<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><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span style="color: rgba(0, 0, 0, 0.9)"><span text >前段时间，</span></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 >我对市场上热门的分红增额寿产品做过一次对比：</span></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)"><a target="_blank" href="https://mp.weixin.qq.com/s?__biz=Mzg5Njk3MTA5Mg==&mid=2247503746&idx=1&sn=4875f9ff7d407c0caf723bb75e764aa3&scene=21#wechat_redirect" textvalue="8款分红增额寿深度PK：7月洗牌后，中英/中意/陆家嘴国泰/恒安标准/复保谁是真实力？" linktype="text">8款分红增额寿深度PK：7月洗牌后，中英/中意/陆家嘴国泰/恒安标准/复保谁是真实力？</a></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >其中，中英人寿的</span><span text >福满佳C款（卓越版）</span><span text >这款产品</span></span><span style="color: rgba(0, 0, 0, 0.9)"><span text >保底1.68%，长线预期能拉到3.23%，保证和预期收益双高</span></span><span style="color: rgba(0, 0, 0, 0.9)"><span text >，表现很不错。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >即使后面市场上又新出了黑马产品华泰的</span><a target="_blank" href="https://mp.weixin.qq.com/s?__biz=Mzg5Njk3MTA5Mg==&mid=2247504019&idx=1&sn=bfb84021d06fc65229eff7de2c15d870&scene=21#wechat_redirect" textvalue="华瑞金生2026" linktype="text">华瑞金生2026</a>，</span><span style="color: rgba(0, 0, 0, 0.9)"><span text >福满佳C款（卓越版）依然很有竞争力。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >所以今天，我想单独拿出这款产品，</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color:rgba(0, 0, 0, 0.9)">从<span text >收益、分红机制以及保险公司</span>实力三个角度<span text >重新深度拆解一下，看看值不值得选。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><br /></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(64, 34, 15)">一</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >同样100万保费，福满佳C款（卓越版）预期收益表现如何？</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 >我们先看大家最关心的预期收益。</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 >我把</span></span><span style="color: rgba(0, 0, 0, 0.9)"><span text >福满佳C款（卓越版）</span><span text >和当前市场上的热门产品做了个对比，</span></span><span style="color:rgba(0, 0, 0, 0.9)"><span text >统一按</span><span text >0岁男孩，一次性缴费100万元</span><span text >假设：</span></span></p><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXPv5n1jxDT6vicKeaBiaVA7eeyNfmkANVyrjlOdmBwD07c8eiaWg30v6QCSqVw9nJxdBm1TdEk7Cj1tqoQRF5MohIZHvv5MibXibD6U%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXPv5n1jxDT6vicKeaBiaVA7eeyNfmkANVyrjlOdmBwD07c8eiaWg30v6QCSqVw9nJxdBm1TdEk7Cj1tqoQRF5MohIZHvv5MibXibD6U/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="color: rgba(0, 0, 0, 0.9)"><span text >5年预期回本，在这几款产品里不算快。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >我们再看长期的收益表现，</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color:rgba(0, 0, 0, 0.9)"><span text >先看</span><span text >中短期</span><span text >节点，保单第10年：</span></span></section><ul ><li style="color:#000000"><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(0, 0, 0)">华泰-华瑞金生2026：</span><span text style="color: rgb(235, 201, 0)">127.12万</span></span></p></li><li style="color:#000000"><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(0, 0, 0)">复保-星福家天马版：</span><span text style="color: rgb(235, 201, 0)">126.83万</span></span></p></li><li style="color:#000000"><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(0, 0, 0)">陆家嘴国泰-泰赢家2.0：</span><span text style="color: rgb(235, 201, 0)">125.62万</span></span></p></li><li style="color:#ebc900"><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(235, 201, 0)">中英-福满佳C款（卓越版）：124.39万</span></span></p></li><li style="color:#000000"><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(0, 0, 0)">中意-一生中意（盛享版）：</span><span text style="color: rgb(235, 201, 0)">123.5万</span></span></p></li><li style="color:#000000"><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(0, 0, 0)">复保 - 星福家朱雀版：</span><span text style="color: rgb(235, 201, 0)">122.26万</span></span></p></li></ul><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >可以看到，短期10年维度，华瑞金生2026小幅领先，但其实几款产品差距很小。