<section ><span >好产</span><span >品接连</span><span >下架</span><span >，</span><span >加上愈加严格的<span >监管</span>。</span><br /></section><section ><span >本以为接下来的一段时间，增额市场不会有啥波动。</span></section><section ><span >国联人寿却在这时递来一个惊喜——<strong>鑫运两全险</strong>。</span></section><section ><span >不少人将其视作接棒过往爆款鑫运一生（<span >益</span><span >利多2.</span><span >0</span>）的产品。</span></section><section ><span >它是否能扛起大旗，再续辉煌呢？</span></section><section ><span style="color: rgb(33, 89, 103)"><strong><span style="color: rgb(33, 89, 103)">一、</span></strong></span></section><section ><span >“现金价值”是衡量一款增额产品是否能作为家庭资产储蓄方式重要因素之一。</span></section><section ><em><span style="color: rgb(136, 136, 136)">现金价值：退保能拿回来的钱。</span></em></section><section ><span >为了考量鑫运的真实水平，直接来看其与市场第一梯队增额产品的对比。</span></section><section ><span >以10岁男孩，总保费30万为例。</span></section><section ><strong><span >1、趸交（一次性交）</span></strong><span ><br /></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_jpg%2F1QPP1s0AFkdQQgDK6y4kyOX8WpcDZZYkJoLZQMMhEWZT28dJKGYgY04EeiaG9Tw9b8IbJJsYAPcuibpwx24op6LA%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_jpg/1QPP1s0AFkdQQgDK6y4kyOX8WpcDZZYkJoLZQMMhEWZT28dJKGYgY04EeiaG9Tw9b8IbJJsYAPcuibpwx24op6LA/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><section ><span >明显，鑫运两全的<span >早</span><span >期数据表现一般，</span><span >短</span><span >期持有就不建议买</span><span >了</span><span >。</span></span></section><section ><span >这款优势</span><span >主要</span><span >体现在中</span><span >后期</span><span >。</span></section><section ><span >从第17年开始</span><span >，现金价值放眼全市场完全没对手</span><span >。</span><br /></section><section ><span >对于追求中长期资产配置的人群，该产品极具竞争力。</span></section><section ><span >特别是该产品支持对接保险金信托、隔代投保、第二投保人（功能开发中），都很契合资产的传承需求。<br /></span></section><section ><span >做资产传承一般都是长期规划，鑫运能扩大财富规模，且现金价值升值很快，趸交前提下，退保利率最高能达到3.48%。<br /></span></section><section ><span >该缴费期下，鑫运的优势不言自明。<br /></span></section><section ><strong><span >2、三年交</span></strong></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_jpg%2F1QPP1s0AFkdQQgDK6y4kyOX8WpcDZZYkVPaQ4gb3vFnbiaiaBkov8licHNSI5VhSMibssS3iaxgHZeAZmTcvy5ONjvg%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_jpg/1QPP1s0AFkdQQgDK6y4kyOX8WpcDZZYkVPaQ4gb3vFnbiaiaBkov8licHNSI5VhSMibssS3iaxgHZeAZmTcvy5ONjvg/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center"><span >三年交</span></section><section ><span >3年交的鑫运两全在当前异常平庸。</span></section><section ><span >持有保单10年，鑫运的现金价值少最高的如意永享足足6.3万。</span></section><section ><span >短期储蓄仍然不太合适。</span></section><section ><span >虽然鑫运的后期现金价值也有所增长，但始终落后较多。</span></section><section ><span ><span >鉴于可替代产品太多，<span >鑫运</span><span >两全</span>的竞争力着实不强。</span></span></section><section style="text-align: left"><span ><strong >3、五/十年交</strong></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_jpg%2F1QPP1s0AFkdQQgDK6y4kyOX8WpcDZZYkfORZRjXibgQlgWLhgGoOeNaYjibv4htPSkBcaRPLicuI9A8iaFEh2Hc4AA%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_jpg/1QPP1s0AFkdQQgDK6y4kyOX8WpcDZZYkfORZRjXibgQlgWLhgGoOeNaYjibv4htPSkBcaRPLicuI9A8iaFEh2Hc4AA/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center"><span >五年交</span><br /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_jpg%2F1QPP1s0AFkdQQgDK6y4kyOX8WpcDZZYkNLIRg3adicwibyt3Q7ic4xwQhOePw5AYLKkwUrfmMHUibzRnLl3c8oV9hg%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_jpg/1QPP1s0AFkdQQgDK6y4kyOX8WpcDZZYkNLIRg3adicwibyt3Q7ic4xwQhOePw5AYLKkwUrfmMHUibzRnLl3c8oV9hg/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center"><span >十年交</span><br /></section><section ><span >五年交和十年交的情况，虽不比趸交强势，但相比3年交有所好转。