<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="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span style="color: rgba(0, 0, 0, 0.9)"><span text >Hey，大家好，我是懂保爷资深产品测评师丽丽～</span></span></span></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >最近这段时间呢，咨询养老金朋友挺多的。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >我发现，很多人在挑选养老金时，往往只看一个指标：</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >“退休后每年能领多少钱？”</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >实际上，养老金产品之间的差异远不止领取金额。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >同样交100万保费，有的产品</span><span text >领取更高</span><span text >；有的产品</span><span text >现金价值</span><span text >更高；有的产品</span><span text >身故责任</span><span text >更强...</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >如果只看领取金额，很容易选错。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >所以今天，我把目前市场上几款</span><span text >热度比较高、保险公司实力较强、整体经营比较稳健</span><span text >的养老金产品放在一起做个对比：</span></span></p><ul ><li style="color:#ff4f79"><section><span><span text style="color: rgb(255, 79, 121)">长城人寿-明爱金彩D款</span></span></section></li><li style="color:#ff4f79"><section><span><span text style="color: rgb(255, 79, 121)">复保-星海赢家青鸾版</span></span></section></li><li style="color:#ff4f79"><section><span><span text style="color: rgb(255, 79, 121)">复保-星海赢家火凤版</span></span></section></li><li style="color:#ff4f79"><section><span><span text style="color: rgb(255, 79, 121)">中荷人寿-今生有约2.0</span></span></section></li><li style="color:#ff4f79"><section ><span><span text style="color: rgb(255, 79, 121)">陆家嘴国寿-泰享年年</span></span></section></li></ul><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >测算条件统一为：</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >40岁，男性，趸交100万，60岁开始领取养老金。</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >这次对比，重点关注这四个维度：</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >第一，每年能领多少钱；</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >第二，活到80岁、90岁，累计能领多少钱；</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >第三，领钱后现金价值还有多少，需要用钱时能不能灵活支配；</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >第四，如果领取期间发生身故，家人还能拿多少。</span></span></p><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span style="color: rgba(0, 0, 0, 0.9)"><span text >一起来看看吧~</span></span></span></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(136, 136, 136)">说明一下：</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(136, 136, 136)">青鸾和明爱金彩D款都提供多个领取方案，本次选取的是市场上咨询较多、整体比较均衡的</span><span text style="color: rgb(136, 136, 136)">青鸾计划一</span><span text style="color: rgb(136, 136, 136)">和</span><span text style="color: rgb(136, 136, 136)">明爱金彩计划三</span><span text style="color: rgb(136, 136, 136)">进行对比。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(136, 136, 136)">不同方案适合不同需求，如果不知道怎么选，也可以找我单独测算：</span></span></p><section style="text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXPv7EExHicGlhKicp6UQwomVf63QRRU7fmUYNibIryUypRwEbhkOWJAps8M5icqlJ8kyj6S0Z5icfJ46jbZT6N0sXAUJU1iayDSJxIiaM%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXPv7EExHicGlhKicp6UQwomVf63QRRU7fmUYNibIryUypRwEbhkOWJAps8M5icqlJ8kyj6S0Z5icfJ46jbZT6N0sXAUJU1iayDSJxIiaM/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(255, 79, 121)">一、领取金额PK</span></span></section><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXM4Tbqcicb0QJhzmiaGFqEqr33wiaqicquzDj7l9lPgg7BFMoUHdogrjssGiaGy3iadriaD5ftdibTNEXC0QzQqYC28ywQptPEB8aMBiceY%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXM4Tbqcicb0QJhzmiaGFqEqr33wiaqicquzDj7l9lPgg7BFMoUHdogrjssGiaGy3iadriaD5ftdibTNEXC0QzQqYC28ywQptPEB8aMBiceY/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"><span style="color: rgba(0, 0, 0, 0.9)"><span text >从保证领取金额来看，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >星海赢家青鸾计划一</span></span><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(255, 79, 121)">65220元</span><span text style="color: rgb(0, 0, 0)">></span></span><span style="color: rgba(0, 0, 0, 0.9)"><span text >星海赢家火凤版</span><span text style="color: rgb(255, 79, 121)">64720元</span><span text >>明爱金彩计划三</span><span text style="color: rgb(255, 79, 121)">62000元</span><span text >>金生有约2.0</span><span text style="color: rgb(255, 79, 121)">59000元</span><span text >>泰享年年</span><span text style="color: rgb(255, 79, 121)">41797元</span><span text >。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >也就是说，青鸾（计划一）每年固定领取的金额是最多的，火凤版也不错。