</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30年：</span></span></p><ul style="color: rgba(0, 0, 0, 0.9); text-align: justify"><li ><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >华泰-</span></span><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >华瑞金生2026：</span><span text style="color: rgb(235, 201, 0)">228.43万</span></span></section></li><li ><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >复保-</span></span><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >星福家天马版：</span><span text style="color: rgb(235, 201, 0)">227.91万</span></span></section></li><li ><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >陆家嘴国泰-</span></span><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >泰赢家2.0：</span><span text style="color: rgb(235, 201, 0)">225.71万</span></span></section></li><li style="color:#ebc900"><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text style="color: rgb(235, 201, 0)">中英-</span></span><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text style="color: rgb(235, 201, 0)">福满佳C款：224.31万</span></span></section></li><li ><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >中意-</span></span><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >一生中意（盛享版）：</span><span text style="color: rgb(235, 201, 0)">222.38万</span></span></section></li><li ><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >复保-星福家朱雀版：</span><span text style="color: rgb(235, 201, 0)">223万</span></span></section></li></ul><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >30年维度，依旧是</span></span><span style="color: rgba(0, 0, 0, 0.9)"><span text >华瑞金生2026</span></span><span style="color: rgba(0, 0, 0, 0.9)"><span text >小幅领跑，福满佳C差距依旧不大，4万左右。</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 >我们重点看</span><span text >超长期</span><span text >持有关键节点，保单第50年：</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><br /></span></strong></p><ul style="color: rgba(0, 0, 0, 0.9); text-align: justify"><li style="color:#ebc900"><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text style="color: rgb(235, 201, 0)">中英-</span></span><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text style="color: rgb(235, 201, 0)">福满佳C款：413.68万</span></span></section></li><li ><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >复保-</span></span><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >星福家朱雀版：</span><span text style="color: rgb(235, 201, 0)">412.46万</span></span></section></li></ul><ul style="color: rgba(0, 0, 0, 0.9); text-align: justify"><li ><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >华泰-</span></span><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >华瑞金生2026：</span><span text style="color: rgb(235, 201, 0)">410.58万</span></span></section></li><li ><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >复保-</span></span><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >星福家天马版：</span><span text style="color: rgb(235, 201, 0)">409.63万</span></span></section></li><li ><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >陆家嘴国泰-</span></span><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >泰赢家2.0：</span><span text style="color: rgb(235, 201, 0)">405.68万</span></span></section></li><li ><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >中意-</span></span><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >一生中意（盛享版）：</span><span text style="color: rgb(235, 201, 0)">400.52万</span></span></section></li></ul><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >持有时间拉长至50年，福满佳C款（卓越版）实现反超，预期现价登顶榜单。</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 >继续拉长周期，优势还会持续放大，长线预期IRR突破3%，达到</span><span text style="color: rgb(235, 201, 0)">3.18%</span><span text >，很亮眼，而此时</span></span><span style="color: rgba(0, 0, 0, 0.9)"><span text >华瑞金生2026</span></span><span style="color: rgba(0, 0, 0, 0.9)"><span text >只有2.92%。</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，除了</span></span><span style="color: rgba(0, 0, 0, 0.9)"><span text >福满佳C款（卓越版）以外，复保的星福家朱雀版长线也突破了3%，达到</span><span text style="color: rgb(235, 201, 0)">3.24%</span><span text >，我们可以关注一下。