<section style="text-align: center"><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447790313&idx=2&sn=55e0cf403a3327c58f7dfcc77ea888c8&chksm=b2b077ab85c7febda44a18349455223c46e61a6d8082f6f51e7dcbb9a81e93eba23d8e4d1845&scene=21#wechat_redirect" textvalue="你已选中了添加链接的内容" tab="innerlink"><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FO95eeDepqTMlDHeZj91zNpkh5V6LlAxyWZvs6Bzia66ezKtlNT9Z4u5OHedicUReCuF7kibwyzzb6BzkoGa5icS9lQ%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/O95eeDepqTMlDHeZj91zNpkh5V6LlAxyWZvs6Bzia66ezKtlNT9Z4u5OHedicUReCuF7kibwyzzb6BzkoGa5icS9lQ/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></span></a></section><section style="text-align: center"><span style="color: rgb(136, 136, 136)">点上方图片看看【封面图的故事】</span></section><p ><br /></p><section style="color: rgb(51, 51, 51); text-align: justify"><span >接多家保险公司通知，在月底</span><strong><span >6月30日</span></strong><span >：</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><em><span >弘康人寿</span></em><strong><em><span >金玉</span></em><em><span >满堂</span></em></strong><em><span >（弘运增利）下架15、20年缴费期；</span></em></section><section style="color: rgb(51, 51, 51); text-align: justify"><em><span >弘康人寿<strong>金多多</strong>（弘利多多）下架；</span></em></section><section style="color: rgb(51, 51, 51); text-align: justify"><em><span >光大永明人寿光明至尊下架；<br /></span></em></section><section style="color: rgb(51, 51, 51); text-align: justify"><em><span >信美相互传家有道下架；<br /></span></em></section><section style="color: rgb(51, 51, 51); text-align: justify"><em><span >招商仁和人寿和裕盛世下架...</span></em></section><section style="color: rgb(51, 51, 51); text-align: justify"><br /></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >加上此前下架的鑫享盈、守护神2.0等产品，</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >平均收益更高、封闭期更短，加/减保限制少的</span><strong><span >老款增额终身寿</span></strong><span >基本快没了。</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><br /></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >这会带来怎样的影响？</span></section><section ><br /></section><section ><br /></section><section ><span style="color: rgb(33, 89, 103); text-align: start">一、</span></section><section ><br /></section><section ><span >早前我就在 </span><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247493052&idx=1&sn=80c05cb3c674992854251298f5c07b6a&chksm=cfb6063cf8c18f2af1f0cc10fa3074419f8b11906b1ab89da99719c3450ca5ffeee35d584cdf&scene=21#wechat_redirect" textvalue="一个不好的信号" linktype="text" imgurl="" imgdata="null" tab="innerlink">一个不好的信号</a></span><span > 里透露过，</span></section><section ><span ><br /></span></section><section ><span ><span style="color: rgb(34, 34, 34); text-align: justify">随着年初银保监下发</span><em style="color: rgb(34, 34, 34); text-align: justify">《<span style="text-align: start">人身保险产品“负面清单”（2022版）</span>》</em><span style="color: rgb(34, 34, 34); text-align: justify">及</span><em style="color: rgb(34, 34, 34); text-align: justify"><em >《关于近期人身保险产品问题的通报》</em></em><span style="color: rgb(34, 34, 34); text-align: justify">等监管文件。</span></span></section><section ><span style="color: rgb(34, 34, 34); text-align: justify"><br /></span></section><section ><span ><span style="color: rgb(34, 34, 34); text-align: justify">年前就备案好的「老款增额寿」，</span><span style="color: rgb(34, 34, 34)">因为：</span></span></section><section ><span style="color: rgb(34, 34, 34)"><br /></span></section><section ><span style="color: rgb(33, 89, 103)"><span >减保比例不合</span><span >理；</span></span></section><section ><span style="text-align: justify; color: rgb(33, 89, 103)">加保设计存在变相突破定价利率风险；</span></section><section ><span style="text-align: justify; color: rgb(33, 89, 103)">现金价值计算不符合一般精算原理，存在长险短做风险等...