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >我们再看80岁时累计的领取金额，</span></span></p><ul ><li><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >星海赢家青鸾计划一：</span><span text style="color: rgb(255, 79, 121)">136.96万元</span></span></section></li><li><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >星海赢家火凤版：</span><span text style="color: rgb(255, 79, 121)">135.91万元</span></span></section></li><li><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >明爱金彩计划三：</span><span text style="color: rgb(255, 79, 121)">130.20万元</span></span></section></li><li><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >金生有约2.0：</span><span text style="color: rgb(255, 79, 121)">123.90万元</span></span></section></li><li><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >泰享年年：</span><span text style="color: rgb(255, 79, 121)">87.77万元</span></span></section></li></ul><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >差距已经拉开了。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >如果把分红收益也考虑进去，80岁时的累计总领取差距更大了：</span></span></p><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXPEn9TIQSvSqPwoJhpc4fnXgXVTkNmctIN1Kkk9xbTE6YTMYE4Jd1NmsTLIAmZNCpraCsN0M6mX5f8fgrcmdpe1jyn6UcawicxI%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXPEn9TIQSvSqPwoJhpc4fnXgXVTkNmctIN1Kkk9xbTE6YTMYE4Jd1NmsTLIAmZNCpraCsN0M6mX5f8fgrcmdpe1jyn6UcawicxI/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><ul ><li><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >星海赢家青鸾计划一：</span><span text style="color: rgb(255, 79, 121)">219.55万元</span></span></section></li><li><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >星海赢家火凤版：</span><span text style="color: rgb(255, 79, 121)">214.59万元</span></span></section></li><li><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >明爱金彩计划三：</span><span text style="color: rgb(255, 79, 121)">200.33万元</span></span></section></li><li><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >金生有约2.0：</span><span text style="color: rgb(255, 79, 121)">183.58万元</span></span></section></li><li><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >泰享年年：</span><span text style="color: rgb(255, 79, 121)">138.45万元</span></span></section></li></ul><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >到了90岁时，这种差距会更加明显：</span></span></p><ul ><li><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >星海赢家青鸾计划一：</span><span text style="color: rgb(255, 79, 121)">353.11万元</span></span></section></li><li><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >星海赢家火凤版：</span><span text style="color: rgb(255, 79, 121)">345.90万元</span></span></section></li><li><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >明爱金彩计划三：</span><span text style="color: rgb(255, 79, 121)">319.68万元</span></span></section></li><li><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >金生有约2.0：</span><span text style="color: rgb(255, 79, 121)">290.69万元</span></span></section></li><li><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >泰享年年：</span><span text style="color: rgb(255, 79, 121)">223.04万元</span></span></section></li></ul><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >从结果来看，</span><span text >青鸾计划一</span><span text >和</span><span text >火凤版</span><span text >明显领先，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >如果目标就是退休后获得更多养老金收入，那么这两款产品竞争力非常强。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >接下来，我们再看看</span><span text >现金价值和身故责任</span><span text >的表现。</span></span></p><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(255, 79, 121)">二、现金价值PK</span></span></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >养老金不仅仅是领钱，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >很多人还会关心：未来如果需要用钱，保单里还能剩下多少资产？</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >这时候就要看现金价值。</span></span></p><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >这几款产品，在领取后都有现金价值：</span></span></section><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXO9WkUK4nS2iaHSv32rm17LMQqmQYkSuDp6yUgdKBCQ4Es0Qm0KyeAskSia3LSrYHurB4cGuzLpR8KriaJ5mTZLjY0cWbQyP47CQI%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXO9WkUK4nS2iaHSv32rm17LMQqmQYkSuDp6yUgdKBCQ4Es0Qm0KyeAskSia3LSrYHurB4cGuzLpR8KriaJ5mTZLjY0cWbQyP47CQI/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"><span><span text >从预期的回本速度来看，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >泰享年年第</span><span text style="color: rgb(255, 79, 121)">7年</span><span text ><金生有约2.0</span><span text style="color: rgb(255, 79, 121)">10年</span><span text ><青鸾计划一</span><span text style="color: rgb(255, 79, 121)">13年</span><span text ><明爱金彩计划三</span><span text style="color: rgb(255, 79, 121)">14年</span><span text >=火凤版</span><span text style="color: rgb(255, 79, 121)">14年</span><span text >。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >泰享年年优势明显。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >再看现金价值表现，整体排名大致也是：</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >泰享年年＞金生有约2.0＞青鸾计划一＞明爱金彩计划三≈火凤版。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >比如说，80岁的时候，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >泰享年年还剩</span><span text style="color: rgb(255, 79, 121)">141万多</span><span text >；金生有约2.0剩7</span><span text style="color: rgb(255, 79, 121)">6万多</span><span text >；青鸾</span><span text style="color: rgb(255, 79, 121)">74万出头</span><span text >；火凤</span><span text style="color: rgb(255, 79, 121)">74万多</span><span text >；明爱金彩计划三这时候已经一分现价都没有了。