</span></span></p><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >接下来我们再看一下保证利益部分：</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXOKTo7mZ49A84ztfDA8luQCtRMJJpquyg54X8Bbia8zOrKUu7BwFT14WDpIHKWm600DrzGcJiarkAUxJ5QibDsO04DZx3TvrlDCw0%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXOKTo7mZ49A84ztfDA8luQCtRMJJpquyg54X8Bbia8zOrKUu7BwFT14WDpIHKWm600DrzGcJiarkAUxJ5QibDsO04DZx3TvrlDCw0/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)">5年保证回本，大差不差。</span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color:rgba(0, 0, 0, 0.9)">保证现价整体不如<span text >华泰的华瑞金生2026、复保的星福家天马版以及陆家嘴国泰的泰赢家2.0</span>亮眼，但是细看数据其实差别也不算大。</span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)">比如说保单第30年，</span><span style="color: rgba(0, 0, 0, 0.9)"><br /></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >华瑞金生2026保证现价</span><span text style="color: rgb(235, 201, 0)">159.5万</span><span text >，</span></span><span style="color:rgba(0, 0, 0, 0.9)"><span text >星福家天马版</span><span text style="color: rgb(235, 201, 0)">159.1万</span><span text >，</span></span><span style="color:rgba(0, 0, 0, 0.9)"><span text >泰赢家2.0是</span><span text style="color: rgb(235, 201, 0)">157.6万</span><span text >，</span></span><span style="color: rgba(0, 0, 0, 0.9)"><span text >福满佳C款（卓越版）是</span><span text style="color: rgb(235, 201, 0)">157.3万</span><span text >。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >仅仅几千到2万块的差距，几乎可以忽略。</span></span></section><section 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></section><section 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</span></span><span style="color: rgba(0, 0, 0, 0.9)"><span text >C款（卓越版）这款产品本身，最大的优势就在于</span><span text >长线预期收益很突出</span><span text >。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color:rgba(0, 0, 0, 0.9)"><span text >这里我再简单跟大家解释一下：</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color:rgba(0, 0, 0, 0.9)"><span text >为什么</span><span text >前30年福满佳C款（卓越版）并没有明显领先，但持有到后期却反超了，长线预期收益还能突破3%</span>？</span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >核心原因就在于它采用了</span><span text >类似英式分红理念</span>的设计：</span><strong><span style="color: rgba(0, 0, 0, 0.9)"><br /></span></strong></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >增额红利+终了红利</span></span></strong></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)">相比单纯依靠增额红利的产品，它多了一层终了红利的收益来源，随着持有时间拉长，终了红利的累积效果会逐渐体现。</span></p><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXOEMicjxdrAYkBCt0PZLv9MibZwHCsFcszElcc5Eib0sLcfVYzdCjaqltibicPTyKpM8ArPMIW78qoxIRvSg1CMh06HibI2pK3iby3vrM%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXOEMicjxdrAYkBCt0PZLv9MibZwHCsFcszElcc5Eib0sLcfVYzdCjaqltibicPTyKpM8ArPMIW78qoxIRvSg1CMh06HibI2pK3iby3vrM/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)">简单理解，增额红利更像是“<span text >每年积累的小步增长</span>”，而终了红利像是“<span text >长期持有后的额外奖励</span>”。</span></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)">这也是为什么福满佳C款（卓越版）在前期优势并不明显，但随着持有时间拉长，长期收益会逐渐体现。</span></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 style="color: rgb(136, 136, 136)">不过关于分红方式，这里面还有很多细节，比如增额红利和终了红利具体如何运作，增额红利跟现金红利有什么区别，我这里就不展开讲了，后续有机会可以单独写一篇文章详细聊。</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 >不过说实话，除了考虑保单传承以外，</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 >大多数客户其实不会真的看到50年、100年这么久，</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 >对于普通家庭来说，</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 >规划增额寿，更多关注的是</span><span text >未来10年、20年、30年的资金积累</span><span text >。</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 >从这个维度来看，福满佳C款（卓越版）虽然不是前30年收益最高的产品，但横向对比下来，和华泰华瑞金生2026、星福家天马版、泰赢家2.0等热门产品差距都非常小，都属于</span><span text >第一梯队</span><span text >。</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 >这个时候，我们就不能只盯着收益演示表了，</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 >因为分红产品和普通增额寿最大的区别就在于：</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 >未来收益有一部分来自分红。</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 >未来分红能不能兑现、能兑现多少，本质上考验的是</span><span text >保险公司的投资能力、盈利能力以及分红管理能力</span><span text >。