</span></section><section ><span ><br /></span></section><section ><strong><span >以上种种原罪，都得下架。</span></strong></section><section ><span ><br /></span></section><section ><span >而今年上线的「新款增额寿」不出意料的“乖”很多，</span></section><section ><span ><br /></span></section><section ><span >减保有问题？<strong>限制20%</strong>；</span></section><section ><span >加保有风险？<strong>那就不给加了</strong>；</span></section><section ><span >有长险短做风险？<strong>把封闭期弄长点，再把收益增速降下来</strong>。</span></section><section ><span ><br /></span></section><section ><span >对此，只能说好在监管并没有直接清退全部老款增额寿。</span></section><section ><span ><br /></span></section><section ><span >虽然上半年陆续在下架，实际上仍有一小部分老款产品还在。</span></section><section ><span ><br /></span></section><section ><em><span >比较出名的像弘康双子星（金玉满堂/金多多）、国联益利多2.0、和泰鑫享盈等。</span></em><span ></span></section><section ><span ><br /></span></section><section ><span >当然，故事的发展咱们也都知道了，老款再多，也架不住“<strong>只出不进</strong>”啊。</span></section><section ><span ><br /></span></section><section ><span >一点点放血式下架后，市面上老款增额寿已经寥寥无几了。<br /></span></section><section ><span ><br /></span></section><section ><span >尤其在本月底6月30日，又一批老产品下架后，属于老款增额寿的戏份，就要杀青了。</span></section><section ><span ><br /></span></section><p ><span ><br /></span></p><p ><span style="color: rgb(33, 89, 103); text-align: start">二、</span></p><p ><span ><br /></span></p><p ><span >当然，影响不仅限于前面说的，限制减保、取消加保、延长封闭期，</span></p><p ><span ><br /></span></p><p ><span >这些只是产品功能层面的影响，或多或少都能避免<em>（限制减保我拆单，不给加保就不加，封闭期长就前期不用）</em>。</span></p><p ><br /></p><p ><span >实际影响最大的点是：<strong>收益低了</strong>。<br /></span></p><p ><span ><br /></span></p><p ><span >例如即将彻底下架的弘康金多多，不管趸交、3/5/10/15/20年交，</span></p><p ><span ><br /></span></p><p ><span >收益在当前所有增额寿中，都能排上<strong>前三甲。</strong></span></p><p ><span ><em><br /></em></span></p><p ><span >15年交后期收益更是第一。</span></p><p ><span ><br /></span></p><p ><span >而15年交前期第一的正是金玉满堂，这次也要一并下架了。</span></p><p ><span ><br /></span></p><p ><span >相当于，<strong>打算15年交的朋友，收益最高的产品，都要在6月30日没了</strong>。</span></p><p ><span ><br /></span></p><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTPHmhibwbfib4V54Z46245xjqYYhQficIOaP8qtoa3KBjZ3IKtdwbQse9aPdADicwD1LZX5Ncdu56XRpQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTPHmhibwbfib4V54Z46245xjqYYhQficIOaP8qtoa3KBjZ3IKtdwbQse9aPdADicwD1LZX5Ncdu56XRpQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><p ><span ><br /></span></p><p ><span >15年交收益详情，可以参见：</span><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247494043&idx=1&sn=7be7b53bb534839a70ce36b86e04f622&chksm=cfb60a1bf8c1830dc65cf30a6823633ba2c4dbbd0a74804d2f6bd7e0b31819236d015f7d6451&scene=21#wechat_redirect" textvalue="打算「15年交」，哪款增额终身寿最值得买？" linktype="text" imgurl="" imgdata="null" tab="innerlink">打算「15年交」，哪款增额终身寿最值得买？</a></span><span ><br /></span></p><p ><span ><br /></span></p><p ><em><span >*注：文中和泰人寿鑫享盈已于前段时</span></em><em><span >间下架。</span></em><span ></span></p><p ><span ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></span></p><p ><strong><span >如果说原本高收益的老产品就是稀有物种，那现在已经“见底”了</span></strong><span ><span style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(51, 51, 51); text-align: justify">。