年复利3.49%，“大清洗”后有俩漏网之鱼暂存

<section style="text-align: center"><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&amp;mid=2447790313&amp;idx=2&amp;sn=55e0cf403a3327c58f7dfcc77ea888c8&amp;chksm=b2b077ab85c7febda44a18349455223c46e61a6d8082f6f51e7dcbb9a81e93eba23d8e4d1845&amp;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%2FO95eeDepqTNd0PYgn8rV4TQVjQxG0rticGjMGQB8lSWAdDEzoZgQ3nibDjBv80xDAeVwEmoFQJ77bnMQ3wQapCjA%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/O95eeDepqTNd0PYgn8rV4TQVjQxG0rticGjMGQB8lSWAdDEzoZgQ3nibDjBv80xDAeVwEmoFQJ77bnMQ3wQapCjA/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 style="color: rgb(51, 51, 51); text-align: justify"><br /></p><p style="color: rgb(51, 51, 51); text-align: justify"><span >2022年11月，监管一则通报几乎送走了全部<strong>定价激进</strong>的增额终身寿险。</span></p><p style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></p><p style="color: rgb(51, 51, 51); text-align: justify"><span >不过有2款产品，因为特殊的“身份”逃过了一劫，成了市面极罕见的3.49%产品。<br /></span></p><p style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></p><p style="color: rgb(51, 51, 51); text-align: justify"><span >这俩就是昆仑「<strong>乐享年年</strong>」，以及和谐的「<strong>人我行</strong>」。</span></p><p style="color: rgb(51, 51, 51); text-align: justify"><br /></p><p style="color: rgb(51, 51, 51); text-align: justify"><br /></p><p ><span style="color: rgb(33, 89, 103); text-align: start">一、</span></p><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 >比起近期刚上的人我行，昆仑乐享年年是个熟面孔了，之前有个马甲叫增多多3号，现在也叫增多多3号久久版。</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 >它们都属于<strong>增额终身护理险</strong>，和增额终身寿险同是当前大火的“增额产品”。</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 >相同之处在于，保额都按固定比例复利增长，现金价值也会同步逐年增加（增额产品的统一玩法）；</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 >安全性也一致，都有监管兜底。</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(34, 34, 34)"><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(34, 34, 34)">《</span><span style="color: rgb(34, 34, 34)"><a target="_blank" href="https://mp.weixin.qq.com/s?__biz=MzIzOTAzMzkyNg==&amp;mid=2247502414&amp;idx=2&amp;sn=7b8b3d207abc426ffa1a116af727f295&amp;chksm=e932c167de454871c9f5ae48f37e5563d9484a1d939ac7de55378365a201216add9bc0c950b1&amp;scene=21&amp;sessionid=1669599612&amp;subscene=227&amp;key=1992efc07133d5cecb23687f009b3ab968c20100ce6daa9054c69675ae933f679e0b79b30a918aba3c0a673c7f9fb6ede8704989dbec3de570b2fec694f7548e971394a07e03919110bf7309c4e880b34ab5834873ab932243afb98593fca8e53156b1ebbc8228eee8d6c22273dafb17bd78fb8c413226d1f6e0f33806760d4f&amp;ascene=7&amp;uin=MTIzOTMyNjYyOQ==&amp;devicetype=Windows 8 x64&amp;version=63080029&amp;lang=zh_CN&amp;exportkey=n_ChQIAhIQwIrVtWk2x/HDv40W5GQw xLfAQIE97dBBAEAAAAAAATFOIdWAS0AAAAOpnltbLcz9gKNyK89dVj0bAPYyUsjjzjdrwGO R4PqrDEK E3UdDh6UDA9SvX8j7RoSHpZF4shW 7iPv5nHptqwpezzO eb7Tmsi93TzD7Qt0BAYt XMh7YkAWLvTW/7SGhOE5Q3Jq4593LweDVIg3s/RHhZHtbvLqmG ajL9cnHLY 3i1ix1rdhf/hSTgXL9BpKhXZhcF MoPowNT3y5hgqA74se20traHOH OR9z0ap8zJz BOvDElxm4ckzMEbzQE95EmZRg0=&amp;acctmode=0&amp;pass_ticket= pKCmtBZ1ZyRFKYamAETiZtMX9qWjD60ggMgsttmcKUTUkNSNbWkKoXr0ylRDDdE&amp;wx_header=1&amp;fontgear=2#wechat_redirect" textvalue="保险保障基金管理办法" linktype="text" imgurl="" imgdata="null" tab="innerlink" >保险保障基金管理办法</a></span><span ><span style="color: rgb(34, 34, 34)">》</span>第22条规定：除人寿保险合同外的其他长期人身保险合同，其救助标准按照人寿保险合同执行。</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 >主要区别是，增额寿险附带的保险责任是「疾病」和「意外」导致的身故/全残；</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 >增额护理险的保险责任是「疾病身故」和「长期护理」。