<section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2F1QPP1s0AFkcfd7AeuuXVW0HDmrhDOlTUOxo51H7uWltnA14EdiaQydla7ch0AHGFZByiaLLoxOdSBicveX5sjnrSQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/1QPP1s0AFkcfd7AeuuXVW0HDmrhDOlTUOxo51H7uWltnA14EdiaQydla7ch0AHGFZByiaLLoxOdSBicveX5sjnrSQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><span >由于监管频繁出手导致产品市场变化，加之<span >保险知识的不断普及。</span></span></section><section ><span >相信只要不是极端保守型，<span >或者对分红险完全没有认知的朋友，</span></span></section><section ><span >都能得出这么一个简单的结论：</span></section><section ><span ><strong>那就是即便是收益一般的分红型增额寿也能吊打传统型增额寿。</strong></span></section><section ><span >并且收益顶尖的一批分红险，分红实现率即使达不到100%，</span></section><section ><span >哪怕只达到50%也能突破传统型增额寿的定价利率上限3%。</span></section><section ><span >而采用保额分红的红利分配方式，更能放大分红险收益的强大。</span></section><section ><span >于是，我精挑细选了以下几款产品，做了一期保额分红险天梯榜，参赛选手如下：</span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2F1QPP1s0AFkc1uibUNrxgXPq6nCnan3YLt6RhLfz6qrWBcOQnXZhVIAicHlTp1Q22NEVZw9PcqpVBiaf5FlcQDG8Pg%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/1QPP1s0AFkc1uibUNrxgXPq6nCnan3YLt6RhLfz6qrWBcOQnXZhVIAicHlTp1Q22NEVZw9PcqpVBiaf5FlcQDG8Pg/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section ><span style="color: rgb(33, 89, 103)"><strong>一、</strong></span></section><section ><span ><strong>授人以鱼，不如授之以渔。</strong></span></section><section ><span >直接告诉大家测评结论简单，但还会有新产品出现推翻现有结论，</span></section><section ><span >所以不如教会大家如何挑选一款分红险。</span></section><section ><span style="color: rgb(0, 128, 255)"><strong><span >第一步，看保底、红利利益。</span></strong></span></section><section ><span >和传统型增额寿一样，保底部分收益写进合同，所见即所得。</span></section><section ><span >只不过这部分的定价利率上限是2.5%，即回报率不会超过2.5%。</span></section><section ><strong><span >保底部分的回报率越快接近2.5%，代表保底部分收益越高。</span></strong></section><section ><span >红利利益=保底利益+100%实现的红利，</span></section><section ><span >保司演示的都是100%实现红利时的红利利益。</span></section><section ><span >当然分红实现率可能低于100%，也可能高于100%。<br /></span></section><section ><span >有红利的加持，就是分红险的最终形态，收益会大幅超过传统增额寿。</span></section><section ><span style="color: rgb(0, 128, 255)"><strong><span >第二步，看历史分红实现率。</span></strong></span></section><section ><span >前面说过分红实现率可能会低于或高于保司演示的100%，那么如何预判未来的分红实现率走向呢？</span></section><section ><span >看历史分红实现率数据最直观，</span><span >主要有几个要点：</span></section><section ><span style="color: rgb(136, 136, 136)"><strong><span >第一是分红险的数量；</span></strong></span></section><section ><span style="color: rgb(136, 136, 136)"><strong><span >第二是有没有低于100%的产品；</span></strong></span></section><section ><span style="color: rgb(136, 136, 136)"><strong><span >第三是披露了几年的数据。</span></strong></span></section><section ><span style="color: rgb(0, 128, 255)"><strong><span >第三步，看保司实力。</span></strong></span></section><section ><span >以往选择传统型增额寿，只用专注产品本身即可。<br /></span></section><section ><span >但买分红险，得看保险公司的红利实现率和投资能力，二者兼优的保险公司的分红产品会更优质。</span></section><section ><span >所以，在产品之外，我们还需要增加保险公司实力这一项需要分辨。</span></section><section ><span >挑选分红险的底层逻辑说完了，下面言归正传，来综合对比几款产品。</span></section><section ><span style="color: rgb(33, 89, 103)"><strong>二、</strong></span></section><section ><span >我们以10岁男孩，总交30万为例，分趸交、3/5/10年交来看。