<section style="text-align: justify"><span >今天我们测评<strong>泰康人寿的一款<span style="color: rgb(255, 79, 121)">终身快返年金</span></strong><strong>，第六年就开始领钱，活到老领到老。</strong>我是保姑，教你买对保险，存好钱，提前退休。</span></section><section style="text-align: justify"><span >我们平时讨论的最多的是退休年龄到了再开始领取的年金险，而<strong>领取更早，提供更长保障周期</strong>的另一类年金险提的比较少，就是传说中的<span style="color: rgb(255, 79, 121)">快返型年金</span>。其实逻辑是一样的，评估这种年金产品，你看着复杂，实际上很简单。<br /></span></section><section style="text-align: justify"><span >我们来测评泰康人寿<span style="color: rgb(255, 79, 121)">泰悦人生</span>这款养老年金，看看怎么分析这种产品？<br /></span></section><section style="text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FAa1Vn4VNXunS2CZ55PVNXCyqnyVnWplbS8yEKmZibQh5WFnRG2iaiaHjnEUG1hCwyJibRYlkPkQlInNzdNibehM1tsA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/Aa1Vn4VNXunS2CZ55PVNXCyqnyVnWplbS8yEKmZibQh5WFnRG2iaiaHjnEUG1hCwyJibRYlkPkQlInNzdNibehM1tsA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /><br /></section><section style="text-align: justify"><span >年金险就是交钱进去，然后根据<span style="color: rgb(255, 79, 121)">保单的约定</span>，看什么时候<span style="color: rgb(255, 79, 121)">开始领取</span>年金，<span style="color: rgb(255, 79, 121)">领取多久</span>，是不是<span style="color: rgb(255, 79, 121)">终身</span>的，从而根据测算出来的数字计算保单利益到底是多少？看划不划算，就能衡量出大概了。<br /></span></section><section style="text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FAa1Vn4VNXunS2CZ55PVNXCyqnyVnWplbOj7ayU153gwbDkswoCiby223iazrGt0vYQT6TGtpkOPUwOJbjcPVeHPQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/Aa1Vn4VNXunS2CZ55PVNXCyqnyVnWplbOj7ayU153gwbDkswoCiby223iazrGt0vYQT6TGtpkOPUwOJbjcPVeHPQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /><br /></section><section style="text-align: justify"><span >那我举个例子，假如<span style="color: rgb(255, 79, 121)">40岁</span>女性投保，每年交<span style="color: rgb(255, 79, 121)">10万</span>，连续交<span style="color: rgb(255, 79, 121)">5年</span>，我把合同约定的各种比如<span style="color: rgb(255, 79, 121)">特别保险金</span>，<span style="color: rgb(255, 79, 121)">生存保险金</span>，<span style="color: rgb(255, 79, 121)">祝寿保险金</span>，还有<span style="color: rgb(255, 79, 121)">身故保险金</span>全部列出来，然后根据内部收益率的计算公式，就能算出保单的真实利益。结果是，至<span style="color: rgb(255, 79, 121)">80岁</span>IRR是<span style="color: rgb(255, 79, 121)">2.298%</span>，至<span style="color: rgb(255, 79, 121)">90岁</span>IRR是<span style="color: rgb(255, 79, 121)">2.415%</span>。记住，这个数据一般人不会告诉你。如果不会算，单独来找我帮你算。<br /></span></section><section style="text-align: justify"><span >当然，如果一款保险产品这么赤裸裸的摆在大家面前，怎么卖得出去呢，所以才会让大家感觉好像还不错，但是又很复杂，实在搞不懂。<br /></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FAa1Vn4VNXunS2CZ55PVNXCyqnyVnWplbHEgPQJicTYibtMnGlApkn0nBRwJFENzwgBV8ib8nibYdFkSNlCqLqPELgg%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/Aa1Vn4VNXunS2CZ55PVNXCyqnyVnWplbHEgPQJicTYibtMnGlApkn0nBRwJFENzwgBV8ib8nibYdFkSNlCqLqPELgg/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: justify"><span ></span></section><section style="text-align: justify"><strong><span ><span >接下来，还要搞清楚搭配的万能账户，又是什么逻辑呢？