</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，选择分红增额寿，除了看产品收益，更重要的是看背后的保险公司实力。</span></span></p><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 >那么，中英人寿到底有没有能力支撑长期分红？</span></span></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 >我们接着来看。</span></span></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)"><br /></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(64, 34, 15)">二</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >背后的保司，中英人寿，怎么样？</span></span></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 >中英人寿成立于2003年，是一家中外合资保险公司，</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 >背后的股东，简单来说就是两个字：</span></span><strong><span>硬核。</span></strong></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 >中方股东中粮集团，实力不用多说。</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 >国务院</span><span text >直属大型央企</span><span text >，</span><span text >世界500强企业</span><span text >，也是关系国家粮食安全的重要战略企业，</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 >大家平时熟悉的蒙牛、福临门、中茶、大悦城等品牌，都来自中粮旗下。</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 >可以说，</span><span text >中粮提供</span><span text >的是一个</span><span text >央企级别的稳定底盘</span><span text >。</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 >外方股东英杰华集团（Aviva），同样来头不小。</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 >它成立于1696年，有</span><span text >300多年的保险经营历史</span><span text >，</span></span><span style="text-align:justify; color:rgba(0, 0, 0, 0.9)"><span text >经历过</span><span text >两次世界大战、多轮经济周期和金融危机</span><span text >，</span></span><span style="text-align:justify; color:rgba(0, 0, 0, 0.9)"><span text >依旧经营得好好的</span></span><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="text-align:justify; color:rgba(0, 0, 0, 0.9)"><span text >它还是</span><span text >英国</span><span text >NO.1的保险集团</span><span text >，在分红险经营、长期资产配置以及风险管理方面，经验非常丰富。</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 >所以这个股东组合，可以理解为</span><span text >一个负责稳定，一个负责专业</span><span text >。</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 >那这样的股东背景，最终给中英人寿带来了什么成绩？</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 >我们直接看数据。</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 >我把中英人寿和前面提到的、也是市场上最热门的几家保险公司放到一起，横向对比了各家核心经营指标：</span></span></p><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXPWrnl2RjJ1FLZgNe9xf9P6WQ8u5zHbdJI2Fx1ByxznNicm1fGSSUAGOkl6DXtyCVBf9TKSAJjeibicqcJ0G403b67UIPyqU5hWMU%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXPWrnl2RjJ1FLZgNe9xf9P6WQ8u5zHbdJI2Fx1ByxznNicm1fGSSUAGOkl6DXtyCVBf9TKSAJjeibicqcJ0G403b67UIPyqU5hWMU/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 >首先看</span><span text >偿付能力</span><span text >，</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 >中英人寿综合偿付能力充足率达到</span><span text style="color: rgb(235, 201, 0)">275.63%</span><span text >，核心偿付能力充足率达到</span><span text style="color: rgb(235, 201, 0)">192.95%</span><span text >。</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 >不仅远超监管要求，在这几家保司里也是最高的，说明经营非常稳定。</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 >再看</span><span text >风险评级</span><span text >，</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 >中英人寿是</span><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 >，这是监管给出的最高评级，</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)">很多寿险公司常年只能维持AA、A，能稳定拿下AAA的寿险公司数量并不多。</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)">而中英，已经连续拿到<span text style="color: rgb(235, 201, 0)">12次AAA评级</span>了，<span text >抗风险能力不用多说</span>。</span></p><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXNcV1bgExNH1HLZabR6xb17pQKwFdvCiclMtQC4B0qibcKBuiad6VDbm7fL8ic6Eia4uZhJhMMplQ3gI6r8Xibua752ZoseXyFb7V5UU%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXNcV1bgExNH1HLZabR6xb17pQKwFdvCiclMtQC4B0qibcKBuiad6VDbm7fL8ic6Eia4uZhJhMMplQ3gI6r8Xibua752ZoseXyFb7V5UU/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)">再看<span text >投资能力</span>，这是保险公司持续赚钱的核心。