分红险标杆产品！中英福满佳2.0全面测评

<section style="text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvRMRQ8Ot4BB9nrCw1EicbYY3lJMPC5n8NEwOm04yG4OtkRLNkOJZSCeey71IM1UpXswicff1otoiaAJg%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvRMRQ8Ot4BB9nrCw1EicbYY3lJMPC5n8NEwOm04yG4OtkRLNkOJZSCeey71IM1UpXswicff1otoiaAJg/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: justify"><span >作为顶流产品的延续，</span><span >福满佳2.0上线后一直备受关注。</span></section><section style="text-align: justify"><span >这款产品回报如何？背后保险公司怎么样？有哪些亮点？</span></section><section style="text-align: justify"><span >我们来一探究竟。</span></section><section style="text-align: justify"><span ></span></section><section style="text-align: justify"><span style="color: rgb(33, 89, 103)"><strong><span >一、</span></strong></span></section><section style="text-align: justify"><span >先来看下产品。<br /></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvQ3Y7VH4ccR5omWlAoU17rAe9v6LH1Hqde0l77FibtpqiaNicbhqpQ496ou0ZATXn35KbiaKpKl52icS6w%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvQ3Y7VH4ccR5omWlAoU17rAe9v6LH1Hqde0l77FibtpqiaNicbhqpQ496ou0ZATXn35KbiaKpKl52icS6w/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: justify"><span >福满佳2.0最高支持65岁投保，缴费期除了常规的趸交、3/5/10年交，还支持6年交、8年交。</span></section><section style="text-align: justify"><span >支持隔代投保，可以设置第二投保人，满足保费要求还能对接合作的养老社区和保险金信托资源。</span></section><section style="text-align: justify"><span >作为一款分红型产品，其红利分配形式为现金红利。</span></section><section style="text-align: justify"><span >我们可选直接领取现金红利，也可以不领取在保险公司存着累积生息（当前<span >利率</span>2.75%，承诺不低于1年期定存）或抵交续期保费。</span></section><section style="text-align: justify"><span >考虑到现金红利的长期回报不如增额红利，中英人寿也提供了交清增额选项。</span></section><section style="text-align: justify"><span style="color: rgb(33, 89, 103)">即把发放的现金红利，作为一次性交清的净保险费，购买交清增额保险。等于把现金分红产品，变相改成了保额分红产品，藉此大幅提升产品回报。</span></section><p ><span >此外，福满佳2.0还有着丰富的增值服务。<br /></span></p><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvQ3Y7VH4ccR5omWlAoU17rAO808uZrySRoTronHUVx9qiby5WOdZEs4aoG3JveLwVHnwkwyiapNnKPQ%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvQ3Y7VH4ccR5omWlAoU17rAO808uZrySRoTronHUVx9qiby5WOdZEs4aoG3JveLwVHnwkwyiapNnKPQ/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></p><p ><span >根据保费级别，提供有法税咨询、体验服务、就医陪诊、健康咨询等。</span></p><p ><span >产品层面就说到这里，我们接着看福满佳2.0的回报情况。</span></p><section style="text-align: justify"><span ><strong><span style="color: rgb(33, 89, 103)">二、</span></strong></span></section><p ><span >分红型增额寿，保单利益主要体现在保证回报+红利回报上。</span></p><p ><span style="color: rgb(33, 89, 103)">保证回报是保司在无分红情况下，给到客户的兜底收益；</span></p><p ><span style="color: rgb(33, 89, 103)">红利回报是加上红利分配后的预期收益（红利分配是不确定的，实际可能更高，也可能更低甚至0）</span></p><p ><span >我们以给孩子投保，总保费<strong>30万</strong>为例，</span></p><p ><span >分别对比下福满佳2.0和当前几款优质分红险的保单利益。</span></p><section><section ><section ><section ><section ><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvQ3Y7VH4ccR5omWlAoU17rA813icj80Leic1X9CbvWKjhkaX4dbNyhwXVeWkIfVnMWF08icqIl0pQdOQ%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvQ3Y7VH4ccR5omWlAoU17rA813icj80Leic1X9CbvWKjhkaX4dbNyhwXVeWkIfVnMWF08icqIl0pQdOQ/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section></section><section ><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvQ3Y7VH4ccR5omWlAoU17rAyWQ17ia03uAUg5zic3bDwTYxOC0KnIQofxp9UaubEDm7EnMia2bYiaYiacA%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvQ3Y7VH4ccR5omWlAoU17rAyWQ17ia03uAUg5zic3bDwTYxOC0KnIQofxp9UaubEDm7EnMia2bYiaYiacA/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section></section><section ><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvQ3Y7VH4ccR5omWlAoU17rARuiafl5iaYWKuQnyTcDGHcdShKD9u3mFdlqWLW58ENbDYmLjwSiaOO6mQ%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvQ3Y7VH4ccR5omWlAoU17rARuiafl5iaYWKuQnyTcDGHcdShKD9u3mFdlqWLW58ENbDYmLjwSiaOO6mQ/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section></section><section ><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvQ3Y7VH4ccR5omWlAoU17rAk0UicsTu5bjO87tywQVQm4TAaY9o2icUtqvHciczicMgkNmnB0DzgHUciaw%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvQ3Y7VH4ccR5omWlAoU17rAk0UicsTu5bjO87tywQVQm4TAaY9o2icUtqvHciczicMgkNmnB0DzgHUciaw/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section></section></section></section><section><p style="text-align:center"><span >左右</span><span >滑动查看更多<strong>保证利益</strong>对比</span><span style="text-align: justify"></span></p></section></section></section><section style="text-align: justify"><strong><span ></span></strong></section><section><section ><section ><section ><section ><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvQ3Y7VH4ccR5omWlAoU17rA96SeHsBPvgkr4FQ0HN8wchnQxTOQPiaJJLplrbgvcxfPEICic5yDFd7w%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvQ3Y7VH4ccR5omWlAoU17rA96SeHsBPvgkr4FQ0HN8wchnQxTOQPiaJJLplrbgvcxfPEICic5yDFd7w/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section></section><section ><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvQ3Y7VH4ccR5omWlAoU17rAZgLd5dsTf2S8CZdpPzTXwRfmn3delLKdH0Tu3o0omzHP2zS4GBxxTw%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvQ3Y7VH4ccR5omWlAoU17rAZgLd5dsTf2S8CZdpPzTXwRfmn3delLKdH0Tu3o0omzHP2zS4GBxxTw/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section></section><section ><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvQ3Y7VH4ccR5omWlAoU17rAQCwkNibQQAqWPf5QpSBlclbyiaVEGjk7mk3D7EzcDrlmYPy4vafQQxlg%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvQ3Y7VH4ccR5omWlAoU17rAQCwkNibQQAqWPf5QpSBlclbyiaVEGjk7mk3D7EzcDrlmYPy4vafQQxlg/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section></section><section ><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvQ3Y7VH4ccR5omWlAoU17rA6r3qugKaj5sOq3OBUVpwaHdbZP3etRhRCnU7MF9EibNlsqU6UiauUm2A%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvQ3Y7VH4ccR5omWlAoU17rA6r3qugKaj5sOq3OBUVpwaHdbZP3etRhRCnU7MF9EibNlsqU6UiauUm2A/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section></section></section></section><section><p style="text-align:center"><span >左右</span><span >滑动查看更多<strong>红利回报</strong>对比</span></p></section></section></section><section style="text-align: justify"><span >应该没啥争议，同级别产品里福满佳</span><span >2.0无论是保证利益还是红利回报都是第一。</span></section><section style="text-align: justify"><span >保底部分，IRR最高能接近1.9%，接近预定利率极限了；</span></section><section style="text-align: justify"><span >加上红利后，持有10年IRR就能突破2.7%，各缴费期表现均优于同期产品。<br /></span></section><section style="text-align: justify"><strong><span >只是<span >与保底部分不同，</span>红利毕竟是浮动收益，和保险公司投资能力强关联。</span></strong><span ></span></section><section style="text-align: justify"><span >说白了还得看保险公司有没有这个能力给我们实现。</span></section><section style="text-align: justify"><span >举个例子，某长期经营不善、严重亏损</span><span >的吊车尾保</span><span >司，就算卖红利回报超10%的</span><span >分红险，谁愿意买？</span></section><section style="text-align: justify"><span >而现实只会更“残酷”，哪怕保险公司好端端的没亏损，可只要没背景、既往数据不亮眼，分红产品也很难卖。<br /></span></section><section style="text-align: justify"><span >恰如优秀不绝对，就是绝对不优秀。