</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 >也就是乐享年年、人我行这种增额护理险相比普通增额寿，<strong>多了护理责任，少了意外身故责任</strong>。<br /></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 >万一因意外身故，只能拿回现金价值，要是当时封闭期还没结束，就有亏损了。<br /></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 >好在封闭期一般都在十年内，这期间可以买份意外险补充下，50万保额一年也就一百多。</span><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><br /></section><section style="color: rgb(51, 51, 51); text-align: justify"><br /></section><p ><span style="color: rgb(33, 89, 103); text-align: start">二、</span></p><section style="color: rgb(51, 51, 51); text-align: justify"><br /></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >回到产品，</span><br /></section><section style="color: rgb(51, 51, 51); text-align: justify"><br /></section><p style="color: rgb(51, 51, 51); text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTP3MNELTT24RkhmsW4N7BDeErlYYMGFp4LcBsbpOOAiaFxHic7hWgbDvKIxPpmdeJlhHqabQCiapArSw%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTP3MNELTT24RkhmsW4N7BDeErlYYMGFp4LcBsbpOOAiaFxHic7hWgbDvKIxPpmdeJlhHqabQCiapArSw/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section style="color: rgb(51, 51, 51); text-align: justify"><br /></section><section style="color: rgb(51, 51, 51); text-align: justify"><strong><span >乐享年年</span></strong><span >和主流增额寿在规则和功能层面差不多，</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 >支持趸交、3/5/10/15/20年交，购买门槛趸交（一次交清）是5万，分期交是1万；</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 >减保每年最多减20%保额（5年可取完），减保后最低保费要大于购买门槛保费。</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 >此外，它还支持隔代投保，保费超过50万，可以对接<strong>金银花万能账户</strong>。</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 >保底利率3%，当前结算利率5%，不过昆仑结算利率不够稳定，一般两年就降到保底了。</span><span ><br /><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >然后就是<strong>人我行</strong>这款，真就有点我行我素的感觉，不支持给未成年人买就算了，缴费期只有10年交。</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 >减保规则和乐享年年类似，只是要满5年才能减保，考虑到5年封闭期还没过，实际没有影响。<br /></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 >人我行还有个优点是，减保可以在APP线上操作。</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 >像乐享年年，在线减保功能还在开发中没上线，目前是邮件减保，介意的话只能拆单买，在线退保是可行的。<br /></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 >最后，这俩的承保公司（昆仑、和谐）都成立于<strong>2006年</strong>，是国内最早的一批专业健康险公司。</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 >其中昆仑健康注册资本23.4亿元（门槛是2亿），总资产约451亿元，位列行业中游；</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 >和谐健康注册资本139亿元，资产规模3200亿元，和刚上市的阳光保险一个级别，算是头部人身险公司了。</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 >其他就乏善可陈了，接下来重点还是收益对比。</span></section><p style="color: rgb(51, 51, 51); text-align: justify"><br /></p><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 style="color: rgb(33, 89, 103); text-align: start">二、</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 >将乐享年年、人我行，和市面热门的增额终身寿放一起、分缴费期来看。</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 style="color: rgb(33, 89, 103)"><strong><span >1、趸交（一次交清）</span></strong></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><br /></section><section style="color: rgb(51, 51, 51); text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTP3MNELTT24RkhmsW4N7BDedHMSyuUt2sDlZoNpze8zCGPPrF1T9ibibZmpNbjqrnN5ru6X9zs2z7yg%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTP3MNELTT24RkhmsW4N7BDedHMSyuUt2sDlZoNpze8zCGPPrF1T9ibibZmpNbjqrnN5ru6X9zs2z7yg/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgb(34, 34, 34); text-align: center"><span style="color: rgb(136, 136, 136)">收益前三标记为：</span><span style="color: rgb(255, 0, 0)">红</span><span style="color: rgb(136, 136, 136)">＞</span><span style="color: rgb(255, 104, 39)">橙</span><span style="color: rgb(136, 136, 136)">＞</span><span style="color: rgb(0, 128, 255)">蓝</span><span style="color: rgb(136, 136, 136)">，下同</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><br /></section><p style="color: rgb(51, 51, 51); text-align: justify"><span >人我行不支持趸交，就没它什么事了，看乐享年年就行。