<section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZCkxyTuIes95M5xsxaFCia9kwyibXPcbJQ3MKohMFJ3VRpor7XMlyuT5EEg34JVrm2GNQkRuhfTYDpw%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZCkxyTuIes95M5xsxaFCia9kwyibXPcbJQ3MKohMFJ3VRpor7XMlyuT5EEg34JVrm2GNQkRuhfTYDpw/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><p ><span >回首3月，“降息”在即，受大环境影响，增额寿市场频频调整，相信大家肯定被增额寿产品下架的各种消息刷屏！</span><o:p></o:p></p><p ><span >没来得及上车的，也不必焦虑，还有一款被忽略的宝藏产品——<strong><span style="color: rgb(34, 101, 193)">星财神</span></strong><span style="color: rgb(34, 101, 193)">。</span></span></p><p ><span style="color: rgb(34, 101, 193)">作为比较全能的传统增额终身寿，值得大家重点考虑！</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(34, 101, 193)" powered-by="xiumi.us"><p ><span ><strong ><span >01</span></strong></span><strong ><br /></strong></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><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZAia3LdRK2YYUWsrLTYGYmyTI66xlj5oGqV0Uhib2yyIVp9oZTfDeqX5VI20ib284dUEJtWflm9fVG0A%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZAia3LdRK2YYUWsrLTYGYmyTI66xlj5oGqV0Uhib2yyIVp9oZTfDeqX5VI20ib284dUEJtWflm9fVG0A/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><section ><span >星财神支持0-60岁人群投保，承保职业支持1-7类。</span></section></section><section ><span >有效保额每年增长</span><strong><span style="color: rgb(34, 101, 193)">3.5%</span></strong><span >，持续至终身。</span></section><section ><span >有个亮点是加保功能写进合同，</span></section><section ><span >虽然限制缴费期内，但相比市面上绝大多数不支持加保的增额寿，星财神能支持真的很nice！</span></section><section ><span style="color: rgb(0, 0, 0)">并且还可以</span><span style="color: rgb(34, 101, 193)">关联保底3%，结算利率4.5%</span><span >的顶级万能账户——天天盈（庆典版），实现资金二次增值。</span><o:p></o:p></section><section ><span style="color: rgb(34, 101, 193)">同时产品功能齐全，隔代投保、第二投保人、养老社区、保险金信托等一个不落。</span><o:p></o:p></section><section ><span >如此高质量的增额寿产品，在如今的大环境下，实在不多见了！</span></section><section ><p powered-by="xiumi.us"><br /></p><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(34, 101, 193)" powered-by="xiumi.us"><p ><span ><strong ><span >02</span></strong></span><strong ><br /></strong></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><section ><span >我们仍以10岁男孩，总投入30万为例，同时将它和市面顶级增额类产品做对比。</span></section><section ><span >分趸交、3年交、5年交，看看各个缴费期的情况如何。</span></section><section ><o:p></o:p></section><section ><span ><strong><span style="color: rgb(34, 101, 193)">1、趸交</span></strong></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZAia3LdRK2YYUWsrLTYGYmyT2P3RqDuvgI6tHXBLYibQkvR2qfAMdPHVGyPnbtoiaX3t5eYTn7ISLE9w%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZAia3LdRK2YYUWsrLTYGYmyT2P3RqDuvgI6tHXBLYibQkvR2qfAMdPHVGyPnbtoiaX3t5eYTn7ISLE9w/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZAia3LdRK2YYUWsrLTYGYmyTMYAs86d4F2v2w67WlaYwdgwUcOIgX0esPvJISmrPb4CVwM7XdewaKg%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZAia3LdRK2YYUWsrLTYGYmyTMYAs86d4F2v2w67WlaYwdgwUcOIgX0esPvJISmrPb4CVwM7XdewaKg/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><p ><span style="color: rgb(34, 101, 193)">不难看出，星财神趸交时，综合水准是可以排到第一梯队靠前的（与前几的差距也不算太大）；</span></p><p ><span >如果是20年以上的长期规划，那么后期现价极高的<span >鑫运两全、鑫享福和金满意足3号无疑更好；</span></span></p><p ><span ><span >但如果对未来资金规划是个问号的话，全周期保单利益都不错的星财神可能更合适。<br /></span></span></p><section ><span >保单第10年，现金价值达到41.6万，是已交保费的1.4倍，退保利率突破<strong><span style="color: rgb(34, 101, 193)">3.3%</span></strong><span style="color: rgb(34, 101, 193)">。</span></span></section><section ><span >保单第30年，现金价值达到82.7万，是已交保费的2.8倍，退保利率达到<strong><span style="color: rgb(34, 101, 193)">3.44%。</span></strong></span></section><p ><span ><span >这个数据已经是传统增额寿里趸交表现最好的了。</span></span></p><p ><span ><span >不过要注意的一点是，星财神的封闭期时间较长，一直到第8年现价才超过已交保费。</span></span></p><p ><span ><span >如果在意这点，封闭期仅4年、保单利益没差多少的瑞祥人生更值得选。