<section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZAS5eJz31YQe4nhr4FBGeELvKeicp01H5vM1RicjlkrLhmpld40BjkaJtBqevO55A6Evv8BNKTNtAug%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZAS5eJz31YQe4nhr4FBGeELvKeicp01H5vM1RicjlkrLhmpld40BjkaJtBqevO55A6Evv8BNKTNtAug/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><span >封闭期也就是现金价值超过已交保费的时间，之前写过这是</span><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247493057&idx=1&sn=782199286337c5e345232721b391febc&chksm=cfb60641f8c18f575bc28c3a4235a54561d3ddfe5b3b0ea768cc4a898e9c1c08b6b5ee810fa0&scene=21#wechat_redirect" textvalue="增额寿的唯一缺点" linktype="text" imgurl="" imgdata="null" tab="innerlink">增额寿的唯一缺点</a></span></section><section ><span >大多对资金规划不明确的朋友都会尽可能的选择封闭期短一些的增额寿，</span></section><section ><span >万一哪天急用钱，不至于到手比当初交的保费还低！</span></section><section ><span style="color: rgb(0, 0, 0)">今天我给大家挑选了趸交、3年/5年这三个缴费期下，市面封闭期超短、保险利益还不错的一些产品进行对比。</span></section><section ><span >有这块需求的朋友可得仔细看了。</span></section><section ><section style="text-align: center" powered-by="xiumi.us"><section ><section powered-by="xiumi.us"><section ><section style="text-align: left" powered-by="xiumi.us"><section ><section powered-by="xiumi.us"><section style="text-align: center"><section ><section style="text-align: justify" powered-by="xiumi.us"><p ><br /></p></section></section></section></section></section><section ><section powered-by="xiumi.us"><section style="text-align: center"><section ><section style="text-align: justify" powered-by="xiumi.us"><p ><br /></p></section></section></section></section></section><section ><section powered-by="xiumi.us"><section style="text-align: center"><section ><section style="text-align: justify" powered-by="xiumi.us"><p ><br /></p></section></section></section></section></section></section></section><section ><section style="text-align: justify; color: rgb(69, 107, 176)" powered-by="xiumi.us"><p ><strong >趸交</strong></p></section></section><section ><section powered-by="xiumi.us"><section style="text-align: left"><section ><section powered-by="xiumi.us"><section style="text-align: center"><section ><section style="text-align: justify" powered-by="xiumi.us"><p ><br /></p></section></section></section></section></section><section ><section powered-by="xiumi.us"><section style="text-align: center"><section ><section style="text-align: justify" powered-by="xiumi.us"><p ><br /></p></section></section></section></section></section><section ><section powered-by="xiumi.us"><section style="text-align: center"><section ><section style="text-align: justify" powered-by="xiumi.us"><p ><br /></p></section></section></section></section></section></section></section></section></section></section></section></section><section ><span >通常认为，趸交（一次交清）时，封闭期在<strong>4年以下</strong>就算是非常不错的了！</span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZCc45RzhQRicgBiceRI1NJCxbr4hMa37YlRjrryPyh8OQ8ibtyMAvN4NZFVvXny82m4sEcyjA32ZFdrQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZCc45RzhQRicgBiceRI1NJCxbr4hMa37YlRjrryPyh8OQ8ibtyMAvN4NZFVvXny82m4sEcyjA32ZFdrQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><span >明显，当前趸交封闭期超短的产品里，</span></section><section ><span >最牛的是<strong>中意人寿-永续我爱（尊享版）</strong>，封闭期短至2年！</span></section><section ><span >第1年买，第2年末现金价值就超过已交保费了，只是后期现金价值表现一般。</span></section><section ><span >要是想兼顾下保单利益，<strong>富德生命-瑞祥人生</strong>可能更合适。</span></section><section ><span >封闭期略长，需要4年结束，可现金价值增长速度快，第7年以后就达到了市面第一梯队的水准。