</span></p><p style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></p><p style="color: rgb(51, 51, 51); text-align: justify"><span >结果也不负众望，作为3.49%产品，乐享年年第10年就开始一路碾压市面同类产品；</span></p><p style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></p><p style="color: rgb(51, 51, 51); text-align: justify"><span >本金30万，持有10年全部取出就有41.7万，年利率超过3.9%（单利）。</span></p><p style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></p><p style="color: rgb(51, 51, 51); text-align: justify"><span >要是持有30年，账户金额高达83.3万，同期第二名只有82.5万。<br /></span></p><p style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></p><p style="color: rgb(51, 51, 51); text-align: justify"><span >详细收益率如下：</span></p><p style="color: rgb(51, 51, 51); text-align: justify"><br /></p><section style="color: rgb(51, 51, 51); text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTM5DfJibgQicVa8RBPdLNcgozNL8fCo6icQSSN7QTm0begBMl9BuT7lJpExEWgJU7W83Ja87eweTYCNQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTM5DfJibgQicVa8RBPdLNcgozNL8fCo6icQSSN7QTm0begBMl9BuT7lJpExEWgJU7W83Ja87eweTYCNQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><p style="color: rgb(51, 51, 51); text-align: justify"><br /></p><p style="color: rgb(51, 51, 51); text-align: justify"><span >除非是短期要用钱（10年内），那复保的星盈家更好。</span></p><p style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></p><p style="color: rgb(51, 51, 51); text-align: justify"><span >只要超过10年，昆仑-乐享年年就是当下无敌的产品。<br /></span></p><p style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></p><p style="color: rgb(51, 51, 51); text-align: justify"><span >也是该缴费期下，当前唯一IRR能稳定突破3.48%的增额寿。<br /></span></p><p style="color: rgb(51, 51, 51); text-align: justify"><br /></p><section style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(33, 89, 103)"><strong><span >2、三年期+五年期缴费</span></strong></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><br /></section><section style="color: rgb(51, 51, 51); text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTP3MNELTT24RkhmsW4N7BDeUjziaEEq0ZY1T2g025O3qnicZ1yDdXXHziczuPaRrph6YzQppM3OWdqRw%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTP3MNELTT24RkhmsW4N7BDeUjziaEEq0ZY1T2g025O3qnicZ1yDdXXHziczuPaRrph6YzQppM3OWdqRw/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center"><span style="color: rgb(136, 136, 136)">3年期缴费</span></section><section style="text-align: center"><br /></section><section style="color: rgb(51, 51, 51); text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTP3MNELTT24RkhmsW4N7BDes0y2ic72RnhjmnrnFXrfZGia3mRhkNA5w2dIBUpE6Sibsrnhx3Z9gVoicw%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTP3MNELTT24RkhmsW4N7BDes0y2ic72RnhjmnrnFXrfZGia3mRhkNA5w2dIBUpE6Sibsrnhx3Z9gVoicw/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgb(51, 51, 51); text-align: center"><span style="color: rgb(136, 136, 136); text-align: center">5年期缴费</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 >3年交和5年交，结论一致，<strong>乐享年年10年后收益没对手</strong>。</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 >并且这俩缴费期还是乐享年年的“传统优势期”，一向是它的主场。