<br /></span></section><section ><span ><strong><span style="color: rgb(0, 128, 255)">1、保底利益</span></strong><br /></span></section><section label="edit by 135editor" ><section><section ><section ><section ><section style="text-align: left"><section ><br /></section></section></section></section></section><section><section label="edit by 135editor"><section><section ><section ><section ><section style="text-align: left"><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2F1QPP1s0AFkc1uibUNrxgXPq6nCnan3YLt9ETaBRUTL978uKgeRpvTh0JCIt7of8NkxPPoFYfLejXLaZuNdRVgsA%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/1QPP1s0AFkc1uibUNrxgXPq6nCnan3YLt9ETaBRUTL978uKgeRpvTh0JCIt7of8NkxPPoFYfLejXLaZuNdRVgsA/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section></section></section><section ><section style="text-align: left"><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2F1QPP1s0AFkc1uibUNrxgXPq6nCnan3YLtXziaEAxlFw7UW6BicjibwxFVTOxPmFs4pzzvrAcqtibYibqjDwBm7t6KT8A%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/1QPP1s0AFkc1uibUNrxgXPq6nCnan3YLtXziaEAxlFw7UW6BicjibwxFVTOxPmFs4pzzvrAcqtibYibqjDwBm7t6KT8A/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section></section></section><section ><section style="text-align: left"><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2F1QPP1s0AFkc1uibUNrxgXPq6nCnan3YLtpibe8qcZ4hicVjxqJKlAMuviaPHomtK3SvphmCuIh03zdhwib8ceoUee0g%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/1QPP1s0AFkc1uibUNrxgXPq6nCnan3YLtpibe8qcZ4hicVjxqJKlAMuviaPHomtK3SvphmCuIh03zdhwib8ceoUee0g/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section></section></section><section ><section style="text-align: left"><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2F1QPP1s0AFkc1uibUNrxgXPq6nCnan3YLtU6Ahn33bVykSkkP439zHNJWZciaEXyHItB0FC5SdGCaYicsXfib2ZgIUQ%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/1QPP1s0AFkc1uibUNrxgXPq6nCnan3YLtU6Ahn33bVykSkkP439zHNJWZciaEXyHItB0FC5SdGCaYicsXfib2ZgIUQ/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section></section></section></section></section><section style="text-align: center"><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><section><section ><span >六款产品中，中邮的悦享盈佳不支持趸交，其余几款4个缴费期都支持。</span></section><section ><strong><span >保底利益比较亮眼的是中意的一生中意，</span></strong></section><section ><strong><span >趸交、三年交和十年交都是最高的，五年交最高的是复保的星福家。</span></strong><span ><br /></span></section><section ><span >前三甲基本集中在一生中意、星福家和悦享盈佳之中，我们来看下这三款的IRR：</span></section><section label="edit by 135editor"><section><section ><section ><section ><section style="text-align: left"><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2F1QPP1s0AFkc1uibUNrxgXPq6nCnan3YLthCNGh5YiazTS0F5lTjIPYlDjGQcekmiblFZPmtbSx6V3ZUqQEThZ1FyA%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/1QPP1s0AFkc1uibUNrxgXPq6nCnan3YLthCNGh5YiazTS0F5lTjIPYlDjGQcekmiblFZPmtbSx6V3ZUqQEThZ1FyA/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section></section></section><section ><section style="text-align: left"><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2F1QPP1s0AFkc1uibUNrxgXPq6nCnan3YLt3ol7ZuiawapMt9U8E4ghmpeiaZicgicJrVWaXdfbDWw324M0xyKd43SkLA%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/1QPP1s0AFkc1uibUNrxgXPq6nCnan3YLt3ol7ZuiawapMt9U8E4ghmpeiaZicgicJrVWaXdfbDWw324M0xyKd43SkLA/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section></section></section><section ><section style="text-align: left"><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2F1QPP1s0AFkc1uibUNrxgXPq6nCnan3YLtanicXRsp0sSalh0Z7qSZhqx0CxpnBBic0aw55faicqqoPKouwc2wtY4dA%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/1QPP1s0AFkc1uibUNrxgXPq6nCnan3YLtanicXRsp0sSalh0Z7qSZhqx0CxpnBBic0aw55faicqqoPKouwc2wtY4dA/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section></section></section><section ><section