</span></span></span><strong><span ><span style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(51, 51, 51); text-align: justify"></span></span></span></strong></p><p ><span ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></span></p><p ><span ><span style="color: rgb(51, 51, 51); text-align: justify">另外，除了明面上的收益影响，还有个隐性</span><span style="color: rgb(51, 51, 51); text-align: justify">影</span><span style="color: rgb(51, 51, 51); text-align: justify">响是<strong>产品选择</strong>。</span></span></p><p ><span ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></span></p><p ><span ><span style="color: rgb(51, 51, 51); text-align: justify">诸如封闭期极短的金多多；极少见支持30年交的<span style="color: rgb(51, 51, 51); text-align: justify">传家有道</span>；支持光大养老社区的<span style="color: rgb(51, 51, 51); text-align: justify">光</span><span style="color: rgb(51, 51, 51); text-align: justify">明至尊</span>等。</span></span></p><p ><span ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></span></p><p ><span ><span style="color: rgb(51, 51, 51); text-align: justify">这些没了，无形中就会让有特定需求的人群选择变少，甚至彻底没了。</span></span></p><p ><span ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></span></p><p ><strong><span ><span style="color: rgb(51, 51, 51); text-align: justify">因此，</span></span><span >本</span><span >次月底</span><span >大</span><span >停售，已事实</span><span >成为</span><span >一道分水岭</span><span >。</span></strong><span ></span></p><p ><span ><br /></span></p><p ><span ><span style="color: rgb(51, 51, 51); text-align: justify">或者可以说是“秋天”和“冬天”的分界线。<br /></span></span></p><p ><br /></p><p ><span style="color: rgb(51, 51, 51); text-align: justify">凛冬将至，不再是主流的老款增额寿，一如秋后的蚂蚱，不仅数量急剧下降，很大可能会</span><span style="color: rgb(51, 51, 51); text-align: justify">随时消失，来不及反应的那种</span><span style="color: rgb(51, 51, 51); text-align: justify">。</span></p><p ><span ><span style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></span></span></p><p ><span ><span style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(51, 51, 51); text-align: justify">打算配置增额寿的朋友，建议尽早下手吧。</span></span></span></p><p ><em><span ><br /></span></em></p><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTPHmhibwbfib4V54Z46245xjqsBSw0XLx0PJTT83k3uYic49AwMA3sZJEsd1MiaFbsgqlYAYxM4jgXXBw%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTPHmhibwbfib4V54Z46245xjqsBSw0XLx0PJTT83k3uYic49AwMA3sZJEsd1MiaFbsgqlYAYxM4jgXXBw/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><p style="text-align: center"><span style="color: rgb(136, 136, 136)">最新增额终身寿挑选建议</span><br /></p><section style="color: rgb(34, 34, 34); text-align: justify"><br /></section><section style="color: rgb(34, 34, 34); text-align: justify"><strong ><span style="color: rgba(0, 0, 0, 0.9); text-align: start"><em style="color: rgb(51, 51, 51); text-align: justify"><span >“狼可真来了”。</span></em></span></strong></section><section style="color: rgb(34, 34, 34); text-align: justify"><strong ><span style="color: rgba(0, 0, 0, 0.9); text-align: start"><br /></span></strong></section><section style="color: rgb(34, 34, 34); text-align: justify"><strong ><span style="color: rgba(0, 0, 0, 0.9); text-align: start">产品购买链接，可</span></strong><strong style="color: rgb(0, 0, 0)"><span >长按扫描下图二维码进入</span></strong><strong ><span style="color: rgb(33, 89, 103)">【懂保爷】公众号</span></strong><strong style="color: rgb(0, 0, 0)"><span >，关注后点击正下方“免费咨询”找我团队专业规划老师获取。