</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 >可以继续看几款top产品的收益率数据：</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><br /></section><p style="color: rgb(51, 51, 51); text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTM5DfJibgQicVa8RBPdLNcgoziaEjzgic6OqxXa67gc5PBtltue6n242EBZp0GvJiaSDFUYvnlOfwz3aicA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTM5DfJibgQicVa8RBPdLNcgoziaEjzgic6OqxXa67gc5PBtltue6n242EBZp0GvJiaSDFUYvnlOfwz3aicA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section style="color: rgb(51, 51, 51); text-align: justify"><br /></section><section style="color: rgb(51, 51, 51); text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTP3MNELTT24RkhmsW4N7BDeSNPBPuiafibDIibDP6YFy34nn3Nz7XAEQlcMjxSc7jqo5NrHyRicVibMemg%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTP3MNELTT24RkhmsW4N7BDeSNPBPuiafibDIibDP6YFy34nn3Nz7XAEQlcMjxSc7jqo5NrHyRicVibMemg/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgb(51, 51, 51); text-align: justify"><br /></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >乐享年年在3年/5年交时，收益优势进一步扩大：</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 >持有11年左右，年复利IRR就能突破3.4%，同期产品不到3.3%；<br /></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 >持有50年内，IRR已经来到了3.49%，相当强悍。</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"><strong><span >只论收益，乐享年年无论趸交，还是3年/5年交，都是当前top1</span></strong><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 style="color: rgb(33, 89, 103)"><strong><span >3、十年期缴费</span></strong></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><br /></section><section style="color: rgb(51, 51, 51); text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTP3MNELTT24RkhmsW4N7BDeBSxtzc3X73LySlPicBMpl8FCwcyGYd3zXVuJkT94U09hG7uHhjAtsoA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTP3MNELTT24RkhmsW4N7BDeBSxtzc3X73LySlPicBMpl8FCwcyGYd3zXVuJkT94U09hG7uHhjAtsoA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgb(51, 51, 51); text-align: justify"><br /></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >只能说，风水轮流转。</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 >10年交时，乐享年年风光不再，不但失守第一，第二都没得坐，目前位列人我行、金玉满堂2.0之后。</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 style="color: rgb(33, 89, 103)"><em><span style="color: rgb(33, 89, 103)">*注：人我行产品设计时全年龄段/缴费期数据都有，只是当前仅开放成年人和10年交，<em style="color: rgb(33, 89, 103)">未来</em>有可能开放更多，为方便对比上图用了10岁的数据。</span></em></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 >作为<strong>人我行</strong>唯一支持的缴费期，这款十年期收益是真的亮眼。<br /></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 >钱还没交完，第8年开始，人我行就成了收益之王。</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><br /></section><section style="color: rgb(51, 51, 51); text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTP3MNELTT24RkhmsW4N7BDeoCVuibxoZ1ric2TFfe2D0bzX4Dj8DCN8iawcbsSTPR5COibwpI2e7qMOBg%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTP3MNELTT24RkhmsW4N7BDeoCVuibxoZ1ric2TFfe2D0bzX4Dj8DCN8iawcbsSTPR5COibwpI2e7qMOBg/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgb(51, 51, 51); text-align: justify"><br /></section><section ><span >刚交完钱那一年，账户金额就有36.3万，净赚6.3万，相当于存银行年利率3.82%（单利）；</span></section><section ><span ><br /></span></section><section ><span >不动用，再过15年，账户有60.8万，本金翻倍，相当于这期间年利率高达5%（单利）！</span></section><section ><span ><br /></span></section><section ><span >第29年，人我行IRR年复利超3.49%，折算单利约5.42%，持有时间越长，优势还会越大。</span></section><section ><span ><br /></span></section><section ><strong><span >直至无限趋近3.5%的收益上限。</span></strong><span ><br /></span></section><section ><span ><br /></span></section><section ><span >因此，在乐享年年10年交退位后，人我行既是如今唯一的3.49%产品，也是十年期最强单品！