<section style="text-align: center"><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447790313&idx=2&sn=55e0cf403a3327c58f7dfcc77ea888c8&chksm=b2b077ab85c7febda44a18349455223c46e61a6d8082f6f51e7dcbb9a81e93eba23d8e4d1845&scene=21#wechat_redirect" textvalue="你已选中了添加链接的内容" tab="innerlink"><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEcztskunFytwCia8wiaepDysSMfiaiciazXxXTEXibUkeFbaagbL1xViaKusctmdSopldbmv5sCd1rIiaRYJ0sQ%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEcztskunFytwCia8wiaepDysSMfiaiciazXxXTEXibUkeFbaagbL1xViaKusctmdSopldbmv5sCd1rIiaRYJ0sQ/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></span></a></section><section style="text-align: center"><span style="color: rgb(136, 136, 136)">点上方图片看看【封面图的故事】</span></section><section ><span ><br /></span></section><p ><span >一个好消息，增额寿险<span style="color: rgb(53, 53, 53); text-align: start">“常青树”——信泰<strong>如意尊</strong>系列更新了。</span></span></p><p ><span ><span style="color: rgb(53, 53, 53); text-align: start"><br /></span></span></p><p ><span ><span style="color: rgb(53, 53, 53); text-align: start">名字就标题上的：<strong>如意尊（星光版）</strong>。</span></span></p><p ><span ><span style="color: rgb(53, 53, 53); text-align: start"><br /></span></span></p><p ><span ><span style="color: rgb(53, 53, 53); text-align: start">作为大陆增额寿险的开拓者，</span></span></p><p ><span ><span style="color: rgb(53, 53, 53); text-align: start"><br /></span></span></p><p ><span ><span style="color: rgb(53, 53, 53); text-align: start">信泰人寿早在2013年就上线了首款增额寿险并一炮而红，</span></span><span ><span style="color: rgb(53, 53, 53); text-align: start">堪称</span></span><span style="color: rgb(53, 53, 53); text-align: start">鼻祖</span><span style="color: rgb(53, 53, 53); text-align: start">级</span><span style="color: rgb(53, 53, 53); text-align: start">别。</span></p><p ><br /></p><p ><span ><span style="color: rgb(53, 53, 53); text-align: start">虽在后期难以维持领先地位，可传承下来的如意尊系列，仍是增额寿市场的<span style="color: rgb(53, 53, 53); text-align: start">“招牌”</span>之一。</span></span></p><p ><span ><span style="color: rgb(53, 53, 53); text-align: start"><br /></span></span></p><p ><span ><span style="color: rgb(53, 53, 53); text-align: start">这样的新品，自然值得说道说道。</span></span></p><p ><br /></p><p ><span ><span style="color: rgb(53, 53, 53); text-align: start"><br /></span></span></p><p ><span ><span style="color: rgb(53, 53, 53); text-align: start"><span style="color: rgb(33, 89, 103)"><strong style="color: rgb(33, 89, 103)"><span >一、</span></strong></span></span></span></p><p ><span ><br /></span></p><p ><span >增额终身寿险是啥已经不必多说，</span></p><p ><span ><br /></span></p><p ><span >大家只要记住，这是目前最牛x的存钱理财方式：</span></p><p ><span ><br /></span></p><ul ><li ><p ><span >相当于在保险公司办了一张高收益的银行卡（安全）；</span></p></li><li ><p ><span >3.5%复利增值（高收益）；</span></p></li><li ><p ><span >可以自由支取，无手续费（灵活）；</span></p></li><li ><p ><span >可用来存钱理财、养老、子女教育等。</span></p></li></ul><section ><span ><br /></span></section><section ><span >因为秀到飞起，高收益增额终身寿在去</span><span >年底被</span><span >“封杀”了互联网渠道。</span></section><section ><span ><br /></span></section><section ><span >部分产品就此停售，部分产品被迫转至线下。</span></section><section ><span ><br /></span></section><section ><span >像如意尊（星光版）就是一款信泰人寿在线下渠道推出的新品。</span></section><section ><span ><br /></span></section><section ><span >当然，转至线下不意味着能偏安一隅。</span></section><section ><span ><br /></span></section><section ><span >因为增额寿不是问题根源，复利3.5%才是，线下渠道的高收益增额寿迟早也要停售。