<section style="text-align: center"><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" /></section><section ><span >“现在行业不好，收入下降了不少。”</span><o:p></o:p></section><section ><span >李女士说出了现在许多人的心声。</span></section><section ><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_jpg%2FttibxYrpmzvQRcxribewF9K8YbiaV6tAZzgwIdibfq2QzyPVrnibGGiaKUFbsPnibCwt8fib6CtXwoyrNzFa3fU1WUiceVQ%2F640%3Fwx_fmt%3Djpeg%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_jpg/ttibxYrpmzvQRcxribewF9K8YbiaV6tAZzgwIdibfq2QzyPVrnibGGiaKUFbsPnibCwt8fib6CtXwoyrNzFa3fU1WUiceVQ/640?wx_fmt=jpeg&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></span></section><p style="text-align: center"><span ><span style="color: rgb(136, 136, 136); text-align: center">聊天记录节选</span></span></p><h2 ><strong><span style="color: rgb(33, 89, 103)">一、投保背景</span></strong></h2><section ><span >李女士今年37岁，之前买过两份增额寿，用来做资产增值。</span><o:p></o:p></section><section ><span >由于最近所在行业不景气，薪资大打折扣，加上受到延迟退休消息的影响。<br /></span></section><section ><span >她越发觉得需要在收入稳定的时候，做好养老金规划。</span></section><section ><span >于是她</span><span >找上我们团队</span><span >，</span><span >决定再用手头的存款，为自己挑一款养老年金险。</span><span ></span></section><section ><span >此外，她还有个顾虑，担心还没退休就先失业了。</span></section><section ><span >所以想尽可能早点领取养老金，做好提前退休的打算，也能避免中年失业危机。<br /></span></section><section ><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_jpg%2FttibxYrpmzvQRcxribewF9K8YbiaV6tAZzgepZPfMtPGSRa0cdsb5LnDFf6uJzDvNUZ9HM16kIJ6sia6iarbibRweNmA%2F640%3Fwx_fmt%3Djpeg%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_jpg/ttibxYrpmzvQRcxribewF9K8YbiaV6tAZzgepZPfMtPGSRa0cdsb5LnDFf6uJzDvNUZ9HM16kIJ6sia6iarbibRweNmA/640?wx_fmt=jpeg&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></span></section><p style="text-align: center"><span ><span style="color: rgb(136, 136, 136); text-align: center">聊天记录节选</span></span></p><section ><span ><span ></span></span></section><h2 ><strong><span style="color: rgb(33, 89, 103)">二、产品筛选</span></strong><o:p></o:p></h2><section ><span >懂保爷规划师李家帆在了解了客户需求后，</span></section><section ><span >为客户推荐了</span><strong >富德生命人寿「大富翁3.0」</strong>，<span >这款年金险可以</span><strong >55岁领取</strong><span >，</span><span >符合</span><span >李女士的想法</span><span >，</span></section><section ><span >但是它的收益却略低于另一款产品</span><strong ><span >君龙人寿「龙抬头3.0」</span></strong><span >，</span><span ></span></section><section ><span ></span></section><section ><span >由于37岁购买龙抬头3.0只能60岁领取了，</span><span >规划老师就以37岁女性趸交20万分别做了对比：</span></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvQRcxribewF9K8YbiaV6tAZzgM5LesAvAicR0HYukrhEI4ZTymgAJqDeE8LO223zhmiaUANKEAk9yRldg%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvQRcxribewF9K8YbiaV6tAZzgM5LesAvAicR0HYukrhEI4ZTymgAJqDeE8LO223zhmiaUANKEAk9yRldg/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></p><section style="text-align: center"><span style="color: rgb(136, 136, 136)">收益对比</span><br /></section><section ><strong><span >【大富翁3.0】</span></strong><span ></span><o:p></o:p></section><section ><span >选择<strong>55岁开始领取</strong>，每年可领取<strong>18200元</strong>；</span><o:p></o:p></section><section ><span >选择<strong>60岁开始领取</strong>，每年可领取<strong>24200元</strong>。</span><o:p></o:p></section><section ><strong><span >【龙抬头3.0】</span></strong><span ></span><o:p></o:p></section><section ><span >选择<strong>60岁开始领取</strong>，每年可领取<strong>24800元</strong>。</span></section><section ><span >虽然55岁领取时间早5年，但是从总领取金额来看，</span><o:p></o:p></section><section ><strong><span >到80岁</span></strong><span >，龙抬头60岁领比大富翁55岁领<strong>多领了47600元</strong>。</span><o:p></o:p></section><section ><span >一番对比下来，李女士最终决定60岁领取。</span><o:p></o:p></section><h2 ><strong><span style="color: rgb(33, 89, 103)">三、方案定制</span></strong><o:p></o:p></h2><section ><span >敲定领取年龄后，李家帆老师考虑到客户曾买过两款增额寿，并且还在缴费期内，</span></section><section ><span >手头上的现金又只有20万，</span></section><section ><span >所以为了缓解交费压力，建议<strong>拉长缴费期</strong>，<strong>锁定利率</strong>的同时，<strong>用钱也能更灵活</strong>。