首款互联网养老年金险「太平e养添年」来了

<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" hasload="1" wah-hotarea="click" ><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FO95eeDepqTPaVYVPaFT8lv4icauXUkSfdNxiaS25VwkHvYBvicGVYtkBuxRVnyTBdibREhiaKyxAO6RNbRWiacicpMElw%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/O95eeDepqTPaVYVPaFT8lv4icauXUkSfdNxiaS25VwkHvYBvicGVYtkBuxRVnyTBdibREhiaKyxAO6RNbRWiacicpMElw/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 >去年理财险（增额寿、养老金）<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&amp;mid=2247491585&amp;idx=1&amp;sn=8c6fcf0886d96b5cbcde21b2415e786f&amp;chksm=cfb60381f8c18a978166eae35547a4dd2d86f555763c832526dde691394ed11b3099781a65de&amp;scene=21#wechat_redirect" textvalue="大洗牌" linktype="text" imgurl="" imgdata="null" tab="innerlink">大洗牌</a>后，</span></section><section ><br /></section><section ><span ><span >在互</span><span >联网</span>渠道拥有销售养老金资格的保险公司，只剩下20家左右。</span></section><section ><span ><br /></span></section><section ><span >就在大家猜测哪一家会先下场时，<strong>太平人寿</strong>悄悄拔了头筹。</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 >身为保险业四大副部级央企之一（另外3个是中国人寿、中国人保、中国信保），太平人寿背景可谓“根正苗红”。<br /></span></section><section ><span ><br /></span></section><section ><span >这回上线的首款互联网养老年金险名叫<strong>e养添年</strong>，备案</span><span >名是</span><em><span >太平e养添年养老年金保险（互联网专属）</span></em><span >。</span></section><section ><span ><br /></span></section><section ><span >产品详情如下：</span><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%2FO95eeDepqTMQicoLKxHX7yDwz4cXL39VWx8LhHs9PAbuqApEnMZuvldV0tbU2iaiaiaPpt1Bv48oc0CGW3G9Azf3nA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTMQicoLKxHX7yDwz4cXL39VWx8LhHs9PAbuqApEnMZuvldV0tbU2iaiaiaPpt1Bv48oc0CGW3G9Azf3nA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section ><br /></section><section ><span >撇开产品规则，e养添年重点在于<strong >「保证</strong><strong >领取</strong><strong >」</strong><span >、</span><strong >「</strong><strong >身故责任</strong><strong ><strong >」</strong>和<strong ><strong >「养老社区</strong><strong ><strong >」</strong></strong>。</strong></strong></span></section><section ><span ><strong ><strong ><br /></strong></strong></span></section><section ><span >先是<strong >「保证</strong><strong >领取</strong><strong >」</strong>，<span >e养添年</span>可以保证领取至<strong>80岁</strong>，</span><span ></span><span >和目前第一推荐的养老金</span><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&amp;mid=2247493015&amp;idx=1&amp;sn=5ce39da8064fae1b5ffe6f4d2b61691a&amp;chksm=cfb60617f8c18f019e499760c1a9923229416ffdb36134dc2f9df47320e1e92d3e0e14bcc6da&amp;scene=21#wechat_redirect" textvalue="百岁人生（福享版）" linktype="text" imgurl="" imgdata="null" tab="innerlink">百岁人生（福享版）</a></span><span >一致。</span></section><section ><br /></section><section ><span >举个例子，</span><span >假设张女士投入</span><span >1</span><span >0</span><span >万买了<span >e养添年</span></span><span >。</span></section><section ><br /></section><section ><span >60岁后每年可领2万养老金，要是领5年后身故，那么保险公司会把剩下15年保证领取的钱（2万*15年=30万）一次性给到张女士的家人。</span></section><section ><br /></section><section ><span >另一个<strong >「</strong><strong >身故责任<strong ><strong >」</strong></strong></strong>，得分情况：</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 >未满80岁，还在保证领取期内，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（前面有举例）；</span></p></li><li ><p ><span >已满80岁，身故保险金就没了。