</span></section><section ><span ><br /></span></section><section ><span ></span></section><section ><span style="color: rgb(136, 136, 136)"><br /></span></section><section ><span style="color: rgb(33, 89, 103)">二、</span></section><section ><br /></section><section ><span >我们下面来看新品，先看收益（增额寿的现金价值即账户金额）：</span></section><section ><span ><br /></span></section><section ><span ><span >通过对比评测目前</span><strong >线上、线下</strong><span >所有的高收益增额寿，</span></span></section><section ><br /></section><section ><span >以35岁女性，年交6万，交5年，总投入30万为例：</span></section><section ><span ><br /></span></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTMdAaOj2ic87s8piaLnn2OxTR4x5w2bavuJat1EhVomAvC7Mo4UyiaZ2po7keiaOhMVXvHhRHxibJicJDlw%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTMdAaOj2ic87s8piaLnn2OxTR4x5w2bavuJat1EhVomAvC7Mo4UyiaZ2po7keiaOhMVXvHhRHxibJicJDlw/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section style="text-align: center"><span style="color: rgb(136, 136, 136)">红色标记为某时间点几款产品中收益最高的那款</span><br /></section><section style="text-align: center"><br /></section><section ><span style="color: rgb(33, 89, 103)">就收益来看，</span></section><section ><br /></section><section ><span ><strong>如意尊（星光版）</strong>已经是增额寿险的<span >第一梯队</span>，</span></section><section ><span ><strong><br /></strong></span></section><section ><span >和此前第一推荐的<strong>金玉满堂</strong></span><span style="color: rgb(136, 136, 136)">（也叫<strong>金满意足臻享版</strong>）</span><span >收益差距不大。</span><span ></span></section><section ><span ><br /></span></section><p ><span >35岁购买，5年交，本金30万：</span></p><p ><br /></p><ul ><li ><p ><span >60岁时，账户价值约66万，是本金的2.2倍，约合年化单利5.23%；</span></p></li><li ><p ><span >70岁时，账户价值约93万，是本金的3.1倍，约合年化单利6.39%；</span></p></li><li ><p ><span >80岁时，账户价值约131万，是本金的4.4倍，约合年化单利7.87%！</span><span ></span></p></li></ul><section ><span ><br /></span></section><section ><span >不过如意尊（星光版）有2个小缺点，</span></section><section ><br /></section><section ><span ></span><span >一是最长只支持10年缴费，想长期投入（15年以上），只能选择金玉满堂等其他产品了，如下：</span></section><section ><br /></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTMdAaOj2ic87s8piaLnn2OxTR26A24wnuiboI47uk1HtHjbty7JiayhdPa7nDFjc5LbxA8eAYln0ibt9tg%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTMdAaOj2ic87s8piaLnn2OxTR26A24wnuiboI47uk1HtHjbty7JiayhdPa7nDFjc5LbxA8eAYln0ibt9tg/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><p style="text-align: center"><br /></p><section ><span >二是如意尊（星光版）减保有个限制：</span><strong><span >每年最多</span><span >减保20%已交保费</span></strong><span >。</span></section><section ><span ><br /></span></section><section ><span >例如买了30万如意享（星光版</span><span >），每年最多减保取现6万，想取出更多，只能选择退保全部取出了。</span></section><section ><span ><br /></span></section><section ><span >个人觉得影响不算很大，毕竟一般情况20%够用，特殊情况全部取出也没关系。</span></section><section ><span ><br /></span></section><section ><span >真介意的朋友，就别选如意尊（星光版）了，<strong>金玉满堂</strong>更好，减保几乎没限制，收益也更高。</span></section><section ><span ></span></section><section ><span ><br /></span></section><section ><span ><br /></span></section><section ><span style="color: rgb(33, 89, 103)">三、</span></section><section ><br /></section><section ><span >看完收益对比，再看下</span><span >回本时间</span><span style="color: rgb(136, 136, 136)">（单位是年）</span><span >▼：</span></section><section ><span ><br /></span></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTMdAaOj2ic87s8piaLnn2OxTRmYOAFMt7p8ibMlUmDAJicr91kK08CTzNnRVD4qevVKgWq3e6Gib6Xwqfg%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTMdAaOj2ic87s8piaLnn2OxTRmYOAFMt7p8ibMlUmDAJicr91kK08CTzNnRVD4qevVKgWq3e6Gib6Xwqfg/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section ><br /></section><section ><span >结合我们挑选增额终身寿的三要素：</span></section><section ><span ><br /></span></section><section ><strong><span >收益、加保、回本时间。