<p style="text-align: left"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_jpg%2F1QPP1s0AFkdAA3BSwuu5xWbdgiaffLMLNeLxnOYX2tYxHDXbw5enYybics4pXYCibj6yPtL6MBvCLKEDvCHoHYzxw%2F640%3Fwx_fmt%3Djpeg%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_jpg/1QPP1s0AFkdAA3BSwuu5xWbdgiaffLMLNeLxnOYX2tYxHDXbw5enYybics4pXYCibj6yPtL6MBvCLKEDvCHoHYzxw/640?wx_fmt=jpeg&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></p><p style="text-align: left"><span >分红型增额寿<strong>"下有保底，上有分红"</strong>的特性，<br /></span></p><p style="text-align: left"><span >在利率持续下行的时代，成功占领了受低利率所困扰朋友的心房。</span></p><p style="text-align: left"><span >去年受政策和市场环境影响，分红增额寿地位显著提升，</span></p><p style="text-align: left"><span >数量迎来爆发性增长，新品层出不穷，</span></p><p style="text-align: left"><span >其中佼佼者的回报能够达到3.7%+，其余大多也能轻松突破3.5%。</span></p><p style="text-align: left"><span >不过，分红增额寿不单纯是比拼回报高低，更多的是保司+回报的综合考量。<br /></span></p><p style="text-align: left"><span >今天测评的<span style="color: rgb(33, 89, 103)"><strong>中英人寿</strong><strong>「福满佳」</strong></span>，就是一款<span style="color: rgb(33, 89, 103)"><strong>兼具保司实力和顶尖回报</strong></span>的产品，</span></p><p style="text-align: left"><span ><strong>少有可以挑剔之处，或许会成为很多人犹豫后的最终选择。</strong><br /></span></p><p style="text-align: left"><span style="color: rgb(33, 89, 103)"><strong>一、</strong></span></p><p style="text-align: left"><span >咱们先来了解一下产品详情：<br /></span></p><p style="text-align: left"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FTCogyRTMEicdibqoPIDGztGJcZY8zJiboibWH6JQibGCGa8Hr9ggiaibIC3ObmzVbpTia9iaUpTG7r0DA8YcBuL1SOHZt3A%2F640%3Fwx_fmt%3Djpeg%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/TCogyRTMEicdibqoPIDGztGJcZY8zJiboibWH6JQibGCGa8Hr9ggiaibIC3ObmzVbpTia9iaUpTG7r0DA8YcBuL1SOHZt3A/640?wx_fmt=jpeg&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></p><p style="text-align: left"><span >福满佳<strong>最高70岁</strong>可承保，缴费期除了常规的<strong>趸交，3/5/10/15年交</strong>，还有个少见的<strong>6年交</strong>。</span></p><p style="text-align: left"><span >不同承保年龄可选择的缴费期不同，具体如下表所示：<br /></span></p><p style="text-align: left"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2F1QPP1s0AFkfOnlqWfD2NUgftlhDj9jicAaGslsQvEDwdZlQYY9uxkfzcaPyuQtJ6DUql3fTnzL2kLibtmVzT6ZRg%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/1QPP1s0AFkfOnlqWfD2NUgftlhDj9jicAaGslsQvEDwdZlQYY9uxkfzcaPyuQtJ6DUql3fTnzL2kLibtmVzT6ZRg/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></p><p style="text-align: left"><span >起投金额，有一定门槛，<span >不过在2024年6月30日前投保，</span></span></p><p style="text-align: left"><span >可享受起投保费门槛减半的福利（3年交由原来的7万降低至3万元）。</span></p><p style="text-align: left"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_jpg%2F1QPP1s0AFkfOnlqWfD2NUgftlhDj9jicAEibJOGqrFzpg26Yc4FW0BHXiajwMTB9EavImAdicVuxlgHsF32HhkQebw%2F640%3Fwx_fmt%3Djpeg%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_jpg/1QPP1s0AFkfOnlqWfD2NUgftlhDj9jicAEibJOGqrFzpg26Yc4FW0BHXiajwMTB9EavImAdicVuxlgHsF32HhkQebw/640?wx_fmt=jpeg&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></p><p style="text-align: left"><span >保单功能层面，不支持加保，</span></p><p style="text-align: left"><strong><span >减保需保单满5年，年度减保上限20%保额，属于相当宽松的减保规则。</span></strong><span ><br /></span></p><p style="text-align: left"><span >此外，像保单贷款(最新利率5.48%)、<span >保险金信托(总保费200万起)、</span>隔代投保、第二投保人也都有。</span></p><p style="text-align: left"><span >满足保费要求可以对接<strong>养老社区</strong>，</span></p><p style="text-align: left"><span >总保费≥30万，享受舒养版；总保费≥100万，享受颐养版。