<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><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >这两年，很多人都有一个很明显的感受：</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >钱越来越难存出利息了。</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)"><span text >以前手里有一笔闲钱，最简单的办法就是</span><span text >存银行</span><span text >，不需要操心，风险也低，多少还能拿点利息。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >但现在，存款利率一降再降。</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%2FiaZHDj9icvRXPnT3ofnWlbnAZ6m2lDzyQRznL5p2zBNPj6O1VHJtYaEe1CaVe8CUFopojgwp2hg4rtjmmJiaeQoGjiaL3NhOOen4icNicbtjox1cw%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXPnT3ofnWlbnAZ6m2lDzyQRznL5p2zBNPj6O1VHJtYaEe1CaVe8CUFopojgwp2hg4rtjmmJiaeQoGjiaL3NhOOen4icNicbtjox1cw/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)">六大行5年期定存的利率普遍在<span text style="color: rgb(235, 201, 0)">1.3%</span>了，这个收益，可能都跑不赢通胀。</span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >拿出去投资吧，又不太敢承担太大的风险。</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)"><span text >那如果手里刚好有一笔钱，未来几年都用不上，究竟该怎么办？</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >我觉得，先别急着找“收益最高”的产品，想清楚，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color:rgba(0, 0, 0, 0.9)"><span text >这笔钱未来到底什么时候用</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)"><span text >如果是</span><span text >家庭应急金，或者一两年内就要用的钱</span><span text >，当然还是放银行更合适。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >但如果有一笔钱，</span></span><strong><span style="color:rgba(0, 0, 0, 0.9)"><span text >未来10年、20年甚至更长时间都不会动</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >，那它其实就不应该只按照“活期存款”的思路去考虑了。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >因为对于一笔长期不用的钱，我们真正关心的其实就三件事：</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >本金够安全；</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >收益不能太低；</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >未来真需要用钱的时候，也不能完全动不了。</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >那市面上有没有这样的产品呢？</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >有的。</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)"><br /></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(64, 2, 0)">一</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >一笔长期不用的钱，可以看看分红增额寿</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >分红增额寿，刚好符合。</span></span></p><h3 style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >第一，本金安全，长期收益空间也不错</span></span></h3><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >先说大家最看重的本金安全。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color:rgba(0, 0, 0, 0.9)"><span text >分红增额寿里有白纸黑字写进保险合同的</span><span text >保证现金价值</span><span text >，这部分收益IRR</span><span text style="color: rgb(235, 201, 0)">1.5%</span><span text >是刚性确定的，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color:rgba(0, 0, 0, 0.9)"><span text >不受银行降息、股市波动、市场行情影响，不管外部环境怎么变，这部分钱一分不会少，兜底守住我们的</span><span text >本金</span><span text >，</span><span text >安全性和国有大行存款站在同一梯队</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)"><span text >光有保底还不够，它的优势在于额外叠加分红收益。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >目前的分红增额寿的演示利率是</span><span text style="color: rgb(235, 201, 0)">3.5%</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)"><span text >这个水平，</span></span><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span text >你去市面上找一圈，稳健理财里基本没有比它更高的了。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span text >当然，分红来自保险公司的实际经营成果，属于浮动收益，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span text >是不保证的。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="text-align:justify; color:rgba(0, 0, 0, 0.9)"><span text >但是，如果</span><span text >保险公司经营稳健，长期投资能力不错，过去的分红实现率也比较稳定，那么这部分浮动分红，拿到手还是不成问题的</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)"><span text >第二，需要用钱的时候，也还有一定灵活性</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span text >很多人一听到 "长期储蓄"，心里就犯嘀咕：</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span text >钱放进去了，是不是就彻底取不出来了？</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span text >其实不用担心，保险公司早就替你想过这一层了。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="text-align:justify; color:rgba(0, 0, 0, 0.9)"><span text >分红增额寿在符合合同约定的前提下，可以通过</span><span text >减保、保单贷款</span><span text >这些方式，把一部分钱拿出来用，所以它不是把你的钱死死锁住。</span></span></p><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXMnXYdMrUwm8zPZMAicQjUVcE7XvqFLXJicbJJyaia5Nqj0W8nEzWtvbKdCGCvKHfkYib5Luj0aTZ6qJhicaU1ln8ibRIFiazfcvFTdN8%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXMnXYdMrUwm8zPZMAicQjUVcE7XvqFLXJicbJJyaia5Nqj0W8nEzWtvbKdCGCvKHfkYib5Luj0aTZ6qJhicaU1ln8ibRIFiazfcvFTdN8/640?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 style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span text >比如你本来计划这笔钱留给孩子、养老或者长期存着，但过几年突然有个资金需求，也可以根据实际情况灵活调整。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span text >不过话说回来，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span text >它毕竟不是银行活期，能取不代表什么时候取都划算哈。