</span></strong></section><section ><br /></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTMdAaOj2ic87s8piaLnn2OxTROFZXee38qY1Cy0c3NX4fJvj5BicetStfUGUIznfibwgOz2BiaWObBmx1g%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTMdAaOj2ic87s8piaLnn2OxTROFZXee38qY1Cy0c3NX4fJvj5BicetStfUGUIznfibwgOz2BiaWObBmx1g/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><p ><br /></p><p ><span >很明显，</span><strong><span >金玉满堂</span></strong><span >（金满意足臻享版）依然是<strong >第一推荐</strong>。</span></p><p ><span ><br /></span></p><p ><span >收益No.1，保单贷款利率最低（目前仅<strong>4.5%</strong>），可以加保，回本也快。</span></p><p ><span ><br /></span></p><p ><span >最重要的<strong>减保取钱花</strong>，保险合同生效满14个月后即可申请，不限时间次数。</span></p><p ><br /></p><p ><span style="color: rgb(33, 89, 103)">Ps：购买链接可添加助理微信获取：dongbaoye888</span><span ></span></p><p ><span ><br /></span></p><p ><span >至于<strong>如意尊（星光版）</strong>，</span></p><p ><span ><br /></span></p><p ><span >考虑到它收益真心不差（和金玉满堂差距不大），加上信泰人寿可投保区域较多（11个省市，未来会更多）。</span></p><p ><span ><br /></span></p><p ><strong><span >推荐不想异地投保的朋友购买。</span></strong><span ></span></p><p ><strong><span ><br /></span></strong></p><p ><span >二者对比：</span></p><p ><strong><span ><br /></span></strong></p><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTMdAaOj2ic87s8piaLnn2OxTRI56jQ7FzyG1NKPD7PBoPNm0Y056Mic4icXj5SQOZysJPBCJFBRpRDNlw%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTMdAaOj2ic87s8piaLnn2OxTRI56jQ7FzyG1NKPD7PBoPNm0Y056Mic4icXj5SQOZysJPBCJFBRpRDNlw/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><p ><br /></p><p ><span >如意尊（星光版）购买入口：</span></p><p ><br /></p><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTMdAaOj2ic87s8piaLnn2OxTRXvXjkyHdmyMSAkMXIbPAeQTgBOBEyNZsVasDz1qibbsCRZPCsZ37lHw%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTMdAaOj2ic87s8piaLnn2OxTRXvXjkyHdmyMSAkMXIbPAeQTgBOBEyNZsVasDz1qibbsCRZPCsZ37lHw/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section style="text-align: center"><span style="color: rgb(136, 136, 136)">长按识别二维码购买</span></section><p ><span ><br /></span></p><p ><span >最后把最新理财险挑选思路图分享给大家 <strong>▼：</strong></span></p><p ><span style="text-align: center"><br /></span></p><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTMdAaOj2ic87s8piaLnn2OxTRL20dD6uicSYIpXuaTBMPLQb80J3JgjiclYSXfn2MRjIqnoflXGLTD6jw%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTMdAaOj2ic87s8piaLnn2OxTRL20dD6uicSYIpXuaTBMPLQb80J3JgjiclYSXfn2MRjIqnoflXGLTD6jw/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><p style="text-align: center"><br /></p><p ><span >在高收益增额寿险转战线下渠道后，</span></p><p ><br /></p><section ><span ><span style="text-align: left">现在很多产品的购买流程比较复杂</span><span style="text-align: left">，</span><span style="text-align: left">建议大家添加我团队1对1专属老师协助购买。