<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%2FO95eeDepqTNd0PYgn8rV4TQVjQxG0rticRbhsrUNYBlby29Ypf5UEZWN1XGmXSGY7DJZcNqvfkSE5XicBQPZqCwg%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/O95eeDepqTNd0PYgn8rV4TQVjQxG0rticRbhsrUNYBlby29Ypf5UEZWN1XGmXSGY7DJZcNqvfkSE5XicBQPZqCwg/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 >说到增额终身寿的缺点，“<strong>封闭期</strong></span><span >”必定是谈及最多的那个。</span><span ></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 >毕竟封闭期内，万一要动用增额寿，不仅没了收益，还会亏损。</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ></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 >这种情况下，封闭期是否越短越好？</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 >封闭期，实际就是</span><strong><span >回本时间</span></strong><span >。</span></section><section ><br /></section><section ><span >增额终身寿并不像余额宝，我们投钱进去，账户金额就按照3.5%复利增长，中途想取就取。</span></section><section ><span ><br /></span></section><p style="color: rgb(34, 34, 34); text-align: justify"><span >举个例子：<br /></span></p><p style="color: rgb(34, 34, 34); text-align: justify"><br /></p><section style="color: rgb(34, 34, 34); text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTPSjHq8iaIpnrhYrWjgKLYX2uX8c9Hjg2E9HIzWWcIe4fib3xX6fRPRGxdpwaz7WB9zwD9U8wOE5SpA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTPSjHq8iaIpnrhYrWjgKLYX2uX8c9Hjg2E9HIzWWcIe4fib3xX6fRPRGxdpwaz7WB9zwD9U8wOE5SpA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><p style="color: rgb(34, 34, 34); text-align: justify"><br /></p><p style="color: rgb(34, 34, 34); text-align: justify"><span >我们都知道，增额寿的<strong>现金价值</strong>就是能动用的账户金额。</span></p><p style="color: rgb(34, 34, 34); text-align: justify"><span ><br /></span></p><p style="color: rgb(34, 34, 34); text-align: justify"><span >如上图，</span><span >是某款增额寿的收益演示图，</span></p><p style="color: rgb(34, 34, 34); text-align: justify"><span ><br /></span></p><p style="color: rgb(34, 34, 34); text-align: justify"><span >可以看到，一次交清300000元，当年末现金价值为243660元。</span></p><p style="color: rgb(34, 34, 34); text-align: justify"><span ><br /></span></p><p style="color: rgb(34, 34, 34); text-align: justify"><span >直到第5年，</span><span >账户金额（现金价值）才达到</span><strong >301800元</strong><span >，超过本金30万。</span></p><p style="color: rgb(34, 34, 34); text-align: justify"><span ><br /></span></p><p style="color: rgb(34, 34, 34); text-align: justify"><span >那么，这款增额寿的封闭期，就可以说是5年。<br /></span></p><p style="color: rgb(34, 34, 34); text-align: justify"><span ><br /></span></p><p style="color: rgb(34, 34, 34); text-align: justify"><span >要是在封闭期内用钱，</span><span >如第3年要用钱，已经投入30万本金的我们，</span><strong >最多只能取回27.1万</strong><span >。</span></p><p style="color: rgb(34, 34, 34); text-align: justify"><br /></p><p style="color: rgb(34, 34, 34); text-align: justify"><span >无疑就亏本了。<br /></span></p><p style="color: rgb(34, 34, 34); text-align: justify"><br /></p><p style="color: rgb(34, 34, 34); text-align: justify"><span >若是在第10年用钱，</span><span >我们</span><strong >最多就能取回39.4万</strong><span >。</span></p><p style="color: rgb(34, 34, 34); text-align: justify"><span ><br /></span></p><p style="color: rgb(34, 34, 34); text-align: justify"><span >相比本金，就是赚了。</span></p><p style="color: rgb(34, 34, 34); text-align: justify"><br /></p><p style="color: rgb(34, 34, 34); text-align: justify"><span >当然，每款增额寿都存在封闭期，只是或长或短的问题。