<section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvRMRQ8Ot4BB9nrCw1EicbYY3lJMPC5n8NEwOm04yG4OtkRLNkOJZSCeey71IM1UpXswicff1otoiaAJg%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26tp%3Dwebp%23imgIndex%3D0" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvRMRQ8Ot4BB9nrCw1EicbYY3lJMPC5n8NEwOm04yG4OtkRLNkOJZSCeey71IM1UpXswicff1otoiaAJg/640?wx_fmt=png&from=appmsg&wxfrom=5&wx_lazy=1&tp=webp#imgIndex=0" alt="懂保爷测评配图" loading="lazy" /></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span style="color: rgba(0, 0, 0, 0.9)"><span text >Hey，大家好，我是懂保爷资深产品测评师丽丽～</span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >很久没聊养老年金险了，</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >最近这段时间，</span></span><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span text >咨询养老规划的朋友还挺多。</span></span></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >尤其是40岁左右的人群，这个阶段，距离退休还有20多年，事业和收入基本稳定，也开始认真考虑一个问题：</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >未来退休以后，钱够不够花？</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >所以大家关心的问题也很简单：</span></span></p><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color:rgba(0, 0, 0, 0.9)"><span text >“市面上这么多养老年金产品，买哪一款？我</span></span><span style="color:rgba(0, 0, 0, 0.9)"><span text >每个月到底能领多少钱？</span></span><span style="color:rgba(0, 0, 0, 0.9)"><span text >”</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgba(0, 0, 0, 0.9)">所以今天，我把目前市场上几款</span><span text style="color: rgba(0, 0, 0, 0.9)">热度高，背后的保险公司实力不错、整体经营比较稳健</span><span text style="color: rgba(0, 0, 0, 0.9)">的养老金产品放在一起做个对比，分别是：</span></span></section><ul ><li style="color:#ebc900"><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(235, 201, 0)">中荷人寿-金生有约2.0</span></span></section></li><li style="color:#ebc900"><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(235, 201, 0)">长城人寿-</span><span text style="color: #ebc900">明爱金彩D款</span></span></section></li><li style="color:#ebc900"><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(235, 201, 0)">复星保德信-星海赢家火凤版</span></span></section></li><li style="color:#ebc900"><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(235, 201, 0)">复星保德信-星海赢家青鸾版</span></span></section></li><li style="color:#ebc900"><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(235, 201, 0)">恒安标准-幸福到老长寿2.0</span></span></section></li><li style="color:#ebc900"><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(235, 201, 0)">中邮人寿-乐享鑫年</span></span></section></li><li style="color:#ebc900"><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(235, 201, 0)">陆家嘴国泰-泰享年年</span></span></section></li></ul><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >测算条件统一为：</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong ><span style="color: rgba(0, 0, 0, 0.9)"><span text >40岁，女性，趸交100万，60岁开始领取养老金。</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >带大家看看怎么选。</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong ><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(136, 136, 136)">提前说明一下：</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color:rgba(0, 0, 0, 0.9)"><span text style="color: rgb(136, 136, 136)">明爱金彩D款、星海赢家青鸾版、幸福到老长寿2.0</span><span text style="color: rgb(136, 136, 136)">这三款产品</span><span text style="color: rgb(136, 136, 136)">都提供多个领取方案，不同方案领取的钱，还有现金价值等等都有区别。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color:rgba(0, 0, 0, 0.9)"><span text style="color: rgb(136, 136, 136)">我选的是市场上咨询比较多、兼顾领取和兜底保障的</span><span text style="color: rgb(136, 136, 136)">幸福到老保领20年、青鸾计划一、明爱金彩计划三</span><span text style="color: rgb(136, 136, 136)">。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(136, 136, 136)">不同方案适合不同需求，如果你想了解其他的方案，可以滑到文末找我单独测算。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><br /></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(64, 34, 15)">一</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >每年能领多少钱？</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >毕竟是为了补充养老收入，先看大最关心的</span><span text >领取金额</span><span text >：</span></span></strong></p><section style="text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXMBeALva0HjaANCjgaYxVs6EpThfZa4TPWeiaLYnjjfQRLVDeXbIVu2NnibjqebdeNzc6Cj6GSHBumxPBCxaZdR10xSnQeW9LyeM%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXMBeALva0HjaANCjgaYxVs6EpThfZa4TPWeiaLYnjjfQRLVDeXbIVu2NnibjqebdeNzc6Cj6GSHBumxPBCxaZdR10xSnQeW9LyeM/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><p style="color: rgba(0, 0, 0, 0.9); text-align: center"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(136, 136, 136)">（金额大小：红色>黄色>蓝色，下图均是）</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >先看保证领取：</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >星海赢家青鸾版（计划一）</span><span text style="color: rgb(235, 201, 0)">58360元</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >> </span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >明爱金彩D款（计划三）</span><span text style="color: rgb(235, 201, 0)">58000元</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text > > </span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >星海赢家火凤版</span><span text style="color: rgb(235, 201, 