又见开门红 | 国寿、平安、太保、泰康等产品哪家强？

<p style="text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvRMRQ8Ot4BB9nrCw1EicbYY3lJMPC5n8NEwOm04yG4OtkRLNkOJZSCeey71IM1UpXswicff1otoiaAJg%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvRMRQ8Ot4BB9nrCw1EicbYY3lJMPC5n8NEwOm04yG4OtkRLNkOJZSCeey71IM1UpXswicff1otoiaAJg/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></p><section ><span >又是一年开门红，各家大保司</span><span >均已推出自家主打产品：</span></section><section ><span style="color: rgb(33, 89, 103)"><span >国寿鑫益丰年/<span >鑫益传家；</span></span><span >太保长相伴传世2024；<span >平安御享金越2025；</span>太平国弘一号；泰康鑫享世家；新华荣耀智赢...</span></span><span ></span></section><section ><span >在各产品铺天盖地投</span><span >放广告的同时，我也发现了某些可能存在的误导嫌疑。</span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvThkOurib4qIJ3iauwJIOvp1RiazV92bY7PVdlNNV5ExTjtjYuBfq2dkeARDTTHB2n6gmYY0v8IuRnqw%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvThkOurib4qIJ3iauwJIOvp1RiazV92bY7PVdlNNV5ExTjtjYuBfq2dkeARDTTHB2n6gmYY0v8IuRnqw/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section ><span >例如某款产品广为传播的”<strong>8.2%</strong>“，夸张的广告词让人不禁咂舌，也掩饰了实际回报。</span></section><section ><span >那么开</span><span >门红产品的真实收益水平是怎样？</span><span >哪一款值得买？</span></section><section ><span >我们来一探究竟</span><span >。</span></section><section ><span ></span></section><section ><span ></span></section><section ><span style="color: rgb(33, 89, 103)"><strong><span style="color: rgb(33, 89, 103)">一、</span></strong></span><span ><br /></span></section><section ><span >由于经济环境变化，</span></section><section ><span >我们可以看到，</span><span >与往年开门红”固收+万能“组合不同的是</span><span >，今年各家基本都采用了”分红+万能“新组合。</span></section><section ><span >且主力产品的形态也由以往的快返年金，换代成了增额终身寿等长期回报产品（几乎各家都有）。</span></section><section ><span >增加浮动收益、长期收益，明显是各大保司应对利率下行的手段了。</span></section><section ><span >具体到开门红产品上，</span></section><section ><span >国寿、平安、太保、泰康、太平均有分红型增额终身寿上线，也是当前开门红的主流；</span></section><section ><span >此外，国寿另有一款分红型养老年金上线；</span><span >新华则出人</span><span >意料地还在用</span><span >固</span><span >收型主力</span><span >产品，有点特立独行以后再说了。</span></section><section ><span >下面直接</span><span >来看收益对比，</span><span >先是各家分红险的</span><strong><span >保证部</span><span >分收益</span></strong><span >，即分红为0的情况</span><span >。</span></section><section ><span >为更直观，我也找了同为大保司（行业top7）的中邮人寿产品作为参照：</span></section><p ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvThkOurib4qIJ3iauwJIOvp1R4SibS8D9npwJa4zgadPBfpYXMG2dqA8ZyFI1cgEib3rfWCXvJFSB7gcw%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvThkOurib4qIJ3iauwJIOvp1R4SibS8D9npwJa4zgadPBfpYXMG2dqA8ZyFI1cgEib3rfWCXvJFSB7gcw/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></p><section ><span >很明显，只看保证利益部分，</span></section><section ><span >中邮悦享盈佳2.0一骑绝尘，IRR能到1.8%+，暂居No.1。</span></section><section ><span >其后便是平安御享金越2025，国寿鑫益传家、太平国弘一号等，</span></section><section ><span >最低是太保的长相伴传世2024，持有30年能比中邮低了3万元以上。