<section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2F1QPP1s0AFkf8S0qnvYJDGSdVV4RrticAtRoF6jASm3QhkJGk8OcQYiaIqE6O2NW4IIm6Tjib3QoUS5QGib1Vyly4Cw%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/1QPP1s0AFkf8S0qnvYJDGSdVV4RrticAtRoF6jASm3QhkJGk8OcQYiaIqE6O2NW4IIm6Tjib3QoUS5QGib1Vyly4Cw/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><span style="color: rgb(33, 89, 103)"><strong><span style="color: rgb(33, 89, 103)">一、</span></strong></span></section><section ><span >3.5%时代落幕在即，</span></section><section ><span >不久前测评的</span><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzk0MDIzMDU4MQ==&mid=2247485991&idx=1&sn=6964dbce4c6bf44c92d080f090fcac60&chksm=c2e598fdf59211eb1d296c9e19ab99a4c72f7ac25ac8564df675179e8e42272cdacd2bc506bf&scene=21#wechat_redirect" textvalue="趸交增额寿竞争力排行" linktype="text" imgurl="" imgdata="null" tab="innerlink" ><span >趸交增额寿竞争力排行</span></a><span >里</span><span style="color: rgb(34, 34, 34)">，如意鑫享/颐享，永续我爱等产品都</span><span style="color: rgb(34, 34, 34)">已经没了。</span></section><section ><span style="color: rgb(34, 34, 34)">并且T1级别的弘康金满意足3号也将于6月7日停止录入。</span></section><section ><span style="color: rgb(34, 34, 34)">时间有限，今天接着来看短期缴费时，哪些增额寿值得入手。</span><o:p></o:p></section><section ><span style="color: rgb(34, 34, 34)">依旧搜集</span><span >了市面上所有支持3年、5年交的产品。</span></section><section ><span >既有大家熟知的平安、国寿等大型保险公司，也有数量庞大的中小保险公司。</span><br /></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_jpg%2F1QPP1s0AFkdaGgIAKVOVe3WTNNiat6ibhnC1h6TsdywfrzMkgiacfWRWnDdibzU9dwm4SzYspfnvCicmiaF2MK0uCzHg%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_jpg/1QPP1s0AFkdaGgIAKVOVe3WTNNiat6ibhnC1h6TsdywfrzMkgiacfWRWnDdibzU9dwm4SzYspfnvCicmiaF2MK0uCzHg/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)">节选部分</span></section><section ><span >在这两个缴费期下，最终筛选出现金价值（核心）表现优异且极具特色产品，分别是：</span></section><p ><span style="color: rgb(33, 89, 103)">1、「弘康人寿」-金玉满堂(弘福多多)/金满意足3号；</span><o:p></o:p></p><p ><span style="color: rgb(33, 89, 103)">2、<span style="color: rgb(33, 89, 103)">「富德生命人寿」-瑞祥人生；</span></span></p><p ><span style="color: rgb(33, 89, 103)"><span style="color: rgb(33, 89, 103)">3、<span style="color: rgb(33, 89, 103)">「国联人寿」-鑫运两全；</span></span></span></p><p ><span style="color:#215967"><span >4、</span></span><span style="color: rgb(33, 89, 103)">「信泰人寿」-如意永享；</span></p><p ><span style="color: rgb(33, 89, 103)">5、「和泰人寿」-鑫享盈(2022版)/鑫享福；</span><span ></span></p><p ><span style="color: rgb(33, 89, 103)">6、「</span><span style="color: rgb(33, 89, 103)">复星保德信人寿」-星财神；</span><o:p></o:p></p><p ><span style="color: rgb(33, 89, 103)">7、「中邮人寿」-邮保一生2.0；</span></p><section ><span style="color: rgb(33, 89, 103)">8、「上海人寿」-臻鑫传家；</span></section><p ><span style="color: rgb(33, 89, 103)">9、「北京人寿」-京福传世爱(尊享版)；</span></p><section ><span style="color: rgb(33, 89, 103)">10、「爱心人寿」-</span><span style="color: rgb(33, 89, 103)">映山红2.0。</span></section><section ><span >下面我们来详细看看这些产品的表现。</span><o:p></o:p></section><section ><span ><strong><span style="color: rgb(33, 89, 103)">二、</span></strong></span><o:p></o:p></section><section ><strong><span >三年交现金价值对比：</span></strong></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_jpg%2F1QPP1s0AFkdaGgIAKVOVe3WTNNiat6ibhn9YR7O2yEdwdm6o6LxWROvaiaPaUL5RibAgxB5Lk3ZY8ZBibTUhibPg3f1g%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_jpg/1QPP1s0AFkdaGgIAKVOVe3WTNNiat6ibhn9YR7O2yEdwdm6o6LxWROvaiaPaUL5RibAgxB5Lk3ZY8ZBibTUhibPg3f1g/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><section ><strong><span >前20年，</span></strong></section><section ><span ><span >现金价值前三的产品为</span>：</span><o:p></o:p></section><section ><span style="color: rgb(33, 89, 103)"><strong><span ><strong style="color: rgb(33, 89, 103)">如意永享></strong>金玉满堂>星财神≈<strong style="color: rgb(33, 89, 103)">瑞祥人生</strong></span></strong></span><span >。