</span></p><p style="text-align: left"><span >还可以关联<strong>两款万能账户</strong>：<strong>鑫如意⌈悦享版⌋</strong>、<strong>⌈尊享版⌋</strong>，</span></p><p style="text-align: left"><span >都是保底利率2.0%的年金型万能账户，</span></p><p style="text-align: left"><span >且主险产生的分红转入万能都没有手续费，最新结算利率如下：</span></p><p style="text-align: left"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_jpg%2F1QPP1s0AFkfOnlqWfD2NUgftlhDj9jicADsBuLoiaB4icdRG1v0icVU35btNAA7NXRzIsHWXwmn5bJXLDVKalH5dlA%2F640%3Fwx_fmt%3Djpeg%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_jpg/1QPP1s0AFkfOnlqWfD2NUgftlhDj9jicADsBuLoiaB4icdRG1v0icVU35btNAA7NXRzIsHWXwmn5bJXLDVKalH5dlA/640?wx_fmt=jpeg&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)">尊享版</span></section><section style="text-align: left"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_jpg%2F1QPP1s0AFkfOnlqWfD2NUgftlhDj9jicAbtEkK9ibC8jiaAsME12nHOL5gMqOcciaaibtnyexDSUyow8cTsww51F33g%2F640%3Fwx_fmt%3Djpeg%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_jpg/1QPP1s0AFkfOnlqWfD2NUgftlhDj9jicAbtEkK9ibC8jiaAsME12nHOL5gMqOcciaaibtnyexDSUyow8cTsww51F33g/640?wx_fmt=jpeg&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center"><span style="color: rgb(136, 136, 136)">悦享版</span></section><section style="text-align: left"><span style="color: rgb(33, 89, 103)"><strong>二、</strong></span></section><section style="text-align: left"><span >下面我们进入收益测算环节，</span></section><section style="text-align: left"><span >多数人选增额寿最看重的还是保单回报，也就是现金价值。</span></section><section style="text-align: left"><span >我们挑选了4款同样兼具保司实力和回报的分红型增额寿作对比，<span >分别是：</span></span></section><section style="text-align: left"><span style="color: rgb(33, 89, 103)"><strong><span >复星保德信人寿「星福家」</span></strong></span></section><section style="text-align: left"><span style="color: rgb(33, 89, 103)"><strong><span >中邮人寿「悦享盈佳」</span></strong></span></section><section style="text-align: left"><span style="color: rgb(33, 89, 103)"><strong><span >招商信诺人寿「利多多3号」</span></strong></span></section><section style="text-align: left"><span style="color: rgb(33, 89, 103)"><strong><span >恒安标准人寿「传世臻耀」</span></strong></span></section><section style="text-align: left"><span >分红险的回报由保底利益和红利利益构成，我们拆分开来看。</span></section><section style="text-align: left"><span >以10岁男孩，总交30万为例，按主流缴费期（趸交，3/5/10年交）对比。</span></section><section style="text-align: left"><span style="color: rgb(0, 128, 255)"><strong>1、保底利益</strong></span></section><section label="edit by 135editor"><section><section><section ><section ><section ><section ><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FTCogyRTMEicdibqoPIDGztGJcZY8zJiboibWAWqngwzVBU8k4T0iasnib9Zgc4nkkUEkWOicRks6VMphawT7mo5LHJ0TQ%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/TCogyRTMEicdibqoPIDGztGJcZY8zJiboibWAWqngwzVBU8k4T0iasnib9Zgc4nkkUEkWOicRks6VMphawT7mo5LHJ0TQ/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section></section><section ><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FTCogyRTMEicdibqoPIDGztGJcZY8zJiboibWbgE0qNXw9F1tl8IHYGOrrPTYhWr7kFSUfGzWeyYMa1TR2SgZLZtllg%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/TCogyRTMEicdibqoPIDGztGJcZY8zJiboibWbgE0qNXw9F1tl8IHYGOrrPTYhWr7kFSUfGzWeyYMa1TR2SgZLZtllg/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section></section><section ><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FTCogyRTMEicdibqoPIDGztGJcZY8zJiboibW41XzYZesfXOyNZc3A9yk498CkLYRicLQV2NGLnDUaOMHEkGmTbnAlIQ%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/TCogyRTMEicdibqoPIDGztGJcZY8zJiboibW41XzYZesfXOyNZc3A9yk498CkLYRicLQV2NGLnDUaOMHEkGmTbnAlIQ/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section></section><section ><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FTCogyRTMEicdibqoPIDGztGJcZY8zJiboibWo6wBPgpFG3U3T6JudiaISUHHA3dPMA5OLb075RaicJx4ABGTy6BvibkMQ%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/TCogyRTMEicdibqoPIDGztGJcZY8zJiboibWo6wBPgpFG3U3T6JudiaISUHHA3dPMA5OLb075RaicJx4ABGTy6BvibkMQ/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section></section></section></section></section><section><section style="text-align: center"><span style="color: rgb(136, 136, 136)">左右滑动查看更多</span></section></section></section></section></section><section style="text-align: left"><span >保底利益<strong>top3</strong>集中在这三款间：<strong>星福家、福满佳、悦享盈佳</strong>。