30岁小姐姐30万这样存，轻松攒够100万!

<p ><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" /></p><section ><span >国家金融监督管理总局正式下发<strong>《关于健全人身保险产品定价机制的通知》</strong>，官宣保险产品预定利率下调的决定。</span></section><section ><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvR2YySc3JyfUfnGPej312EwFCyffEpQ6VqyvV2xkH9V4oOjJft9XHvQYwp4vJ0WxzIqsG4UkciaKjw%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvR2YySc3JyfUfnGPej312EwFCyffEpQ6VqyvV2xkH9V4oOjJft9XHvQYwp4vJ0WxzIqsG4UkciaKjw/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></span></section><section ><span >有的产品已经收到监管意见，陆续开始停售。</span></section><section ><span >也就是说，现在就是投保3%优质产品的<strong>最后窗口期</strong>。</span></section><section ><span >赵女士找到我们，</span></section><section ><span >希望把这最后的机会给抓住。</span></section><section ><span ></span></section><section ><span ></span></section><section ><span >咱们之前的文章中有分析这次保险利率调整的影响，感兴趣的朋友可以点击查看</span><span >【<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MzkwODcwMzI2Nw==&amp;mid=2247499590&amp;idx=1&amp;sn=684a4507285c7af689670c8a7314db3e&amp;chksm=c0c75c0af7b0d51c1e5db99672eda10f681239237f2d23238a347b8de5643dd04c39c7ce1776&amp;scene=21#wechat_redirect" textvalue="3.0%退市，官宣了！" linktype="text" imgurl="" imgdata="null" tab="innerlink">3.0%退市，官宣了！</a>👈戳这里】</span><span >。</span></section><section ><span style="color: rgb(33, 89, 103)"><strong><span style="color: rgb(33, 89, 103)">一、需求分析</span></strong></span></section><section ><span >31岁的赵女士，从事电子信息产业方向的工作，手头上攒了30万。</span></section><section ><span >她想做个大概40年左右的资产增值。</span></section><section ><span >从直播间里了解到增额寿可以锁定3%的终身复利，</span><span >就留下联系方式</span><span >。</span></section><section ><span >规划老师邱宏伟联系上客户，了解了需求后，推荐<strong>分红型增额寿</strong>作为首选。</span></section><section ><span >因为<strong>短期</strong>来看固收产品和分红产品<strong>收益差距不大,</strong></span></section><section ><span >但是40年左右的<strong>长期收益对比下来，分红型增额寿更占优势。</strong></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvR2YySc3JyfUfnGPej312EwsHCl6GXsarZyibXDOLarLUdnfIIIJ4DYmpImoGoopibodoFbKTZOk5XA%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvR2YySc3JyfUfnGPej312EwsHCl6GXsarZyibXDOLarLUdnfIIIJ4DYmpImoGoopibodoFbKTZOk5XA/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center"><span style="color: rgb(136, 136, 136)">分红型增额寿vs固收型增额寿</span></section><section ><span ></span></section><section ><span >之前我们做过测算，分红型增额寿和固收型增额寿的后期收益差距是非常大的。</span></section><section ><span >双双持有20年，分红型比固收型多出7万，<strong>持有40年，多出33万！</strong></span></section><section ><span >赵女士对分红型增额寿非常感兴趣，不过又担心分红部分收益不太确定，</span></section><section ><span >所以她打算买10万的分红型增额寿，再配置20万的固收增额寿。</span></section><section ><span >这样一来，既能去博一博高收益，同时也有一部分能稳稳的保证3%的利率。