<section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FNGupRwr5hZB49f3MrEDxBiaUuicVPukfQQqBDaA5mAZW1s5MfFFXlSaSBUSBmMfYqr4dGB5SUAicTYubuRZnopKUQ%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/NGupRwr5hZB49f3MrEDxBiaUuicVPukfQQqBDaA5mAZW1s5MfFFXlSaSBUSBmMfYqr4dGB5SUAicTYubuRZnopKUQ/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><section ><span >大家好~</span></section><section ><span >最近小鱼儿在做测评时，发现高质量的增额寿真的越来越难找了！</span></section><section ><span >经过千挑万选，最终鑫享福增额终身寿这支“潜力股”进入我的视线。</span></section><section ><span >那今天就一同来看看它能给我们带来怎样的惊喜吧！</span></section><section ><section style="text-align: left"><br /></section><section style="text-align: center" powered-by="xiumi.us"><section ><section powered-by="xiumi.us"><section ><section style="text-align: left" powered-by="xiumi.us"><section ><section powered-by="xiumi.us"><section style="text-align: center"><section ><section style="text-align: justify" powered-by="xiumi.us"><p ><br /></p></section></section></section></section></section><section ><section powered-by="xiumi.us"><section style="text-align: center"><section ><section style="text-align: justify" powered-by="xiumi.us"><p ><br /></p></section></section></section></section></section><section ><section powered-by="xiumi.us"><section style="text-align: center"><section ><section style="text-align: justify" powered-by="xiumi.us"><p ><br /></p></section></section></section></section></section></section></section><section ><section style="text-align: justify; color: rgb(34, 101, 193)" powered-by="xiumi.us"><p ><span ><strong ><span >01</span></strong></span><strong ><br /></strong></p></section></section><section ><section powered-by="xiumi.us"><section style="text-align: left"><section ><section powered-by="xiumi.us"><section style="text-align: center"><section ><section style="text-align: justify" powered-by="xiumi.us"><p ><br /></p></section></section></section></section></section><section ><section powered-by="xiumi.us"><section style="text-align: center"><section ><section style="text-align: justify" powered-by="xiumi.us"><p ><br /></p></section></section></section></section></section><section ><section powered-by="xiumi.us"><section style="text-align: center"><section ><section style="text-align: justify" powered-by="xiumi.us"><p ><br /></p></section></section></section></section></section></section></section></section></section></section></section></section><p ><span >先看最核心的现金价值表现。</span></p><p ><span >以10岁男孩，总投入30万为例，</span></p><p ><span ><span >我们直接将鑫享福和市面上增额寿的佼佼者对比。</span></span></p><section ><strong><span style="color: rgb(34, 101, 193)">1、趸交+三年期缴费</span></strong></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZAOTWnWsJiba19ho1hoicyNfps7e0sKicAibNHibpUh7EDpbnM0Hjgmic5Q5NG0w6j3lpsWttjfMcoOfic2g%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZAOTWnWsJiba19ho1hoicyNfps7e0sKicAibNHibpUh7EDpbnM0Hjgmic5Q5NG0w6j3lpsWttjfMcoOfic2g/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZB49f3MrEDxBiaUuicVPukfQQYsxrKc3xJBROl91jqTQYV5X4bgAlDh02eC1jqCen7E6j4KbaZNllsw%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZB49f3MrEDxBiaUuicVPukfQQYsxrKc3xJBROl91jqTQYV5X4bgAlDh02eC1jqCen7E6j4KbaZNllsw/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><p ><span ><span >这两个缴费期的</span><span style="color: rgb(34, 101, 193)">长期保单利益</span></span><span >表现</span><span ><span >都不错，可以达到市面TOP3的级别。</span></span></p><p ><span >缺点是前期保单利益相对较低，中后期才会高速增长。</span></p><p ><span >第20年开始，退保利率就达到3.4%+的水平了，赶超大多数产品，现金价值非常可观。</span></p><p ><span style="color: rgb(34, 101, 193)">如果是长期规划的话，鑫享福的趸交和3年交是非常优秀的选择，可以重点考虑。</span></p><p ><span >如若是短期持有的话，选择封闭期短、保单利益不错的瑞祥人生和如意永享相对更好。<br /></span></p><p ><strong><span style="color: rgb(34, 101, 193)">2、五年+十年缴费期</span></strong></p><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZB49f3MrEDxBiaUuicVPukfQQQdd8GefH6jjA4U6D6cWibbeUWK7qx6M11FFK7u0orLzEC9ZhoGNwJeA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZB49f3MrEDxBiaUuicVPukfQQQdd8GefH6jjA4U6D6cWibbeUWK7qx6M11FFK7u0orLzEC9ZhoGNwJeA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZB49f3MrEDxBiaUuicVPukfQQUpdYdRQiawJKAJxRQhVlsH2M5QI3OFJpHDlJcztuM5y3icwvLAXoAQMg%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZB49f3MrEDxBiaUuicVPukfQQUpdYdRQiawJKAJxRQhVlsH2M5QI3OFJpHDlJcztuM5y3icwvLAXoAQMg/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><p ><span >这两个缴费期长期保单利益还是非常能打，也达到了市面上的TOP级别。