</span></p></li></ul><section ><br /></section><section ><span >此外，<span >e养添年</span>还有个特殊权益<strong ><strong ><strong >「养老社区</strong><strong ><strong >」</strong></strong></strong></strong>：</span><span >总保费</span><span >≥</span><span >120万</span><span >可</span><span >获取太平</span><span >养老社区入住资格</span><span >。</span></section><section ><span ><br /></span></section><section ><span >这是一般养老年金险没有的，因为养老社区太烧钱了，只有大公司负担得起，</span></section><section ><span ><br /></span></section><section ><span >之前推荐的养老金中，也只有光大永明人寿的光明慧选可对接养老社区权益。</span></section><section ><span ><br /></span></section><section ><span >以上就是<span >e养添年</span>的全部保障内容了，了解这些后，接着来看它的收益情况。</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%2FO95eeDepqTMQicoLKxHX7yDwz4cXL39VW7wibls39UlugFSqpvhYDSoyKRoribIGmEajNAIvysK9LicXZDrBrF9jYw%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTMQicoLKxHX7yDwz4cXL39VW7wibls39UlugFSqpvhYDSoyKRoribIGmEajNAIvysK9LicXZDrBrF9jYw/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%2FO95eeDepqTMQicoLKxHX7yDwz4cXL39VWvjOJK4ciaS8IX21WTZkYwoibRPk1kicVNPzquNO5uRu36qt36IhyUSTQQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTMQicoLKxHX7yDwz4cXL39VWvjOJK4ciaS8IX21WTZkYwoibRPk1kicVNPzquNO5uRu36qt36IhyUSTQQ/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 >再结合养老年金险的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；&nbsp;</span></strong></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（例如保证领取20年），可以把还未领到的保证领取金额给到保单受益人。</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 ><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 ><br /></section><section ><span >明显，</span><span >光大永明</span><strong >光明慧选</strong><span >和爱心</span><strong >百岁人生（福享版）</strong><span >是兼顾了3个挑选因素且都做的很优秀的2款：</span></section><section ><br /></section><ul ><li ><p ><span >1、年金领取金额高，是第一梯队；</span></p></li><li ><p ><span >2、有保证领取，万一领个几年就身故了，会把剩下的保证领取金额一次性给到家人；</span></p></li><li ><p ><span >3、保单有不低的现金价值（其中百岁人生更是终身都有），万一急用钱不想持有了，可以退保拿到保单的现金价值。</span></p></li></ul><p ><br /></p><p ><span >而<span >e养添年除了有保证领取，</span>年金领取较低，现金价值在开始领取养老金时就会归零，<strong>3个挑选要素只有一项占优</strong>。</span></p><p ><span ><br /></span></p><p ><span >因此，</span><strong ><span style="text-align: left">光明慧选、百岁人生（福享</span><span style="text-align: left">版</span><span style="text-align: left">）仍然是大家养老年金险的首选！</span></strong></p><p ><br /></p><section ><span style="text-align: left">具体选哪个视具体情况而定，收益差不多，光明慧选是大公司承保，可对接光大养老社区权益；</span></section><section ><span style="text-align: left"><br /></span></section><section ><span style="text-align: left">百岁人生终身有现金价值，且最长能保证领取25年。</span></section><section ><span style="text-align: left"><br /></span></section><p ><span style="color: rgb(33, 89, 103)">购买入口：</span></p><p ><br /></p><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTMQicoLKxHX7yDwz4cXL39VWA6eR9LREZkgRg4unYZjbOPaNgZben96Wic5wGdooCkNdEGbkMqtCkXA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTMQicoLKxHX7yDwz4cXL39VWA6eR9LREZkgRg4unYZjbOPaNgZben96Wic5wGdooCkNdEGbkMqtCkXA/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)">长按识别二维码投保百岁人生</span></section><section ><span style="text-align: left"><br /></span></section><p ><span style="color: rgb(255, 0, 0)">光明慧选购买链接可添加助理微信获取：dongbaoye888</span></p><p ><span style="color: rgb(255, 0, 0)"><br /></span></p><p ><span style="text-align: left">至于e养添年，有“<span style="text-align: left">太平人寿</span>”和<span style="text-align: left">“互联网专属</span><span style="text-align: left">”加持，在养老年金险领域，仍有一席之地。