<section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZAq68y11iaU5C9jqFH0PYZAxtMnPicswtjFG2Ah9Kc430wazlByia9P2RJ02Prp7POPhfAnEIicbS3WXw%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZAq68y11iaU5C9jqFH0PYZAxtMnPicswtjFG2Ah9Kc430wazlByia9P2RJ02Prp7POPhfAnEIicbS3WXw/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><p ><span >有些了解的朋友想必都知道银行也是保险销售的重要渠道。</span></p><p ><span >而且现在利率下行，银行理财打破了刚性兑付，银行卖增额寿似乎也成了常态。</span></p><p ><span >增额终身寿的优点不用多说，锁定终身利率、灵活性好、安全稳定以及可以满足多种资产规划需求等等。</span></p><p ><span >那么今天就来一起看看“宇宙第一大行”——<strong>中国工商银行（ICBC）</strong>卖的增额终身寿，真实水平是啥样？</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 >01</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 >今天参与测评的有11款在工行热销的增额终身寿，产品名单如下：</span><br /></p><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZBhchicicyzQcVF9lFwb9JNvgHA2wicFbykyUZWVuk6UsVtZlMZra3eia3PWtqZk9oFvgX4Ixbpz43gKw%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZBhchicicyzQcVF9lFwb9JNvgHA2wicFbykyUZWVuk6UsVtZlMZra3eia3PWtqZk9oFvgX4Ixbpz43gKw/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><span >其中出镜率较高的<strong>工银安盛人</strong><strong>寿（</strong><strong>ICBC-AXA</strong></span><strong >）</strong><span >是工商银行的“亲儿子”，</span></section><section ><span >由中国工商银行控股（持股60%）。</span></section><section ><span >其他保险公司还有，“老七家”中的平安和新华，以及阳光、华夏、大家、富德生命等。</span></section><section ><span >下面回到产品本身，</span></section><section ><span >通过选取一个市面上的第一梯队的增额寿产品来作为参照组，</span></section><section ><span >来看看常规的4种缴费方式：趸交、3/5/10年交下这些工行代销产品的真实情况！</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><span >02</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(34, 101, 193)"><strong>1、趸交</strong></span></p><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZBhchicicyzQcVF9lFwb9JNvg55I2Fz0FHvib6kaDyfQfwPqS3Pia2vxyeakFDLzdj9yW13e9MAh6Qz3g%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZBhchicicyzQcVF9lFwb9JNvg55I2Fz0FHvib6kaDyfQfwPqS3Pia2vxyeakFDLzdj9yW13e9MAh6Qz3g/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><p ><span style="color: rgb(0, 0, 0)">富德生命人寿-如意金典和百年人寿-鑫爱人生不支持趸交，暂且不提。</span><br /></p><p ><span style="color: rgb(0, 0, 0)">剩余9款当中，全周期综合现金价值排名前3的分别是：<br /></span></p><p ><span style="color: rgb(34, 101, 193)"><strong><span >大家-久久（尊享版）＞华夏-南山松（鑫享版）＞工银安盛-鑫禧如意；</span></strong></span></p><p ><span style="color: rgb(0, 0, 0)">其中，鑫禧如意封闭期短至3年！</span></p><p ><span style="color: rgb(0, 0, 0)">第3年末现金价值就已经超过已交保费了，速度非常快！</span></p><p ><span style="color: rgb(0, 0, 0)">大家-久久（尊享版）和华夏-南山松（鑫享版）封闭期5年，</span></p><p ><span style="color: rgb(0, 0, 0)">虽然相比鑫禧如意略长一些，但是后期现金价值表现更好。<br /></span></p><p ><span style="color: rgb(0, 0, 0)">尤其是久久（尊享版），第9年以后现金价值就到达top1！<br /></span></p><p ><span style="color: rgb(0, 0, 0)">而鑫如意六号、盈满金生和臻鑫倍致整体表现最差！</span></p><p ><span style="color: rgb(34, 101, 193)"><strong><span >2、三年缴费期</span></strong></span></p><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZBhchicicyzQcVF9lFwb9JNvgezZhjDWoUcEGic26HsC2lJ9abibP4A90moic9GTolXjdzeslNKaJkZ1Iw%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZBhchicicyzQcVF9lFwb9JNvgezZhjDWoUcEGic26HsC2lJ9abibP4A90moic9GTolXjdzeslNKaJkZ1Iw/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><p ><span style="color: rgb(0, 0, 0)">3年交下，和趸交情况相似。<br /></span></p><p ><span style="color: rgb(0, 0, 0)">久久（尊享版）和南山松（鑫享版）依然稳居前二，只是第三发生了变化：</span></p><p ><span style="color: rgb(34, 101, 193)"><strong><span >大家-久久（尊享版）＞华夏-南山松（鑫享版）＞国华-传家福（尊享版）；</span></strong></span><span style="color: rgb(0, 0, 0)"><br /></span></p><p ><span style="color: rgb(0, 0, 0)">南山松（鑫享版）前期收益一骑绝尘，但是第10年后很快被久久（尊享版）反超。</span></p><p ><span style="color: rgb(0, 0, 0)">而趸交下表现还不错的工银安盛-鑫禧如意3年交下整体表现一般，</span></p><p ><span style="color: rgb(0, 0, 0)">新加入的富德生命人寿-如意金典直接垫底，整个周期内表现最差。</span></p><p ><span style="color: rgb(0, 0, 0)">工银安盛的三款产品也都无缘前三。