</span></p><p style="color: rgb(34, 34, 34); text-align: justify"><br /></p><p style="color: rgb(34, 34, 34); text-align: justify"><span ><span style="color: rgb(34, 34, 34); text-align: justify">我一直以来的建议就是：</span></span></p><p style="color: rgb(34, 34, 34); text-align: justify"><span ><strong style="color: rgb(34, 34, 34); text-align: justify"><br /></strong></span></p><p style="color: rgb(34, 34, 34); text-align: justify"><span ><strong style="color: rgb(34, 34, 34); text-align: justify">增额寿是长期投资，想买就得确保封闭期内不用这笔钱</strong><span style="color: rgb(34, 34, 34); text-align: justify">，做不到买增额寿就会亏，还不如做个定存啥的。</span></span></p><p style="color: rgb(34, 34, 34); text-align: justify"><br /></p><section ><span style="color: rgb(51, 51, 51); text-align: start"></span></section><section ><span ></span></section><section ><span >这点在</span><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 >里也说过：<br /></span></section><section ><span ><br /></span></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTPSjHq8iaIpnrhYrWjgKLYX2hSicvutAG98aNc0a91NicRXowBPuJ3RY9lpib5RQPss1INaiaP8dabptwg%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTPSjHq8iaIpnrhYrWjgKLYX2hSicvutAG98aNc0a91NicRXowBPuJ3RY9lpib5RQPss1INaiaP8dabptwg/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section ><span ></span></section><section ><span ><br /></span></section><section ><span >那这样看，岂不是增额终身寿的封闭期一定要越短越好？</span></section><section ><span ><br /></span></section><section ><strong><span >不一定。</span></strong><span ><br /></span></section><section ><span ><br /></span></section><section ><span >注意看上图挑选标准-封闭期的前置条件：</span><strong >不牺牲收益的前提下</strong><span >，封闭期越短越好。</span></section><section ><span ><br /></span></section><section ><span >收益和封闭期，同等重要。</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 >凭空说，有点抽象，继续看实例。</span></p><p ><span ><br /></span></p><p ><span >以趸交（一次交清）30万为例，来看下主流增额寿们的封闭期：</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%2FO95eeDepqTPSjHq8iaIpnrhYrWjgKLYX2Nfk2xFLrOxxqM3LXj7x11ib0icDZ2Gba6r9icYxWsbWc7qQichsCyWKhpw%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTPSjHq8iaIpnrhYrWjgKLYX2Nfk2xFLrOxxqM3LXj7x11ib0icDZ2Gba6r9icYxWsbWc7qQichsCyWKhpw/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /><span ></span></p><p ><span ><br /></span></p><p ><span >图中</span><span >黄框</span><span >就是各家增额寿封闭期结束的时间，收益top3排名为：</span><span style="color: rgb(255, 0, 0)">红色</span><span >＞</span><span style="color: rgb(255, 104, 39)">橙色</span><span >＞</span><span style="color: rgb(0, 128, 255)">蓝色</span><span >。</span></p><p ><span ><br /></span></p><p ><span >不难看出：</span></p><p ><span ><br /></span></p><p ><span >趸交情况下，封闭期<strong>最短的仅2年</strong>，<strong>最长的</strong><strong>高达10年</strong>。<br /></span></p><p ><span ><br /></span></p><p ><span >其他产品封闭期都在2-10年内，</span><span >3年/</span><span >4年/5年/</span><span >6年/7年/8年/</span><span >9年都有。</span></p><p ><span ><br /></span></p><p ><span >可同样明显的是，封闭期短不代表收益给力。</span></p><p ><span ><br /></span></p><p ><span ></span><span >为此，我们可以对比下，收益最高的产品和封闭期最短的产品。</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%2FO95eeDepqTPSjHq8iaIpnrhYrWjgKLYX23uvNBroWl0VxWNpanSQbF7NQTv6bzY4ic9jk9WLxlAOd9bUaX8xkPrg%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTPSjHq8iaIpnrhYrWjgKLYX23uvNBroWl0VxWNpanSQbF7NQTv6bzY4ic9jk9WLxlAOd9bUaX8xkPrg/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /><span ></span></p><p ><br /></p><p ><span >数据不骗人，弘康弘xx利第7年回本，可第10年实际收益率IRR就有<strong>3.44%</strong>，相当于银行存款单利<strong>4%</strong>！</span></p><p ><span ><br /></span></p><p ><span >而第2年就回本的中意永xx爱尊享版，同期IRR仅<strong>2.81%</strong>，折合银行存款单利<strong>3.19%</strong>。