<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><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >很多人不懂定期寿险，寿险是人死赔钱，</span></span><span style="color: rgb(235, 201, 0); text-align: justify">定期寿险就是只保一定期限，不保终身。</span><span style="color: rgba(0, 0, 0, 0.9)"><span text >优势是价格特别便宜，劣势是保障期限结束合同就结束了，后面人死也不赔了。</span></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >我今天测评两款定期寿险，带大家仔细了解一下什么是定期寿险，看下定期寿险到底应该怎么买比较划算。</span></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >买定期寿险，究竟是哪些人要买呢？其实可以一句话概括：</span><span text >谁倒下这个家就扛不住的，谁就必须买。</span></span><span style="color: rgb(235, 201, 0); text-align: justify"><span><br /></span></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >具体到家庭成员中，就是家庭经济支柱、独生子女、或者背负大额房贷跟车贷的人，建议要买一份定期寿险。</span></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >为什么叫定期寿险？因为它只保障一段时间，比如我买了保额</span></span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >100万保未来30年，如果身故了，我可以留100万给我的家人，如果未来30年没有身故，当然这个合同也就结束了，没有任何赔付。</span></span></font></p><section nodeleaf=""></mp-common-videosnap></section><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"><strong ><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(64, 34, 15)">一</span></span><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><br /></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong ><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span text >大麦 </span></span><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><font face="Noto Sans SC"><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span text >2026A款和</span></span><font face="Noto Sans SC"><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span text >臻爱2026，如何选择？</span></span></font></font></span></strong></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >那么，定期寿险应该怎么买呢？今天我选了热度比较高的</span><span text >华贵人寿的大麦</span></span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >2026A款</span><span text >，和支付宝上比较热门的</span><span text >同方全球的臻爱2026</span><span text >，给大家作个对比。</span></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >先说一下保费，我们以</span></span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >100万保额，保障至60岁，30年缴费，男性为例，</span></span><span style="color: rgb(235, 201, 0); text-align: justify">大麦是每年1213元，臻爱是每年1254元</span><span style="color: rgba(0, 0, 0, 0.9)"><span text >，大麦的价格明显更便宜一些。</span></span></font></p><section style="text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXPbYfulW96fyaqk3gSThJ5ffhK7CW2xmQFRj2oAPc2eZib3eX6vIra4xopTSALYocRcesxIvKVITFnOyicrhLBk8ItzLwoZnnZaA%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXPbYfulW96fyaqk3gSThJ5ffhK7CW2xmQFRj2oAPc2eZib3eX6vIra4xopTSALYocRcesxIvKVITFnOyicrhLBk8ItzLwoZnnZaA/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><p ><span><br /></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 style="color: rgb(64, 34, 15)">二</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong ><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span text >看健康告知，这直接决定你能不能买</span></span></strong></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >接下来我们测评具体产品条款情况。</span></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >先看健康告知，这一点直接决定你能不能买的问题。</span></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >大麦的</span></span><span style="color: rgb(235, 201, 0); text-align: justify">健康告知相对宽松一些</span><span style="color: rgba(0, 0, 0, 0.9)"><span text >，</span></span><span style="color: rgb(235, 201, 0); text-align: justify">不询问高发的结节</span><span style="color: rgba(0, 0, 0, 0.9)"><span text >，对于有甲状腺</span></span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >/乳腺/肺结节的朋友来说，要友好一些。</span></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >同时，大麦支持人工核保，即便有</span></span><span style="color: rgb(235, 201, 0); text-align: justify">甲状腺癌、乳腺原位癌、脑炎、乙肝</span><span style="color: rgba(0, 0, 0, 0.9)"><span text >等较严重的既往史也有投保的机会。</span></span></font></p><p ><span><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXNeUACmyVWFz2e3E1eiaf9uGAKB94s7jBRzrFRA89zM4tngnWoQWF92N7lOeGwnXWoPm57cZ5tbRe5JsvSbQzRmUveEnjYF6DnQ%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXNeUACmyVWFz2e3E1eiaf9uGAKB94s7jBRzrFRA89zM4tngnWoQWF92N7lOeGwnXWoPm57cZ5tbRe5JsvSbQzRmUveEnjYF6DnQ/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></span></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >不过需要注意的是，</span></span></font><font face="Noto Sans SC" style="color: rgb(235, 201, 0); text-align: justify"><span style="color: rgb(235, 201, 0); text-align: justify">大麦对于</span></font><font face="Noto Sans SC" style="color: rgb(235, 201, 0); text-align: justify"><span style="color: rgb(235, 201, 0); text-align: justify">46周岁以上的人，会增加问询近2年内的就医行为。</span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >并且</span></span></font><font face="Noto Sans SC" style="color: rgb(235, 201, 0); text-align: justify"><span style="color: rgb(235, 201, 0); text-align: justify">对于</span></font><font face="Noto Sans SC" style="color: rgb(235, 201, 0); text-align: justify"><span style="color: rgb(235, 201, 0); text-align: justify">BMI有硬性要求</span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >，体重如果超标的话，基本就买不了的。