<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%2FO95eeDepqTP8CPYIDDUEwviauuhTgujHCZ2EVyR3AatcVA52rfxbndWm6FuLc2AfgkdzvnydY27J7LPwul2Ww2A%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/O95eeDepqTP8CPYIDDUEwviauuhTgujHCZ2EVyR3AatcVA52rfxbndWm6FuLc2AfgkdzvnydY27J7LPwul2Ww2A/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><p style="color: rgb(51, 51, 51); text-align: justify"><br /></p><p style="color: rgb(51, 51, 51); text-align: justify"><span >增额终身寿并非买来就能用，这点算是常识了。</span></p><p style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></p><p style="color: rgb(51, 51, 51); text-align: justify"><span >原因是每款增额寿都存在「<strong>封闭期</strong>」，<br /></span></p><p style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></p><p style="color: rgb(51, 51, 51); text-align: justify"><span >封闭期内，增额寿的账户金额会低于我们投入的本金，即用钱=亏损。<br /></span></p><p style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></p><p style="color: rgb(51, 51, 51); text-align: justify"><span >那问题来了，<strong>是不是等封闭期结束，用钱就不会亏了？</strong></span></p><p style="color: rgb(51, 51, 51); text-align: justify"><br /></p><p style="color: rgb(51, 51, 51); text-align: justify"><strong><span >如果不是，得等多久才行？</span></strong><span ></span></p><p style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></p><p ><br /></p><p ><span style="color: rgb(33, 89, 103); text-align: start">一、</span></p><section style="color: rgb(51, 51, 51); text-align: justify"><br /></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >可以先肯定一点，</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><strong><span >增额终身寿绝不是封闭期刚结束，就适合立即取用。</span></strong><span ></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >举个例子，</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >假设有这么一款“<strong>封闭期为0年</strong>”的增额终身寿，投入10万本金，</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >第1年账户就可以有10.1万，第2年是10.2万...以此类推，第9年账户金额是<strong>10.9万</strong>，</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >不过在第10年，会猛增至<strong>16万</strong>。</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >这样的产品，</span><span >虽然</span><span >没</span><span >有封</span><span >闭期，前些年用钱不亏本金，</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><br /></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >但前9年的收益还比不上一年期银行存款，不亏也绝对不赚，大多数人恐怕都会撑到第10年再用。</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><em><span ><span >注</span><span >，以上只为方便理解，现实还没有0封闭期的增额</span><span >终身寿。</span></span></em><span ><span ></span></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >因此，增额终身寿有个重要知识点就是，</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(255, 0, 0)"><strong><span style="color: rgb(255, 0, 0)">想动用账户的钱，封闭期结束只是一方面，</span></strong><strong><span style="color: rgb(255, 0, 0)">用钱时账户有没有可观的收益</span></strong><strong><span style="color: rgb(255, 0, 0)">也必须考虑。</span></strong></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >如何判断收益可观与否，可以参考同期银行/国债，通常增额寿的年利率能高出<strong>1%</strong>就算可以了。</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >像当前银行5年期存款挂牌利率<strong>2.65%</strong>左右，那增额终身寿在<strong>5-10年内</strong>的年利率得达到<strong>3.65%+</strong>。</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >这里达标的时间越早越好，例如A产品算下来第7年就有3.65%的年利率，B产品第10年才到3.65%，A产品就更好一些</span><span >。</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><strong><span ></span></strong></section><section ><span ></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(33, 89, 103); text-align: start">二、</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >我找了几款不同封闭期的增额寿产品（含当前</span><span >的顶级增额寿），带大家看看实例。</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><br /></section><section style="color: rgb(51, 51, 51); text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTP8CPYIDDUEwviauuhTgujHCDsdnB5ydtibPVr23IcaY7Vxn1MuHEa3KCwoOgzGiczkdnKZMPAHnxEqA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTP8CPYIDDUEwviauuhTgujHCDsdnB5ydtibPVr23IcaY7Vxn1MuHEa3KCwoOgzGiczkdnKZMPAHnxEqA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgb(51, 51, 51); text-align: center"><span style="color: rgb(136, 136, 136)">账户金额排名前三为：</span><span style="color: rgb(255, 0, 0)">红</span><span style="color: rgb(136, 136, 136)">＞</span><span style="color: rgb(255, 104, 39)">橙</span><span style="color: rgb(136, 136, 136)">＞</span><span style="color: rgb(0, 128, 255)">蓝</span><br /></section><section style="color: rgb(51, 51, 51); text-align: justify"><br /></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >从左到右，分别是中意、工银安盛、富德生命、长城、天安、国联、北京、横琴8家寿险公司的增额寿产品。</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >封闭期最短的是中意人寿产品，仅2年；最长是横琴人寿的产品，9年。</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >以上都是本金30万，一次交清时的收益对比。</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><strong><span >不难看出，封闭期和高收益很难兼顾。</span></strong><span ></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><br /></section><section style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(33, 89, 103)">中意-永续爱</span><span >，封闭期最短，2年就能回本，假如当时用钱，相当于30万本金存2年，就赚了615元的利息，还不如活期存款。