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="text-align:justify; color:rgba(0, 0, 0, 0.9)"><span text >尤其是</span><span text >前几年就减保</span><span text >，可能会影响后面的现金价值和长期收益。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span text >所以它更适合的是这样一类人：</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span text >现在用不上，未来大概率也长期用不上，但又希望万一真有需要的时候，手里还能留一点调整的余地。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span text >总而言之，前面说的三个要求，分红增额寿基本对应上了：本金有保证、长期有收益空间、未来还有一定灵活性，就很适合长期储蓄~</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><br /></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(64, 2, 0)">二</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color:rgba(0, 0, 0, 0.9)"><span text >产品怎么选？</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color:rgba(0, 0, 0, 0.9)"><span text >如果你看到这里，觉得这种思路确实没问题，</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >那接下来就是：</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >市场上的分红增额寿这么多，到底应该选哪一款？</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)"><span text >目前市场上比较热门的分红增额寿不少，如果让我挑一款比较值得重点关注的，我会你推荐：</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >中英人寿福满佳C款（卓越版）</span><span text >。</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)">理由之前也有详细说过，</span><span style="color:rgba(0, 0, 0, 0.9)">指路：<a target="_blank" href="https://mp.weixin.qq.com/s?__biz=Mzg5Njk3MTA5Mg==&mid=2247504290&idx=1&sn=5497c3a8ee4b0dc5ed7b9dcc18fadeb4&scene=21#wechat_redirect" textvalue="长期收益突破3%，中英人寿的福满佳C款（卓越版）能不能买？" linktype="text">长期收益突破3%，中英人寿的福满佳C款（卓越版）能不能买？</a></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color:rgba(0, 0, 0, 0.9)">它最大的特点，就是<span text >长线收益表现很突出，保司的背景实力、分红表现都值得信赖</span>。</span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >再带大家大概看一下这款产品。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >以</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >0岁男孩、一次性交100万元</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >为例，对比一下市场上的热门产品：</span></span></p><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXPUIAmoDZCDPnrD4n2BdpnIxlZLM5jADeZpBRoPGoeSOwCuwj0LmfPCWDNa1mXXCWgljHibgfdXWaibYUxGqiaUOllInL8YXlkKqA%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXPUIAmoDZCDPnrD4n2BdpnIxlZLM5jADeZpBRoPGoeSOwCuwj0LmfPCWDNa1mXXCWgljHibgfdXWaibYUxGqiaUOllInL8YXlkKqA/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 style="color: rgba(0, 0, 0, 0.9)"><span text >福满佳C款（卓越版）有一个比较明显的特点，就是</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >前期不算特别突出，但持有时间越长，优势越明显</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><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)"><span text >保单第10年，预期现金价值约</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">124.39万元</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >；第30年，达到</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">224.31万元</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >；到了第50年，进一步达到</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">413.68万元</span></span><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span text >......</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)"><span text >长线预期IRR可以达到</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >3.18%左右</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><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)"><span text >所以如果只是看前10年、前20年，它可能不是市场上收益最高的产品，但如果把时间拉长到30年、50年，</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >它的长期复利表现就非常有竞争力了。</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)"><span text >这其实也和它的分红设计有关。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >福满佳C款采用的是</span></span><strong><span style="color:rgba(0, 0, 0, 0.9)"><span text >增额红利+终了红利</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >的设计，长期持有以后，终了红利的效果会逐渐体现出来。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >当然，这里的预期收益包含了分红，</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >分红是不保证的</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >，所以我们不能只看这张利益演示表。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >还得看背后的保险公司。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >中英人寿成立于2003年，背后的两大股东分别是</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >中粮集团和英杰华集团</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><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)"><span text >一个是大型央企，一个是拥有300多年保险经营历史的国际保险集团，股东背景还是比较硬的。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >再看中英人寿自身的经营情况。</span></span></p><section style="text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXM7xaPhHXuMYstO2wYVoOthSicYia226hA4NSuRriafjwEMTQWqIN9os4gDwO3xEAcBE0z8XJ4CBfiaJd0TnB0o8EYlahMYtsvku6Y%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXM7xaPhHXuMYstO2wYVoOthSicYia226hA4NSuRriafjwEMTQWqIN9os4gDwO3xEAcBE0z8XJ4CBfiaJd0TnB0o8EYlahMYtsvku6Y/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="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span text >跟另外几家保司比，数据都是最高的。