<section ><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%2FaqibLpHUEczvCgedibldVLDwZKY0felWpzDYibU9ylysRT0VFCsoicUhknsXIqJhBtuXEj4w3qhk6lpNJPMSO1txAA%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEczvCgedibldVLDwZKY0felWpzDYibU9ylysRT0VFCsoicUhknsXIqJhBtuXEj4w3qhk6lpNJPMSO1txAA/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><section ><br /></section><section ><br /></section><section ><span style="color: rgb(33, 89, 103)"><strong><span >一、</span></strong></span></section><section ><span ><br /></span></section><section ><span >众所周知，增额终身寿的优点</span><span >除了安全和高收益（复</span><span >利3%），</span></section><section ><span ><br /></span></section><section ><span >还有一个就</span><span >是灵活（随时<strong>减保</strong>取现）。</span></section><section ><span ><br /></span></section><section ><span >可由于监管限制，今年的</span><strong><span >增额终身寿新品</span></strong><span >都给减保加了最多20%的限制。</span></section><section ><span ><br /></span></section><section ><span >注：去年的产品如金玉满堂、增多多等暂时没有限制。</span></section><section ><span ><br /></span></section><section ><span >既然趋势是这样，我们就来好好聊聊这个问题。</span></section><section ><span ><br /></span></section><section ><span >毕竟说起来简单，最多减保20%，实际涉及到的情况非常复杂。</span></section><section ><span ><br /></span></section><section ><span >像之前有位朋友留言：</span></section><section ><span ><br /></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FO95eeDepqTNlHZolxFmG0a3GZCHfkeFgicamtRAfynpyQvEJdQoynOUAlqVCMCZ1AVqpKefNqCZicjibmiclhSEwkw%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/O95eeDepqTNlHZolxFmG0a3GZCHfkeFgicamtRAfynpyQvEJdQoynOUAlqVCMCZ1AVqpKefNqCZicjibmiclhSEwkw/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><section ><span ><br /></span></section><section ><span >减保20%保费和保额一样吗？</span></section><section ><span ><br /></span></section><section ><span ></span><span >先说答案：不一样，为啥我们接着看。</span></section><section ><span ><br /></span></section><section ><span ><br /></span></section><section ><span style="color: rgb(33, 89, 103)">二、</span></section><section ><br /></section><section ><span >我简单归纳了下，增额终身寿有4种常见的<strong>减保20%</strong>约定：</span><span ></span></section><section ><span ><br /></span></section><section ><span >注：鉴于原条款文字比较晦涩，下面几种约定是给大家<span style="color: rgb(53, 53, 53); text-align: start">“翻译”后的说法。</span><br /></span></section><section ><span ><br /></span></section><p ><span style="color: rgb(255, 0, 0)">1、每年不超过【投保时累计所交保费】的20%</span></p><p ><span ><br /></span></p><p ><span >关键词：<strong>投保时</strong>，所交保费。</span></p><p ><span ><br /></span></p><p ><span >第一类减保限制比较好理解，就是买增额寿花了多少钱，之后减保每年能减保20%当初交的保费，是固定值。</span></p><p ><span ><br /></span></p><p ><span >例如我趸交（一次交完）50万买了A款增额寿，那我之后每年最多减保50万*20%=10万，年年如此。</span></p><p ><span ><br /></span></p><p ><span >弄个代表产品看下，<strong>信泰人寿如x尊（星光版）</strong>：<br /></span></p><p ><span ><br /></span></p><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTNlHZolxFmG0a3GZCHfkeFgB5t3dNvcQ7ZpkmzXSgar2EBVvz04EexPKyKNxjMdKdGaZlbuLOYiboA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTNlHZolxFmG0a3GZCHfkeFgB5t3dNvcQ7ZpkmzXSgar2EBVvz04EexPKyKNxjMdKdGaZlbuLOYiboA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><p ><span ><br /></span></p><p ><span >明显，不管怎么减保，减保基数都是<strong>投保时保费</strong>50万。</span><span ></span></p><p ><br /></p><p ><span style="color: rgb(255, 0, 0)">2、每年不超过【减保时累计所交保费】的20%</span></p><p ><span ><br /></span></p><p ><span ><span >关</span><span >键词：</span><strong >减保时</strong><span >，</span>所交保费<span >。</span></span></p><p ><span ><br /></span></p><p ><span >注意，虽然都是最多减保20%保费，</span></p><p ><span ><br /></span></p><p ><span >但上一种减保限制是<strong>投保时</strong>保费的20%，现在说的是<strong>减保时</strong>保费20%。</span></p><p ><span ><br /></span></p><p ><span >有区别吗？