<br /></span></section><section style="text-align: left"><span style="color: rgb(136, 136, 136)"><em>注：中邮人寿「悦享盈佳」不支持趸交。</em><br /></span></section><section style="text-align: left"><strong><span >趸/十年交下，福满佳回报最高；三/五年交，星福家最高。</span></strong><span ><br /></span></section><section style="text-align: left"><span >不过这两款各个缴费期的<strong>现价差相当小</strong>，几乎可以忽略不计。<br /></span></section><section style="text-align: left"><span ><strong><span style="color: rgb(136, 136, 136)">以趸交为例，投入30万，保单第20年：</span></strong></span></section><section style="text-align: left"><strong><span style="color: rgb(136, 136, 136)">福满佳现价45.21万，IRR2.07%，折合单利2.53%；<br /></span></strong></section><section style="text-align: left"><strong><span style="color: rgb(136, 136, 136)">星福家现价45.15万，IRR2.06%，折合单利2.52%。</span></strong><span style="color: rgb(136, 136, 136)"><br /></span></section><section style="text-align: left"><strong><span >长期持有，福满佳四个缴费期的IRR都能突破2.3%，十分均衡。</span></strong><span ></span></section><section style="text-align: left"><span >这点是其余几个产品做不到的，包括星福家。</span></section><section style="text-align: left"><strong><span >再来看封闭期</span></strong><span >，也就是现金价值超过已交保费的时间，俗称回本时间。<br /></span></section><section style="text-align: left"><span >福满佳趸交5年，三年交6年，五年交7年，十年交10年，</span></section><section style="text-align: left"><strong><span >各个缴费期的封闭期几乎都是最短的，这是福满佳的一个亮点。</span></strong></section><section style="text-align: left"><span >最后，光看保底利益的话，</span></section><section style="text-align: left"><span >福满佳与当前最热的分红型增额寿星福家相比不相上下，</span></section><section style="text-align: left"><span >趸/三年交的封闭期还要短1-2年。</span></section><section style="text-align: left"><span style="color: rgb(0, 128, 255)"><strong>2、红利利益（保底+分红）</strong></span></section><section label="edit by 135editor"><section><section ><section ><section ><section ><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FTCogyRTMEicdibqoPIDGztGJcZY8zJiboibWWIBdrMAia7nv1n6LQohuNRhyakzktMTne8LNbib2IElIwn6ww4iahEDibg%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/TCogyRTMEicdibqoPIDGztGJcZY8zJiboibWWIBdrMAia7nv1n6LQohuNRhyakzktMTne8LNbib2IElIwn6ww4iahEDibg/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section></section><section ><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FTCogyRTMEicdibqoPIDGztGJcZY8zJiboibWcfKCpIVLZhh1egolPib6zkqbm4cvXleUt9icy84jTcxc647varwvKv3w%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/TCogyRTMEicdibqoPIDGztGJcZY8zJiboibWcfKCpIVLZhh1egolPib6zkqbm4cvXleUt9icy84jTcxc647varwvKv3w/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section></section><section ><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FTCogyRTMEicdibqoPIDGztGJcZY8zJiboibWnv3lgicdb1mK5JPxUicmlTVQiaWmvasq22ToYvLiahjStR4ULVePsV2JvQ%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/TCogyRTMEicdibqoPIDGztGJcZY8zJiboibWnv3lgicdb1mK5JPxUicmlTVQiaWmvasq22ToYvLiahjStR4ULVePsV2JvQ/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section></section><section ><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FTCogyRTMEicdibqoPIDGztGJcZY8zJiboibWUsj9sEKXOn7Sic1OHibe62DoIzFCuMv7dpib9LEtThyPqdjwkTe0icLUSA%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/TCogyRTMEicdibqoPIDGztGJcZY8zJiboibWUsj9sEKXOn7Sic1OHibe62DoIzFCuMv7dpib9LEtThyPqdjwkTe0icLUSA/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section></section></section></section></section><section><section style="text-align: center"><span style="color: rgb(136, 136, 136)">左右滑动查看更多</span></section></section></section></section><section label="edit by 135editor" ><section><section style="text-align: left"><span >加上分红后，结论和只有保底利益时完全一致，</span></section><section style="text-align: left"><span >收益最高的还是<strong>星福家</strong>和<strong>福满佳</strong>。