</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><br /></section><section style="color: rgb(51, 51, 51); text-align: justify"><br /></section><section style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(33, 89, 103); text-align: start">三、</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 >前面说到，乐享年年、人我行都是逃过一劫的产品。</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 >其实原因也很简单，<strong>监管出手的是定价激进的增额终身寿险，增额护理险因为不是寿险没被波及到。</strong><br /></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 >不过作为年复利最高3.49%的增额产品，要是银保监不管，业内都没人相信。<br /></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 >毕竟寿险公司也能开发健康险，真不管的话只是换个赛道竞争而已，只针对“增额终身寿险”没有意义。</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 >所以乐享年年、人我行，</span><strong><span >不是“幸存”，只是“暂存”而已。</span></strong><span ><br /></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 >能活多长时间也不知道，想必不会很久。<br /></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 >趁着两条漏网之鱼还在，收益也是标准的3.49%产品，想买就抓紧吧。</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 >附当前增额终身寿挑选建议：</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><br /></section><p style="color: rgb(51, 51, 51); text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTM5DfJibgQicVa8RBPdLNcgozkqG50sdVuPxBibRwLZ8zT7DWUKsrGu4Lmc3aJOzkxoBzJ8goyVdNaUw%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTM5DfJibgQicVa8RBPdLNcgozkqG50sdVuPxBibRwLZ8zT7DWUKsrGu4Lmc3aJOzkxoBzJ8goyVdNaUw/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section style="color: rgb(51, 51, 51); text-align: justify"><br /></section><section style="color: rgb(51, 51, 51); 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 ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&amp;mid=2247496131&amp;idx=1&amp;sn=0178a60c6af1ccef5fee23a1a9ce3ff3&amp;chksm=cfb61243f8c19b55f625f3bfc66cad7b5577c71595aa611cbbcab3c47975ed7a9391d73824da&amp;scene=21#wechat_redirect" textvalue="7年可达3.5%，复保「星盈家」太绝了" linktype="text" imgurl="" imgdata="null" tab="innerlink" ><span >7年可达3.5%，复保「星盈家」太绝了</span></a><br /></section><section ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&amp;mid=2247493504&amp;idx=1&amp;sn=fe6fef6b0bdb5390409f74eeea7d57a4&amp;chksm=cfb60400f8c18d164c7051205062f7944b9539f2ed43df5f72f71cbdfdb93f1e4228b76510b4&amp;scene=21#wechat_redirect" textvalue="比存银行更好的存钱新路子" linktype="text" imgurl="" imgdata="null" tab="innerlink" ><span >比存银行更好的存钱新路子</span></a><br /></section><section ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&amp;mid=2247493287&amp;idx=1&amp;sn=c67de5048364c763c64d745c8554dcf0&amp;chksm=cfb60527f8c18c3174405593f6d532cb8f83f81e138e62eb17fdfc577bfbda31b5d6fac3c7be&amp;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" ><span >关于增额终身寿，我把这些实话一次全告诉你</span></a></section><section ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&amp;mid=2247495728&amp;idx=1&amp;sn=b49631a09453b07c49527852adcff558&amp;chksm=cfb613b0f8c19aa60260bb367a3d5e3201c821a2a7002275c06b8efc552bf592c53d96701775&amp;scene=21#wechat_redirect" textvalue="一图了解【懂保爷】" linktype="text" imgurl="" imgdata="null" tab="innerlink"><span >一图了解【懂保爷】</span></a></section><section ><br /></section><section ><br /></section><section style="text-align: center"><span ><span >—&nbsp;</span><strong >END&nbsp;</strong><span >—</span></span></section><section ></mp-common-profile></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 >&nbsp; &nbsp;&nbsp;<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><p ></mp-style-type></p>