</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)">从近三年的平均投资收益率来看，中英人寿达到<span text style="color: rgb(235, 201, 0)">5.40%</span>，综合投资回报率达到<span text style="color: rgb(235, 201, 0)">8.06%</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)">依旧是这几家里最高的，真的很强......</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)">这背后其实就英杰华集团在发力，300多年的资产管理经验，实打实体现在收益率上了。</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)">不过，投资收益最终还是要体现在客户拿到的分红上。</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)">所以最后，我们再来看大家最关心的<span text >分红实现情况</span>：</span></p><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXO3Vxib75qepdsR5DBoMFl10nGCkuTeubicdicibvS2zzz4D0cNRFJp7BMoqoIEMbtG07AVIgNQvVTuygr0vjjR1Oc0BfCShGP0OpI%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXO3Vxib75qepdsR5DBoMFl10nGCkuTeubicdicibvS2zzz4D0cNRFJp7BMoqoIEMbtG07AVIgNQvVTuygr0vjjR1Oc0BfCShGP0OpI/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)">限高之前，基本都是<span text style="color: rgb(235, 201, 0)">100%</span>达成。</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)">近3年受到限高和市场环境的影响，部分产品有所回落，但是整体还是不错的，大部分都在<span text style="color: rgb(235, 201, 0)">70%以上</span>，很多产品还能<span text style="color: rgb(235, 201, 0)">100%以及上</span>达成。</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)">我又进一步统计了对比的这几家保司近几年平均分红实现率表现：</span></p><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXNX5L9NeuWbyKo4O9BK9QTC6HODajJMr7fbcLaywMDcDH2RGQ9BKSIDwWgyg0n5wu7YFBAsSKT1Hf2HPCY1GGKyJFRpLA2C67c%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXNX5L9NeuWbyKo4O9BK9QTC6HODajJMr7fbcLaywMDcDH2RGQ9BKSIDwWgyg0n5wu7YFBAsSKT1Hf2HPCY1GGKyJFRpLA2C67c/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)">可以看到，</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)">中英人寿2024年实现率均值达到<span text style="color: rgb(235, 201, 0)">104%</span>，2025年是<span text style="color: rgb(235, 201, 0)">86%</span>，整体的表现，很稳定，也还是很突出。</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)">再顺便看一下复星保德信这家保司，近两年的平均分红表现是没那么好看的，所以虽然它长线预期也很高，破了3%，但是没有推荐给大家，原因就在这。</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)">所以综合来看，中英人寿：</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)">股东背景上，有中粮这样的<span text >央企股东</span>提供稳定支撑，也有英杰华这样的<span text >百年保险集团</span>带来成熟的经营经验；</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)">经营能力上，偿付能力、风险评级、投资收益表现，在同类型保司里<span text >都属于比较靠前的水平</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)">分红能力上，虽然未来分红并不能保证，但从过去几年的实现情况来看，中英人寿整体<span text >表现比较稳定</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)">完全可以信赖~</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)"><br /></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(64, 34, 15)">三</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 >总结一下</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 >从长期收益潜力、分红设计以及保险公司实力来看，</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 >中英人寿的</span></span><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span text >福满佳C款（卓越版）这款产品确实是</span></span><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span text >非常值得大家重点关注的~</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)">通过增额红利+终了红利的设计，让产品在长期持有过程中有机会释放更高的收益空间。</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)">同时，背靠中粮和英杰华，中英人寿在公司实力、投资能力以及分红经营经验方面，也具备一定优势。</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)">综合来看，福满佳C款（卓越版）比较适合那些<span text >希望长期规划资金、追求稳健积累，同时又希望未来有机会获得更高收益的人群</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)">如果你正在考虑分红增额寿，不知道自己的资金更适合哪款产品，可以找我免费咨询，</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)">我可以帮你结合资金规划、使用时间和需求，做一份详细测算。</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 nodeleaf="" style="color: rgba(0, 0, 0, 0.9); text-align: center"><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); text-align: justify"><span ><br /></span></section><section style="color: rgba(0, 0, 0, 0.9); 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text-align: center"><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><span><br /></span></section><p><span><span text >点击“阅读原文”进入「保险商城」</span></span></p><p ></mp-style-type></p>