</span></span></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >综合偿付能力充足率达到</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">275.63%</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >，核心偿付能力充足率达到</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">192.95%</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >，风险评级为</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">AAA</span></span><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span text >，说明</span></span></strong><strong style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span style="color: rgba(0, 0, 0, 0.9)">整体抗风险能力和经营稳定性都</span></strong><strong style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span style="color: rgba(0, 0, 0, 0.9)"><span text >更好</span></span></strong><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><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)"><span text >投资能力方面，近三年平均投资收益率达到</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">5.40%</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >，综合投资回报率达到</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">8.06%</span><span text >，说明投资能力也更强，能拿出来分红的钱可能也更多</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><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)"><span text >另外，对于分红险来说，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >我觉得最值得看的还是</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >过去分红到底有没有兑现</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >。</span></span></p><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXPuTalia7gD2jq4ibu4cKZcW9PrZAib6g3hLWckpdDSnFpicuFENe8U6b5MP1gvCpxms9tloFHNrHTZyTPGZ2zTDlxY735JUVLiacUs%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXPuTalia7gD2jq4ibu4cKZcW9PrZAib6g3hLWckpdDSnFpicuFENe8U6b5MP1gvCpxms9tloFHNrHTZyTPGZ2zTDlxY735JUVLiacUs/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 style="color: rgba(0, 0, 0, 0.9)"><span text >中英人寿虽然公布的年份不多，但是过往的分红表现一直不错，2024年平均分红实现率达到</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">104%</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >，2025年为</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">86%</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><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)"><span text >虽然分红实现率会受到市场环境和公司实际经营情况影响，过去的表现也不代表未来，但从历史数据来看，</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >中英人寿的分红表现还是比较稳定的~</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)"><span text >所以综合来看，福满佳C款（卓越版）我比较看重的并不只是它的长线预期收益，而是</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >产品的长期收益表现+分红设计+中英人寿的公司实力和历史分红表现</span><span text >。</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)"><span text >这几个方面放在一起看，整体竞争力还是比较强的。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><br /></span></p><h2 style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(64, 2, 0)">三</span></span></h2><h2 style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >总结一下</span></span></h2><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >所以，回到文章最开始的问题：</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >存款利率越来越低，普通家庭的钱该放哪里？</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)"><span text >我觉得答案并不是让大家把银行存款全部换成保险。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >短期要用的钱、家庭应急金，该放银行还是放银行。</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)"><span text >但如果手里确实有一笔</span></span><strong><span style="color:rgba(0, 0, 0, 0.9)"><span text >未来10年、20年甚至更长时间都不会动的钱</span></span></strong><span style="color:rgba(0, 0, 0, 0.9)"><span text >，又不想承担太大的市场波动</span><span text >，那么分红增额寿确实可以作为一个长期储蓄的选择~</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >如果你手里也刚好有一笔长期不用的钱，正在纠结</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >继续存银行，还是考虑分红增额寿</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >，可以把你的年龄、预算和资金用途告诉我，我帮你具体测算一下。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><br /></span></p><section style="color: rgba(0, 0, 0, 0.9); text-align: center" nodeleaf=""><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); 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text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXMuCG3QMkhibRZyYrxY3D1qCrhYjchQgeKSAQiarDj9G5VG8jBBSLRV3uf3vAibWm3O63icKn9bz8kTIibEQbTNtdbCUdUv3umOAgr4%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26tp%3Dwebp%23imgIndex%3D3" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXMuCG3QMkhibRZyYrxY3D1qCrhYjchQgeKSAQiarDj9G5VG8jBBSLRV3uf3vAibWm3O63icKn9bz8kTIibEQbTNtdbCUdUv3umOAgr4/640?wx_fmt=png&from=appmsg&wxfrom=5&wx_lazy=1&tp=webp#imgIndex=3" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><br /></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: left"><span ><span text >点击“阅读原文”进入「保险商城」</span></span></section><p ></mp-style-type></p>