0)">56250元</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >> </span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >金生有约2.0</span><span text style="color: rgb(235, 201, 0)">54280元</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >> </span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >乐享鑫年</span><span text style="color: rgb(235, 201, 0)">53900元</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >> </span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >幸福到老长寿2.0</span><span text style="color: rgb(235, 201, 0)">51110元</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >></span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >泰享年年</span><span text style="color: rgb(235, 201, 0)">41499元</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >整体来看，除了泰享年年之外，其他几款产品的保证领取差距其实不算特别大，基本都在5万元以上，可以忽略不计。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >叠加分红以后，每款产品每年能领多少钱都不一样，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color:rgba(0, 0, 0, 0.9)"><span text >不过还是能看出</span><span text >明爱金彩D款计划三、星海赢家火凤和青鸾计划一</span><span text >整体领的多一点。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >我们直接看最直观的，</span><span text >长期累计下来，哪款产品能领得更多</span><span text >：</span></span></strong></p><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXPUiasKVweoAmuaFElhLMO0mJua7IMzuX36WsKeibhFPdiagcd9BTTibpZH287uwSTxiapBWrhliaPKsoqhFvIowicTSEVBwPq44Ge0ibg%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXPUiasKVweoAmuaFElhLMO0mJua7IMzuX36WsKeibhFPdiagcd9BTTibpZH287uwSTxiapBWrhliaPKsoqhFvIowicTSEVBwPq44Ge0ibg/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >先看65岁，也就是刚领养老金5年：</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >明爱金彩D款计划三</span><span text style="color: rgb(235, 201, 0)">464983元</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >> </span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >星海赢家青鸾版计划一</span><span text style="color: rgb(235, 201, 0)">464940元</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >> </span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >星海赢家火凤版</span><span text style="color: rgb(235, 201, 0)">445830元</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >> </span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >幸福到老长寿2.0 </span><span text style="color: rgb(235, 201, 0)">422816元</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >> </span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >金生有约2.0</span><span text style="color: rgb(235, 201, 0)">422327元</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >> </span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >乐享鑫年</span><span text style="color: rgb(235, 201, 0)">419810元</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >> </span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >泰享年年</span><span text style="color: rgb(235, 201, 0)">324760元</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >这个阶段其实差距还不算特别大，尤其明爱金彩D款和青鸾版，基本可以说是打平。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color:rgba(0, 0, 0, 0.9)"><span text >再把时间拉长到70岁：</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >明爱金彩D款计划三</span><span text style="color: rgb(235, 201, 0)">882658元</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >> </span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >星海赢家青鸾版计划一</span><span text style="color: rgb(235, 201, 0)">880410元</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >> </span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >星海赢家火凤版</span><span text style="color: rgb(235, 201, 0)">845820元</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >> </span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >幸福到老长寿2.0 </span><span text style="color: rgb(235, 201, 0)">802704元</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >> </span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >金生有约2.0</span><span text style="color: rgb(235, 201, 0)">798390元</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >> </span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >乐享鑫年</span><span text style="color: rgb(235, 201, 0)">794940元</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >> </span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >泰享年年</span><span text style="color: rgb(235, 201, 0)">615009元</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >到了这个时候，第一梯队和第二梯队的差距开始慢慢拉开。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color:rgba(0, 0, 0, 0.9)"><span text >继续看到80岁：</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >明爱金彩D款计划三</span><span text style="color: rgb(235, 201, 0)">181.2万</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >></span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >星海赢家青鸾版计划一</span><span text style="color: rgb(235, 201, 0)">179.6万</span><span text >></span></span></strong><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >星海赢家火凤版</span><span text style="color: rgb(235, 201, 0)">173.3万</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >></span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >幸福到老长寿2.0</span><span text style="color: rgb(235, 201, 0)">164.5万</span><span text >></span></span></strong><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >乐享鑫年</span><span