</span><o:p></o:p></section><section ><span >除了鑫享盈(2022版)、鑫享福、金满意足3号之外，其它几款产品现金价值表现都挺不错，只是相较于前几名有一点差距。</span></section><section ><strong><span >20年后，</span></strong></section><section ><span >各款产品的水平稳定，表现最好的几款分别是：<strong><span style="color: rgb(33, 89, 103)">鑫享盈<span >(2022版</span><span >)</span>><strong ><span style="color: rgb(33, 89, 103)">如意永享<strong ><span style="color: rgb(33, 89, 103)">>鑫享福<strong style="color: rgb(33, 89, 103)"><span >≈</span></strong></span><strong ><span style="color: rgb(33, 89, 103)">金满意足3号/金玉满堂</span></strong></strong>。</span></strong></span></strong></span><span ></span></section><section ><o:p></o:p></section><section ><span >如</span><span >意永享、金玉满堂都是全周期现金价值表现优秀，无20%减保限制的好产品。</span></section><section ><span >鑫享盈(2022版)/鑫享福</span><span >、金满意足3号则是后期发力，前期表现一般的“偏科生”。<br /></span></section><section ><span >映山红2.0、星财神、瑞祥人生的整体其实表现也都不错，只是与前几名的现金价值有一点点差距。</span></section><section ><span >邮保一生2.0在大公司产品中表现优异，中意大公司好产品的可以关注。</span></section><section ><span ></span></section><section ><strong><span >五年交现金价值对比：</span></strong></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_jpg%2F1QPP1s0AFkdaGgIAKVOVe3WTNNiat6ibhnnbxYQut3YVABmINxgEDHqMt1iadd5qZvjFIeJnMI2aKicF5bKniamlOJw%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_jpg/1QPP1s0AFkdaGgIAKVOVe3WTNNiat6ibhnnbxYQut3YVABmINxgEDHqMt1iadd5qZvjFIeJnMI2aKicF5bKniamlOJw/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><section ><strong><span >前20年，</span></strong></section><section ><span >这些产品间的竞争很是激烈。</span><o:p></o:p></section><section ><span >此期间内现金价值整体表现优异的有：<span style="color: rgb(33, 89, 103)"><strong>金玉满堂、瑞祥人生、臻鑫传家、京福传世爱(尊享版)、</strong></span></span><span style="color: rgb(33, 89, 103)"><strong>邮保一生2.0、映山红2.0</strong></span><span >。</span></section><section ><o:p></o:p></section><section ><strong><span >20年后，</span></strong></section><section ><span >现金价值前三的有：<span style="color: rgb(33, 89, 103)"><strong><strong ><span style="color: rgb(33, 89, 103)">鑫享盈(2022版)</span></strong>><strong ><span style="color: rgb(33, 89, 103)">鑫享福</span></strong><strong style="color: rgb(33, 89, 103)">></strong>金满意足3号<strong style="color: rgb(33, 89, 103)"><span >/</span></strong>金玉满堂</strong></span>。</span><o:p></o:p></section><section ><span >瑞祥人生、鑫运两全表现也很稳定，与top3差距很小。</span><o:p></o:p></section><section ><span >邮保一生2.0、京福传世爱(尊享版)、臻鑫传家、映山红2.0四款产品的现金价值几乎一致，相较于市场上其它产品的回报是非常可观的。</span><o:p></o:p></section><section ><strong><span >综上，</span></strong></section><section ><span >3/5年交最为推荐的产品为：</span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2F1QPP1s0AFkddZ84CmDHRMwyjtWOiaQktcc4BkVbqOh6jgeThRicRf7Tk1JwDAhTkUjDTg2YLv8MPHSBVgtaqG94A%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/1QPP1s0AFkddZ84CmDHRMwyjtWOiaQktcc4BkVbqOh6jgeThRicRf7Tk1JwDAhTkUjDTg2YLv8MPHSBVgtaqG94A/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><span ><strong><span style="color: rgb(33, 89, 103)">三、</span></strong></span><o:p></o:p></section><section ><span >再来看下几款代表产品的详细数据。