</span><span >还真有区别</span><span >，</span><span >举个例子</span><span >：</span></p><p ><span ><br /></span></p><p ><span >假设我们买了B款增额寿，不管交多少保费，十年后，账户金额就会涨到2倍；如保费1</span><span >0万，十</span><span >年</span><span >后</span><span >，账户金额就是20万。</span></p><p ><span ><br /></span></p><p ><span >那么，我投入保费50万，十年后账户金额100万时，选择减保20万，账户金额还剩多少？100-20=80万。</span></p><p ><span ><br /></span></p><p ><span >就是说，原保费50万，我减保20万后，<strong>相当于我当初保费只交了40万</strong>，因为现在账户金额只有80万。<br /></span></p><p ><span ><br /></span></p><p ><span ><span >再弄</span><span >个</span><span >代</span><span >表</span><span >产</span><span >品</span><span >看</span><span >下</span><span >，<strong>海保人寿鑫x意</strong></span><span >：</span></span></p><p ><br /></p><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FO95eeDepqTNlHZolxFmG0a3GZCHfkeFgic3pzmfL0UmCE3nm3bdd0cbXgvtloia89u7hBmdotmgI5oNPQY1gKdQQ%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/O95eeDepqTNlHZolxFmG0a3GZCHfkeFgic3pzmfL0UmCE3nm3bdd0cbXgvtloia89u7hBmdotmgI5oNPQY1gKdQQ/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><p ><br /></p><ul ><li><p><span ><strong>第1次减保</strong>：和如x尊星光版没区别，保费50万的20%，减10万；</span></p></li><li><p><strong><span ><span >第2</span><span >次</span><span >减</span><span >保</span></span></strong><span ><span ></span><span >：由于第1次减保了10万，</span><strong><span >减保时</span><span >保费</span></strong><span >由</span><span >50万降到43万，只能减保43万</span><span >的2</span><span >0%，8.6</span><span >万；</span></span></p></li><li><p><strong><span ><span ><span >第3</span><span >次</span><span >减</span><span >保</span></span></span></strong><span ><span ><span ></span><span >：同理，减保时</span><span >保费由43</span><span >万降到37万，只能减保37万</span><span >的2</span><span >0%，7.4</span><span >万；</span></span></span></p></li><li><p><span ><span ><span >...</span></span></span></p></li></ul><p ><span ><br /></span></p><p ><span >现在能理解</span><strong >投保时保费</strong><span >和</span><strong >减保时保费</strong><span >的</span><span >区别了吗？</span></p><p ><span ><br /></span></p><p ><span >按投保时保费减保，锚定的是固定值，每年减保金额也是固定的。</span></p><p ><span ><br /></span></p><p ><span >按减保时保费减保，由于每次减保，保费都要重新计算，这种减保金额是<strong>越减越少</strong>，是<strong>变化值</strong>。</span><span ></span></p><p ><span ><br /></span></p><p ><span style="color: rgb(255, 0, 0)">3、每年不超过【投保时基本保险金额】的20%</span></p><p ><span ><br /></span></p><p ><span ><span >关</span><span >键词：<strong>投保</strong></span><strong >时</strong><span >，基本保额</span><span >。</span></span></p><p ><span ><br /></span></p><p ><span >这种减保限制又不一样了，</span></p><p ><span ><br /></span></p><p ><span >前两种都是按保费减保，这种是按保额减保。</span></p><p ><span ><br /></span></p><p ><span >看起来复杂，其实更简单了。<br /></span></p><p ><span ><br /></span></p><p ><span >因为它锚定的是<strong>投保时基本保额</strong>，最多减保20%【投保时基本保额】，就等于减保<span >2</span><span >0%</span><span >【</span><span >投保</span><span >时</span><span >基本保额</span><span >】</span>所对应的现金价值（即账户金额）。</span></p><p ><span ><br /></span></p><p ><span >不好理解可以想象把保单五等分，每年能减保1/5，</span><span >这样的话，</span><strong >5年就能全部减保</strong><span >！</span></p><p ><span ><br /></span></p><p ><span >代</span><span >表</span><span >产</span><span >品</span><span >，<strong>长城人寿龙x关</strong></span><span >：</span></p><p ><br /></p><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTNlHZolxFmG0a3GZCHfkeFgrQROianQAldWDuHZRGnib9ibibybwmhvuiaiblmVXZxRYuw1ZSOAY2WFNfDQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTNlHZolxFmG0a3GZCHfkeFgrQROianQAldWDuHZRGnib9ibibybwmhvuiaiblmVXZxRYuw1ZSOAY2WFNfDQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><p ><br /></p><p ><span >本金50万，投保时基本保额491000，那么20%就是98200。