</span></section><section ><span style="color: rgb(34, 101, 193)">如果想追求极致的封闭期，牺牲一些保单利益，可以选择永续我爱（尊享版）。</span></section><section ><span style="color: rgb(34, 101, 193)">否则还是现价更高的瑞祥人生会更好，可以重点考虑！<br /></span></section><section ><span >此外，还有封闭期3年，现金价值表现还不错的弘运连连和传世尊享可以备选。</span></section><section ><section style="text-align: center" powered-by="xiumi.us"><section ><section powered-by="xiumi.us"><section ><section style="text-align: left" powered-by="xiumi.us"><section ><section powered-by="xiumi.us"><section style="text-align: center"><section ><section style="text-align: justify" powered-by="xiumi.us"><p ><br /></p></section></section></section></section></section><section ><section powered-by="xiumi.us"><section style="text-align: center"><section ><section style="text-align: justify" powered-by="xiumi.us"><p ><br /></p></section></section></section></section></section><section ><section powered-by="xiumi.us"><section style="text-align: center"><section ><section style="text-align: justify" powered-by="xiumi.us"><p ><br /></p></section></section></section></section></section></section></section><section ><section style="text-align: justify; color: rgb(69, 107, 176)" powered-by="xiumi.us"><p ><strong >3年交</strong></p></section></section><section ><section powered-by="xiumi.us"><section style="text-align: left"><section ><section powered-by="xiumi.us"><section style="text-align: center"><section ><section style="text-align: justify" powered-by="xiumi.us"><p ><br /></p></section></section></section></section></section><section ><section powered-by="xiumi.us"><section style="text-align: center"><section ><section style="text-align: justify" powered-by="xiumi.us"><p ><br /></p></section></section></section></section></section><section ><section powered-by="xiumi.us"><section style="text-align: center"><section ><section style="text-align: justify" powered-by="xiumi.us"><p ><br /></p></section></section></section></section></section></section></section></section></section></section></section></section><p ><span >再来看看3年交，封闭期短正常是指<strong>5年以内</strong>结束封闭期的产品。</span></p><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZCc45RzhQRicgBiceRI1NJCxbPXiaicKtBz27asf6Oia95RasibQ2zAJiaR4MYyku7qkdmtlJX4ic4jJiavQRQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZCc45RzhQRicgBiceRI1NJCxbPXiaicKtBz27asf6Oia95RasibQ2zAJiaR4MYyku7qkdmtlJX4ic4jJiavQRQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><span >这些产品中，有两款（<strong>弘运连连、美好人生</strong>）都是3年结束封闭期！</span></section><section ><span >相当于钱交完那一年，现金价值就超过保费了。</span><br /></section><section ><span >但和趸交的永续我爱一个毛病，后续增长疲软，结束封闭期后数据表现乏善可陈。</span></section><section >想要保单利益高的，<strong><span style="color: rgb(0, 0, 0)">上海人寿-臻鑫传家</span></strong><span style="color: rgb(0, 0, 0)">和<strong>昆仑健康-岁享金生</strong>都还可以。</span><br /></section><section ><span style="color: rgb(0, 0, 0)">5年结束封闭期，远比大多数增额寿封闭期要短，保单利益也是市面一流水平。</span></section><section ><span style="color: rgb(0, 0, 0)">因此，结论和趸交时一样：</span></section><section ><span style="color: rgb(34, 101, 193)">如果想追求极致的封闭期，牺牲一些保单利益，可以选择弘运连连或美好人生。</span></section><section ><span style="color: rgb(34, 101, 193)">能接受封闭期晚两年的，臻鑫传家和岁享金生<span >保单利益更高</span>！</span></section><p ><span style="color: rgb(0, 0, 0)">至于趸交无敌的永续我爱（尊享版），3年交需要4年才能结束封闭期，保单利益表现也较差，不用首选了！