</span></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >臻爱的健康告知就明显偏严了，明确提到了</span></span><span style="color: rgb(235, 201, 0); text-align: justify">肺结节疾病</span><span style="color: rgba(0, 0, 0, 0.9)"><span text >，而且不支持智能核保也不支持人工核保，限制稍微多一些。</span></span></font></p><p ><span><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FiaZHDj9icvRXP2KjHU0ib4GZsStvhkcyaiaicOtmEgC2BSTKros6Y7WQZl8YUPD4PzQ2A8icTcVBL5NF1aSHRolWIm5cWu5HZn17PkJQ6hyXbrK4M%2F640%3Fwx_fmt%3Djpeg%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/iaZHDj9icvRXP2KjHU0ib4GZsStvhkcyaiaicOtmEgC2BSTKros6Y7WQZl8YUPD4PzQ2A8icTcVBL5NF1aSHRolWIm5cWu5HZn17PkJQ6hyXbrK4M/640?wx_fmt=jpeg&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></span></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >不过，它没有</span></span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >BMI限制，这就解决了一部分体重超标人群的投保难题。</span></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >再看下可选的额外保障，</span></span><span style="color: rgb(235, 201, 0); text-align: justify">大麦可以附加失能保险金</span><span style="color: rgba(0, 0, 0, 0.9)"><span text >，这是臻爱没有的。很多人买定寿只关注身故全残，但生活里还有一种更无奈的风险，就是失能，失能不仅自己没办法正常工作，还需要多个家人轮流照顾，整个家庭的经济状况会更加崩溃。</span></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >这个附加责任刚好能补上失能风险的保障。</span></span></font></p><p ><span><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXNmRwEIpzOyj5koJJr7D1zk8dhmUBckcOhrXHXFKbdbNSiaiazpdbIcJbDdRORpKutxorvjEjmuibPLPgCuJyqibfJMqYt7sRJwJ38%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXNmRwEIpzOyj5koJJr7D1zk8dhmUBckcOhrXHXFKbdbNSiaiazpdbIcJbDdRORpKutxorvjEjmuibPLPgCuJyqibfJMqYt7sRJwJ38/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></span></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >臻爱这边，则是可以附加</span></span><span style="color: rgb(235, 201, 0); text-align: justify">癌症身故额外赔付</span><span style="color: rgba(0, 0, 0, 0.9)"><span text >，</span></span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >65周岁前首次确诊癌症，若在五年内因此癌症身故，可额外赔付50%保额。</span></span></font></p><p ><span><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FiaZHDj9icvRXPeWyzFlCZurv9twEG8liaarJuKBfNFkDCQZD8aFtKjbI4UWvAwAmUXkssL08Aic6B87wLlxic1N2vXbXibaw1vVaa47aLrr52u7BQ%2F640%3Fwx_fmt%3Djpeg%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/iaZHDj9icvRXPeWyzFlCZurv9twEG8liaarJuKBfNFkDCQZD8aFtKjbI4UWvAwAmUXkssL08Aic6B87wLlxic1N2vXbXibaw1vVaa47aLrr52u7BQ/640?wx_fmt=jpeg&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></span></p><p ><span><br /></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 style="color: rgb(64, 34, 15)">三</span></span><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><br /></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span text >结语：</span></span><span><font face="Noto Sans SC"><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span text >大麦 </span></span></font><font face="Noto Sans SC"><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span text >2026A款，性价比更高</span></span></font></span></strong></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >整体来说，我觉得大麦</span></span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >2026A款健康告知更宽松，且可以附加失能保险金，性价比更高。</span></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >买定期寿险，从来不是选最贵最火的，而是选最贴合自己身体条件、职业情况、家庭责任的那一款，适合自己的，才是最好的保障~</span></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><br /></span></font></p><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 >有空的话，前面几篇重要文章可能也值得一看：</span></span></section><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 ><a target="_blank" style="color: rgb(87, 107, 149)" href="https://mp.weixin.qq.com/s?__biz=Mzg5Njk3MTA5Mg==&mid=2247504523&idx=1&sn=5048c7c0a4b34cae2fdd11d383f827f1&scene=21#wechat_redirect" textvalue="热门养老金大PK：星海赢家青鸾/火凤、明爱金彩D款、乐享鑫年、金生有约2.0......怎么选？" linktype="text">热门养老金大PK：星海赢家青鸾/火凤、明爱金彩D款、乐享鑫年、金生有约2.0......怎么选？</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); text-align: justify"><span ><a target="_blank" style="color: rgb(87, 107, 149)" href="https://mp.weixin.qq.com/s?__biz=Mzg5Njk3MTA5Mg==&mid=2247504471&idx=1&sn=33278ea281a051e4ce444430b6397e78&scene=21#wechat_redirect" textvalue="现在买重疾险，可能是未来10年最划算的决定" linktype="text">现在买重疾险，可能是未来10年最划算的决定</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); text-align: justify"><span ><a target="_blank" style="color: rgb(87, 107, 149)" href="https://mp.weixin.qq.com/s?__biz=Mzg5Njk3MTA5Mg==&mid=2247504442&idx=1&sn=9526329a0da5adb2f168209685ac0688&scene=21#wechat_redirect" textvalue="随机测血糖，很多年轻人破防了" linktype="text">随机测血糖，很多年轻人破防了</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); text-align: justify"><span ><a target="_blank" style="color: rgb(87, 107, 149)" href="https://mp.weixin.qq.com/s?__biz=Mzg5Njk3MTA5Mg==&mid=2247504325&idx=1&sn=256ecc3d8442e1a306f6efb37bd790b3&scene=21#wechat_redirect" textvalue="一年大几千的中高端医疗险，有必要吗？" linktype="text">一年大几千的中高端医疗险，有必要吗？</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); text-align: justify"><span ><br /></span></span></section><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%2FiaZHDj9icvRXMuCG3QMkhibRZyYrxY3D1qCrhYjchQgeKSAQiarDj9G5VG8jBBSLRV3uf3vAibWm3O63icKn9bz8kTIibEQbTNtdbCUdUv3umOAgr4%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26tp%3Dwebp%26retryload%3D1%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&retryload=1#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>
