span></section><section style="text-align: justify"><span><span text >结合以上考量,我选了</span><span text style="color: rgb(255, 79, 121)">陆家嘴国泰的</span><span text style="color: rgb(255, 79, 121)">泰赢家</span><span text >作为孩子的教育金储备;</span></span></section><section style="text-align: justify"><span><span text >关于这款产品,之前也写过文章介绍:</span><a target="_blank" href="https://mp.weixin.qq.com/s?__biz=Mzg5Njk3MTA5Mg==&amp;mid=2247500920&amp;idx=1&amp;sn=647f8cc89ed09beb0ecafabec41962c4&amp;scene=21#wechat_redirect" textvalue="20年单利4.13%!陆家嘴泰赢家:保底收益拉满,分红惊喜可期!" linktype="text"><span text >20年单利4.13%!陆家嘴泰赢家:保底收益拉满,分红惊喜可期!</span></a></span></section><section style="text-align: justify"><span><span text >泰赢家不仅</span><span text style="color: rgb(255, 79, 121)">有市场最高的保底收益</span><span text >,</span></span><span><span text style="color: rgb(255, 79, 121)">总收益还能</span></span><span><span text style="color: rgb(255, 79, 121)">在7~20年排在市场第一</span><span text >;</span></span></section><section style="text-align: justify"><span><span text >非常适合给孩子配置教育金。</span></span></section><section style="text-align: justify"><span><span text >我们还是以0岁男孩,5年交,年交6万为例,18岁开始领钱:</span></span></section><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_jpg%2FiaZMtSQYTst5CEkHSEib3YETFUlCbsD9icWuVhVVAoDW4ChflgzJCwCfX54xPooOzKoJZOEkAupmM8qkw81MAicocg%2F640%3Fwx_fmt%3Djpeg%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_jpg/iaZMtSQYTst5CEkHSEib3YETFUlCbsD9icWuVhVVAoDW4ChflgzJCwCfX54xPooOzKoJZOEkAupmM8qkw81MAicocg/640?wx_fmt=jpeg&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: justify"><span><span text >泰赢家在领取之前,能增长到</span><span text style="color: rgb(255, 79, 121)">47.5万</span><span text >,</span><span text style="color: rgb(0, 0, 0)">比增多多高了近4万元</span><span text >;</span></span></section><section style="text-align: justify"><span><span text style="color: rgb(255, 79, 121)">领取8年之后呢,保单里还剩38.4万</span><span text >,比增多多高7.5万;</span></span></section><section style="text-align: justify"><span><span text >如果孩子30岁想一次性取出,</span><span text style="color: rgb(255, 79, 121)">还可以拿到45.4万</span><span text >,更是比增多多高了10万多元!</span></span></section><section style="text-align: justify"><span><span text >当然,这是分红实现百分百达成的情况,陆家嘴国泰能给我们这么高的分红吗?</span></span></section><section style="text-align: justify"><span><span text >我们来看看陆家嘴国泰的既往成绩单:</span></span></section><section style="text-align: justify"><span><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZMtSQYTst6FAibvlUJ1yZQrgUkaFkXQ14uuMkKIXThZu5TOSVS5iaysEBEZpbZytTEjyILlHIYMjay4lWK4eVjw%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26tp%3Dwebp%26wxfrom%3D5%26wx_lazy%3D1" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZMtSQYTst6FAibvlUJ1yZQrgUkaFkXQ14uuMkKIXThZu5TOSVS5iaysEBEZpbZytTEjyILlHIYMjay4lWK4eVjw/640?wx_fmt=png&from=appmsg&tp=webp&wxfrom=5&wx_lazy=1" alt="懂保爷测评配图" loading="lazy" /></span></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >2024年以前,陆家嘴国泰所有的分红产品,分红实现率都超过100%;</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >即使去年监管推出“限高令”,导致绝大多数中小保司分红实现率低于50%;</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text style="color: rgb(255, 79, 121)">陆家嘴国泰绝大部分产品分红仍然突破限高,</span><span text style="color: rgb(255, 79, 121)">超过了70%</span><span text >。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >综合偿付能力175%,</span></span><span ><span text >核心偿付能力136% ,远超监管要求;</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >所以陆家嘴国泰的分红实力是毋庸置疑的,当限高令结束,分红肯定能回到100%以上的正常水准。