style="text-align: left"><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2F1QPP1s0AFkc1uibUNrxgXPq6nCnan3YLtu42F1k5xOsOcQ0NFLEAFO1e7k11LrMU8X8ObaXiapicvGFN9r1uks7Ww%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/1QPP1s0AFkc1uibUNrxgXPq6nCnan3YLtu42F1k5xOsOcQ0NFLEAFO1e7k11LrMU8X8ObaXiapicvGFN9r1uks7Ww/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section></section></section></section></section><section><p style="text-align: center"><span style="color: rgb(136, 136, 136)">左右滑动查看更多</span></p></section></section></section><section label="edit by 135editor"><section><section ><section ><section ><section style="text-align: left"><section ><br /></section></section></section></section></section></section><section><section ><span ><strong >综合收益表现最好的两款产品是：一生中意、星福家。</strong></span></section><section ><span >需要注意的是，星福家与一生中意的现价差距非常之小，几乎可以把这两款产品的保底收益划等号了。<br /></span></section><section ><span >通过IRR也能看出两款收益很接近，持有50年：<br /></span></section><section ><span style="color: rgb(136, 136, 136)">趸交时，一生中意2.325%，星福家2.324%；</span></section><section ><span style="color: rgb(136, 136, 136)">三年交时，两款产品都为2.32%；<br /></span></section><section ><span style="color: rgb(136, 136, 136)">五年交时，两款产品都为2.317%；<br /></span></section><section ><span style="color: rgb(136, 136, 136)">十年交时，一生中意2.302%，星福家2.258%。</span></section><section ><span >如果给保底部分收益排个序的话：<strong>一生中意≈星福家＞悦享盈佳</strong>，</span></section><section ><span >另外一生中意和星福家的保底收益已是分红险中顶格的存在了。<br /></span></section></section></section></section></section><section ><span ><strong><span style="color: rgb(0, 128, 255)">2、红利利益</span></strong></span></section><section ><span style="text-align: left">我们仍旧以10岁男孩，总交30万为例，分缴费期来看。</span></section><section label="edit by 135editor" ><section><section ><section ><section ><section style="text-align: left"><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2F1QPP1s0AFkc1uibUNrxgXPq6nCnan3YLtLSic1zh6vnmstPAiakxs1BPibwJpricUJk5UODqHFcJA4dJOkubUDnDO1w%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/1QPP1s0AFkc1uibUNrxgXPq6nCnan3YLtLSic1zh6vnmstPAiakxs1BPibwJpricUJk5UODqHFcJA4dJOkubUDnDO1w/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section></section></section><section ><section style="text-align: left"><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2F1QPP1s0AFkc1uibUNrxgXPq6nCnan3YLt237Qyce6PEUn71COyCdY2HJpSvibFaMNH91NqhX7vMXe6E22cnABjgA%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/1QPP1s0AFkc1uibUNrxgXPq6nCnan3YLt237Qyce6PEUn71COyCdY2HJpSvibFaMNH91NqhX7vMXe6E22cnABjgA/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section></section></section><section ><section style="text-align: left"><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2F1QPP1s0AFkc1uibUNrxgXPq6nCnan3YLtyvkeaSoJo9CRX7sXApDl38WxNQUh071gugicY23h23iaddEmFxupTNYg%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/1QPP1s0AFkc1uibUNrxgXPq6nCnan3YLtyvkeaSoJo9CRX7sXApDl38WxNQUh071gugicY23h23iaddEmFxupTNYg/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section></section></section><section ><section style="text-align: left"><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2F1QPP1s0AFkc1uibUNrxgXPq6nCnan3YLtgoMP2T0keDBgTUwmdaoUzpPibHSCyia488PSyDaHPiauCBO5UYDl8GkTg%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/1QPP1s0AFkc1uibUNrxgXPq6nCnan3YLtgoMP2T0keDBgTUwmdaoUzpPibHSCyia488PSyDaHPiauCBO5UYDl8GkTg/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 ><span >分缴费期来看，趸交前30年一生中意最高，后20年星福家最高；</span></section><section ><span >三年交，一生中意与星福家前30年难分伯仲，星福家只有微弱的优势，30年后星福家的优势变大；<br /></span></section><section ><span >五年交，和三年交时的情形差不多；<br /></span></section><section ><span >十年交，和趸交类似，前34年一生中意最高，之后星福家领先。