</span></section><section ><span >当然，分红险核</span><span >心还是要加上<strong>红利回报</strong>，我们继续看：<br /></span></section><p ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvThkOurib4qIJ3iauwJIOvp1RS6ibYkR9EHTJ9zGCJYxwrzzIzyE3Xuf5e4FpPnn7wc1H7dnYkrZsgdg%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvThkOurib4qIJ3iauwJIOvp1RS6ibYkR9EHTJ9zGCJYxwrzzIzyE3Xuf5e4FpPnn7wc1H7dnYkrZsgdg/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></p><section ><span >结论几乎没变化，第一仍是中邮悦享盈佳2.0，含红利IRR可达2.8%以上；</span></section><section ><span >其次是太平国弘一号，和平安御享金越2025等，</span></section><section ><span >这些开门红产品，远期回报均在2.7%左右。</span></section><section ><span >最低变成了泰康鑫享世家。</span></section><section ><span >不过，国寿、平安、泰康都是现金分红产品，长期回报通常很难比得上保额分红产品。</span></section><section ><span ><span >该类产品常规玩法是领取现金红利后，转入关联的万能账户进行二次增值。</span></span></section><section ><span >有些特殊的，例如平安御享金越2025，既可以选择现金红利形式，也可以选择交清增额形式当作保额分红产品用。</span></section><section ><span >这种形式下，长期回报会略有提升（但还是比不上中邮悦享盈佳2.0，这款目前是头部公司第一）</span></section><section ><span >至于分红险老生常谈的保司背景、投资能力啥的，这几家应该都不用过多介绍了吧，<span >都是行业龙头</span>。</span></section><section ><span >唯一要留意的是，因为体量太大，这几家受政策影响<span >相对</span>要大一些。</span></section><section ><span >比如监管指导红利实现率限高，国寿、平安等大多就都调整到35%左右了。</span></section><section ><span >就客户视角来看，一些有实力的中上游保司”束缚“更少，更有能力兼意愿给到高收益（像中意/中英/友邦/恒安标准等）<br /></span></section><section ><span ></span></section><section ><span ></span></section><section ><span style="color: rgb(33, 89, 103)"><strong><span style="color: rgb(33, 89, 103)">二、</span></strong></span><span ><br /></span></section><section ><span >以上是主流的分红型增额寿产品，</span></section><section ><span >我们再来看国寿的另一款开门红产品：<strong>鑫益丰年</strong>。</span></section><section ><span >这是一款分红型养老年金险，保障期限只到领取后20年。</span></section><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvThkOurib4qIJ3iauwJIOvp1RxvCGiceywNMHBqNyxOCD4W1qybBsBlutxbAMpqqbpxOG9g64yk7S7dg%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvThkOurib4qIJ3iauwJIOvp1RxvCGiceywNMHBqNyxOCD4W1qybBsBlutxbAMpqqbpxOG9g64yk7S7dg/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section ><span >实话说，回报不太理想。</span></section><section ><span >演示表中，保证部分回报，满期仅有1.77%；</span></section><section ><span >即便</span><span >加上分红，满期也不到3%！</span></section><section ><span >最关键的是，这款就是我们前面说的海报写着”最高8.2%“的当事人。</span></section><section ><span >就算年金+分红再转入万能，按照当前结算的3.1%复利，也不知道8.2%咋来的；</span></section><section ><span >委实让人有点摸不着头脑，大概说的是后期单利吧。</span></section><section ><span >综合看还不如国寿自家另一款分红增额寿鑫益传家</span><span >。</span></section><section ><strong style="color: rgb(33, 89, 103)"><span >三、</span></strong><span ></span></section><section ><span >最后再来看看</span><span >各家”王炸组合“的另外一半，万能账户。</span></section><section ><span >当前利率如下：</span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvThkOurib4qIJ3iauwJIOvp1RkOe7iaULenoNX5Uxz5f6Yy9NPy4OsRTaWeVDIoDno2Ez0AHeadvEKzA%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvThkOurib4qIJ3iauwJIOvp1RkOe7iaULenoNX5Uxz5f6Yy9NPy4OsRTaWeVDIoDno2Ez0AHeadvEKzA/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section ><span >在去年预定利率调整后，</span></section><section ><span >目前万能账户保底利率只剩1.5%，这个利率只能说食之无味弃之可惜了；</span></section><section ><span >结算利率均在3%左右，在当下环境还算可以。