<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" hasload="1" wah-hotarea="click" ><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FO95eeDepqTPehF4icAZsLq92e6ywzzTQWn6Uven4cvXQlKsXLHXrzwIfqFL3EHVDosmoibBicnl0pIMnzRxgR63ibA%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/O95eeDepqTPehF4icAZsLq92e6ywzzTQWn6Uven4cvXQlKsXLHXrzwIfqFL3EHVDosmoibBicnl0pIMnzRxgR63ibA/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></span></a></section><p 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></p><section ><strong style="color: rgb(33, 89, 103)"></strong></section><section ><br /></section><section ><span >从去年开始，提及养老年金，有2款产品一定绕不过去。</span></section><section ><span ><br /></span></section><section ><span >那就是<strong>光明慧选</strong>和<strong>百岁人生</strong>。</span></section><section ><span ><br /></span></section><section ><span >即便在年初转线下后，这俩凭借着过硬实力也能牢牢占据养老金的第一梯队。</span></section><section ><span ><br /></span></section><section ><span >直至今天，“后浪”<strong>养多多2号</strong>来了。</span></section><section ><span ></span></section><section ><strong><span ></span></strong></section><section ><strong><span ><br /></span></strong></section><section ><br /></section><section ><span ><strong ><span style="color: rgb(33, 89, 103)">一、</span></strong></span></section><section ><br /></section><section ><span >养多多2号的承保公司是大家保险，</span></section><section ><span ><br /></span></section><section ><span >由当年的安邦保险重组而来，</span><span >控股股东</span><span >是</span><strong><span >中国</span><span >保</span><span >险</span><span >保障</span><span >基金</span></strong><span >。</span></section><section ><span ><br /></span></section><section ><span >有朋友之前买过安邦保险产品的话，现在应该都变更为大家保险承保了。</span></section><section ><span ><br /></span></section><section ><span >下面看产品详情：</span></section><section ><span ><br /></span></section><section ><em><span >注：养多多2号备案</span><span >名是</span><span ></span><span ></span><span >大</span><span >家鑫享至尊（加倍版）养老年金保险</span></em><span >。</span></section><section ><br /></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTPehF4icAZsLq92e6ywzzTQWhpWKtef0OnSVY6hQKhnAgBuokmu1D4Rj1v3ge8KjT1jlk6ibpuickOUQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTPehF4icAZsLq92e6ywzzTQWhpWKtef0OnSVY6hQKhnAgBuokmu1D4Rj1v3ge8KjT1jlk6ibpuickOUQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section ><br /></section><section ><span >重点有3个，<strong ><strong ></strong></strong></span></section><section ><span ><strong ><strong ><br /></strong></strong></span></section><section ><span >一是<strong >「保证</strong><strong >领取</strong><strong >」</strong>，<span >养多多2号能够</span>保证领取20年。</span></section><section ><span ><br /></span></section><section ><span >是目前最主流的保证领取期限，类似产品有光明慧选、金盈年年等</span><span >。</span></section><section ><span ><br /></span></section><section ><span ><span >二是</span><strong >「</strong><strong >身故责任<strong ><strong >」</strong></strong></strong>，有保证领取的产品在这上面都一样：</span></section><section ><br /></section><section ><span >领取养老金之前身故，已交保费和现金价值，哪个多就赔哪个。</span></section><section ><br /></section><section ><span >要是领取养老金之后身故：</span></section><section ><br /></section><ul ><li ><p ><span >在保证领取期内，身故会把保证领取期内<strong>应领未领的钱</strong>一次性赔给受益</span><span >人（例如每年领1万，刚领2年就身故，剩下18年的该领的钱就会给到家人）；</span></p></li><li ><p ><span >过了保证领取期，身故保险金就没了。</span></p></li></ul><section ><br /></section><section ><span >三是<strong ><strong ><strong >「养老社区</strong><strong ><strong >」</strong></strong></strong></strong>，</span></section><section ><span ><span ><br /></span></span></section><section ><span ><span >总保费</span><span >≥20</span><span >0万</span><span >可</span><span >获取大家</span><span >养老社区<strong >首厚大家</strong>的入住资格</span><span >。</span></span></section><section ><span ><br /></span></section><section ><span ></span><span >这个不是每款养老金都有，一般只有大公司才会布局，像之前介绍的太平人寿、光大永明等。