</span></p><p ><span >支持第二投保人，长期持有，可以作为财富传承的工具。</span></p><p ><span style="color: rgb(34, 101, 193)">缺点依旧，前期现金价值增速较慢，但后期现金价值能维持绝对的优势。</span></p><p ><span style="color: rgb(34, 101, 193)"><strong><span >3、长缴费期</span></strong></span></p><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZB49f3MrEDxBiaUuicVPukfQQU3b3lbZP1nicdwsibQOp7OWCPWJWngvDHibpzRzXS4PiazPD150ttjLGlg%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZB49f3MrEDxBiaUuicVPukfQQU3b3lbZP1nicdwsibQOp7OWCPWJWngvDHibpzRzXS4PiazPD150ttjLGlg/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZB49f3MrEDxBiaUuicVPukfQQhxxUEQaichPczXyIGIaRLZagf9VticSxKIVdjvLprWl74XWNzkmnmAOA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZB49f3MrEDxBiaUuicVPukfQQhxxUEQaichPczXyIGIaRLZagf9VticSxKIVdjvLprWl74XWNzkmnmAOA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section ><span >15年和20年这两个长缴费期，中长期保单利益力压其他产品。</span></section><section ><span >如果想减轻缴费压力的话，这两个缴费期也是非常值得选择的。<br /></span></section><section ><span >例如一次性缴清要30万，而分20年交，每年只需交1.5万。<br /></span></section><section ><span >现价超过保费的速度也非常快，封闭期在11-13年。</span></section><section ><span style="color: rgb(34, 101, 193)">缴费期内就能实现资金回笼，资金使用更灵活。</span></section><p ><span style="color: rgb(0, 0, 0)">当缴费期为15年时，退保利率在保单第50年，就可以达到3.47%。</span></p><p ><span style="color: rgb(0, 0, 0)">当缴费期为20年时，退保利率在保单第50年，就可以达到3.46%。</span></p><p ><span style="color: rgb(34, 101, 193)">市面上支持长期缴费的增额终身寿真的不多了，鑫享福是支持长期缴费的产品里最优秀的了！</span></p><section ><p powered-by="xiumi.us"><br /></p><section style="text-align: center" powered-by="xiumi.us"><section ><section powered-by="xiumi.us"><section ><section style="text-align: left" powered-by="xiumi.us"><section ><section powered-by="xiumi.us"><section style="text-align: center"><section ><section style="text-align: justify" powered-by="xiumi.us"><p ><br /></p></section></section></section></section></section><section ><section powered-by="xiumi.us"><section style="text-align: center"><section ><section style="text-align: justify" powered-by="xiumi.us"><p ><br /></p></section></section></section></section></section><section ><section powered-by="xiumi.us"><section style="text-align: center"><section ><section style="text-align: justify" powered-by="xiumi.us"><p ><br /></p></section></section></section></section></section></section></section><section ><section style="text-align: justify; color: rgb(34, 101, 193)" powered-by="xiumi.us"><p ><span ><strong ><span >02</span></strong></span><strong ><br /></strong></p></section></section><section ><section powered-by="xiumi.us"><section style="text-align: left"><section ><section powered-by="xiumi.us"><section style="text-align: center"><section ><section style="text-align: justify" powered-by="xiumi.us"><p ><br /></p></section></section></section></section></section><section ><section powered-by="xiumi.us"><section style="text-align: center"><section ><section style="text-align: justify" powered-by="xiumi.us"><p ><br /></p></section></section></section></section></section><section ><section powered-by="xiumi.us"><section style="text-align: center"><section ><section style="text-align: justify" powered-by="xiumi.us"><p ><br /></p></section></section></section></section></section></section></section></section></section></section></section></section><p ><span style="color: rgb(0, 0, 0)">说回产品本身。</span><br /></p><p ><span style="color: rgb(0, 0, 0)"><span style="color: rgb(0, 0, 0)"></span><span style="color: rgb(0, 0, 0)">鑫享福投保门槛较低，</span><span style="color: rgb(0, 0, 0)">趸交5000元起，期</span><span style="color: rgb(0, 0, 0)">交100</span><span style="color: rgb(0, 0, 0)">0元起，不会有较大的现金流压力。