</span></p><p ><span ><br /></span></p><ul ><li><p><strong><span >第1年减保</span></strong><span >98200基本保额，对应的现金价值是140940；</span></p></li><li><p><strong><span ><span >第2</span><span >年</span><span >减保</span></span></strong><span ><span ></span><span >98</span><span >200基本保额，对应的现金价值是</span><span >145880</span><span ></span><span >；</span></span></p></li><li><p><span ><span >...</span></span></p></li></ul><p ><span ><span ><br /></span></span></p><p >减保4年后，刚好还剩一个98200基本保额的保单（见图右），即5年全部能减完。<br /></p><p ><br /></p><p ><strong>这也是目前最优秀的20%减保限制。</strong></p><p ><br /></p><p >注：每年减保金额越来越多，是因为我们减保用了5年，<span >账户金额这5年内还</span><span >在按复利3.5%增值。</span></p><p ><br /></p><p ><span style="color: rgb(255, 0, 0)">4、每年不超过【减保时基本保险金额】的20%</span></p><p ><span ><br /></span></p><p ><span ><span >关</span><span >键词：<strong>减保</strong></span><strong >时</strong><span >，基本保额</span><span >。</span></span></p><p ><span ><br /></span></p><p ><span >这又跟第二种减保限制类似，没有固定的锚点，每次减保后重新计算基本保险金额。</span></p><p ><span ><br /></span></p><p ><span >原理前面说过了，我们每次减保后，<strong>增额寿的保费和保额会重新计算</strong>。<br /></span></p><p ><span ><br /></span></p><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTNlHZolxFmG0a3GZCHfkeFgscN4t6ZtUvibeRO7zhE0z7I4FYz6Mo9nUJLeNqdl76KUsc5XyZvDNXA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTNlHZolxFmG0a3GZCHfkeFgscN4t6ZtUvibeRO7zhE0z7I4FYz6Mo9nUJLeNqdl76KUsc5XyZvDNXA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><p ><span ></span><br /></p><p ><span >而前面第一种和第三种，分别锚定的是【投保时已交保费】、【投保时基本保额】，都是固定值，不受这个影响。<br /></span></p><p ><span ><br /></span></p><p >不过一通百通，以渤海人寿前行x忧为例：</p><p ><br /></p><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FO95eeDepqTNlHZolxFmG0a3GZCHfkeFgAlFHwuq9b8OhVRDzt7yeYjpNhosHgN4SFv6cCCe34GNvbIibWB0a15Q%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/O95eeDepqTNlHZolxFmG0a3GZCHfkeFgAlFHwuq9b8OhVRDzt7yeYjpNhosHgN4SFv6cCCe34GNvbIibWB0a15Q/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><p ><br /></p><ul ><li><p><strong><span >第1年减保</span></strong><span >是20%基本保额对应的现金价值（账户金额）40312元；</span></p></li><li><p><strong><span ><span >第2</span><span >年</span><span >减保</span></span></strong><span ><span >，因为第1年减保后重新计算保额（19万降到15万）和账户金额，</span><span >20%</span><span >保</span><span >额</span><span >对应的现金价值（账户金额）降低，只有33379</span><span >元；</span></span></p></li><li><p><span ><span >第3年之后减保</span></span><span ><span >同理。</span></span></p></li></ul><p ><span ><br /></span></p><p ><span >2</span><span >0%</span><span >【</span><span >减保</span><span >时</span><span >基本保额</span><span >】<span >无非要减保后重新计算罢了，</span></span></p><p ><span ><span ><br /></span></span></p><p ><span ><span >这也带来一个后果，和第二种<span >2</span><span >0%</span><span >【</span><span >减保</span><span >时已交保费</span><span >】一样，每年越减越少。</span></span></span></p><p ><span ><span ><span ><br /></span></span></span></p><p ><span ><span ><span >只要不是固定值，需要重新计算就有这个通病。</span></span></span></p><p ><span ><br /></span></p><section ><span ><br /></span></section><section ><span ><span style="color: rgb(33, 89, 103)">三、</span></span><span ></span></section><section ><span ><br /></span></section><section ><span >以上就是目前最常见的几种减保限</span><span >制了，</span></section><section ><br /></section><h3 ><span >窥一斑而知全豹</span>，监管机构对容易产生<span style="color: rgb(53, 53, 53); text-align: start">“长险短做”（原本要长期持有，结果短时间内就能获得可观收益）风险的</span>增额寿还是非常上心的。</h3><h3 ><br /></h3><h3 ><strong>给减保添加上限无疑限<span >制了增额寿的灵活性</span></strong><span >。</span></h3><section ><span ><br /></span></section><section ><span >但没办法，这是大势所趋，没有减保限制估计产品备案都过不了。</span></section><section ><span ><br /></span></section><section ><span >最后一图流总结下：</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%2FO95eeDepqTNlHZolxFmG0a3GZCHfkeFgUKeZwy3gMSjibZbg7fwbhsbxfF8JuicYBQ8hibWAnLlTCKyz2MMfh1h3g%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTNlHZolxFmG0a3GZCHfkeFgUKeZwy3gMSjibZbg7fwbhsbxfF8JuicYBQ8hibWAnLlTCKyz2MMfh1h3g/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section ><span ><br /></span></section><ul ><li ><p ><span >最好的明显是20%【投保时基本保险金额】，5年就能减完；</span></p></li><li ><p ><span >最坑的是20%【减保时所交保费】，基数就小，还越减越少；</span></p></li><li ><p ><span >20%【投保时所交保费】和20%【减保时基本保险金额】半斤八两。