</span></section><section ><span ><br /></span></section><section ><span >有养老社区需求的朋友可以重点考虑。</span></section><section ><span ><br /></span></section><section ><span ><span >养多多2号</span>的保障内容大致就这些，下面接着看它的收益情况。</span></section><section ><span ></span></section><section ><br /></section><section ><br /></section><section ><strong ><span style="color: rgb(33, 89, 103)">二、</span></strong></section><p ><br /></p><p ><span >以40岁女性，年交10万，交5年为例，对比当前高收益的养老年金险：</span></p><p ><span style="text-align: center"><br /></span></p><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTPehF4icAZsLq92e6ywzzTQWSSWmUtcPjI7w1BtfPnicJeyibMEm4VmX6rm9Gj5GXnzHuFZmRQGNoFeA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTPehF4icAZsLq92e6ywzzTQWSSWmUtcPjI7w1BtfPnicJeyibMEm4VmX6rm9Gj5GXnzHuFZmRQGNoFeA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><p style="text-align: center"><br /></p><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTPehF4icAZsLq92e6ywzzTQWmudO2ibEkEKibIllSWGic9wEertGXBLBQOnwbPUdzxjOXYJzVbh0XIoTA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTPehF4icAZsLq92e6ywzzTQWmudO2ibEkEKibIllSWGic9wEertGXBLBQOnwbPUdzxjOXYJzVbh0XIoTA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section style="text-align: center"><span style="color: rgb(136, 136, 136)">60岁领取时的各产品对比</span></section><section style="text-align: left"><span style="text-align: justify"><br /></span></section><section ><span >再结合我们一直说的养老金3个挑选要点：</span><span ></span></section><section ><br /></section><section ><strong ><span >1、到领取时间后，每年领取多少年金； </span></strong></section><section ><strong ><span ><br /></span></strong></section><section ><span >这点养多多2号妥妥地第一，年金领取金额极高。</span></section><section ><span ><br /></span></section><section ><span >尤其是55岁和60岁开始领取时，比之前的养老金“双雄”光明慧选、百岁人生都高。</span></section><section ><br /></section><section ><strong ><span >2、保证领取金额：也叫开始领取之后的身故保险金。</span></strong></section><section ><br /></section><section ><span >这个是防止假如刚领几年就身故去世了，有保证领取的，可以把还未领到的保证领取金额给到保单受益人。</span><span ></span></section><section ><br /></section><section ><span >没有保证领取的话，刚领几年就身故了，只赔付累计已交保费减去已领年金，意味着资金投入几十年只是保本，感觉亏。</span></section><section ><span ><br /></span></section><section ><span ><span >这点</span><span >养多多2号</span><span >没啥好说的，</span>主流水平，大家都差不多。</span></section><section ><span ><br /></span></section><section ><span >不过考虑到养多多2号年金领得多，总保证领取金额也是要比其他产品更高的。<br /></span></section><section ><br /></section><section ><strong ><span >3、保单的现金价值：现金价值就是退保能拿回来的钱。</span></strong></section><section ><br /></section><section ><span >万一急用钱不想持有了，这个现金价值决定能拿回来多少钱。</span></section><section ><span ><br /></span></section><section ><span >这点养多多2号不如百岁人生、乐养多2款，它俩都是终身有现金价值，养多多2号现金价值只持续到85岁。<br /></span></section><section ><span ><br /></span></section><section ><span >但这只算瑕疵，还够不上缺点，毕竟85岁后如果没身故，没几个人会放弃稳定的现金流，去拿现金价值。</span></section><section ><span ><br /></span></section><section ><span >因此，在多方面对比后，</span><span style="text-align: left">养多多2号无疑</span><strong ><span style="text-align: left">成功登顶。</span></strong></section><section ><strong ><span style="text-align: left"><br /></span></strong></section><section ><span style="text-align: left">年金领取金额高，有保证领取，有养老社区，现金价值胜过绝大多数产品...</span><strong ><span style="text-align: left"><br /></span></strong></section><section ><strong ><span style="text-align: left"><br /></span></strong></section><section ><span style="text-align: left">成为养老年金险新的<strong>第一推荐</strong>！</span><strong ><span style="text-align: left"></span></strong><strong ><span style="text-align: left"></span></strong></section><p ><br /></p><section ><span style="text-align: left">之前的光明慧选、百岁人生虽然还处于第一梯队，但不再作为首选项。