<section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvRMRQ8Ot4BB9nrCw1EicbYY3lJMPC5n8NEwOm04yG4OtkRLNkOJZSCeey71IM1UpXswicff1otoiaAJg%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26tp%3Dwebp%23imgIndex%3D0" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvRMRQ8Ot4BB9nrCw1EicbYY3lJMPC5n8NEwOm04yG4OtkRLNkOJZSCeey71IM1UpXswicff1otoiaAJg/640?wx_fmt=png&from=appmsg&wxfrom=5&wx_lazy=1&tp=webp#imgIndex=0" alt="懂保爷测评配图" loading="lazy" /></span></span></section><section style="text-align: justify"><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >增额终身寿、快返年金、养老年金</span></span></font><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >，</span></span></font><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >这三</span></span></font><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >类</span></span></font><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >产品</span></span></font><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >到底有什么区别</span></span></font><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >？</span></span></font><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >这是目前全部</span><span text style="color: rgb(235, 201, 0)">储蓄理财型保险</span><span text >市场上最重要的三类产品。</span></span></font></section><section nodeleaf=""></mp-common-videosnap></section><p style="text-align: justify"><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >我按整体逻辑整理了这</span></span></font><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >张图</span></span></font><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >，</span></span></font><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >给大家看一下。</span></span></font></p><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXMnlzvs0WbQ5A03PS1NIgNINxJfxBNkOBrAwEBTI8jgOXcGzXfn2AOXN8hs7RBJibNyaQY4cKOQkQcbIuaZCAlfsXyeCVCp8vB4%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXMnlzvs0WbQ5A03PS1NIgNINxJfxBNkOBrAwEBTI8jgOXcGzXfn2AOXN8hs7RBJibNyaQY4cKOQkQcbIuaZCAlfsXyeCVCp8vB4/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><b><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><br /></span></font></b></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><b><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >先说第一个，增额终身寿。它更像一个</span></span></font><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >“</span></span></font></b><b><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >存钱罐</span></span></font></b><b><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >”。</span></span></font></b></p><p style="text-align: justify"><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >你把钱放进去以后，它不会每年主动给你返钱，而是</span><span text >在账户里面不断累积增长</span><span text >。</span><span text style="color: rgb(235, 201, 0)">就像你种了一棵树，前几年可能看不到明显变</span></span></font><span style="color: rgba(0, 0, 0, 0.9)"><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">化，但是时间越久，这棵树长得越大</span><span text style="color: rgb(235, 201, 0)">。</span></span></font></span></p><p style="text-align: justify"><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >它最</span></span></font><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >大的特点</span></span></font><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >呢</span></span></font><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >就是</span><span text >掌控权比较高</span><span text >。</span></span></font></p><p style="text-align: justify"><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >比如未来孩子出国留学，需要一笔钱；孩子结婚，需要婚嫁资金；自己创业，需要启动资金；甚至几十年后想补充养老。你都可以根据自己的需求，通过减保或者其他方式把钱取出来。</span></span></font></p><p style="text-align: justify"><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >所以增额终身寿</span><span text >更适合</span></span></font><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >的</span></span></font><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >就是现在不缺这笔钱，但是希望提前锁定一笔未来资金的人</span><span text >。</span></span></font></p><p style="text-align: justify"><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >比如</span></span></font><span style="color: rgba(0, 0, 0, 0.9)"><span text >30岁、40岁的人，想给未来10年、20年甚至30年后的自己准备一笔</span><span text >备用金</span><span text >，这类需求就比较匹配。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><br /></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><b><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >第二个，快返年金。它更像一个</span></span></font><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >“会下蛋的现金流工具”。</span></span></font></b></p><p style="text-align: justify"><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >就是</span></span></font><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >你存进去一笔钱，它不会像增额寿一样一直放在那里增长，而是</span><span text >在约定时间之后，</span></span></font><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >每年</span></span></font><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >不断给你返钱</span><span text >。</span></span></font></p><p style="text-align: justify"><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >比如你一次性投入</span></span></font><span style="color: rgba(0, 0, 0, 0.9)"><span text >100万。</span></span></p><p style="text-align: justify"><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >前几年可能领取金额不算特别高，但是到了</span></span></font><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >第五年左右</span></span></font><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >，</span><span text style="color: rgb(235, 201, 0)">每年会固定返还一笔钱</span><span text >。</span></span></font></p><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXPhq7FMTRAAKKMKJuQiblKJHliaAq6HxicGedcPgOzFcoriaCdicFE5VWRsgUVdlGicTI6eC8VPzFFqiasfwQMia7tqooriaefNzMD1TUnM%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXPhq7FMTRAAKKMKJuQiblKJHliaAq6HxicGedcPgOzFcoriaCdicFE5VWRsgUVdlGicTI6eC8VPzFFqiasfwQMia7tqooriaefNzMD1TUnM/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><p style="text-align: justify"><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >比如</span><span text >太保的这款蛮好的人生</span><span text >，假设一位40岁的女性一次性投入100w，那么从她45岁开始，每年加上分红部分是可以领到3</span></span></font><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >万多</span></span></font><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >块钱，就算不包含分红每年也可以固定领取到</span></span></font><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >1</span></span></font><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >万</span></span></font><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >8千多</span></span></font><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >。而她的本金还是</span></span></font><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >一直</span></span></font><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >有</span></span></font><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >102w</span></span></font><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >左右</span></span></font><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >。</span></span></font></p><p style="text-align: justify"><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >所以快返年金就</span></span></font><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >特别</span><span text style="color: rgb(235, 201, 0)">适合手里有一笔定期存款到期，不想继续放银行</span></span></font><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">，</span></span></font><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">而是</span></span></font><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">希望未来几年开始</span></span></font><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">每年</span></span></font><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">有稳定现金流的人</span></span></font><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">。</span></span></font></p><p style="text-align: justify"><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >它最大的特点就是你</span><span text >不用自己操作，它会按照合同约定，把钱定期打回来。</span></span></font></p><p style="text-align: justify"><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >那</span></span></font><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >如果你的目标是</span></span></font><span style="color: rgba(0, 0, 0, 0.9)"><span text >5年、10年左右看到收益和现金流，快返年金通常会更加符合需求。</span></span></p><p style="text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><br /></span></p><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><b><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >第三个，养老年金。</span></span></font></b></section><p style="text-align: justify"><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >这个其实最好理解</span></span></font><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >，</span></span></font><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >它就是给未来退休后的自己，提前准备一份</span></span></font><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >“私人养老金”</span><span text >。</span></span></font></p><p style="text-align: justify"><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >很多人年轻的时候收入不错，但是到了退休以后会发现：工资没有了，生活成本还在上涨，社保养老金可能只能覆盖基础生活。</span></span></font></p><p style="text-align: justify"><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >那</span></span></font><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >就要</span></span></font><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >提前</span><span text style="color: rgb(235, 201, 0)">给自己建立第二份退休收入</span><span text >。</span></span></font></p><p style="text-align: justify"><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >养老年金的特点就是：</span><span text >年轻的时候存一笔钱，到了约定退休年龄，保险公司按照合同约定，每个月或者每年持续给你</span></span></font><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >发放</span></span></font><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >。</span></span></font></p><p style="text-align: justify"><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >它</span></span></font><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >最大的价值不是短期收益，而是解决一个问题：</span><span text style="color: rgb(235, 201, 0)">如果我活得很久，钱够不够用？</span></span></font></p><p style="text-align: justify"><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >因为人的寿命越来越长，未来最大的风险可能不是活得短，而是活得</span></span></font><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >久</span></span></font><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >。</span></span></font></p><p style="text-align: justify"><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >那到底哪个收益最高？其实没有标准答案。</span></span></font></p><p style="text-align: justify"><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >如果你</span></span></font><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >想快速见到</span></span></font><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >现金流，快返年金可能更明显；</span></span></font></p><p style="text-align: justify"><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >如果你看长期资金增长，增额终身寿后期积累能力</span></span></font><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >会</span></span></font><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >更强；</span></span></font></p><p style="text-align: justify"><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >如果你看退休以后持续领取，养老年金更有优势。</span></span></font></p><p style="text-align: justify"><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >不同产品，本质上解决的是不同人生问题。</span></span></font></p><p style="text-align: justify"><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >很多人买保险最大的误区，就是上来问：哪个收益最高？但真正应该问的是：</span></span></font></p><p style="text-align: justify"><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >这笔钱，我什么时候需要用？</span></span></font></p><p style="text-align: justify"><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">如果</span></span></font><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">5年后</span></span><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">就想定期领</span></span></font><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">钱</span></span></font><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">就</span></span></font><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">考虑</span></span></font><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">快返</span></span></font><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">现金流；如果</span></span></font><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">20年以后想留一笔资产</span></span><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">就</span></span></font><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">考虑长期积累；如果确定是退休以后使用</span></span></font><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">就</span></span></font><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">考虑养老规划。</span></span></font></p><p style="text-align: justify"><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><br /></span></font></p><p style="text-align: justify"><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)">最后，</span></font></p><p style="text-align: justify"><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >如果不知道自己的情况到底适合增额寿、快返年金还是养老年金，可以留言</span></span></font><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >“</span></span></font><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >储蓄</span></span></font><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >规划</span></span></font><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >”</span></span></font><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >给我。</span></span></font><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><br /></span></font></p><p style="text-align: justify"><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >我</span></span></font><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >根据你的年龄、资金情况和未来目标，帮你分析</span></span></font><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >你</span></span></font><font face="等线"><span style="color: rgba(0, 0, 0, 0.9)"><span text >更适合哪一种。</span></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><br /></span></font></p><section nodeleaf="" style="color: rgba(0, 0, 0, 0.9); text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXOiciaKOQNW6lr0g6ibibFtmcnqPzGgBzHLIh6hz1uTiarcEYZKBvwGzrBGgfzwEtiawGRBeS9t2nfGb6AT4cibuu64dPLcmKbByKuva4%2F640%3Fwx_fmt%3Dother%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26tp%3Dwebp%23imgIndex%3D9" 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