<br /></span></section><section ><span >这两款产品非常优秀，我们以趸交为例，通过IRR超过3.0%、3.5%两个时间节点看看这俩的回报数据：</span></section><section ><span ><strong style="text-align: left"><span >一生中意和星福家都仅需持有10年，IRR即可超过3.0%，保单22年超过3.5%；</span></strong></span></section><section ><span >给含分红部分收益排个序的话，<strong>中短期持有（30年左右）一生中意最强，长期则是星福家。</strong><br /></span></section></section></section><section ><span style="color: rgb(0, 128, 255)"><strong>3、保司实力</strong></span></section><section style="text-align: left"><span >六家保险公司都是中外合资险企，除了中邮人寿之外，其余五家都是中外各持股50%。</span></section><section ><span >中方股东中最突出的就是<strong>中石油</strong>了，<strong>2023年世界500强第五位</strong>，</span></section><section ><span >中央直接管理的国有特大型央企，<strong>断层领先于其余中方股东</strong>。</span></section><section ><span >外资股东中最强的也是中意人寿的股东，<strong>意大利忠利保险公司</strong>，<strong>2023年世界500强第137位。</strong></span></section><section ><span >创立至今已有193年，经历了两次世界大战和无数次金融危机，依然屹立不倒。<br /></span></section><section ><span >中意的中外股东可谓是强强联手，并且其经营非常稳健，偿付能力数据也相当不错。</span></section><section ><span >风险综合评级为寿险行业的顶格标准<strong>AAA</strong>级别，能达到这个水准的只有6家保险公司。</span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2F1QPP1s0AFkc1uibUNrxgXPq6nCnan3YLtrZgrqZDZCR3rbnvgmU42yDFPh1U4dNFuVjLsob4qaSblWM2xNsTwXQ%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/1QPP1s0AFkc1uibUNrxgXPq6nCnan3YLtrZgrqZDZCR3rbnvgmU42yDFPh1U4dNFuVjLsob4qaSblWM2xNsTwXQ/640?wx_fmt=png&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)">中意人寿股东构成</span><br /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2F1QPP1s0AFkc1uibUNrxgXPq6nCnan3YLt19lKJwzaJT0diaWuib3iauVaibJLB1y4FibWEUvypdpHDCibPXqyicgBxXS3Q%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/1QPP1s0AFkc1uibUNrxgXPq6nCnan3YLt19lKJwzaJT0diaWuib3iauVaibJLB1y4FibWEUvypdpHDCibPXqyicgBxXS3Q/640?wx_fmt=png&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)"><span style="color: rgb(136, 136, 136)">陆家嘴国泰人寿<span style="text-align: center">股东</span></span><span style="text-align: center">构成</span></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2F1QPP1s0AFkc1uibUNrxgXPq6nCnan3YLtV0BPeZQ43lmsuvOtz0iaibdvvOFibCSBrGPnhtmSjvbssPfVLiaaEwMslA%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/1QPP1s0AFkc1uibUNrxgXPq6nCnan3YLtV0BPeZQ43lmsuvOtz0iaibdvvOFibCSBrGPnhtmSjvbssPfVLiaaEwMslA/640?wx_fmt=png&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)">恒安标准人寿<span style="text-align: center">股东构成</span></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2F1QPP1s0AFkc1uibUNrxgXPq6nCnan3YLtVvDFbk1oVzEI4oic4cUnGiaiarDZnsYia7ugW4y0MsMKqBA0ibAVBGWVpOA%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/1QPP1s0AFkc1uibUNrxgXPq6nCnan3YLtVvDFbk1oVzEI4oic4cUnGiaiarDZnsYia7ugW4y0MsMKqBA0ibAVBGWVpOA/640?wx_fmt=png&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)">中英人寿股东构成</span><br /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2F1QPP1s0AFkc1uibUNrxgXPq6nCnan3YLtCbedTlIJdItDibGDWH9LXXZYoicOCGjPbUCLAf4ElmrxKU7odZhMnQyg%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/1QPP1s0AFkc1uibUNrxgXPq6nCnan3YLtCbedTlIJdItDibGDWH9LXXZYoicOCGjPbUCLAf4ElmrxKU7odZhMnQyg/640?wx_fmt=png&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)">复星保德信人寿股东构成</span><br /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2F1QPP1s0AFkfVEOSdWeJNmyiaUDPIf3y7CcicuynQYXoEHibxKicFSV4uY13l1pG0DLvG7VibPHOTaOUbVVXWxyfMXvQ%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26wx_co%3D1" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/1QPP1s0AFkfVEOSdWeJNmyiaUDPIf3y7CcicuynQYXoEHibxKicFSV4uY13l1pG0DLvG7VibPHOTaOUbVVXWxyfMXvQ/640?wx_fmt=png&from=appmsg&wxfrom=5&wx_lazy=1&wx_co=1" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center"><span style="color: rgb(136, 136, 136)">中邮人寿股东构成</span></section><section style="text-align: left"><span style="color: rgb(0, 128, 255)"><strong><span >4、历史分红实现率</span></strong></span><span ><br /></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2F1QPP1s0AFkc1uibUNrxgXPq6nCnan3YLtTESkg7ZicILN0KQibEFdIlpxFWHSuZBpmvo7LDON8oDEW7YYAFU8oORQ%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/1QPP1s0AFkc1uibUNrxgXPq6nCnan3YLtTESkg7ZicILN0KQibEFdIlpxFWHSuZBpmvo7LDON8oDEW7YYAFU8oORQ/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: left"><span >中意人寿和恒安标准人寿可以划归一类，公布年限和产品总数都较多，并且分红实现率全数达成100%+。<br /></span></section><section style="text-align: left"><span >陆家嘴国泰人寿公布年限最长，参考价值比较高，产品数也不少，但有3款产品没有达到100%，当然有点波动也实属正常，整体来看也还是很不错的。<br /></span></section><section style="text-align: left"><span >中英、复保、中邮为一类，分红实现率都达到100%，披露了一年的数据，产品数量也略少，但目前来看数据也都达标。</span></section><section style="text-align: left"><span style="color: rgb(0, 128, 255)"><strong><span >5、投资能力</span></strong></span></section><section style="text-align: left"><span >统计了几十家保险公司的投资收益率：<br /></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2F1QPP1s0AFkc1uibUNrxgXPq6nCnan3YLtkZmCYp9E8ueVgo9L2E43UNgb0eQFp5ghfp8fl1TxTqeAJHSgjqG4JQ%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/1QPP1s0AFkc1uibUNrxgXPq6nCnan3YLtkZmCYp9E8ueVgo9L2E43UNgb0eQFp5ghfp8fl1TxTqeAJHSgjqG4JQ/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: left"><span >纵观近三年的平均投资收益率，前10名有3家：</span></section><section style="text-align: left"><strong><span >陆家嘴国泰人寿第3，中英人寿第5，中意人寿第9。</span></strong></section><section style="text-align: left"><span style="color: rgb(33, 89, 103)"><strong>三、</strong></span></section><section style="text-align: left"><span >最后总结一下，从挑选分红险的五个维度来看，<strong>一生中意的综合实力最强</strong>。</span></section><section style="text-align: left"><span ><strong>从收益上来看</strong>，一生中意的保底利益是天花板的存在，其他产品只能接近，很难全面超越；</span></section><section style="text-align: left"><span >含红利的利益，在前30年左右，基本无人能敌。</span></section><section style="text-align: left"><span >后期虽然会被星福家超越，</span><span >但持有30甚至40年的难度实在太大，鲜有人能坚持住不减保取现；</span></section><section style="text-align: left"><span >并且从封闭期的角度看，一生中意也是最优解。</span></section><section style="text-align: left"><span ><strong>从保司实力上看</strong>，中意人寿中外股东强强联合，双双世界500强，并且从公司规模和运营状况上看，中意人寿也都是拔尖的。</span></section><section style="text-align: left"><span ><strong><span >从分红实现率上看</span></strong><span >，披露了近3年51款分红险的实现率，全数达成100%+，样本充足，数据达标，公司运营稳健，有理由相信能保持下去。</span></span></section><section style="text-align: left"><span ><strong><span >从投资能力上看</span></strong><span >，近3年的平均投资收益率能排进前10，并且中意人寿旗下还有自己的投资管理公司，近5年净利润均有增长，ROE指标极为靠前。</span></span></section><section style="text-align: left"><span >目前看下来，一生中意几乎没有短板，是当前最优质的分红险。<br /></span></section><section style="text-align: left"><span >当然，今天测评的其他产品也都是目前的好产品，可以当个备选。</span></section><section style="text-align: left"><span ><br /></span></section><section style="text-align: left"><span ><strong style="text-align: left; color: rgb(0, 0, 0)"><span style="color: rgb(33, 89, 103)"><em ><strong >有问题，可扫描</strong></em><em ><strong >下图二维码咨询我团队的专业规划老师。</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></section><p ></mp-style-type></p>