</span></section><section style="text-align: left"><strong><span >趸/十年交下，福满佳回报最高；三/五年交，星福家最高。</span></strong><span ></span></section></section></section><section style="text-align: left"><strong><span style="color: rgb(136, 136, 136)">差距依旧相当小，投入30万，</span></strong><span ><br /></span></section><section style="text-align: left"><strong><span style="color: rgb(136, 136, 136)">趸交下，持有20年，福满佳59.31万，星福家59.24万；<br /></span></strong></section><section style="text-align: left"><strong><span style="color: rgb(136, 136, 136)">三年交下，持有20年，福满佳57万，星福家57.02万。</span></strong><span style="color: rgb(136, 136, 136)"></span></section><section style="text-align: left"><span >两款的长期IRR也都能突破3.7%，属于市面上回报最为顶尖的一批分红增额寿。</span></section><section style="text-align: left"><em><span >如果说星福家的收益是对标着一生中意来设计的话，<br /></span></em></section><section style="text-align: left"><em><span >那么福满佳就是照着星福家设计的，几乎是一个模子刻出来的，</span><span >可以同时考虑。</span></em></section><section style="text-align: left"><span >要是在意封闭期的话，两款各自有优势缴费期。<br /></span></section><section style="text-align: left"><span >星福家趸/3/5/10年交的封闭期分别为：7/7/7/9年；<br /></span></section><section style="text-align: left"><span >福满佳<span >趸/3/5/10年交的封闭期分别为：5/6/7/10年。</span><br /></span></section><section style="text-align: left"><span style="color: rgb(33, 89, 103)"><strong>三、</strong></span></section><section style="text-align: left"><span >以上，是分红实现率为100%时，福满佳所能达到的预期收益水平。<br /></span></section><section style="text-align: left"><span >下面，我们<strong>从保司实力</strong>、<strong>分红实现率</strong>、<strong>投资能力</strong>三个维度来判断福满佳分红100%实现的可能性。</span></section><section style="text-align: left"><span style="color: rgb(0, 128, 255)"><strong>1、保司实力</strong><br /></span></section><section style="text-align: left"><span >中英人寿是一家<strong >合资险企</strong>，<span >成立于2002年，是中国加入世贸组织后，首批获批的合资险企。</span></span></section><section style="text-align: left"><span >中资股东中粮集团，外资股东英国英杰华保险集团，双方各持有50%的股份。<br /></span></section><section style="text-align: left"><span ><strong><span >中粮集团</span></strong><span >，是国务院国资委直接管理的央企，中国最大的粮油食品企业。</span></span></section><section style="text-align: left"><span ><strong><span >英杰华集团</span></strong><span >，成立于1696年，总部设在伦敦，</span></span></section><section style="text-align: left"><span ><span >是</span><strong >英国最大</strong><span >、世界第六大的保险集团，同时也是英国皇室唯一指定保险公司。</span></span></section><section style="text-align: left"><span >合资险企运营素来以稳字著称，很少违规冒进，</span></section><section style="text-align: left"><strong><span >偿付能力充足率和风险评级这俩指标自然没有问题。</span></strong><span ></span></section><section style="text-align: left"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FTCogyRTMEicdibqoPIDGztGJcZY8zJiboibWAOhrVia4h35IsbibUyLG9fs6ZCh1tuNJembokA0ic8x4jP946LpGfegHw%2F640%3Fwx_fmt%3Djpeg%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/TCogyRTMEicdibqoPIDGztGJcZY8zJiboibWAOhrVia4h35IsbibUyLG9fs6ZCh1tuNJembokA0ic8x4jP946LpGfegHw/640?wx_fmt=jpeg&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: left"><span >中英人寿运营稳健、风险管理卓越，</span></section><section style="text-align: left"><span >最新的<strong>风险综合评级为AAA级</strong>，寿险行业的最高标准，同级别的保司仅有5家。</span></section><section style="text-align: left"><span >并且<strong>连续29个季度，风险综合评级都是A级</strong>。</span></section><section style="text-align: left"><span ><span >这个成就可不是轻易就能达成的，</span><span >值得引以为傲，</span></span></section><section style="text-align: left"><span >体现了中英人寿稳健的经营管理能力和良好的风险管理水平。