</span></span></p><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZB49f3MrEDxBiaUuicVPukfQQfYTNiaqrd2qmoNWJqjCz5q6pWGM6CSzkZhNJibtCsDQtEERbQVYrRemA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZB49f3MrEDxBiaUuicVPukfQQfYTNiaqrd2qmoNWJqjCz5q6pWGM6CSzkZhNJibtCsDQtEERbQVYrRemA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><p ><span style="color: rgb(34, 101, 193)">长期来看，退保利率能达到3.49%，加上超高的现金价值，算是增额寿市场上的佼佼者了。</span></p><p ><span >有个亮点是额外保障航空意外，赔付100%基本保额，给这款增额终身寿身故或全残保障加了码！</span></p><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FNGupRwr5hZB49f3MrEDxBiaUuicVPukfQQzBqcO3ickgkHOdULkiasx6ibCD2FI5AIGgW8b5OrPibjqnECLYwiasLcsKg%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/NGupRwr5hZB49f3MrEDxBiaUuicVPukfQQzBqcO3ickgkHOdULkiasx6ibCD2FI5AIGgW8b5OrPibjqnECLYwiasLcsKg/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></p><section ><span style="color: rgb(34, 101, 193)">此外，还可以关联万能账户——京泰盈（也叫金多多）。</span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZB49f3MrEDxBiaUuicVPukfQQ1t7KKQibjxzGXicW6GIfz14pWH0Dt3aVM1cXhOeqDS21UKMVlh80FHOg%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZB49f3MrEDxBiaUuicVPukfQQ1t7KKQibjxzGXicW6GIfz14pWH0Dt3aVM1cXhOeqDS21UKMVlh80FHOg/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><p ><span >保底利率和结算利率都很高，保底利率3%，也是市面上最高的水平。</span></p><section ><span >主险趸交/3年交/5年交保费≥5万、10/15年/20年交保费≥2万，</span></section><section ><span >就可以关联京泰盈年金万能账户，自由追加保费。</span></section><section ><span >100元起，随时追加，目前也没有金额和次数的限制。</span></section><section ><span >趸交、转入和追加都要扣取1%的手续费，每笔保费满5年后，通过持续奖金形式全部返还。</span></section><section ><span style="color: rgb(34, 101, 193)">鑫享福的封闭期较长，可以</span><span style="color: rgb(34, 101, 193)">适当考虑存一些进万能账户，</span><span style="color: rgb(34, 101, 193)">作为家庭短期的备用金，以备不时之需。</span></section><section ><p powered-by="xiumi.us"><br /></p><section style="text-align: center" powered-by="xiumi.us"><section ><section powered-by="xiumi.us"><section ><section style="text-align: left" powered-by="xiumi.us"><section ><section powered-by="xiumi.us"><section style="text-align: center"><section ><section style="text-align: justify" powered-by="xiumi.us"><p ><br /></p></section></section></section></section></section><section ><section powered-by="xiumi.us"><section style="text-align: center"><section ><section style="text-align: justify" powered-by="xiumi.us"><p ><br /></p></section></section></section></section></section><section ><section powered-by="xiumi.us"><section style="text-align: center"><section ><section style="text-align: justify" powered-by="xiumi.us"><p ><br /></p></section></section></section></section></section></section></section><section ><section style="text-align: justify; color: rgb(34, 101, 193)" powered-by="xiumi.us"><p ><span ><strong ><span >03</span></strong></span><strong ><br /></strong></p></section></section><section ><section powered-by="xiumi.us"><section style="text-align: left"><section ><section powered-by="xiumi.us"><section style="text-align: center"><section ><section style="text-align: justify" powered-by="xiumi.us"><p ><br /></p></section></section></section></section></section><section ><section powered-by="xiumi.us"><section style="text-align: center"><section ><section style="text-align: justify" powered-by="xiumi.us"><p ><br /></p></section></section></section></section></section><section ><section powered-by="xiumi.us"><section style="text-align: center"><section ><section style="text-align: justify" powered-by="xiumi.us"><p ><br /></p></section></section></section></section></section></section></section></section></section></section></section></section><section ><p ><span style="color: rgb(0, 0, 0)">最后聊聊保险公司。</span></p><p ><span >和泰人寿成立于2017年1月24日，注册资本15亿元。</span></p><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FNGupRwr5hZB49f3MrEDxBiaUuicVPukfQQuvVEPza5zXObFUdOibfqfGg7X2ibQzDQSyB65R0RWGGqaBV0ibgJodctg%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/NGupRwr5hZB49f3MrEDxBiaUuicVPukfQQuvVEPza5zXObFUdOibfqfGg7X2ibQzDQSyB65R0RWGGqaBV0ibgJodctg/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><section ><br /></section><section ><span >虽然成立不久，但股东背景实力非常强大。