</span></section><section style="text-align: center"><span style="color: rgb(136, 136, 136)"></span></section><section ><span style="text-align: left"><br /></span></section><p ><span style="color: rgb(255, 0, 0)">「养多多2号」购买链接可添加助理微信获取：dongbaoye999</span></p><p ><br /></p><p ><span style="color: rgb(33, 89, 103)"><strong ><span >总结下当前理财险的挑选思路图：</span></strong></span></p><p ><span style="text-align: center"><br /></span></p><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTPehF4icAZsLq92e6ywzzTQWjpqRdCLDWpY8dQKsfaCpUsF5cv7uMgvC4ut5bAzH89BBVoOVibM3bBQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTPehF4icAZsLq92e6ywzzTQWjpqRdCLDWpY8dQKsfaCpUsF5cv7uMgvC4ut5bAzH89BBVoOVibM3bBQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><p ><br /></p><p ><span >注意，养多多2号</span><span >现在仅在线下渠道销售，</span></p><p ><span style="text-align: left"><br /></span></p><p ><span style="text-align: left">购买流程比互联网渠道复杂一些，建议大家添加我团队1对1专属老师协助购买。</span><span style="text-align: left"></span></p><p ><br /></p><section ><strong ><span style="color: rgba(0, 0, 0, 0.9); text-align: start">有疑问，可以加我助理微信</span><strong style="color: rgb(0, 0, 0)"><span >：</span></strong></strong><strong style="color: rgb(0, 0, 0)"><span >dongbaoye999</span></strong></section><section ><br /></section><section ><span style="color: rgb(0, 0, 0)"><strong ><span ></span></strong></span><strong style="color: rgb(0, 0, 0)"><span >或长按下图二维码进入</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“免费咨询”菜单找我团队专业规划老师帮你解决。</span></strong><span ><span style="color: rgb(0, 0, 0)"><strong ><span ></span></strong></span></span></section><section style="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 ><br /></section><section ><span style="color: rgb(0, 0, 0)">相关阅读：</span></section><section ><span style="color: rgb(0, 0, 0)"><br /></span></section><section ><span style="color: rgb(0, 0, 0)"><strong ><span >怎么选理财险：</span></strong><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MzIzMzIzNTk4Mg==&mid=2247484196&idx=1&sn=e5b4f7bd19fc5008eac7f634ddcccba5&chksm=e889f045dffe7953bb7c6791cbbfa37919a692f43281323d11d0ab583f484db042b57ff8100d&scene=21#wechat_redirect" textvalue="增额终身寿险和年金险选哪个？" linktype="text" imgurl="" imgdata="null" tab="innerlink" wah-hotarea="click" hasload="1" >增额终身寿险和年金险选哪个？</a></span></section><section ><br /></section><section ><strong >养老年金险相关：</strong></section><section ><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247491843&idx=1&sn=16e0e630e4d56a4d90b9d89b4d861266&chksm=cfb60283f8c18b951f7f7f080e0bb9faffc8bffb997cbf489f2de6f686784e18aebcf8f22d83&scene=21#wechat_redirect" textvalue="养老年金险怎么选？看这篇就行了" linktype="text" imgurl="" imgdata="null" tab="innerlink">养老年金险怎么选？看这篇就行了</a></span></section><section ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247491349&idx=1&sn=4b3121f1d2898a00367c17d63566bc32&chksm=cfb5fc95f8c275835f72aab9b8dd4bb1b9e5a38711d8a011019a1eb3d08057607c4dbf870720&scene=21#wechat_redirect" textvalue="一个无法忽视的坑，关乎所有年金险！" linktype="text" imgurl="" imgdata="null" tab="innerlink" ><span >一个无法忽视的坑，关乎所有年金险！</span></a></section><section ><br /></section><section ><strong ><span >增额寿险评测：<a target="_blank" href="https://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247493186&idx=1&sn=cd505495199caa6c08b5419298e7493a&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"></a></span></strong><a target="_blank" href="https://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247493434&idx=1&sn=e5fd0d9b54e0423b2944b4f6cfe858c3&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"><span >收益排行榜，所有线上线下增额终身寿大PK</span></a><strong ><span ><a target="_blank" href="https://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247493186&idx=1&sn=cd505495199caa6c08b5419298e7493a&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"></a></span></strong><span style="color: rgb(0, 0, 0)"></span></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 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></span></section><section label="Powered by 135editor.com" ><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>