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2F1QPP1s0AFkemuAjXdBYUDicgzT1UlzeaWQBNKHbEcMScIGRXasw0mIHmSgU1ge1wZTR8DGGgJe28E3x3ibQDia7Eg%2F640%3Fwx_fmt%3Dpng%26wxfrom%3D5%26wx_lazy%3D1%26tp%3Dwebp" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/1QPP1s0AFkemuAjXdBYUDicgzT1UlzeaWQBNKHbEcMScIGRXasw0mIHmSgU1ge1wZTR8DGGgJe28E3x3ibQDia7Eg/640?wx_fmt=png&wxfrom=5&wx_lazy=1&tp=webp" alt="懂保爷测评配图" loading="lazy" /></span></p><section style="text-align: justify"><span><span text >公司背景也没有问题,中方股东由上海国资委控股,妥妥的国家队背景。</span></span></section><section style="text-align: justify"><span><span text >上海陆家嘴金融在金融方面非常有经验,所以陆家嘴国泰才能有很高的投资收益,继而给客户很高的分红。</span></span></section><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZMtSQYTst5CEkHSEib3YETFUlCbsD9icWpSCbw4rxPfyoRHq13ado0kd2iahh5IJNPsekWygNicFlxRvEPIgaicNCg%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZMtSQYTst5CEkHSEib3YETFUlCbsD9icWpSCbw4rxPfyoRHq13ado0kd2iahh5IJNPsekWygNicFlxRvEPIgaicNCg/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section><section style="text-align: justify"><span><span text >泰赢家同时还支持添加万能账户</span><span text style="color: rgb(255, 79, 121)">金管家3.0</span><span text >,</span><span text >最低保证利率1.5%</span><span text >。</span></span></section><section style="text-align: justify"><span><span text >三、增多多8号(庆典版)vs 泰赢家:选哪个?</span></span></section><section style="text-align: justify"><span><span text >在了解这两款产品的收益和特点后,不知道是不是还有人纠结该选哪个好;</span></span></section><section style="text-align: justify"><span><span text >其实,小编也是个很纠结的人,又想要分红产品的高收益,又想要收益确定。</span></span></section><section style="text-align: justify"><span><span text >比如,尽管陆家嘴国泰往期的分红非常优秀,但如果未来达不到100%,还能超过增多多8号庆典版吗?</span></span></section><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZMtSQYTst5CEkHSEib3YETFUlCbsD9icWeWNQ09BQ0P2tdjpI9tHSkIENZcVpA5Esvfnyl1fAJjlnG4a3dCAxXA%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZMtSQYTst5CEkHSEib3YETFUlCbsD9icWeWNQ09BQ0P2tdjpI9tHSkIENZcVpA5Esvfnyl1fAJjlnG4a3dCAxXA/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 ><span text >不领取的情况下,50%的分红达成率,泰赢家在前中期是打不过增多多8号的。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >但只要分红实现率超过70%,孩子12岁后,</span></span><span ><span text >泰赢家的收益就高于增多多8号了。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >限高令取消后,陆家嘴国泰的分红应当在90%以上,甚至超过100%;</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >增多多8号在前期增长快一点,而泰赢家越到后面,增长越快。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >所以</span><span text style="color: rgb(255, 79, 121)">如果我们能承受一点收益的波动,还是更推荐选择泰赢家</span><span text >作为孩子的储蓄的;</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >保底部分在前期与增多多差距不大,加上分红后收益非常可观。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >如果</span><span text style="color: rgb(255, 79, 121)">您非常厌恶波动性,完全可以选择增多多8号(庆典版)</span><span text >,前期增长快,收益确定,给您和孩子稳稳的幸福。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >如果您正考虑给孩子或自己存钱,也希望这篇文章给您一点思路;</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >毕竟,</span><span text >储蓄越早开始,复利增长的时间就越长,到手的收益也更高</span><span text >。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><br /></span></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong ><span ><span ><span text >后话:</span></span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span ><span text >近期产品变动频繁,我们可能无法对每款产品都进行细致分析。</span></span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span ><span text >如需找我咨询,可以扫码联系,让我在最专业的领域帮您少走弯路。