</span><o:p></o:p></section><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_jpg%2FttibxYrpmzvQRcxribewF9K8YbiaV6tAZzg39WrSSjyt6eZDxRFXJI27dk5lfJF9e1lLoYGJXSGLxfhpCdzibMzhhQ%2F640%3Fwx_fmt%3Djpeg%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_jpg/ttibxYrpmzvQRcxribewF9K8YbiaV6tAZzg39WrSSjyt6eZDxRFXJI27dk5lfJF9e1lLoYGJXSGLxfhpCdzibMzhhQ/640?wx_fmt=jpeg&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><p style="text-align: center"><span style="color: rgb(136, 136, 136)">聊天记录节选</span></p><section ><span >但是龙抬头3.0对投保人的年龄限制比较多，李女士37岁不能选择10年交。</span><o:p></o:p></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvQRcxribewF9K8YbiaV6tAZzgABQYibELe2UV5cDwib7Rvibtpf9fXN1CibsaxAeDIQy00JqicHaMg5LiaoFg%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvQRcxribewF9K8YbiaV6tAZzgABQYibELe2UV5cDwib7Rvibtpf9fXN1CibsaxAeDIQy00JqicHaMg5LiaoFg/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></p><section style="text-align: center"><span style="color: rgb(136, 136, 136)">领取年龄、交费年期、被保险人的投保年龄上限</span></section><section ><span ></span></section><section ><span >所以最终方案定为：</span></section><section ><strong><span >龙抬头3.0趸交15万，60岁领取 ；</span></strong><o:p></o:p></section><section ><strong><span >大富翁3.0年交</span></strong><strong ><span >1.5万，交10年，60岁领取。</span></strong></section><section ><span >李女士60周岁时可以每年从<strong>龙抬头3.0</strong>领<strong>18600元；</strong></span><o:p></o:p></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvQRcxribewF9K8YbiaV6tAZzgMDWVQmpRUJ8tJibcVXrExRwJTVHUia05V6jdNA6a5RYLpO6AfMNlz5vg%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvQRcxribewF9K8YbiaV6tAZzgMDWVQmpRUJ8tJibcVXrExRwJTVHUia05V6jdNA6a5RYLpO6AfMNlz5vg/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></p><section style="text-align: center"><span style="color: rgb(136, 136, 136)">龙抬头3.0方案演示</span><br /></section><section ><span >以及从<strong>大富翁3.0</strong>领<strong>15795元</strong></span><o:p></o:p></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvQRcxribewF9K8YbiaV6tAZzghwPh1lmcL8WChExGsVSdwRfgzbmDXxf1mVuARJCmcqPGibC43HTic62Q%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvQRcxribewF9K8YbiaV6tAZzghwPh1lmcL8WChExGsVSdwRfgzbmDXxf1mVuARJCmcqPGibC43HTic62Q/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></p><p style="text-align: center"><span style="color: rgb(136, 136, 136)">大富翁3.0方案演示</span></p><section ><span >如果之后李女士想提早退休，</span><o:p></o:p></section><section ><span >可以在领取前把大富翁变更成55岁领取，灵活运用这份保单。</span><o:p></o:p></section><section ><span >李女士对我们的定制方案很满意，之后成功投保。</span><o:p></o:p></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_jpg%2FttibxYrpmzvQRcxribewF9K8YbiaV6tAZzgcnQB57icNq1QPG8XHgVoCaLbiciaWL05WbXicpR4mEz2AyAXEy8WCibhrCg%2F640%3Fwx_fmt%3Djpeg%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_jpg/ttibxYrpmzvQRcxribewF9K8YbiaV6tAZzgcnQB57icNq1QPG8XHgVoCaLbiciaWL05WbXicpR4mEz2AyAXEy8WCibhrCg/640?wx_fmt=jpeg&from=appmsg" alt="懂保爷测评配图" loading="lazy" /><span style="color: rgb(136, 136, 136)">李女士向我们了解分红型增额寿</span><br /></section><section ><span ></span></section><section ><span >这两天她又与我们的规划老师沟通，想为孩子再配置一份分红型增额寿，给孩子未来也多一份保障。</span><o:p></o:p></section><section ><span ><strong style="color: rgb(0, 0, 0)"><span style="color: rgb(33, 89, 103)"><em ><strong ><span style="text-align: start">有问题，可扫描</span></strong></em><em ><strong ><span style="text-align: start">下图二维码咨询我团队的专业规划老师。</span></strong></em></span></strong></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FO95eeDepqTOpB6SvNluyC7ibynwMqmmaeYaEESkpsJpZYybXqtHXeYNahSKOQ9dUFW3Eq7ibxWIjmRarPG9x0XKg%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/O95eeDepqTOpB6SvNluyC7ibynwMqmmaeYaEESkpsJpZYybXqtHXeYNahSKOQ9dUFW3Eq7ibxWIjmRarPG9x0XKg/640?wx_fmt=gif" alt="懂保爷测评配图" loading="lazy" /></section><section ></mp-common-profile><br /></section><p ></mp-style-type></p>