</span></p><p ><span ><br /></span></p><p ><span >相当于同样本金，持有10年，<strong>少了2.5</strong></span><span ><strong>万的“利息”</strong></span><span >。</span></p><p ><span ><br /></span></p><p ><span >另一款第3年回本的产品，长生优x加还不如永续我爱。<br /></span></p><p ><span ><br /></span></p><p ><span >现在想必能理解为啥说：<strong style="color: rgb(51, 51, 51); text-align: justify">不牺牲收益的前提下</strong><span style="color: rgb(51, 51, 51); text-align: justify">，封闭期越短越好。</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">对增额寿来说，收益优先级远大于其他挑选标准。<br /></span></span></p><p ><span ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></span></p><p ><span ><strong style="color: rgb(51, 51, 51); text-align: justify">很多时候，封闭期的实际意义不大。</strong></span><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></p><p ><br /></p><p ><span style="color: rgb(51, 51, 51); text-align: justify">例如A款增额寿封闭期3年，B款封闭期7年，如果第10年动用账户的钱，那封闭期就失去了意义。<br /></span></p><p ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></p><p ><span style="color: rgb(51, 51, 51); text-align: justify">第10年谁给的钱多，谁才是王道。<br /></span></p><p ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></p><p ><span style="color: rgb(51, 51, 51); text-align: justify">当然，要是这俩第10年给的钱一样，那肯定A款增额寿更好。<br /></span></p><p ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></p><p ><span style="color: rgb(51, 51, 51); text-align: justify">因为它给了我们一个机会，<strong>前期万一急用钱不亏本的机会</strong>。<br /></span></p><p ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></p><p ><span style="color: rgb(51, 51, 51); text-align: justify">大家可以掂量下，为了这个机会，可以接受多少收益上的损失。</span></p><p ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></p><p ><span style="color: rgb(51, 51, 51); text-align: justify">以及自己是否真的需要这个机会。<br /></span></p><p ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></p><p ><span style="color: rgb(51, 51, 51); text-align: justify">最后，根据过往经验，<strong>绝大多数封闭期短的增额寿，前期收益和收益增速都不高</strong>。<br /></span></p><p ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></p><p ><span style="color: rgb(51, 51, 51); text-align: justify">要是只抱着封闭期短、用作短期理财的目的去买增额终身寿，</span></p><p ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></p><p ><span style="color: rgb(51, 51, 51); text-align: justify">那结果可能还不如去买定期年金，甚至存银行定期。</span></p><p ><span ><br /></span></p><p ><span >最重要的，还是要想</span><span >清</span><span >楚自己啥</span><span >时</span><span >候用钱，有条件更要留足备用金。</span><span ></span></p><p style="color: rgb(34, 34, 34)"><span style="color: rgb(34, 34, 34); text-align: left"><br /></span></p><section style="color: rgb(34, 34, 34); text-align: justify"><strong ><span style="color: rgba(0, 0, 0, 0.9); text-align: start">有其他疑问，</span></strong><strong ><span style="color: rgba(0, 0, 0, 0.9); text-align: start">可以</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”菜单找我团队专业规划老师帮忙解决。</span></strong></section><section style="color: rgb(34, 34, 34); text-align: justify"><strong style="color: rgb(0, 0, 0)"><span ></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 ><span ></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 ><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247494291&idx=1&sn=dc4bb91707a6bdf36a0dd0e31b8ce4d5&chksm=cfb60913f8c18005e209c3b437b35a0da946e34d2d5d64d4efe17e145b84fc2d502bc14f065f&scene=21#wechat_redirect" textvalue="复利3.8%的增额终身寿们，有一个大坑" linktype="text" imgurl="" imgdata="null" tab="innerlink">复利3.8%的增额终身寿们，有一个大坑</a><br /></span></section><section ><span ></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>