</span></p></li></ul><section ><span ><br /></span></section><section ><span >注：虽然减保有20%限制，但退保是没限制的，真急用钱，直接退保全部100%取出即可。<br /></span></section><section ><br /></section><section ><span >不想退保，也可以申请保单贷款，可贷80%账户金额。</span></section><section ><br /></section><section ><strong><span >因此个人看法是减保限制有一定影响，但影响不到</span><span style="color: rgb(53, 53, 53); text-align: start">增额寿的地位，它仍是<span >目前最牛x的存钱理财方式</span></span><span >。</span></strong><span ></span></section><section ><br /></section><section ><span >何况暂时还有一些没有减保限制的产品（如<strong>金玉满堂</strong>等），估计活不了多久，在意减保的朋友</span><span style="text-align: left">建议添加我团队1对1专属老师赶紧上车。</span></section><section ><span ><br /></span></section><section ><strong ><span style="color: rgba(0, 0, 0, 0.9); text-align: start">有疑问，可以加我助理小琳微信</span><strong style="color: rgb(0, 0, 0)"><span >：</span></strong></strong><strong style="color: rgb(0, 0, 0)"><span >dongbaoye777</span></strong></section><section ><br /></section><section ><span style="color: rgb(0, 0, 0)"><strong ><span >或点击下方</span></strong></span><span ><span style="color: rgb(33, 89, 103)"><strong ><span >公众号“免费咨询”菜单</span></strong></span><span style="color: rgb(0, 0, 0)"><strong ><span >找我团队专业规划老师帮你解决。</span></strong></span></span></section><section></mpprofile></section><section ><span style="color: rgb(0, 0, 0)">相关阅读：</span></section><section ><br /></section><section ><strong ><span >最新增额寿险评测：<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247492893&idx=1&sn=433c159795137a740dc9d1d8c35e9ce3&chksm=cfb6069df8c18f8be551f646c5e91677cbea1e8b7848e271938a6e53bc8045545d55198205db&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 ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247492893&idx=1&sn=433c159795137a740dc9d1d8c35e9ce3&chksm=cfb6069df8c18f8be551f646c5e91677cbea1e8b7848e271938a6e53bc8045545d55198205db&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><strong ><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247492893&idx=1&sn=433c159795137a740dc9d1d8c35e9ce3&chksm=cfb6069df8c18f8be551f646c5e91677cbea1e8b7848e271938a6e53bc8045545d55198205db&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></section><section ><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" >增额终身寿险和年金险选哪个？</a></section><section ><span ><strong >规划养老相关：<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247491282&idx=1&sn=914ea319e17ce77d599060b8e37095ba&chksm=cfb5fd52f8c27444baaedac1d4dd6490f818056c518b0159b6dbefa440e0eabcb28d715be388&scene=21#wechat_redirect" textvalue="很认真地聊一下养老保险" linktype="text" imgurl="" imgdata="null" tab="innerlink"></a></strong><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247491282&idx=1&sn=914ea319e17ce77d599060b8e37095ba&chksm=cfb5fd52f8c27444baaedac1d4dd6490f818056c518b0159b6dbefa440e0eabcb28d715be388&scene=21#wechat_redirect" textvalue="很认真地聊一下养老保险" linktype="text" imgurl="" imgdata="null" tab="innerlink">很认真地聊一下养老保险</a></span></section><section style="text-align: left"><br /></section><section ><br /></section><section style="text-align: center"><span ><span >— </span><strong >END </strong><span >—</span></span></section><section style="text-align: center"><br /></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 style="text-align: center"><br /></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，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 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