</span><br /></section><section ><span >由中信集团旗下的中信国安和腾讯联手，拥有雄厚的资本和前沿的互联网技术。</span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FNGupRwr5hZB49f3MrEDxBiaUuicVPukfQQmR0h7WBzicibHkFDZ0w6PzPflTibPuqnZ11lSdclnib0W6bwYT7WEGDzyA%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/NGupRwr5hZB49f3MrEDxBiaUuicVPukfQQmR0h7WBzicibHkFDZ0w6PzPflTibPuqnZ11lSdclnib0W6bwYT7WEGDzyA/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><p style="text-align: left"><span ><span >2022年四季度末的综合偿付能力充足率是</span><span style="color: rgb(34, 101, 193)">153.98%</span><span >，</span></span></p><p style="text-align: left"><span ><span >核心偿付能力充足率达到</span><span style="color: rgb(34, 101, 193)">144.28%</span><span >，远远高于要求的水准。</span></span></p><p style="text-align: left"><span ><span >最近</span><span style="color: rgb(0, 0, 0)">两次的风险评估等级都是</span><span style="color: rgb(34, 101, 193)">BB级</span><span >，公司经营情况还是非常优秀的！</span></span></p><section ><span ><br /></span></section><section style="text-align: center" powered-by="xiumi.us"><section ><section powered-by="xiumi.us"><section ><section style="text-align: left" powered-by="xiumi.us"><section ><section powered-by="xiumi.us"><section style="text-align: center"><section ><section style="text-align: justify" powered-by="xiumi.us"><p ><br /></p></section></section></section></section></section><section ><section powered-by="xiumi.us"><section style="text-align: center"><section ><section style="text-align: justify" powered-by="xiumi.us"><p ><br /></p></section></section></section></section></section><section ><section powered-by="xiumi.us"><section style="text-align: center"><section ><section style="text-align: justify" powered-by="xiumi.us"><p ><br /></p></section></section></section></section></section></section></section><section ><section style="text-align: justify; color: rgb(34, 101, 193)" powered-by="xiumi.us"><p ><span ><strong ><span >04</span></strong></span><strong ><br /></strong></p></section></section><section ><section powered-by="xiumi.us"><section style="text-align: left"><section ><section powered-by="xiumi.us"><section style="text-align: center"><section ><section style="text-align: justify" powered-by="xiumi.us"><p ><br /></p></section></section></section></section></section><section ><section powered-by="xiumi.us"><section style="text-align: center"><section ><section style="text-align: justify" powered-by="xiumi.us"><p ><br /></p></section></section></section></section></section><section ><section powered-by="xiumi.us"><section style="text-align: center"><section ><section style="text-align: justify" powered-by="xiumi.us"><p ><br /></p></section></section></section></section></section></section></section></section></section></section></section></section><section ><span >综合来看，<br /></span></section><section ><span >鑫享福作为增额终身寿，成绩非常不错，</span></section><section ><span >保单功能中规中矩，重要权益也都支持。</span></section><section ><span >趸交/3年交表现都比较出色，</span></section><section ><span style="color: rgb(34, 101, 193)">前期表现一般，但是中长期保单利益高，非常值得考虑！</span></section><section ><span >长期缴费现价超过保费的速度快，现金价值也是市场上的佼佼者，也可以选择。</span></section><section ><span >此外还可关联万能账户，实现资金增值的同时满足储蓄和养老多种需求。</span></section><section ><span ><strong><span style="color: rgb(34, 101, 193)">如果有长期规划的需求，“长跑选手”—鑫享福值得重点选择！</span></strong></span></section><section ><br /></section><section ><section style="text-align: left" powered-by="xiumi.us"><section ><section style="text-align: justify" powered-by="xiumi.us"><section ><section powered-by="xiumi.us"><section ><svg viewbox="0 0 1 1" ></svg></section></section></section><section ><section powered-by="xiumi.us"><section style="color: rgb(34, 101, 193)"><p ><span >END</span></p></section></section></section><section ><section powered-by="xiumi.us"><section ><svg viewbox="0 0 1 1" ></svg></section></section></section></section></section></section></section><p 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" /></p><p ></mp-style-type></p>