</span></section><section style="text-align: justify"><span >分红险，注定是“优等生”才能参与的赛道。</span></section><section style="text-align: justify"><span >中英人寿，正是其中之一。</span></section><section style="text-align: justify"><span style="color: rgb(33, 89, 103)"><strong>三、</strong></span></section><section style="text-align: justify"><span >中英人寿，200</span><span >3年开业，由央企<span style="color: rgb(33, 89, 103)">中粮集团</span>与英国<span style="color: rgb(33, 89, 103)">英杰华集团</span>合资组建（各持股50%）</span></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvQ3Y7VH4ccR5omWlAoU17rAVg0BUx91zziaRZiaJBRdXNkDA412VLsWA6NNh8QoxVZlDlRQr12GGKQA%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvQ3Y7VH4ccR5omWlAoU17rAVg0BUx91zziaRZiaJBRdXNkDA412VLsWA6NNh8QoxVZlDlRQr12GGKQA/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></p><section style="text-align: justify"><strong><span >中</span><span >粮集团</span></strong><span >，与新中国同龄的中央直属大型国有企业，世界500强，我国十大</span><span >“国之重器”品牌之一。</span></section><section style="text-align: justify"><span >中国第一瓶干红、干白葡萄酒，新中国第一家国有茶叶公司都诞生于中粮集团。</span></section><section style="text-align: justify"><span >集团内</span><span >有着15家上市公司，福临门、长城、蒙牛、中茶、酒鬼、悦活等均是旗下品牌。</span></section><section style="text-align: justify"><strong><span >英杰华集团</span></strong><span >，成立于1696年，<span >总部位于</span><span >英国伦敦</span></span><span >，拥有300</span><span >多年历史的国际保险巨头。</span></section><section style="text-align: justify"><span ></span></section><section style="text-align: justify"><span >服务过的</span><span >客户包括沃波尔（大不列颠第一任首相）、牛顿、雪莱、丘吉尔等，</span><span >赔付过</span><span >“泰坦尼克</span><span >号”</span><span >沉船事故。</span></section><section style="text-align: justify"><span >二者强</span><span >强联合，就背景来说，也没多少保司能比中英人寿更优质了</span><span >。</span></section><section style="text-align: justify"><span >当</span><span >然，不提这些，中英人寿本身也是一家稳健有实力的保险公司。<br /></span></section><section style="text-align: justify"><span ><span >百亿级别的</span>保费收入，千亿级</span><span >别的资产规模；<br /></span></section><section style="text-align: justify"><span ><span ><span >远超行业平均</span><span >水平的</span>偿付能力充足率</span><span >；</span></span></section><section style="text-align: justify"><span >连续32个季度拿下保险业最高风险综合评级A类评价，SARMRA评估得分高达83.08分。</span></section><p style="text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvQ3Y7VH4ccR5omWlAoU17rAUVNP4zicFV55Zt83LHDIwNmW6bVicVSZuev3jTicm40vBhNwZdZIFVkag%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvQ3Y7VH4ccR5omWlAoU17rAUVNP4zicFV55Zt83LHDIwNmW6bVicVSZuev3jTicm40vBhNwZdZIFVkag/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></p><section style="text-align: justify"><span >不仅如此，分红险业务核心挂钩的投资能力，中英人寿也不负众望，常年位居行业前列。</span><span ></span></section><section style="text-align: justify"><span ></span></section><p style="text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvQ3Y7VH4ccR5omWlAoU17rAr1zVLY4TTn97ALueC6PKUurUDiawYw7iaYaVc0wR55B4gMDDhMJRNpnQ%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvQ3Y7VH4ccR5omWlAoU17rAr1zVLY4TTn97ALueC6PKUurUDiawYw7iaYaVc0wR55B4gMDDhMJRNpnQ/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></p><section style="text-align: justify"><span >近5年综合投资收益率6.15%，财务投资收益率5.64%，跑赢市场。</span></section><section style="text-align: justify"><span >保险公司</span><span >有能力，赚得多，分红险业务就不用担心了。</span></section><section style="text-align: justify"><span >例如去年</span><span >监管对各家保险公司窗口指导限高，全行业分红实现率迎来滑铁卢，相当惨淡。</span></section><section style="text-align: justify"><span >但如果</span><span >保险公</span><span >司能自证具备优异的投资收益率，能支持长期稳定的分红，其实可以向监管提交材料申请特批突破限高。