</span><o:p></o:p></section><section ><strong><span >3年交：</span></strong></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_jpg%2F1QPP1s0AFkdaGgIAKVOVe3WTNNiat6ibhnKU1LBUgI4icg9zt1wK2e4mmxZKFdVA7ydqkkXNfUGMNSxZdJ4icJa8Uw%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_jpg/1QPP1s0AFkdaGgIAKVOVe3WTNNiat6ibhnKU1LBUgI4icg9zt1wK2e4mmxZKFdVA7ydqkkXNfUGMNSxZdJ4icJa8Uw/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><section ><strong><span >5年交</span></strong></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_jpg%2F1QPP1s0AFkdaGgIAKVOVe3WTNNiat6ibhnZjfsabISM6LvZ9PTicqdfy3MgGB5jgdAHKicFju4l7BhZLw6897x4qNA%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_jpg/1QPP1s0AFkdaGgIAKVOVe3WTNNiat6ibhnZjfsabISM6LvZ9PTicqdfy3MgGB5jgdAHKicFju4l7BhZLw6897x4qNA/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /><span style="text-align: justify"></span></section><section ><span >没放鑫享福、金满意足3号，是由于这些和鑫享盈(2022版)都是后期发力的产品，只</span><span >选了</span><span >表现</span><span >最好的鑫享盈</span><span >(2022版)为代表。</span></section><section ><span ></span></section><section ><span ></span></section><section ><span >多数产品的分析与点评在<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzk0MDIzMDU4MQ==&mid=2247485991&idx=1&sn=6964dbce4c6bf44c92d080f090fcac60&chksm=c2e598fdf59211eb1d296c9e19ab99a4c72f7ac25ac8564df675179e8e42272cdacd2bc506bf&scene=21#wechat_redirect" textvalue="《趸交排行榜》" linktype="text" imgurl="" imgdata="null" tab="innerlink">《趸交排行榜》</a>里已经说过，这里大家自行对比数据即可。</span></section><section ><span >关注减保的朋友，我也整理好了。</span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_jpg%2F1QPP1s0AFkddZ84CmDHRMwyjtWOiaQktchgSfpvIBCZzYH3qFa9pxB1d7PnkicmcwzltN6adgjheJMMjyYsQAAYg%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_jpg/1QPP1s0AFkddZ84CmDHRMwyjtWOiaQktchgSfpvIBCZzYH3qFa9pxB1d7PnkicmcwzltN6adgjheJMMjyYsQAAYg/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><section ><span >有些产品能在较短的时间内减保，但如果现金价值没有超过已交保费就去减保，会带来亏损。</span></section><section ><span ><span style="text-align: left">所以关于时间限制，大家不用过多在意，在封闭期内如果要周转资金也可以使用保单贷款周转出一笔资金</span><span style="text-align: left">。</span></span></section><section ><span style="text-align: left; color: rgb(136, 136, 136)">封闭期：现金价值超过已交保费的时间。</span></section><section ><span ><span style="text-align: left">关于年度减保上限，</span></span><span >没有20%的年度减保限制最好。</span></section><section ><span >减保</span><span >操作方式，可在线减保最佳，邮件减保次之，柜面减保最差。</span></section><section style="text-align: left"><span >以上产品中，只有<span style="text-align: left">臻鑫传家、</span>星财神减保相对麻烦一些，其它的都还不错。</span></section><section ><strong><span >总的来说，</span></strong></section><p ><span >3/5年交的优秀产品，与趸交会有一两款的差别。<br /></span></p><p ><span >具体选择时，可根据实际情况及需求进行筛选。</span></p><p ><span >以上这些产品都是如今的佼佼者。</span></p><p ><span >随着3.0%时代的到来，好产品正在陆续下架。</span><span ></span></p><p ><span >所以，有家庭资产配置需求的朋友，一定要抓住这最后的过渡期。<br /></span></p><p ><span >最后附上当前增额产品的挑选建议：</span></p><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTNJyptyhRLicKQY2fuk5HbOSXTibSOzbicialCX3VF1icqZk472kxPyCibWjs3gYZfb6u7IB5mn2EaGwZiag%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTNJyptyhRLicKQY2fuk5HbOSXTibSOzbicialCX3VF1icqZk472kxPyCibWjs3gYZfb6u7IB5mn2EaGwZiag/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /><span style="text-align: justify"></span></section><section ><span >如果对产品还有疑问，或者想对比其它产品，欢迎扫描下方二维码，添加专属规划老师，<span style="color: rgb(255, 104, 39)"><strong >免费咨询</strong></span>。</span></section><section label="Powered by 365editor" ><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_gif%2F1QPP1s0AFkfic7gf5VF5EwqW6SXdWAFFOJTzBZ6rIIUylAM7qVDGbvw3tGHWYJQjbkvrlqncpkcFTlMVE3CKJDQ%2F640%3Fwx_fmt%3Dgif%26wxfrom%3D5%26wx_lazy%3D1%26wx_co%3D1" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_gif/1QPP1s0AFkfic7gf5VF5EwqW6SXdWAFFOJTzBZ6rIIUylAM7qVDGbvw3tGHWYJQjbkvrlqncpkcFTlMVE3CKJDQ/640?wx_fmt=gif&wxfrom=5&wx_lazy=1&wx_co=1" alt="懂保爷测评配图" loading="lazy" /></section><section ></mp-common-profile></section></section><p ></mp-style-type></p>
