<p style="text-align: justify"><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" /></p><section ><span >今天来聊聊羊毛党的最爱产品，中荷人寿岁岁享2.0。</span></section><section ><span >这是一款护理险，不过因为较高的现金价值，也可以充当增额寿使用。<br /></span></section><section ><span >但这不是它的最大卖点，</span></section><section ><strong><span >能抵税</span></strong><span >，才是岁岁享2.0的核心优势。</span></section><section ><span ></span></section><section ><span ></span></section><section ><span style="color: rgb(33, 89, 103)"><strong><span style="color: rgb(33, 89, 103)">一、</span></strong></span><span ><br /></span></section><section ><span >先看</span><span >产品：</span></section><p ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvTtEIG95N6DypGFFia32BKeGZxAN4yxJRfhtvURl69ze6pZeqpngpyLHmgtKMIxjTDHeNo5z6EPWmg%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvTtEIG95N6DypGFFia32BKeGZxAN4yxJRfhtvURl69ze6pZeqpngpyLHmgtKMIxjTDHeNo5z6EPWmg/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></p><section ><span >明面上岁岁享2.0就是平平无奇的护理险，</span></section><section ><span >能给投保人抵税是它另一重身份决定的——<strong>税优健康险</strong>。</span></section><section ><span >在我们个人所得税专项附加扣除中，税优健康险这项每年有2400元的免税额度（其他抵税项目还有房租/房贷/子女教育等）。</span></section><section ><span >当然，节税的前提，是</span><span >要交税才行。</span></section><section ><span >目前月薪5000元以上才会征税，月收入比这个低的买岁岁享2.0没有任何节税效果。</span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvTtEIG95N6DypGFFia32BKeGxJzxO2IT0qIItTHowc0oFibibkyiaWXmwhr3EqG0nyPJWgoYKdKtJvroA%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvTtEIG95N6DypGFFia32BKeGxJzxO2IT0qIItTHowc0oFibibkyiaWXmwhr3EqG0nyPJWgoYKdKtJvroA/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section ><span >并且岁岁</span><span >享2.0能</span><span >给投</span><span >保</span><span >人带来多大的利益，也是由税率决定的。</span></section><section ><span >工资越高，适用税率越高，节税效果越好，保单回报就越高。</span></section><section ><span ></span></section><section ><span >具体我们来看不同税率下，岁岁享2.0的实际利益。</span></section><section ><span ></span></section><section ><span style="color: rgb(33, 89, 103)"><strong><span style="color: rgb(33, 89, 103)">二、</span></strong></span><span ><br /></span></section><section ><span >先来看0-20%的税率演示，对应的是月收入在30000元以下的人群</span><span >。</span></section><p ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvRiaZCKX43iaicy6BicSepzIkzA0mwdDUT8MCqHuwicptMfuJWzFP45jFNaibNmPkLa0lT5EyYE2f2DjR4Q%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvRiaZCKX43iaicy6BicSepzIkzA0mwdDUT8MCqHuwicptMfuJWzFP45jFNaibNmPkLa0lT5EyYE2f2DjR4Q/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></p><section ><span >可以看到，<span >每年</span><span >缴纳</span><span >2400元</span><span >保费，</span></span></section><section ><span >假设<strong>税率为0</strong>，即未</span><span >达到个税起征点，</span></section><section ><span >存满20年，岁岁享2.0的IRR(复利回报)才能达到1.87%，年化单利只有2.16%；</span><span ></span></section><section ><span >假设<strong>税率3%</strong>，即月入5000-8000档，</span></section><section ><span ><span >存满20年，<span ></span><span >岁岁享的</span></span><span >IRR提升至</span><span >2</span><span >.07</span><span >%</span><span >，但年化</span><span >单利也只有2.43%；</span></span></section><section ><span ><span >这数据什么水平？</span></span><strong><span ><span ><br /></span></span></strong></section><section ><strong><span ><span >直白点<strong ><span ><span >说</span></span></strong>，在税率3%及以下时，岁岁享2.0几乎没有购买价值。</span></span></strong><span ><span ><br /></span></span></section><section ><span >不如去买常规增额终身寿，目前市面好一点的产品20年IRR就有2.3%，单利就有2.75%！</span></section><section ><span >但是，话又说回来，要是税率能到10%以上，即月收入8000元以上，</span></section><section ><span >岁岁享2.0就有利可图了。</span></section><section ><span >假设<strong>税率10%</strong>，<span >存满20年，岁岁享的</span><span >IRR提升至</span><span >2</span><span >.56</span><span >%</span><span >，年化</span><span >单利为3.12%；</span></span></section><section ><span ><span >这比市面最好的增额终身寿还要强。</span></span></section><section ><span ><span ><span >要是</span><strong >税率20%</strong><span >，</span><span >IRR再度提升至3</span><span >.33</span><span >%</span><span >，年化</span><span >单利为4.31%，这数据甚至比分红增额寿</span></span></span><span >还要高！