</span></section><section style="text-align: left"><span ><strong><span style="color: rgb(0, 128, 255)">2、分红实现率</span></strong><br /></span></section><section ><section style="text-align: left"><span >由于福满佳是新产品，暂未披露分红实现率，</span></section><section style="text-align: left"><span >于是我从中英人寿官网截取了已披露的分红实现率：</span></section><section style="text-align: left"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_jpg%2F1QPP1s0AFkfOnlqWfD2NUgftlhDj9jicAIicibetdPib5P0vyRY7eRp6WY7XmA9pThgVqESmBH2zC4MeKYgGY5SiaXQ%2F640%3Fwx_fmt%3Djpeg%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_jpg/1QPP1s0AFkfOnlqWfD2NUgftlhDj9jicAIicibetdPib5P0vyRY7eRp6WY7XmA9pThgVqESmBH2zC4MeKYgGY5SiaXQ/640?wx_fmt=jpeg&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section></section><section style="text-align: left"><span ><span >表中所列一共<strong>33款分红险</strong>，<span >战绩非常漂亮，</span></span><strong >分红实现率全部在100%-133%之间。</strong></span></section><section style="text-align: left"><span >中英人寿的分红业务算得上行业中的"尖子生"了，</span></section><section style="text-align: left"><span >其实这也得益于英方股东，要知道，世界上第一款保额分红产品就发源于英国。</span></section><section style="text-align: left"><span >成熟丰富的分红险运营经验支持自然是少不了，这点恐怕大部分有外资背景的险企都是比不上。</span></section><section style="text-align: left"><span style="color: rgb(0, 128, 255)"><strong>3、投资能力</strong></span></section><section style="text-align: left"><span ><span >接着来看<strong >投资实现率</strong>，这一指标非常重要，能够衡量保司</span><strong >“赚钱能力</strong><span >”。</span></span></section><section style="text-align: left"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FTCogyRTMEicdibqoPIDGztGJcZY8zJiboibWrXKyrqctMecpibKNq5tM583seHHTR4N7BRoY5qGUxSygUdEUHgQPIrA%2F640%3Fwx_fmt%3Djpeg%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/TCogyRTMEicdibqoPIDGztGJcZY8zJiboibWrXKyrqctMecpibKNq5tM583seHHTR4N7BRoY5qGUxSygUdEUHgQPIrA/640?wx_fmt=jpeg&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: left"><span style="color: rgb(136, 136, 136)"><strong><span >2023年财务投资收益率3.79%，排名第27；<br /></span></strong></span></section><section style="text-align: left"><span style="color: rgb(136, 136, 136)"><strong><span >2023年综合投资收益率6.42%，排名第2。</span></strong></span><span ><br /></span></section><section style="text-align: left"><span >另外，<strong>近3年的综合投资收益率为5.93%，位列59家非上市寿险公司第2名</strong>。</span></section><section style="text-align: left"><span >综上，对于中英的分红险，完成100%的分红实现率我是持乐观态度的，</span></section><section style="text-align: left"><span >甚至结合如此稳健的公司经营状况以及优秀的投资能力来看，</span></section><section style="text-align: left"><span >实现100%以上的超预期收益也大有可能。</span></section><section style="text-align: left"><span style="color: rgb(33, 89, 103)"><strong><span >四、</span></strong></span><span ><br /></span></section><section style="text-align: left"><span >最后，福满佳完全是一款能够<strong>对标当前大热分红增额寿星福家</strong>的产品。</span></section><section style="text-align: left"><span >无论是从收益角度考虑，还是从分红险运营的经验以及成熟度，</span></section><section style="text-align: left"><span >保司实力、运营状况、投资能力考虑都可以一较高下。</span></section><section style="text-align: left"><span >福满佳的出现，对星福家的地位发起了挑战，</span></section><section style="text-align: left"><span >也让我们在分红险领域有了一个新的选择。</span></section><section style="text-align: left"><span style="color: rgb(33, 89, 103)"><strong><span >当然，在星福家本月下架后，福满佳大概率能成分红增额寿的第一选择。</span></strong></span><span ></span></section><section style="text-align: left"><span ><strong ><em ><span style="color: rgb(33, 89, 103)">有问题，可扫描下图二维码咨询我团队的专业规划老师。</span></em></strong></span></section><section style="text-align: left"><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></section><section ><span ></span></section><p><span ></span></p><p ></mp-style-type></p>