</span></span></strong><span ><span >泰悦人生可搭配</span><span style="color: rgb(255, 79, 121)"><strong><span >嘉福</span></strong><strong><span >3</span></strong><strong><span >号</span></strong></span><span >或者</span><span style="color: rgb(255, 79, 121)"><strong><span >尊</span></strong><strong><span >赢</span></strong><strong><span >2024</span></strong></span><span >这两款。</span></span></section><section style="text-align: justify"><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FAa1Vn4VNXunS2CZ55PVNXCyqnyVnWplbp8jxxvgIyDjiaxZpwg3L0oIpEppA1hFJ8DnWTJ35FqXd1OU7IzY3t5Q%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/Aa1Vn4VNXunS2CZ55PVNXCyqnyVnWplbp8jxxvgIyDjiaxZpwg3L0oIpEppA1hFJ8DnWTJ35FqXd1OU7IzY3t5Q/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /><br /></span></section><section style="text-align: justify"><span ><span >两款保底利率都是</span><span style="color: rgb(255, 79, 121)"><strong><span >2.0%</span></strong></span><span >，嘉福3号当前结算利率</span><span style="color: rgb(255, 79, 121)"><strong><span >3.9%</span></strong></span><span >，尊赢2024当前结算利率</span><span style="color: rgb(255, 79, 121)"><strong><span >4.5%</span></strong></span><strong><span >。</span></strong><strong><span >万能账户的详细细节我都整理在表格里了，简单来说，就是给你一个结算利率高的产品，但是限制更多，对主险要求更多，也不让你多买，</span></strong><span > 即使买到手了，以后的结算利率也不确定，保险公司可以主观决定什么时候降，降到多少，不需要解释。</span></span></section><section style="text-align: justify"><strong><span ><span >我想提醒大家一定要注意你的主险到底进了多少钱，因为主险的收益是事实摆在面前的，可以直接算出来的，</span></span></strong><span ><span >你的主险收益你是否满意，这是第一步。万能账户短期3年我觉得利率都很难锁定，5年内还有各种费用， 所以我是不太喜欢万能账户的。</span><br /></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FAa1Vn4VNXunS2CZ55PVNXCyqnyVnWplb6tSKicz8yzR3TGpmcg1pLeXRo4TB4BSUciaF1KolhSftOkmDh4DVr3bA%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/Aa1Vn4VNXunS2CZ55PVNXCyqnyVnWplb6tSKicz8yzR3TGpmcg1pLeXRo4TB4BSUciaF1KolhSftOkmDh4DVr3bA/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: justify"><span ><span ></span></span></section><section style="text-align: justify"><span >再回到<span style="color: rgb(255, 79, 121)">泰悦人生</span>这个<span style="color: rgb(255, 79, 121)">主险</span>，就算我们放着保单利益只有<span style="color: rgb(255, 79, 121)">2点几</span>不说，这种快返型的年金险，我认为<strong>有个很大问题，就是不解决问题。</strong>正常来说，我们买养老金，是想解决退休后的现金流问题，希望把储蓄池更多的转化成以后的退休工资。</span></section><section style="text-align: justify"><span >但是泰悦人生，如果从<span style="color: rgb(255, 79, 121)">40岁</span>开始<span style="color: rgb(255, 79, 121)">投保</span>，<span style="color: rgb(255, 79, 121)">46岁</span>就开始<span style="color: rgb(255, 79, 121)">领取</span>了，虽然有几年特别保险金和祝寿金，<strong>但是后来很长一段时间几乎每年领取金额是很少的，解决不了生活费的问题，</strong>无法直接成为一款代替终身退休工资的养老金。我们稍微长个心眼跟其他养老金比一比就知道了。