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >也就是说，现金价值这块，泰享年年最有实力。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >如果你买养老金的时候，考虑的不只是自己养老，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >还希望将来遇到大额资金需求时能随时拿出来一大笔钱，或者未来还能给家人留下一笔资产，那么</span><span text style="color: rgb(255, 79, 121)">泰享年年</span><span text >会更有优势一些。</span></span></p><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(255, 79, 121)">三、身故责任</span></span></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >养老金还有一个经常被忽略的问题：</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >如果养老金刚领没几年，人就不在了，还能给家人留下多少钱？</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >这一点，不同产品之间的差异其实非常大。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >从身故责任来看，</span><span text >泰享年年</span><span text >的表现是最强的。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >因为它始终保留较高的现金价值，未来身故还</span><span text style="color: rgb(255, 79, 121)">赔付现金价值和剩余保费中的较大者</span><span text >。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >也就是说，哪怕领到八九十岁身故，保单仍有百万级现价留给子女。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >明爱金彩计划三</span><span text >和</span><span text >金生有约2.0</span><span text >属于另一种思路，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >这两款产品都约定了</span><span text style="color: rgb(255, 79, 121)">20年保证领取</span><span text >。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >如果领取期间身故，剩余未领取的保证养老金会一次性给到家人，确定性非常强，至少不用担心养老金刚开始领就“领不回本”。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >而青鸾计划一的设计逻辑又不一样，它把更多利益放在了养老金领取上：</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >如果累计领取金额还没有达到已交保费，身故后会</span><span text style="color: rgb(255, 79, 121)">补足差额</span><span text >给家人；</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >但当累计领取超过本金之后，身故责任</span><span text style="color: rgb(255, 79, 121)">基本结束</span><span text >。</span></span></p><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(255, 79, 121)">四、这几款养老金，怎么选？</span></span></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >整篇测算做下来，其实每款产品的定位已经很清晰了。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span><span text >如果追求退休后领取更多养老金：</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >优先看复保的</span><span text style="color: rgb(255, 79, 121)">青鸾</span><span text >，其次是复保的</span><span text style="color: rgb(255, 79, 121)">火凤版</span><span text >。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span><span text >如果特别在意保证领取：</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(0, 0, 0)">长城人寿的</span><span text style="color: rgb(255, 79, 121)">明爱金彩D款</span><span text >和中荷人寿的</span><span text style="color: rgb(255, 79, 121)">今生有约2.0</span><span text >值得重点关注。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >另外，金生有约2.0支持加保，比较有特色，有需求的朋友可以考虑。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span><span text >如果希望养老金兼顾领取、现金价值和财富传承：</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(0, 0, 0)">陆家嘴国泰的</span><span text style="color: rgb(255, 79, 121)">泰享年年</span><span text >会更有优势。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >好了，如果你想了解养老金，可以把年龄、预算以及退休时间发给我，我帮你单独测算分析：</span></span></p><section style="text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXOpGD50vo1SlxU1yTnFTdNdR9WReVxXDCPYzafZ6J3JTmDxU9sNztOGVsaKJn7HicXfNG5ASQy5GUkVdLxzBqy8vyk2LhmUIlM8%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXOpGD50vo1SlxU1yTnFTdNdR9WReVxXDCPYzafZ6J3JTmDxU9sNztOGVsaKJn7HicXfNG5ASQy5GUkVdLxzBqy8vyk2LhmUIlM8/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgba(0, 0, 0, 0.9); text-align: center"><span ><strong ><span ><span ><span text >最后简单跟大家介绍一下自己：</span></span></span></strong></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: center"><span ><br /></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: center"><span ><span ><span text >懂保爷平台成立于2018年；</span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: center"><span ><span ><span text >秉着向上向善的信仰，</span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: center"><span ><span ><span text >站在客户角度，以客户为中心，测评优中选优</span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: center"><span ><span ><span text >为客户提供风险转嫁、</span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: center"><span ><span ><span text >储蓄理财和退休养老方面的优质保险内容与服务。</span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: center"><span ><span ><span text >全网粉丝1000万+，</span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: center"><span ><span ><span text >已累计为10万+家庭解决过保险难题。</span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: center"><span ><span ><span text >以成就安心生活为使命；</span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: center"><span ><span ><span text >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></span></span></section><p ></mp-style-type></p>