</span></span><span ></span></p><section ><span style="color: rgb(34, 101, 193)"><strong>2、三年交</strong></span></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZAia3LdRK2YYUWsrLTYGYmyTTNTzia7eZyKbRQ21uibrFPBJ1fJHX55M9MehsJqrAib2YSic6N0Kf23uvA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZAia3LdRK2YYUWsrLTYGYmyTTNTzia7eZyKbRQ21uibrFPBJ1fJHX55M9MehsJqrAib2YSic6N0Kf23uvA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZAia3LdRK2YYUWsrLTYGYmyTaKCNCUM1kbW67DE5Qdic4Do2eRxgf4XGfWtwo3dHho8ILWyEDyKIicWA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZAia3LdRK2YYUWsrLTYGYmyTaKCNCUM1kbW67DE5Qdic4Do2eRxgf4XGfWtwo3dHho8ILWyEDyKIicWA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><p ><span >相比趸交，星财神3年交的现金价值略显平庸。</span></p><p ><span >星财神3年交缴费期下，一直到到第30年，退保利率才达到</span><span style="color: rgb(34, 101, 193)">3.4%</span><span >的水平。</span></p><p ><span style="color: rgb(34, 101, 193)">虽然没有很突出，但也是超过市面上的大多数增额类产品。</span></p><p ><span >同时星财神还有</span><span style="color: rgb(34, 101, 193)">自身独特</span><span >的优势，背后丰富的产品功能，给这款产品加了码。</span></p><p ><span >此外，</span><span >星财神在3.5%的有效保额的增值情况下，还可以加保，且写入合同，流动性强。</span></p><p ><span >想提升自身老年生活品质的话，购买星财神总保费</span><span style="color: rgb(34, 101, 193)">≥150万</span><span >，还可以入驻星堡高端养老社区。</span></p><p ><span style="color: rgb(34, 101, 193)">总体来看，3年缴费期下，星财神不算差，同时这些特殊功能的加持，对于有需要的人也很重要，也是值得选择。</span></p><p ><span ><strong><span style="color: rgb(34, 101, 193)">3、五年交</span></strong></span></p><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZAia3LdRK2YYUWsrLTYGYmyTAxCtIyfw1Wgsqibt1lajrkN4Az7q03icmoHibAyEoIEkCqnZPmDGVgcJg%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZAia3LdRK2YYUWsrLTYGYmyTAxCtIyfw1Wgsqibt1lajrkN4Az7q03icmoHibAyEoIEkCqnZPmDGVgcJg/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><p style="text-align: left"><span >5年缴费期“达咩”，</span></p><p style="text-align: left"><span >这一缴费期内，星财神现金价值总体一般，且增长速度也有点拉垮。</span></p><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZAia3LdRK2YYUWsrLTYGYmyTNo86rYHOZaxzRF0lrV37LWUadPQq7NH4Y5xlgX199ouLMB66zwr5vQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZAia3LdRK2YYUWsrLTYGYmyTNo86rYHOZaxzRF0lrV37LWUadPQq7NH4Y5xlgX199ouLMB66zwr5vQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><p ><span >相比趸交和3年交，5年交的星财神一直到保单第50年，退保利率都没有到3.4%水平。</span><o:p></o:p></p><p ><span >而且全周期数据都比较一般，尽管搭配万能账户，背后有许多功能加持，也并不是非它不可，竞争力有限。</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(34, 101, 193)" powered-by="xiumi.us"><p ><span ><strong ><span >03</span></strong></span><strong ><br /></strong></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(0, 0, 0)">小鱼儿认为，星财神这款产品总体来说还是比较有优势，趸交和3年交可以重点考虑！</span></p><section ><o:p></o:p></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZAia3LdRK2YYUWsrLTYGYmyT72j8lF2RNXSibXia1OLQ0spic1aJxPPtbQUzLIQq2vTPPGJica9MqXgyvA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZAia3LdRK2YYUWsrLTYGYmyT72j8lF2RNXSibXia1OLQ0spic1aJxPPtbQUzLIQq2vTPPGJica9MqXgyvA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><span >5年交表现一般，除非有戳到你的理由，通常不建议选择！</span></section><p ><span >另外不可忽视的是，</span><span >随</span><span >着第一梯队的增额寿相继下架</span><span >，好产品真的不多了。</span></p><p ><span >星财神作为一款定价接近3.5%的老产品，肯定撑不了太久。<br /></span></p><p ><strong><span style="color: rgb(34, 101, 193)">想上车，建议抓紧时间！</span></strong></p><section ><section style="text-align: left" powered-by="xiumi.us"><section ><section style="text-align: justify" powered-by="xiumi.us"><section ><section powered-by="xiumi.us"><section ><svg viewbox="0 0 1 1" ></svg></section></section></section><section ><section powered-by="xiumi.us"><section style="color: rgb(34, 101, 193)"><p >END</p></section></section></section><section ><section powered-by="xiumi.us"><section ><svg viewbox="0 0 1 1" ></svg></section></section></section></section></section></section></section><section ><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" /><br /></section><p ></mp-style-type></p>