text style="color: rgb(235, 201, 0)">162.3万</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >></span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >金生有约2.0</span><span text style="color: rgb(235, 201, 0)">162.2万</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >></span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >泰享年年</span><span text style="color: rgb(235, 201, 0)">125.5万</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >也就是说，领到80岁，明爱金彩D款和青鸾版已经累计领到</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >180万左右</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >，火凤版也超过了</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >173万，和后面的产品差距最高拉到了50多万</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color:rgba(0, 0, 0, 0.9)"><span text >如果继续领到90岁，差距会更加明显：</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >明爱金彩D款计划三</span><span text style="color: rgb(235, 201, 0)">288.7万</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >></span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >星海赢家青鸾版计划一</span><span text style="color: rgb(235, 201, 0)">284.2万</span><span text >></span></span></strong><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >星海赢家火凤版</span><span text style="color: rgb(235, 201, 0)">275.9万</span><span text >></span></span></strong><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >幸福到老长寿2.0</span><span text style="color: rgb(235, 201, 0)">261.1万</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >> </span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >乐享鑫年</span><span text style="color: rgb(235, 201, 0)">257万</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >> </span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >金生有约2.0</span><span text style="color: rgb(235, 201, 0)">255万</span><span text >></span></span></strong><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >泰享年年</span><span text style="color: rgb(235, 201, 0)">198.4万</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >到了90岁，排名基本还是</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >明爱金彩D款、</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >星海赢家青鸾版</span></span></strong></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >这2个产品领先。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >总之，目前这几款里面，</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >明爱金彩D款计划三、星海赢家青鸾版计划一</span><span text >属于是领取的第一梯队</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >，领取时间越长，累计领取金额的差距也会逐渐拉开。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >也就是说，如果你想多领点钱，可以重点看这两款。</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)"><br /></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(64, 34, 15)">二</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >急用钱，保单能退多少钱？</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >先说一下什么叫</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >现金价值</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >简单说，就是某一年我们把保单退掉，能从保险公司拿回来多少钱。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >但这里有个关键点：</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >只有我们真的退保，这笔钱才有意义。</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >如果我们一直领养老金，没有退保的打算，那现金价值其实没那么重要。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >所以正常情况下，买养老年金，</span></span><strong><span style="color:rgba(0, 0, 0, 0.9)"><span text >第一还是看未来能领多少钱，现金价值作为第二个指标，主要看这份保单中途够不够灵活</span><span text >。</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color:rgba(0, 0, 0, 0.9)"><span text >我们来看一下这几款产品的现金价值：</span></span></strong></p><section style="text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXPeOlZiaM3VGGlunMhZEOYrzggf18Gr5JTe4eNxdmZ0O6a68G7dKQvPtqdXIez13JKd5TfR8bW7VfiafticS73t5VVjQzYXCGOIHM%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXPeOlZiaM3VGGlunMhZEOYrzggf18Gr5JTe4eNxdmZ0O6a68G7dKQvPtqdXIez13JKd5TfR8bW7VfiafticS73t5VVjQzYXCGOIHM/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >先看</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >泰享年年</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >，它的现金价值可以一直维持到</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">104岁</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >，是这几款里持续时间最长的，现金价值整体</span></span><span style="color: rgba(0, 0, 0, 0.9)"><span text >也是</span></span><span style="color: rgba(0, 0, 0, 0.9)"><span text >最高的。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >这也比较有意思，前面看领取金额，它的表现是最差的，但现金价值留得比较久，</span></span><strong><span style="color:rgba(0, 0, 0, 0.9)"><span text >说明它的设计是</span><span text >牺牲了一部分养老金领取，换来了更长的现金价值</span><span text >。</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >再看复星保德信的</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >火凤版和青鸾版</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >，现金价值都可以持续到</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">90岁</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color:rgba(0, 0, 0, 0.9)"><span text >这两款前面的养老金领取表现也不错，所以</span><span text >在</span></span><strong><span style="color:rgba(0, 0, 0, 0.9)"><span text >领取金额和保单灵活性</span></span></strong><span style="color:rgba(0, 0, 0, 0.9)"><span text >之间，平衡得比较好</span><span text >。