</span></span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span ><a target="_blank" style="color: rgb(87, 107, 149)" href="https://mp.weixin.qq.com/s?__biz=Mzg5Njk3MTA5Mg==&amp;mid=2247500688&amp;idx=1&amp;sn=8b3e1109d2b3d7af015c8fd153d5791b&amp;scene=21#wechat_redirect" textvalue="为什么选择懂保爷?" linktype="text"><span text >为什么选择懂保爷?</span></a></span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span ><a target="_blank" href="https://mp.weixin.qq.com/s?__biz=Mzg5Njk3MTA5Mg==&amp;mid=2247500962&amp;idx=1&amp;sn=9a8c17afe7b663c279d5d0f3f394415b&amp;scene=21#wechat_redirect" textvalue="当年交钱当年领!这款养老金打破「等待期」限制,高龄投保必看!" linktype="text">当年交钱当年领!这款养老金打破「等待期」限制,高龄投保必看!</a></span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span ><a target="_blank" href="https://mp.weixin.qq.com/s?__biz=Mzg5Njk3MTA5Mg==&amp;mid=2247500920&amp;idx=1&amp;sn=647f8cc89ed09beb0ecafabec41962c4&amp;scene=21#wechat_redirect" textvalue="20年单利4.13%!陆家嘴泰赢家:保底收益拉满,分红惊喜可期!" linktype="text">20年单利4.13%!陆家嘴泰赢家:保底收益拉满,分红惊喜可期!</a></span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><a target="_blank" href="https://mp.weixin.qq.com/s?__biz=Mzg5Njk3MTA5Mg==&amp;mid=2247500892&amp;idx=1&amp;sn=daedd3632913d19717abe5eee57dd8e3&amp;scene=21#wechat_redirect" textvalue="成人儿童重疾险核保收紧 + 停售前低价!尽快抓住6月尾巴~" linktype="text">成人儿童重疾险核保收紧 + 停售前低价!尽快抓住6月尾巴~</a></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_jpg%2FttibxYrpmzvTYxl8uSsCnZLUNXbsxTYQZ2AVM7FCdbkJibsRSHWy5WmCmJ3y0DGn8V9M0RyUtUtbVNXbhNjiayOiaA%2F640%3Fwx_fmt%3Djpeg%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26tp%3Dwebp" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_jpg/ttibxYrpmzvTYxl8uSsCnZLUNXbsxTYQZ2AVM7FCdbkJibsRSHWy5WmCmJ3y0DGn8V9M0RyUtUtbVNXbhNjiayOiaA/640?wx_fmt=jpeg&from=appmsg&wxfrom=5&wx_lazy=1&tp=webp" alt="懂保爷测评配图" loading="lazy" /></span></span></p><section style="color: rgba(0, 0, 0, 0.9); text-align: center"><span ><strong ><span ><span ><span text >最后简单跟大家介绍一下自己:</span></span></span></strong></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: center"><span ><strong ><span ><span ><br /></span></span></strong></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: center"><span ><span ><span text >懂保爷平台成立于2018年;</span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: center"><span ><span ><span text >秉着向上向善的信仰,</span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: center"><span ><span ><span text >站在客户角度,以客户为中心,测评优中选优</span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: center"><span ><span ><span text >为客户提供风险转嫁、</span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: center"><span ><span ><span text >储蓄理财和退休养老方面的优质保险内容与服务。</span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: center"><span ><span ><span text >全网粉丝1000万+,</span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: center"><span ><span ><span text >已累计为10万+家庭解决过保险难题。</span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: center"><span ><span ><span text >以成就安心生活为使命;</span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: center"><span ><span ><span text >致力于成为新时代中国人信赖首选的保险内容与服务平台。</span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: center"><span ><span ><span text style="color: rgb(214, 214, 214)">更多敬请关注:</span></span></span></section><section nodeleaf=""></mp-common-profile></section></section><p ></mp-style-type></p>

本文为懂保爷原创保险知识科普,不构成投保建议。具体保险责任与理赔条件以保险公司正式条款和保险合同为准。

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