</span></section><section style="text-align: justify"><span ></span></section><section style="text-align: justify"><span >就结果来看，75</span><span >家寿险公司，只有<span >中英人寿等</span>寥寥几家突破了限高。</span></section><p style="text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvQ3Y7VH4ccR5omWlAoU17rAPpaB8MSjKj9QpkakllB15icsCDvN0GZ3IjTscyJqlE85ORW0MiaAGJfg%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvQ3Y7VH4ccR5omWlAoU17rAPpaB8MSjKj9QpkakllB15icsCDvN0GZ3IjTscyJqlE85ORW0MiaAGJfg/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></p><section style="text-align: justify"><span ><span ></span><span >在全行业去年平均红</span></span><span >利实现率只有30%-50%的大背景下，中英人寿去年的平均</span><span >分红实现率高达77%！</span></section><section style="text-align: justify"><span >老实说，这才是福满佳2.0的核心竞争力，普通分红险压根比不了。</span><span ></span></section><section style="text-align: justify"><span ><span ></span></span></section><section ><section ><section ><strong><span >最后：</span></strong><strong ><span ></span></strong></section><section ><span >综合来看，福满佳2.0整体表现可圈可点。</span></section><section ><span >不仅产品回报位列市面第一梯队（无论保证利益还是红利预期），保司背景、投资能力和过往数据更是表现良好。</span></section><section ><span >在分红险领域，已是事实上的标杆产品，值得重点关注。</span></section><section ><span >另外，<span >近期产品变动频繁，我们可能无法对每款产品都进行细致分析。</span></span></section><section ><span >如对某款产品感兴趣，可以随时联系我，帮您详细分析～</span></section><section ><span >储蓄保险良莠不齐，又涉及家庭重大资产规划，更要仔细甄别。<br /></span></section><section ><span >如需找我咨询，可以扫码联系，让我在最专业的领域帮您少走弯路。</span></section><section ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MzkwODcwMzI2Nw==&amp;mid=2247498620&amp;idx=1&amp;sn=63c7d116b63938f4fb79c716b5140f26&amp;chksm=c0c75830f7b0d126a777b281b7b12406619e8f751bdd16e11113f7ec49476aa42e9088b699b6&amp;scene=21#wechat_redirect" textvalue="为什么选择懂保爷？" linktype="text" imgurl="" imgdata="null" tab="innerlink" hasload="1" style="color: var(--weui-LINK)">为什么选择懂保爷？</a></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvSZbemR2IV8FZJtTcXw902cZCerF6VN8MY58WNsbgr8HHQ3xu9Gb8T1v9lre8noueQibORTEHVRnGg%2F640%3Fwx_fmt%3Dother%26wxfrom%3D5%26wx_lazy%3D1%26wx_co%3D1%26tp%3Dwebp" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvSZbemR2IV8FZJtTcXw902cZCerF6VN8MY58WNsbgr8HHQ3xu9Gb8T1v9lre8noueQibORTEHVRnGg/640?wx_fmt=other&wxfrom=5&wx_lazy=1&wx_co=1&tp=webp" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center"><span ><strong ><span >最后简单跟大家介绍一下自己：</span></strong></span></section><section style="text-align: center"><br /></section><section style="text-align: center"><span >懂保爷平台成立于2018年；</span></section><section style="text-align: center"><span >秉着向上向善的信仰，</span></section><section style="text-align: center"><span >站在客户角度，以客户为中心，测评优中选优</span></section><section style="text-align: center"><span >为客户提供风险转嫁、</span></section><section style="text-align: center"><span >储蓄理财和退休养老方面的优质保险内容与服务。</span></section><section style="text-align: center"><span >全网粉丝1000万+，</span></section><section style="text-align: center"><span >已累计为10万+家庭解决过保险难题。</span></section><section style="text-align: center"><span >以成就安心生活为使命；</span></section><section style="text-align: center"><span >致力于成为新时代中国人信赖首选的保险内容与服务平台。</span></section><section style="text-align: center"><br /></section><section style="text-align: center"><span style="color: rgb(178, 178, 178)">更多敬请关注：</span></section><section ></mp-common-profile></section></section></section><section style="text-align: justify"><br /></section><p ></mp-style-type></p>