</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >即便等10年再用钱，也才赚了95741元，相当于存银行年利率3.19%，没达到当前3.65%的及格线；</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><br /></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >其次是</span><span style="color: rgb(33, 89, 103)">工银安盛-鑫如意号</span><span >，虽说3年回本，可无论封闭期还是收益，都不如上面的中意-<span >永续爱，淘汰；</span></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><span ><br /></span></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >然后是</span><span style="color: rgb(33, 89, 103)">富德生命-瑞祥生</span><span >，封闭期4年，但它是目前第一个及格的产品，持有10年利率能到3.68%；</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(33, 89, 103)">长城-山关</span><span >和<span style="color: rgb(33, 89, 103)">天安-传保</span>，封闭期5年/6年，问题都是收益不到及格线，淘汰；</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >接着是</span><span style="color: rgb(33, 89, 103)">国联-益多</span><span >，封闭期7年，这是一款顶级增额寿，持有8年就相当于一份8年期、年利率3.8%的银行存款，远超及格线。</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >持有10年，利率能到3.97%，优秀；<br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(33, 89, 103)">北京人寿-京福传爱</span><span >，封闭期8年，持有10年，利率仅3.4%，不及格，淘汰；<br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >最后是</span><span style="color: rgb(33, 89, 103)">横琴-传世彩</span><span >，封闭期9年，这些产品中最长，但持有10年，利率可达3.83%，仅次</span><span >于国联-益多。</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><strong><span >看下来，这些产品要是打个分：</span></strong><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >只有<span style="color: rgb(33, 89, 103)">国联-益</span><span style="color: rgb(33, 89, 103)">多</span>可以拿到优秀的评价，持有10年，近乎4%的年利率也是当前顶级增额寿的极限；<br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >其他的，除了生命人寿和横琴人寿表现不错，都没能到<strong>10年内、3.65%年利率</strong>的及格线。</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><strong><span >可能有人觉得10年能到3%以上好像也行，不比银行高？</span></strong><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >这么说吧，目前大银行5年期挂牌利率是2.65%，大客户实际利率还会高一些。</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >若是5年满期取出再存一次，我们在银行存10年，到手年利率应该有3%，甚至更高。</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >加上存款没有封闭期，急用钱不会亏，增额寿要损失封闭期内的灵活性，<br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><strong><span >这种情况下，增额终身寿要是10年内达不到3.65%+的年利率，就不太值得买了。</span></strong></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >当然了，10年内达到3.65%只是最低要求，不代表达标了就一定是好产品。<br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >例如市面顶级增额终身寿，10年能有接近<strong>4%</strong>的年利率。</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >在这类顶级产品还能买的时候，那些刚刚“踩线”及格的产品，明显就没太多购买价值了。</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >因此，现实中可能要大家进一步甄别。</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><strong style="color: rgb(0, 0, 0)"><span style="color: rgb(33, 89, 103)"><em ><strong ><span style="color: rgb(33, 89, 103); text-align: start">拿不准也不用纠结，可以</span></strong></em></span></strong><strong style="color: rgb(0, 0, 0)"><span style="color: rgb(33, 89, 103)"><em ><strong ><span style="text-align: start">扫描</span></strong></em><em ><strong ><span style="text-align: start">下图二维码找我团队专业规划老师咨询。</span></strong></em></span></strong></section><section style="color: rgb(34, 34, 34); text-align: justify"><strong style="color: rgb(0, 0, 0)"><span style="color: rgb(33, 89, 103)"><em ><strong ><span style="text-align: start"></span></strong></em></span></strong></section><section style="color: rgb(34, 34, 34); text-align: justify"><span style="text-align: center"><br /></span></section><section style="text-align: center"><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 style="color: rgb(34, 34, 34); text-align: justify"><span style="color: rgb(0, 0, 0)"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: justify"><span style="color: rgb(0, 0, 0)"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: justify"><span style="color: rgb(0, 0, 0)">相关阅读：</span></section><section ><br /></section><section ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247493287&idx=1&sn=c67de5048364c763c64d745c8554dcf0&chksm=cfb60527f8c18c3174405593f6d532cb8f83f81e138e62eb17fdfc577bfbda31b5d6fac3c7be&scene=21#wechat_redirect" textvalue="关于增额终身寿，我把这些实话一次全告诉你" linktype="text" imgurl="" imgdata="null" tab="innerlink" >关于增额终身寿，我把这些实话一次全告诉你</a></section><section ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247492910&idx=1&sn=a5cdd63fa460660d59517e0435f912e3&chksm=cfb606aef8c18fb895672db8002a9fe0e9f788eda2edf38d72df34b9a5f13da73f926f6d6796&scene=21#wechat_redirect" textvalue="最适合普通人的理财，2022年开始陆续收紧了！" linktype="text" imgurl="" imgdata="null" tab="innerlink"><span >最适合普通人的理财，2022年开始陆续收紧了！</span></a></section><section ><br /></section><section style="text-align: center"><span ><span >— </span><strong >END </strong><span >—</span></span></section><section ></mp-common-profile></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><span style="color: rgb(136, 136, 136)">查看</span><span style="color: rgb(33, 89, 103)">懂保爷严选【理财、养老、保障】产品汇总</span></section><section style="text-align: left"><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><p ></mp-style-type></p>