<br /></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FAa1Vn4VNXunS2CZ55PVNXCyqnyVnWplbegRJ4cjlUDF5SrrBf4sqWIm2Vpd6hVx4KHRA3PwGcCAHH2OZMQCDLg%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/Aa1Vn4VNXunS2CZ55PVNXCyqnyVnWplbegRJ4cjlUDF5SrrBf4sqWIm2Vpd6hVx4KHRA3PwGcCAHH2OZMQCDLg/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: justify"><span ></span></section><section ><section style="text-align: justify"><span >我是保姑，我一直在专注研究所有的保险产品，需要的时候可以来找我，保姑应该能给你一些建议。<br /></span></section><section style="text-align: justify"><span ><br /></span></section></section><section style="color: rgb(0, 0, 0); text-align: center"><span style="color: rgb(255, 79, 121)"><strong ><span >任何时候，扫码可以找到我们~</span></strong></span></section><section style="color: rgb(34, 34, 34); text-align: center"><span ><strong ><span ><span >【<span >理财+养老+保险</span>】</span> 1对1咨询绿色通道</span></strong></span></section><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FAa1Vn4VNXumICRCicytKuF3yRAdqEQlJwIZk67icGtD2WYmTrE5NKkBMuKJtmKZtlFjM4WV0Pqv6shKnSOpv1Tvw%2F640%3Fwx_fmt%3Djpeg%26wx_%26wxfrom%3D5%26wx_lazy%3D1%26wx_co%3D1%26tp%3Dwxpic" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/Aa1Vn4VNXumICRCicytKuF3yRAdqEQlJwIZk67icGtD2WYmTrE5NKkBMuKJtmKZtlFjM4WV0Pqv6shKnSOpv1Tvw/640?wx_fmt=jpeg&wx_&wxfrom=5&wx_lazy=1&wx_co=1&tp=wxpic" alt="懂保爷测评配图" loading="lazy" /></section><section ><br /></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(136, 136, 136)">看一看保姑的其他文章：</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span >【财富认知】</span></section><h1 style="color: rgb(34, 34, 34); 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var(--weui-LINK)">放心，没有人比你更关心你的未来</a><br /></section><section style="color: rgb(34, 34, 34); text-align: left"><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MzIzMzIzNTk4Mg==&mid=2247484371&idx=1&sn=95320135d7d6f05bc46ea76d17a551f8&chksm=e889f0b2dffe79a4701425e236be306fe66101f8071d812eaef8c67ed4e67c9a1b9366a3bde3&scene=21#wechat_redirect" textvalue="致歉+找保姑投诉入口" linktype="text" imgurl="" imgdata="null" tab="innerlink" wah-hotarea="click" hasload="1" style="color: var(--weui-LINK)"><span style="color: var(--weui-LINK)">致歉+找保姑投诉入口</span></a></section><section style="color: rgb(34, 34, 34)"><br /></section><section style="text-align: left"><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FAa1Vn4VNXulDSG3kLWEFl66JYfFHuibDsZwPP3g5romOwOBrEvLdFjc8VUrEoXpQflzzTumnt8dW6vKFReAyKnA%2F640%3Fwx_fmt%3Dgif%26wxfrom%3D5%26wx_lazy%3D1%26tp%3Dwxpic" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/Aa1Vn4VNXulDSG3kLWEFl66JYfFHuibDsZwPP3g5romOwOBrEvLdFjc8VUrEoXpQflzzTumnt8dW6vKFReAyKnA/640?wx_fmt=gif&wxfrom=5&wx_lazy=1&tp=wxpic" alt="懂保爷测评配图" loading="lazy" /><span style="color: rgb(34, 34, 34)"> <span style="color: rgb(136, 136, 136)">点击</span></span><span style="color: rgb(120, 172, 254)">阅读原文</span><span style="color: rgb(136, 136, 136)">，是我精选推荐的产品。点亮</span><span style="color: rgb(120, 172, 254)">“在看”</span><span style="color: rgb(136, 136, 136)">，文章会被更多推荐，谢谢您！</span></span></section><p ></mp-style-type></p>