</span></section><section ><span >当然，如果月收入超过30000元档，</span></section><section ><span >税率达到25%以上，这个产品的回报率就更加可观了：</span></section><section ><span ></span></section><p ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvRiaZCKX43iaicy6BicSepzIkzAIgGxqhlexg2yZZgAxceywjiaaiaewyD2ZnHIw0HgaD6lEJic7lKNHNhVw%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvRiaZCKX43iaicy6BicSepzIkzAIgGxqhlexg2yZZgAxceywjiaaiaewyD2ZnHIw0HgaD6lEJic7lKNHNhVw/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></p><section ><span >假设<strong>税率25%</strong>，</span></section><section ><span ><span >存满20年，岁岁享</span><span >IRR为</span><span >3</span><span >.75</span><span >%</span><span >，年化</span><span >单利5.03%；</span></span></section><section ><span >假设<strong>税率35%</strong>，</span></section><section ><span >存满20年，岁岁享IRR<span >为</span>4.69%，年化单利6.8%；</span></section><section ><span >假设<strong>税率45%</strong>，</span></section><section ><span >存满20年，岁岁享IRR<span >为</span>5.8%，年化单利9.2%！</span></section><section ><span >以上</span><span >回报均为固定利益，白纸黑字写进合同，不含任何浮动利益。</span></section><section ><strong><span >只是要注意，高税率下的岁岁享2.0，回报率是逐年下降的。</span></strong><span ></span></section><section ><span >根本原因是节税对回报率的影响在逐年下降，因此不建议<span >长期持有</span>岁岁享2.0（通常30年内），时间差不多退保拿钱即可。</span></section><section ><span ><span ></span></span></section><section ><span >此外，鉴于税优健康险每年抵税额度只有2400元，</span></section><section ><span >岁岁享2.0建议就买2400元一年，毕竟超出的金额就不享受节税效果了；</span></section><section ><span >缴费期选交10年就好，太短金额太低没啥效果，太长不确定因素又变多。<br /></span></section><section ><strong style="color: rgb(33, 89, 103)"><span >三、</span></strong><span ></span></section><section ><span >好了，最后我们来看看这款薅羊毛</span><span >产品怎么用。</span></section><section ><span >实操很简单，买了岁岁享2.0后，在我们的保单右上角，保险公司会提供一个普通保险产品没有的<strong>税优识别码</strong>。<br /></span></section><p ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvRiaZCKX43iaicy6BicSepzIkzA2oqLz8czI8qjR5Pd7RpwuGKufKpDUZC2YWF378Ch8Uro8PYuvcRKMQ%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvRiaZCKX43iaicy6BicSepzIkzA2oqLz8czI8qjR5Pd7RpwuGKufKpDUZC2YWF378Ch8Uro8PYuvcRKMQ/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></p><section ><span >税优识别码是投保税优健康险后</span><span >用于抵税的唯一凭证。</span></section><section ><strong><span >今年投保</span></strong><strong><span >的岁岁享2.0是在明年个税汇算申报时用于抵税（通常是次年3月1日至6月30日内</span></strong><strong><span >办理），</span></strong></section><section ><strong><span >届时在专项附加扣除里点</span></strong><strong><span >击商业健康险，输入税优识别码等</span></strong><strong><span >信息即可。</span></strong></section><section ><span >月入8000以上、想薅点羊毛的朋友，可以行动起来了。</span></section><section ><span >12月31日前投保，都可以抵扣今年的个税</span><span >。</span></section><section ><span ></span></section><section ><span ></span></section><section ><section ><section ><strong ><span >后话：</span></strong></section><section ><span >近期产品变动频繁，我们可能无法对每款产品都进行细致分析。</span></section><section ><span >如对某款产品感兴趣，可以随时联系我，帮您详细分析～</span></section><section ><span >储蓄保险良莠不齐，又涉及家庭重大资产规划，更要仔细甄别。<br /></span></section><section ><span >如需找我咨询，可以扫码联系，让我在最专业的领域帮您少走弯路。</span></section><section ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MzkwODcwMzI2Nw==&mid=2247498620&idx=1&sn=63c7d116b63938f4fb79c716b5140f26&chksm=c0c75830f7b0d126a777b281b7b12406619e8f751bdd16e11113f7ec49476aa42e9088b699b6&scene=21#wechat_redirect" textvalue="为什么选择懂保爷？" linktype="text" imgurl="" imgdata="null" tab="innerlink" hasload="1" style="color: var(--weui-LINK)">为什么选择懂保爷？</a></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvSZbemR2IV8FZJtTcXw902cZCerF6VN8MY58WNsbgr8HHQ3xu9Gb8T1v9lre8noueQibORTEHVRnGg%2F640%3Fwx_fmt%3Dother%26wxfrom%3D5%26wx_lazy%3D1%26wx_co%3D1%26tp%3Dwebp" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvSZbemR2IV8FZJtTcXw902cZCerF6VN8MY58WNsbgr8HHQ3xu9Gb8T1v9lre8noueQibORTEHVRnGg/640?wx_fmt=other&wxfrom=5&wx_lazy=1&wx_co=1&tp=webp" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center"><span ><strong ><span >最后简单跟大家介绍一下自己：</span></strong></span></section><section style="text-align: center"><br /></section><section style="text-align: center"><span >懂保爷平台成立于2018年；</span></section><section style="text-align: center"><span >秉着向上向善的信仰，</span></section><section style="text-align: center"><span >站在客户角度，以客户为中心，测评优中选优</span></section><section style="text-align: center"><span >为客户提供风险转嫁、</span></section><section style="text-align: center"><span >储蓄理财和退休养老方面的优质保险内容与服务。</span></section><section style="text-align: center"><span >全网粉丝1000万+，</span></section><section style="text-align: center"><span >已累计为10万+家庭解决过保险难题。</span></section><section style="text-align: center"><span >以成就安心生活为使命；</span></section><section style="text-align: center"><span >致力于成为新时代中国人信赖首选的保险内容与服务平台。</span></section><section style="text-align: center"><br /></section><section style="text-align: center"><span style="color: rgb(178, 178, 178)">更多敬请关注：</span></section><section ></mp-common-profile></section></section></section><p ></mp-style-type></p>