</span></section><section ><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_jpg%2FttibxYrpmzvSwlzZ4rxaMKRGegZKqYO5qDM1W8sPmI8kPhsQhpxWFAQucsndiaGdHASLFJ7VI8BKy6brANoChTAQ%2F640%3Fwx_fmt%3Djpeg%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_jpg/ttibxYrpmzvSwlzZ4rxaMKRGegZKqYO5qDM1W8sPmI8kPhsQhpxWFAQucsndiaGdHASLFJ7VI8BKy6brANoChTAQ/640?wx_fmt=jpeg&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></span></section><section style="text-align: center"><span style="color: rgb(136, 136, 136)">聊天记录节选</span></section><section ><span style="color: rgb(33, 89, 103)"><strong>二、产品筛选</strong></span><span ></span></section><section ><span >邱宏伟老师先对比了三款<strong>分红型增额寿</strong>的收益：</span></section><section ><span >分别是<strong>中英福满佳</strong>、<strong>中邮悦享盈佳</strong>以及<strong>陆家嘴国泰鸿利鑫享</strong>。</span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvR2YySc3JyfUfnGPej312EwVX1SzuL2mfJHsw3xctiaNgeJfQHRnSRIibX1kf8XDyWP1RCwNIWRLDpw%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvR2YySc3JyfUfnGPej312EwVX1SzuL2mfJHsw3xctiaNgeJfQHRnSRIibX1kf8XDyWP1RCwNIWRLDpw/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center"><span style="color: rgb(136, 136, 136)">分红型增额产品收益对比图</span><br /></section><section ><span ></span></section><section ><strong><span >从收益上看，</span></strong><span ></span></section><section ><strong><span >福满佳＞悦享盈佳＞鸿利鑫享。</span></strong><span ></span></section><section ><span >但是考虑到赵女士只是想做40年左右的规划，</span><span >期间可能还会有用钱减保的情况，邱老师更推荐</span><strong >悦享盈佳</strong><span >。</span></section><section ><span >它的<strong>收益</strong>和福满佳<strong>相差并不多</strong>，</span></section><section ><span >还有就是它<strong>减保更方便</strong>，只需要在线上官微申请就行。</span></section><section ><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_jpg%2FttibxYrpmzvSwlzZ4rxaMKRGegZKqYO5qibMlBbcvAI455DibrfHsyHAh2eIsmlZvNeHCyzaBpu1jHK3MZZDPSfVQ%2F640%3Fwx_fmt%3Djpeg%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_jpg/ttibxYrpmzvSwlzZ4rxaMKRGegZKqYO5qibMlBbcvAI455DibrfHsyHAh2eIsmlZvNeHCyzaBpu1jHK3MZZDPSfVQ/640?wx_fmt=jpeg&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></span></section><section style="text-align: center"><span style="color: rgb(136, 136, 136)">规划老师建议选择悦享盈佳</span></section><section ><span >确定好分红产品后，又做了三款<strong>固收增额寿</strong>的收益对比：</span></section><section ><span >分别是<strong>富德生命传世金尊A款</strong>、<strong>中邮悦享传家</strong>、<strong>海保鑫玺越</strong>。</span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvR2YySc3JyfUfnGPej312EwdA3VnKA7YMAs5xH7xVk5L2Pd23x03gMhCpAs2ayWRNyrHIr50IR1cg%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvR2YySc3JyfUfnGPej312EwdA3VnKA7YMAs5xH7xVk5L2Pd23x03gMhCpAs2ayWRNyrHIr50IR1cg/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center"><span style="color: rgb(136, 136, 136); text-align: center">固收</span><span style="color: rgb(136, 136, 136); text-align: center">型增额产品收益对比图</span></section><section ><span ></span></section><section ><strong><span >从收益上看，</span></strong><span ></span></section><section ><strong><span >传世金尊A款＞鑫玺越＞悦享传家。</span></strong><span ></span></section><section ><span >这三款对比下来，虽然悦享传家收益排在第三，</span></section><section ><span >但是同样考虑到<strong>减保方式</strong>上悦享传家比传世金尊<strong>更便捷</strong>；</span></section><section ><strong><span >减保条件</span></strong><span >也是目前市场<strong>最宽松</strong>的，每年拿现金价值的20%；</span></section><section ><span >公司中邮还是<strong>央企背景</strong>。