<br /></span></p><section ><strong><span style="color: rgb(34, 101, 193)">3、五年缴费期</span></strong></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZBhchicicyzQcVF9lFwb9JNvgn2Bibu9cIlTCgwQOZMZXicGMT54vnOuyZkVyzTakBaKUgpPKowWyJepg%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZBhchicicyzQcVF9lFwb9JNvgn2Bibu9cIlTCgwQOZMZXicGMT54vnOuyZkVyzTakBaKUgpPKowWyJepg/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><p ><span style="color: rgb(0, 0, 0)">5年交下，前二依旧稳定发挥，</span></p><p ><span style="color: rgb(0, 0, 0)">只是老三又换成了百年人寿的鑫爱人生：<br /></span></p><p ><span style="color: rgb(34, 101, 193)"><strong><span >大家-久久（尊享版）＞华夏-南山松（鑫享版）＞百年-鑫爱人生；</span></strong></span><span style="color: rgb(0, 0, 0)"><br /></span></p><p ><span ><span style="color: rgb(0, 0, 0)">而3年交下表现不错传家福（尊享版）5年交下比较平庸。</span><strong><span style="color: rgb(0, 0, 0)"><br /></span></strong></span></p><p ><span style="color: rgb(0, 0, 0)">表现比较差的仍然是那几款。<br /></span></p><p ><span style="color: rgb(34, 101, 193)"><strong><span >4、十年缴费期</span></strong></span></p><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZBhchicicyzQcVF9lFwb9JNvgrLSUrRLahCsE7R2pc3KaU7ic4e64mmrxup2avHoibAsvtsicgxA8u8zDg%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZBhchicicyzQcVF9lFwb9JNvgrLSUrRLahCsE7R2pc3KaU7ic4e64mmrxup2avHoibAsvtsicgxA8u8zDg/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><span style="color: rgb(0, 0, 0)">10年交下，大家-久久（尊享版）一点都没让人失望，中后期现金价值依旧top1。</span></section><section ><span style="color: rgb(0, 0, 0)">老二、老三则又更新了：</span></section><section ><span ><span style="color: rgb(34, 101, 193)"><strong><span >大家-久久（尊享版）＞百年-鑫爱人生＞国华-传家福（尊享版）；</span></strong></span><span style="color: rgb(0, 0, 0)"><br /></span></span></section><p ><span style="color: rgb(0, 0, 0)">前三个缴费期下一直表现不错的华夏-南山松（鑫享版）10年交下表现一般。<br /></span></p><p ><span style="color: rgb(0, 0, 0)">鑫爱人生和传家福（尊享版）相比，</span></p><p ><span style="color: rgb(0, 0, 0)">传家福（尊享版）前期表现尚可，但后期不如鑫爱人生。</span></p><section >垫底产品依旧。<br /></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><span >03</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 >比来比去，</span></p><p ><span >这几个缴费期下，大家-久久（尊享版）中后期表现都是top1。</span></p><p ><span >华夏-南山松（鑫享版）除了十年缴费期下一般，前3个缴费期下也很有优势！</span></p><p ><span >就这11款热销产品来看，工行的增额寿产品流动性强，现金价值超过保费的速度比较快，封闭期最短的有3年。</span></p><p ><span >当然，这是工行内部产品的相互对比，</span></p><p ><span >为了能够深度的了解工行的增额寿水平，还需放眼市场，横向对比。</span></p><p ><span >我们选一个市面上顶流的增额寿产品作为参照。<br /></span></p><p ><span style="color: rgb(34, 101, 193)">以5年交为例，分别测算一下两方的退保利率水平。</span></p><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZBhchicicyzQcVF9lFwb9JNvgSkdNoWqSFVYwvkZ9WBvs8YTcECN6E0bN2wv2IYNpEWGvdx18t8jJng%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZBhchicicyzQcVF9lFwb9JNvgSkdNoWqSFVYwvkZ9WBvs8YTcECN6E0bN2wv2IYNpEWGvdx18t8jJng/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><p ><span >从现金价值数据表现来看，测评的工行热销增额寿整个周期内都很难突破3.4%，</span></p><p ><span >相比之下，选取的参照组作为市面上突出的增额寿产品，</span></p><p ><span >到保单第十年左右就有约3.4%，整个周期内退保利率高达3.48%，明显不可同日而语。</span></p><p ><span style="color: rgb(0, 0, 0)"><strong><span style="color: rgb(0, 0, 0)">综合来看，</span></strong></span></p><p ><span >工行代销的这些增额寿，与市面上一些优秀的产品相比还有很大的差距。</span></p><section ><span >如果是长期资金规划的话，真第一梯队的产品更有优势！</span></section><section ><span ><br /></span></section><section ><span ><strong><span >往期阅读回顾：</span></strong></span></section><p ><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MzA4NTkwNTE0Mg==&mid=2247489355&idx=1&sn=6acdfd9cd666251dcb0db97ebe19e8f1&chksm=9fd18cd2a8a605c4b7200cdcbd712600b191c3c13c9c20fb0365654b3a00b8311f6a7ad52e26&scene=21#wechat_redirect" textvalue="封闭期超短的增额寿，哪款值得买？" linktype="text" imgurl="" imgdata="null" tab="innerlink">封闭期超短的增额寿，哪款值得买？</a></span></p><p ><span ><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">大公司好产品，这些值得推荐</a></span></p><p ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MzA4NTkwNTE0Mg==&mid=2247489245&idx=1&sn=db029049d2a14dd665336df32dc62026&chksm=9fd18d44a8a604529b0f1c739d28c2b29a054df6506769ae159ecacb47feea89e8dfcd09b27b&scene=21#wechat_redirect" textvalue="发现一款宝藏产品，但是..." linktype="text" imgurl="" imgdata="null" tab="innerlink" ><span >发现一款宝藏产品，但是...</span></a></p><p ><br /></p><p ><strong><span >如有疑问，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><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 style="text-align: left" powered-by="xiumi.us"><section ><section style="text-align: justify" powered-by="xiumi.us"><section ><section 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