</span></p><section ><section style="text-align: center" powered-by="xiumi.us"><section ><section powered-by="xiumi.us"><section ><section style="text-align: left" powered-by="xiumi.us"><section ><section powered-by="xiumi.us"><section style="text-align: center"><section ><section style="text-align: justify" powered-by="xiumi.us"><p ><br /></p></section></section></section></section></section><section ><section powered-by="xiumi.us"><section style="text-align: center"><section ><section style="text-align: justify" powered-by="xiumi.us"><p ><br /></p></section></section></section></section></section><section ><section powered-by="xiumi.us"><section style="text-align: center"><section ><section style="text-align: justify" powered-by="xiumi.us"><p ><br /></p></section></section></section></section></section></section></section><section ><section style="text-align: justify; color: rgb(69, 107, 176)" powered-by="xiumi.us"><p ><strong><span style="color: rgb(34, 101, 193)">5年交</span></strong><br /></p></section></section><section ><section powered-by="xiumi.us"><section style="text-align: left"><section ><section powered-by="xiumi.us"><section style="text-align: center"><section ><section style="text-align: justify" powered-by="xiumi.us"><p ><br /></p></section></section></section></section></section><section ><section powered-by="xiumi.us"><section style="text-align: center"><section ><section style="text-align: justify" powered-by="xiumi.us"><p ><br /></p></section></section></section></section></section><section ><section powered-by="xiumi.us"><section style="text-align: center"><section ><section style="text-align: justify" powered-by="xiumi.us"><p ><br /></p></section></section></section></section></section></section></section></section></section></section></section></section><p ><span style="color: rgb(0, 0, 0)">5年期缴费，封闭期<strong>6年以内</strong>都算超短！</span></p><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZCc45RzhQRicgBiceRI1NJCxbdJWTYlKCTRCt2DZw4el9zicYXfqYticJq40taLu6N1NMRIfyKKt8zqAg%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZCc45RzhQRicgBiceRI1NJCxbdJWTYlKCTRCt2DZw4el9zicYXfqYticJq40taLu6N1NMRIfyKKt8zqAg/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><span >以上几款产品中，目前最牛的是<strong>瑞祥人生和岁享金生</strong>。</span></section><section ><span >前者6年结束封闭期，现金价值数据最优；</span></section><section ><span >后者早一年，交完钱那年就结束封闭期，保单利益仅次于瑞祥人生。<br /></span></section><section ><span >另外，5年交由于时间较久，已经不存在前两个缴费期极致封闭期和保单利益不能兼得的情况了。</span></section><section ><span >永续我爱、弘运连连这种产品，无论封闭期还是现金价值，都不能和其他产品拉开差距。</span></section><section ><span >例如，</span></section><section ><span >保单第10年，永续我爱与现金价值最高的岁享金生相差2.36万。</span></section><section ><span >保单第20年，与现金价值最高的瑞祥人生相差3.43万。<br /></span></section><section ><span >保单第30年，与现金价值最高的瑞祥人生相差5.12万。<br /></span></section><section ><span style="color: rgb(34, 101, 193)">通常情况下，明显瑞祥人生和岁享金生更值得选择。</span></section><section ><span >这俩真要比起来，岁享金生不仅早一年结束封闭期，前10年保单利益也比瑞祥人生要高。</span></section><section ><span >如果不确定短期内会不会急用钱，岁享金生会更有优势一些。<br /></span></section><section ><span >不在乎的话，当然<span >就更推荐</span>富德生命的瑞祥人生了。