</span></section><section ><span >所以最终也与赵女士达成一致，固收产品中选择了<strong>悦享传家</strong>。</span></section><section ><span style="color: rgb(33, 89, 103)"><strong>三、方案定制</strong></span><span ></span></section><section ><span >在邱宏伟老师的指导下，赵女士成功投保。</span></section><section ><span ><strong ><span >分红型增额寿悦享盈佳：年交3.5万，交3年；</span></strong></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvSwlzZ4rxaMKRGegZKqYO5q7wwEyV0ib1LX8QKU9bZ0GicJHOcFfghkFsicajoHHfcIzu4VTDcVvkwPw%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvSwlzZ4rxaMKRGegZKqYO5q7wwEyV0ib1LX8QKU9bZ0GicJHOcFfghkFsicajoHHfcIzu4VTDcVvkwPw/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center"><span style="color: rgb(136, 136, 136)">悦享盈佳收益测算</span></section><section ><strong><span >固收型增额寿悦享传家：</span><span >趸</span><span >交20万。</span></strong><span ></span></section><section ><span ></span></section><section style="text-align: justify"><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_jpg%2FttibxYrpmzvSwlzZ4rxaMKRGegZKqYO5qIlsbu8g5ed6ibbUXFHUZeX5qeucI3ibia0qb58icxHR5NEicAjPnlye58jg%2F640%3Fwx_fmt%3Djpeg%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_jpg/ttibxYrpmzvSwlzZ4rxaMKRGegZKqYO5qIlsbu8g5ed6ibbUXFHUZeX5qeucI3ibia0qb58icxHR5NEicAjPnlye58jg/640?wx_fmt=jpeg&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></span></section><section style="text-align: center"><span style="color: rgb(136, 136, 136)">悦享传家收益测算</span></section><section ><span >40个保单年度左右，赵女士的30万就能增值为100万+了。</span><br /></section><section style="text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_jpg%2FttibxYrpmzvR2YySc3JyfUfnGPej312EwObiaccJVC85dnH1TOk9UkTmQHatLyvjcGtTlKuRMpQibWVVaMKP7jzBw%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_jpg/ttibxYrpmzvR2YySc3JyfUfnGPej312EwObiaccJVC85dnH1TOk9UkTmQHatLyvjcGtTlKuRMpQibWVVaMKP7jzBw/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center"><span style="color: rgb(136, 136, 136)">赵女士对懂保爷服务的认可</span></section><section style="text-align: justify"><span >赵女士在懂保爷连投两单，对我们的服务十分的信任和满意。</span><br /></section><section ><span >期待未来能与我们有更多的合作。</span></section><section ><span ></span><span ><em style="color: rgb(34, 34, 34)"><span style="color: rgb(33, 89, 103)"><strong ><span >有疑</span></strong></span></em><em style="color: rgb(34, 34, 34)"><span style="color: rgb(33, 89, 103)"><strong ><span >问，可以扫描下图二维码找我团队专业规划老师。</span></strong></span></em></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FO95eeDepqTOpB6SvNluyC7ibynwMqmmaeYaEESkpsJpZYybXqtHXeYNahSKOQ9dUFW3Eq7ibxWIjmRarPG9x0XKg%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/O95eeDepqTOpB6SvNluyC7ibynwMqmmaeYaEESkpsJpZYybXqtHXeYNahSKOQ9dUFW3Eq7ibxWIjmRarPG9x0XKg/640?wx_fmt=gif" alt="懂保爷测评配图" loading="lazy" /></section><section></mp-common-profile></section><section ><span ><em style="color: rgb(34, 34, 34)"><span style="color: rgb(33, 89, 103)"><strong ><span ></span></strong></span></em></span></section><section ><section ><br /></section></section><section ><br /></section><p ></mp-style-type></p>