</span></span><strong><span ><span style="text-align: left"></span></span></strong><span ><span style="text-align: left"></span></span></section><section ><span ><br /></span></section><section ><strong ><span style="color: rgba(0, 0, 0, 0.9); text-align: start">有疑问，可以加我助理小琳微信</span><strong style="color: rgb(0, 0, 0)"><span >：</span></strong></strong><strong style="color: rgb(0, 0, 0)"><span >dongbaoye888</span></strong></section><section ><br /></section><section ><span style="color: rgb(0, 0, 0)"><strong ><span >或点击下方</span></strong></span><span ><span style="color: rgb(33, 89, 103)"><strong ><span >公众号“免费咨询”菜单</span></strong></span><span style="color: rgb(0, 0, 0)"><strong ><span >找我团队专业规划老师帮你解决。</span></strong></span></span></section><section></mpprofile></section><section ><span style="color: rgb(0, 0, 0)">相关阅读：</span></section><section ><span style="color: rgb(0, 0, 0)"><br /></span></section><section ><strong ><span >增额寿险评测：</span></strong><span style="color: rgb(0, 0, 0)"><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247492764&idx=1&sn=b02d353d81947e26bfc1fab008ee6b4f&chksm=cfb6071cf8c18e0ae33304a98c7dae7d0e9dcdf28230ea995cfc14da9d628c383413af0c0406&scene=21#wechat_redirect" textvalue="存钱理财首选，增额终身寿就买它" linktype="text" imgurl="" imgdata="null" tab="innerlink">存钱理财首选，增额终身寿就买它</a></span></section><section ><strong ><span >怎么选理财险：</span></strong><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MzIzMzIzNTk4Mg==&mid=2247484196&idx=1&sn=e5b4f7bd19fc5008eac7f634ddcccba5&chksm=e889f045dffe7953bb7c6791cbbfa37919a692f43281323d11d0ab583f484db042b57ff8100d&scene=21#wechat_redirect" textvalue="增额终身寿险和年金险选哪个？" linktype="text" imgurl="" imgdata="null" tab="innerlink" wah-hotarea="click" hasload="1" >增额终身寿险和年金险选哪个？</a></section><section ><span ><strong >增额寿险相关：</strong><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247491282&idx=1&sn=914ea319e17ce77d599060b8e37095ba&chksm=cfb5fd52f8c27444baaedac1d4dd6490f818056c518b0159b6dbefa440e0eabcb28d715be388&scene=21#wechat_redirect" textvalue="很认真地聊一下养老保险" linktype="text" imgurl="" imgdata="null" tab="innerlink" wah-hotarea="click" hasload="1" >很认真地聊一下养老保险</a></span></section><section ><br /></section><section style="text-align: center"><span ><span >— </span><strong >END </strong><span >—</span></span></section><section style="text-align: center"><br /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FO95eeDepqTMPo1WFgwic4R9CzHFtIUiczrkNRONibBIRfJGTrvFFVv9TLx4VFbhuaMT0QD4kklibcE2tribo0a0dDAw%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/O95eeDepqTMPo1WFgwic4R9CzHFtIUiczrkNRONibBIRfJGTrvFFVv9TLx4VFbhuaMT0QD4kklibcE2tribo0a0dDAw/640?wx_fmt=gif" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center"><br /></section><section style="text-align: left"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FAa1Vn4VNXulDSG3kLWEFl66JYfFHuibDsZwPP3g5romOwOBrEvLdFjc8VUrEoXpQflzzTumnt8dW6vKFReAyKnA%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/Aa1Vn4VNXulDSG3kLWEFl66JYfFHuibDsZwPP3g5romOwOBrEvLdFjc8VUrEoXpQflzzTumnt8dW6vKFReAyKnA/640?wx_fmt=gif" alt="懂保爷测评配图" loading="lazy" /><span > <span style="color: rgb(136, 136, 136)">点击阅读原文，</span><span style="text-align: left; color: rgb(136, 136, 136)">查看</span><span style="text-align: left; color: rgb(33, 89, 103)">懂保爷严选【理财、养老、保障】产品汇总</span></span></section><section label="Powered by 135editor.com" ><section ><br /></section><section style="text-align: right"><section ><p style="text-align: center; color: rgb(63, 62, 63)"><span >如有帮助，帮忙点个<span style="color: rgb(33, 89, 103)"><strong >在看</strong></span></span><span style="color: rgb(0, 0, 0)">吧</span><span >，谢谢！</span></p></section></section></section>