</span></section><section ><span >但问题是，3%并不能一直稳定下去。</span></section><section ><span >如果冲着3%买，建议买之前想想明年变成了2%甚至更低，能不能接受了。</span></section><section ><span >不是空穴来风，要知道国寿去年开门红产品关联的万能账户，一年时间可就从3.5%降到2.5%了。</span></section><section ><span >我是不太建议在当前形势下，对万能账户抱有过高期待的。</span></section><section ><span >选择产品，还是老老实实看主险吧。</span></section><section ><span ></span></section><section ><span ></span></section><section ><span ></span></section><section ><section ><section ><strong ><span >后话：</span></strong></section><section ><span >纵观各家开门红产品，产品利益这块实际还是偏保守的。<br /></span></section><section ><span >经济下行环境，保险巨头们由于规模问题承压更大，顾虑也多。</span></section><section ><span >其他不多说，建议大家别盲信业务员发的小广告，尤其是产品回报相关。</span></section><section ><span ><span >当前市场不乏</span><span >优</span><span >质产品，好东西是比出来的，留个心多比比就行</span>。</span></section><section ><span >最后，开门红期间产品变动频繁，我们可能无法对每款产品都进行及时分析。</span></section><section ><span >如对某款产品感兴趣，可以随时联系我，帮您详细分析～</span></section><section ><span >储蓄保险良莠不齐，又涉及家庭重大资产规划，更要仔细甄别。<br /></span></section><section ><span >如需找我咨询，可以扫码联系，让我在最专业的领域帮您少走弯路。</span></section><section ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MzkwODcwMzI2Nw==&amp;mid=2247498620&amp;idx=1&amp;sn=63c7d116b63938f4fb79c716b5140f26&amp;chksm=c0c75830f7b0d126a777b281b7b12406619e8f751bdd16e11113f7ec49476aa42e9088b699b6&amp;scene=21#wechat_redirect" textvalue="为什么选择懂保爷？" linktype="text" imgurl="" imgdata="null" tab="innerlink" hasload="1" style="color: var(--weui-LINK)">为什么选择懂保爷？</a></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvSZbemR2IV8FZJtTcXw902cZCerF6VN8MY58WNsbgr8HHQ3xu9Gb8T1v9lre8noueQibORTEHVRnGg%2F640%3Fwx_fmt%3Dother%26wxfrom%3D5%26wx_lazy%3D1%26wx_co%3D1%26tp%3Dwebp" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvSZbemR2IV8FZJtTcXw902cZCerF6VN8MY58WNsbgr8HHQ3xu9Gb8T1v9lre8noueQibORTEHVRnGg/640?wx_fmt=other&wxfrom=5&wx_lazy=1&wx_co=1&tp=webp" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center"><span ><strong ><span >最后简单跟大家介绍一下自己：</span></strong></span></section><section style="text-align: center"><br /></section><section style="text-align: center"><span >懂保爷平台成立于2018年；</span></section><section style="text-align: center"><span >秉着向上向善的信仰，</span></section><section style="text-align: center"><span >站在客户角度，以客户为中心，测评优中选优</span></section><section style="text-align: center"><span >为客户提供风险转嫁、</span></section><section style="text-align: center"><span >储蓄理财和退休养老方面的优质保险内容与服务。</span></section><section style="text-align: center"><span >全网粉丝1000万+，</span></section><section style="text-align: center"><span >已累计为10万+家庭解决过保险难题。</span></section><section style="text-align: center"><span >以成就安心生活为使命；</span></section><section style="text-align: center"><span >致力于成为新时代中国人信赖首选的保险内容与服务平台。</span></section><section style="text-align: center"><br /></section><section style="text-align: center"><span style="color: rgb(178, 178, 178)">更多敬请关注：</span></section><section ></mp-common-profile></section></section></section><p ></mp-style-type></p>