</span></strong></section><section style="color: rgb(34, 34, 34); text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FO95eeDepqTMPo1WFgwic4R9CzHFtIUiczrkNRONibBIRfJGTrvFFVv9TLx4VFbhuaMT0QD4kklibcE2tribo0a0dDAw%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/O95eeDepqTMPo1WFgwic4R9CzHFtIUiczrkNRONibBIRfJGTrvFFVv9TLx4VFbhuaMT0QD4kklibcE2tribo0a0dDAw/640?wx_fmt=gif" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgb(34, 34, 34); text-align: justify"><br /></section><section style="color: rgb(34, 34, 34); text-align: justify"><span style="color: rgb(0, 0, 0)">相关阅读：</span></section><section ><br /></section><section ><span ><strong>增额寿相关：</strong><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247493052&idx=1&sn=80c05cb3c674992854251298f5c07b6a&chksm=cfb6063cf8c18f2af1f0cc10fa3074419f8b11906b1ab89da99719c3450ca5ffeee35d584cdf&scene=21#wechat_redirect" textvalue="一个不好的信号" linktype="text" imgurl="" imgdata="null" tab="innerlink">一个不好的信号</a></span><br /></section><section ><span ><strong ><span >增额寿科普：</span></strong><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247493287&idx=1&sn=c67de5048364c763c64d745c8554dcf0&chksm=cfb60527f8c18c3174405593f6d532cb8f83f81e138e62eb17fdfc577bfbda31b5d6fac3c7be&scene=21#wechat_redirect" textvalue="关于增额终身寿，我把这些实话一次全告诉你" linktype="text" imgurl="" imgdata="null" tab="innerlink">关于增额终身寿，我把这些实话一次全告诉你</a></span></span></section><section ><strong><span >增额寿排行榜：</span></strong><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247494160&idx=1&sn=7ba4e54a60edd07d183cd5e88207a03e&chksm=cfb60990f8c18086aa4f0e62477763453b70fa3614c8cba4424d4e3440e9394f98341e128513&scene=21#wechat_redirect" textvalue="收益排行榜，所有线上线下增额终身寿大PK" linktype="text" imgurl="" imgdata="null" tab="innerlink">收益排行榜，所有线上线下增额终身寿大PK</a></span></section><section ><span ><strong>减保政策：</strong></span><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247492910&idx=1&sn=a5cdd63fa460660d59517e0435f912e3&chksm=cfb606aef8c18fb895672db8002a9fe0e9f788eda2edf38d72df34b9a5f13da73f926f6d6796&scene=21#wechat_redirect" textvalue="最适合普通人的理财，2022年开始陆续收紧了！" linktype="text" imgurl="" imgdata="null" tab="innerlink" ><span >最适合普通人的理财，2022年开始陆续收紧了！</span></a></section><section ><br /></section><section style="text-align: center"><span ><span >— </span><strong >END </strong><span >—</span></span></section><section ></mpprofile></section><section style="text-align: left"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FAa1Vn4VNXulDSG3kLWEFl66JYfFHuibDsZwPP3g5romOwOBrEvLdFjc8VUrEoXpQflzzTumnt8dW6vKFReAyKnA%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/Aa1Vn4VNXulDSG3kLWEFl66JYfFHuibDsZwPP3g5romOwOBrEvLdFjc8VUrEoXpQflzzTumnt8dW6vKFReAyKnA/640?wx_fmt=gif" alt="懂保爷测评配图" loading="lazy" /><span > <span style="color: rgb(136, 136, 136)">点击阅读原文，</span></span><span style="color: rgb(136, 136, 136)">查看</span><span style="color: rgb(33, 89, 103)">懂保爷严选【理财、养老、保障】产品汇总</span></section><section style="text-align: left"><section ><br /></section><section style="text-align: right"><section ><p style="text-align: center; color: rgb(63, 62, 63)"><span >如有帮助，帮忙点个<span style="color: rgb(33, 89, 103)"><strong >在看</strong></span></span><span style="color: rgb(0, 0, 0)">吧</span><span >，谢谢！</span></p></section></section></section>