</span></section><section ><section style="text-align: center" powered-by="xiumi.us"><section ><section powered-by="xiumi.us"><section ><section style="text-align: left" powered-by="xiumi.us"><section ><section powered-by="xiumi.us"><section style="text-align: center"><section ><section style="text-align: justify" powered-by="xiumi.us"><p ><br /></p></section></section></section></section></section><section ><section powered-by="xiumi.us"><section style="text-align: center"><section ><section style="text-align: justify" powered-by="xiumi.us"><p ><br /></p></section></section></section></section></section><section ><section powered-by="xiumi.us"><section style="text-align: center"><section ><section style="text-align: justify" powered-by="xiumi.us"><p ><br /></p></section></section></section></section></section></section></section><section ><section style="text-align: justify; color: rgb(69, 107, 176)" powered-by="xiumi.us"><p ><span ><strong >总结<br /></strong></span></p></section></section><section ><section powered-by="xiumi.us"><section style="text-align: left"><section ><section powered-by="xiumi.us"><section style="text-align: center"><section ><section style="text-align: justify" powered-by="xiumi.us"><p ><br /></p></section></section></section></section></section><section ><section powered-by="xiumi.us"><section style="text-align: center"><section ><section style="text-align: justify" powered-by="xiumi.us"><p ><br /></p></section></section></section></section></section><section ><section powered-by="xiumi.us"><section style="text-align: center"><section ><section style="text-align: justify" powered-by="xiumi.us"><p ><br /></p></section></section></section></section></section></section></section></section></section></section></section></section><p ><span >综上所述，<br /></span></p><p ><span >趸交和3年交下：<br /></span></p><p ><span style="color: rgb(34, 101, 193)">如果想追求极致的封闭期，趸交下的永续我爱，3年交下的弘运连连等显然都是“优等生”！<br /></span></p><p ><span style="color: rgb(34, 101, 193)">但如若还想兼顾保单利益，趸交下选择瑞祥人生，以及3年交下的选择臻鑫传家和岁享金生会更有优势！</span></p><p ><span >5年缴费期下，可以“鱼”和“熊掌”两者兼得，</span></p><p ><span style="color: rgb(34, 101, 193)">所以，瑞祥人生和岁享金生更值得考虑。</span></p><p ><span >此外，小鱼儿想说~</span></p><p ><span >绝大多数短封闭期的增额产品，后期保单利益不是很高。</span></p><p ><span >不是真有超短封闭期的需求，牺牲保单利益明显是不值当的。</span></p><p ><span >毕竟现金价值才是增额终身寿的核心。</span></p><p ><span style="color: rgba(0, 0, 0, 0.9)">作为一笔重要的家庭资产投入，终归还是要根据自身的实际情况慎重考虑，从众在这个领域行不通。</span></p><section ><strong ><span >往期阅读回顾：</span></strong><span ><br /></span></section><section ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MzA4NTkwNTE0Mg==&mid=2247489393&idx=1&sn=babbbb46b422898e392003aee861eaf2&chksm=9fd18ce8a8a605fe6a970e3aaada5129792b890e26a1a352eb48ee93bf08287ef4eb3ab59bd4&scene=21#wechat_redirect" textvalue="“宇宙第一大行”卖的增额寿，是啥水平？" linktype="text" imgurl="" imgdata="null" tab="innerlink" hasload="1" style="color: var(--weui-LINK)">“宇宙第一大行”卖的增额寿，是啥水平？</a></section><section ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MzA4NTkwNTE0Mg==&mid=2247489348&idx=1&sn=d76297c3e66aae2afbf9e0d15e17a82f&chksm=9fd18cdda8a605cb611bd2cee4b230d838907541da4804d58863946bc34b3a9350f10777d892&scene=21#wechat_redirect" textvalue="大公司好产品，这些值得推荐" linktype="text" imgurl="" imgdata="null" tab="innerlink" hasload="1" style="color: var(--weui-LINK)">大公司好产品，这些值得推荐</a></section><section ><br /></section><p ><strong ><span >如果还有疑问，欢迎扫描下方二维码找我团队专业规划老师，免费咨询~</span></strong></p><section ><section style="color: rgb(34, 101, 193)" powered-by="xiumi.us"><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FO95eeDepqTO1KmSN6nDROWblhVFxxYXzKuynrkK6HnMe0ichpzQyyQr6Wnic6m0udMzOsG4pr5G5uH1r2Rg0QmWg%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/O95eeDepqTO1KmSN6nDROWblhVFxxYXzKuynrkK6HnMe0ichpzQyyQr6Wnic6m0udMzOsG4pr5G5uH1r2Rg0QmWg/640?wx_fmt=gif" alt="懂保爷测评配图" loading="lazy" /></p></section></section><p ></mp-style-type></p>