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >明爱金彩D款</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >的现金价值可以维持到</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">79岁</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >，</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >金生有约2.0和乐享鑫年</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >则可以维持到</span><span text style="color: rgb(235, 201, 0)">80岁</span><span text >，整体也都还可以。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >比较特殊的是</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >幸福到老长寿2.0</span></span></strong><span style="color:rgba(0, 0, 0, 0.9)"><span text >，</span><span text >一旦开始领取现金价值就归0了</span><span text >，灵活性稍微差点。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >不过如果把领取和现金价值放在一起看，我不会建议大家为了现金价值去牺牲养老金领取。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >所以综合前面的领取表现，再考虑现金价值，我更建议重点看长城的明爱金彩D款计划三和复保的星海赢家青鸾版计划一。</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color:rgba(0, 0, 0, 0.9)"><span text >这两款的</span><span text >养老金领取得最多，同时现金价值也能维持较长时间，中途想要退保也不担心</span><span text >，整体会更加均衡。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color:rgba(0, 0, 0, 0.9)"><br /></span></p><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(64, 34, 15)">三</span></span></strong></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >如果人没领几年就不在了，家里还能拿多少钱？</span></span></strong></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >养老年金还有一个很多人比较关心的问题：</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color:rgba(0, 0, 0, 0.9)"><span text >如果刚开始领养老金没几年，人就不在了，剩下的钱还能不能给家里？</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >这就要看产品的</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >身故责任</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >。</span></span></p><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >这几款产品其实都有相应的身故保障，只是具体规则不太一样，我就不一一展开说了。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)">我重点说一下前面梳理下来表现比较好的</span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >明爱金彩D款计划三和星海赢家青鸾版计划一。</span></span></strong></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color:rgba(0, 0, 0, 0.9)"><span text >都是保证领取20年，60岁开始领取养老金以后，如果</span><span text >在保证领取期间内身故，</span></span><strong><span style="color:rgba(0, 0, 0, 0.9)"><span text >剩余还没领完的保证领取部分，也会按照合同约定给到家人</span><span text >。</span></span></strong></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >所以不用太担心刚开始领养老金没几年，人不在了，之前交进去的钱会“打水漂”~</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><br /></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >最后总结一下，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >如果你想提前给自己准备一笔稳定的养老金，这次对比下来，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >我会更建议重点看</span><span text >长城人寿的明爱金彩D款和复星保德信星的海赢家青鸾版</span><span text >。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >这两款不管是</span></span><strong><span style="color:rgba(0, 0, 0, 0.9)"><span text >养老金领取，还是现金价值和身故责任</span></span></strong><span style="color:rgba(0, 0, 0, 0.9)"><span text >，整体表现都很不错</span><span text >，背后的保司背景实力也挺强的，完全靠谱。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >不过这里还有一个很重要的问题，</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >就是投保年龄。</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >明爱金彩D款和星海赢家青鸾版，</span><span text >最高投保年龄都是</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >55岁</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >如果年龄已经超过55岁，就买不了。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >建议看看剩下的几款，比如</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >星海赢家火凤版最高可以</span><span text >60岁投保</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >，年龄再大一些，还可以看看</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >幸福到老长寿2.0，最高</span><span text >69岁都可以买</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >，是这几款里面投保年龄最宽松的~</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span text >对产品感兴趣，或者想看看其他领取方案，</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >可以找我，我可以按照你的年龄、预算和领取需求，帮你单独规划一下养老金方案。</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text ><br /></span></span></strong></p><section style="color: rgba(0, 0, 0, 0.9); text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXOiciaKOQNW6lr0g6ibibFtmcnqPzGgBzHLIh6hz1uTiarcEYZKBvwGzrBGgfzwEtiawGRBeS9t2nfGb6AT4cibuu64dPLcmKbByKuva4%2F640%3Fwx_fmt%3Dother%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26tp%3Dwebp%23imgIndex%3D9" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXOiciaKOQNW6lr0g6ibibFtmcnqPzGgBzHLIh6hz1uTiarcEYZKBvwGzrBGgfzwEtiawGRBeS9t2nfGb6AT4cibuu64dPLcmKbByKuva4/640?wx_fmt=other&from=appmsg&wxfrom=5&wx_lazy=1&tp=webp#imgIndex=9" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><br /></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span >有空的话，前面几篇重要文章可能也值得一看：</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><a target="_blank" href="https://mp.weixin.qq.com/s?__biz=Mzg5Njk3MTA5Mg==&mid=2247504442&idx=1&sn=9526329a0da5adb2f168209685ac0688&scene=21#wechat_redirect" textvalue="随机测血糖，很多年轻人破防了" linktype="text">随机测血糖，很多年轻人破防了</a></span></span></section><section style="color: rgba(0, 0, 0, 0.9); 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