</span></span></p><p ><span style="text-align: left"><span style="text-align: left"><br /></span></span></p><p ><span style="text-align: left"><span style="text-align: left">看重太平养老社区（120万的保费门槛相对来说不算高），或者纠结投保地区的朋友，可以考虑。</span></span></p><p ><br /></p><p ><span style="color: rgb(33, 89, 103)"><strong ><span >最后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%2FO95eeDepqTPkZ2vLqeAIb03aWQLRg8gfEpTHelj4fPwibvceJlIKd6tabuLS5aib6tzb6wOWSDtqZllQxuTSTDmA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTPkZ2vLqeAIb03aWQLRg8gfEpTHelj4fPwibvceJlIKd6tabuLS5aib6tzb6wOWSDtqZllQxuTSTDmA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><p ><span ><br /></span></p><p ><span >注意，在高收益理财险退出互联网渠道后，</span><br /></p><p ><span ><br /></span></p><p ><span >光明慧选、百岁人生现在都是线下渠道产品，</span><span style="text-align: left">购买流程比之前复杂很多，建议大家添加我团队1对1专属老师协助购买。</span></p><p ><br /></p><section ><strong ><span style="color: rgba(0, 0, 0, 0.9); text-align: start">有疑问，可以加我助理小琳微信</span><strong style="color: rgb(0, 0, 0)"><span >：</span></strong></strong><strong style="color: rgb(0, 0, 0)"><span >dongbaoye888</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 ><br /></section><section ><strong><span >养老年金险评测：</span></strong><span ></span><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&amp;mid=2247493015&amp;idx=1&amp;sn=5ce39da8064fae1b5ffe6f4d2b61691a&amp;chksm=cfb60617f8c18f019e499760c1a9923229416ffdb36134dc2f9df47320e1e92d3e0e14bcc6da&amp;scene=21#wechat_redirect" textvalue="养老年金险排行榜，这款最值得买" linktype="text" imgurl="" imgdata="null" tab="innerlink" ><span >养老年金险排行榜，这款最值得买</span></a><br /></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==&amp;mid=2247491843&amp;idx=1&amp;sn=16e0e630e4d56a4d90b9d89b4d861266&amp;chksm=cfb60283f8c18b951f7f7f080e0bb9faffc8bffb997cbf489f2de6f686784e18aebcf8f22d83&amp;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==&amp;mid=2247491349&amp;idx=1&amp;sn=4b3121f1d2898a00367c17d63566bc32&amp;chksm=cfb5fc95f8c275835f72aab9b8dd4bb1b9e5a38711d8a011019a1eb3d08057607c4dbf870720&amp;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><br /></section><section ><br /></section><section ><strong ><span >怎么选理财险：</span></strong><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MzIzMzIzNTk4Mg==&amp;mid=2247484196&amp;idx=1&amp;sn=e5b4f7bd19fc5008eac7f634ddcccba5&amp;chksm=e889f045dffe7953bb7c6791cbbfa37919a692f43281323d11d0ab583f484db042b57ff8100d&amp;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></section><section ><strong ><span >增额寿险评测：<a target="_blank" href="https://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&amp;mid=2247493186&amp;idx=1&amp;sn=cd505495199caa6c08b5419298e7493a&amp;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="https://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&amp;mid=2247493186&amp;idx=1&amp;sn=cd505495199caa6c08b5419298e7493a&amp;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="https://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&amp;mid=2247493186&amp;idx=1&amp;sn=cd505495199caa6c08b5419298e7493a&amp;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 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