</span></section><section ><span >将鑫运与现金价值第一的产品进行对比，持有保单20年时：</span></section><section ><span >五年交，鑫运少如意永享9489元；<br /></span></section><section ><span >十年交，鑫运少<span >如意永享</span>8669元。</span></section><section ><span >当持有保单50年时，差额才能来到2~3万元。</span></section><section ><span >持有一份储蓄型保单，二三十年基本上已经满足需求。</span></section><section ><span >综合来看，</span></section><section ><strong><span style="color: rgb(33, 89, 103)">鑫运两全险在趸交时优势最明显。<br /></span></strong></section><section ><strong><span style="color: rgb(33, 89, 103)">五年交和十年交次之，三年交则差强人意</span></strong><span >。</span></section><section ><span >其实鑫运的现金价值并不低，无奈的是对手在其他几个缴费期下优势过于明显。</span></section><section ><span style="color: rgb(33, 89, 103)">二、</span></section><section ><span style="color: rgb(33, 89, 103)"><strong><span ></span></strong></span></section><section style="text-align: left"><span >了解完现金价值，我们再来看看鑫运的基础责任。</span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_jpg%2F1QPP1s0AFkd5no6CJJXuCIWSPR2m0RWOMrc6zV8HXnDUCtRhVet5iakBbo5lOpzgfP6sctWib3oMbwHbaeFv5yQg%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_jpg/1QPP1s0AFkd5no6CJJXuCIWSPR2m0RWOMrc6zV8HXnDUCtRhVet5iakBbo5lOpzgfP6sctWib3oMbwHbaeFv5yQg/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><section ><span >两全险，同终身寿险一样，也是以被保人身故或全残为触发条件。</span></section><section ><span >鑫运两全的承保年龄在0-70岁之间，可保至100岁。</span><br /></section><section ><span >虽然“保至100岁”听起来比终身寿险的“保至终身”弱一些，实际上，两者的保险期间长度足够用了。</span></section><section ><span >支持全缴费期，<strong>退保利率最高可达3.48%</strong>。</span></section><section ><span >还支持隔代投保、保险金信托、第二投保人等特色功能，</span><span >满足特定人群的资产配置需求。</span></section><section ><span >承保公司<strong >国联人寿</strong>也很强，是江苏省三大国资险企之一。</span></section><section ><span ><span style="text-align: left">公司实控人为</span>无锡市人民政府国资委<strong style="color: rgba(0, 0, 0, 0.9); text-align: left">。</strong></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2F1QPP1s0AFkd5no6CJJXuCIWSPR2m0RWOhXWKSsIWDCjQIOGS63Q86GlC4siap8hjIwPmzx01KTJHgrgaficUp0ng%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/1QPP1s0AFkd5no6CJJXuCIWSPR2m0RWOhXWKSsIWDCjQIOGS63Q86GlC4siap8hjIwPmzx01KTJHgrgaficUp0ng/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><span ><strong style="color: rgba(0, 0, 0, 0.9); text-align: left"></strong></span></section><section ><span ></span></section><section style="text-align: left"><strong><span style="color: rgb(33, 89, 103)">对于有储蓄需求，并且希望能兼顾功能方面，鑫运无疑是一个很好的选择。</span></strong></section><section style="text-align: left"><span ><span style="text-align: left"><span style="text-align: left">近期增额类产品不断</span><span style="text-align: left">下架，</span></span></span><span >我还没从这边缓过劲来</span><span >，年金险下架的消息已经接踵而至。</span></section><section style="text-align: left"><span >事实证明，监管已经开始动手，预定利率3.5%的产品还能存续多久尚未可知。<br /></span></section><section style="text-align: left"><span >对于存续的高现金价值产品，</span><span >只能说一句：</span><span style="color: rgb(33, 89, 103)">且珍惜~</span></section><section ><section ><section label="Powered by 365editor" ><section style="text-align: center; color: rgb(163, 163, 163) !important"><span style="color: rgb(33, 89, 103)"></span></section><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FO95eeDepqTO1KmSN6nDROWblhVFxxYXzKuynrkK6HnMe0ichpzQyyQr6Wnic6m0udMzOsG4pr5G5uH1r2Rg0QmWg%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/O95eeDepqTO1KmSN6nDROWblhVFxxYXzKuynrkK6HnMe0ichpzQyyQr6Wnic6m0udMzOsG4pr5G5uH1r2Rg0QmWg/640?wx_fmt=gif" alt="懂保爷测评配图" loading="lazy" /></section><section ></mp-common-profile></section></section></section></section><p ></mp-style-type></p>
