<section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEczsQg5K4oKXJuqPXkHBASagdr02UvYqfNGIU8YibzGf8EX3yTpaoy4xLPXgbvzz2sBHcpDmkvZwDIwA%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEczsQg5K4oKXJuqPXkHBASagdr02UvYqfNGIU8YibzGf8EX3yTpaoy4xLPXgbvzz2sBHcpDmkvZwDIwA/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><p style="color: rgb(51, 51, 51)"><br /></p><section ></section><p style="color: rgb(51, 51, 51)"><br /></p><section style="text-align: center; color: rgb(51, 51, 51)"><span ></span></section><section style="text-align: center"><span >养老保险交了这么多年</span></section><section style="text-align: center"><span >最后我们怎么领取养老金呢？</span></section><section style="text-align: center"><span >按国家规定，领取养老金有两个条件：</span></section><section style="text-align: center"><span >1、累计缴费满15年</span></section><section style="text-align: center"><span >2、达到法定退休年龄</span></section><section style="text-align: center"><span >然后是按月发放的</span></section><section style="text-align: center"><span >活着就能领</span></section><section style="text-align: center"><span >终身享用</span></section><section style="text-align: center"><span >如果没达到条件</span></section><section style="text-align: center"><span >退休前未缴满15年，</span></section><section style="text-align: center"><span >你只能拿到自己个人缴纳的部分</span></section><section style="text-align: center"><span >公司帮你缴纳的部分就拿不到了</span></section><section style="text-align: center"><span >如果有在多地交过社保</span></section><section style="text-align: center"><span >总共累计满15年即可</span></section><section style="text-align: center"><span >在哪里申请领取呢？</span></section><section style="text-align: center"><span >主要看有没有在一个城市交满10年？</span></section><section style="text-align: center"><span >如果都没有的话</span></section><section style="text-align: center"><span >在户籍所在地领取</span></section><section style="text-align: center"><span >如果在多个城市都交满10年</span></section><section style="text-align: center"><span >在最近一次交满10年的城市领取</span></section><section style="text-align: center"><span >你弄明白了吗？</span></section><section style="text-align: center"><br /></section><section style="text-align: justify; color: rgb(51, 51, 51)"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEczuLxnYXvaRJNUZtg7bWYkT5JrWpl1OktXicY6Y15O4tnkRQ4RdyYIJcXJQSclT6HVmhnkG3nD8wd0w%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEczuLxnYXvaRJNUZtg7bWYkT5JrWpl1OktXicY6Y15O4tnkRQ4RdyYIJcXJQSclT6HVmhnkG3nD8wd0w/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><p style="color: rgb(51, 51, 51)"><br /></p><h2 style="text-align: justify; color: rgb(51, 51, 51)"><span >最后保爷来分享下保爷研究了几百个保险后吐血整理出来的【保险指南】，看完保证能帮你省钱50%避坑100%！</span></h2><p style="color: rgb(51, 51, 51)"><br /></p><section style="text-align: justify; color: rgb(51, 51, 51)"><span ><strong style="color: rgb(33, 89, 103)">指南目录</strong><strong style="color: rgb(33, 89, 103)"></strong></span></section><p style="color: rgb(51, 51, 51)"><br /></p><section style="text-align: justify; color: rgb(51, 51, 51)"><span >一、家庭投保四大基本原则</span></section><section style="text-align: justify; color: rgb(51, 51, 51)"><span >二、四大保障型保险简介</span></section><section style="text-align: justify; color: rgb(51, 51, 51)"><span >三、保险方案（儿童、中年人、父母）</span></section><section style="text-align: justify; color: rgb(51, 51, 51)"><span >四、买保险前不可不知的10大问题</span></section><section style="text-align: justify; color: rgb(51, 51, 51)"><span >五、添加保爷微信一对一咨询</span></section><section style="text-align: justify; color: rgb(51, 51, 51)"><span >六、私人定制家庭保险方案<br /></span></section><p style="color: rgb(51, 51, 51)"><br /></p><section style="text-align: justify; color: rgb(51, 51, 51)"><span style="color: rgb(33, 89, 103)"><strong >一、家庭投保四大基本原则</strong><strong ></strong></span></section><p style="color: rgb(51, 51, 51)"><br /></p><section style="text-align: justify; color: rgb(51, 51, 51)"><span style="color: rgb(0, 0, 0)">原则1：先自己后小孩再父母</span></section><section style="text-align: justify; color: rgb(51, 51, 51)"><span style="color: rgb(0, 0, 0)">原则2：先保障后理财</span></section><section style="text-align: justify; color: rgb(51, 51, 51)"><span style="color: rgb(0, 0, 0)">原则3：单点不要套餐</span></section><section style="text-align: justify; color: rgb(51, 51, 51)"><span style="color: rgb(0, 0, 0)">原则4：先保额后其他</span></section><p style="color: rgb(51, 51, 51)"><br /></p><section style="text-align: justify; color: rgb(51, 51, 51)"><span style="color: rgb(33, 89, 103)"><strong >二、保障型4大保险简介</strong><strong ></strong></span></section><p style="color: rgb(51, 51, 51)"><br /></p><section style="text-align: justify; color: rgb(51, 51, 51)"><span >从保障的角度，保险分为四大类：<strong >重疾险、定期寿险、意外险、医疗险</strong>。</span></section><p style="color: rgb(51, 51, 51)"><br /></p><section style="text-align: justify; color: rgb(51, 51, 51)"><span style="color: rgb(33, 89, 103)"><strong >重疾险：</strong><strong ></strong></span><span >一旦<strong >确诊</strong>合同约定的重大疾病，达到赔付标准，<strong >一次性</strong>获得保险公司几十万赔偿。主要用于弥补患大病后不能工作导致的收入损失，大病必备。</span></section><p style="color: rgb(51, 51, 51)"><br /></p><section style="text-align: justify; color: rgb(51, 51, 51)"><span style="color: rgb(33, 89, 103)"><strong >医疗险：</strong><strong ></strong></span><span >是我们最熟悉、接触最多的，它和基本医保一样，是报销型保险，就是先看病，花了多少钱，凭发票报销。</span></section><p style="color: rgb(51, 51, 51)"><br /></p><section style="text-align: justify; color: rgb(51, 51, 51)"><span style="color: rgb(33, 89, 103)"><strong >定期寿险：</strong><strong ></strong></span><span >保障责任很简单，就是保障身故和全残，如果身故/全残了，就获得保额赔偿。若是<strong >家庭经济支柱</strong>或者有<strong >房贷</strong>的朋友，建议投保一份。</span></section><p style="color: rgb(51, 51, 51)"><br /></p><section style="text-align: justify; color: rgb(51, 51, 51)"><span style="color: rgb(33, 89, 103)"><strong >意外险：</strong><strong ></strong></span><span >保障意外医疗、意外伤残和意外身故，价格低、保额高，所以杠杆非常高。</span></section><p style="color: rgb(51, 51, 51)"><br /></p><section style="text-align: justify; color: rgb(51, 51, 51)"><span ><strong ><span >这4类保障型保险配置完后，如果还有预算，才可以考虑理年金险、分红险、万能险等理财类保险，千万不要本末倒置了。</span></strong><strong ><span ></span></strong></span><br /></section><section style="text-align: center; color: rgb(51, 51, 51)"><span >......</span><br /></section><p style="color: rgb(51, 51, 51)"><br /></p><section style="text-align: justify; color: rgb(51, 51, 51)"><span >完整版<strong >保险指南</strong>请点击左下角“<strong >阅读原文</strong>”查看。</span></section><p style="color: rgb(51, 51, 51)"><br /></p><section style="text-align: center; color: rgb(51, 51, 51)"><span ><span >— </span><strong >END </strong><span >—</span></span><span ></span></section><section style="text-align: center; color: rgb(51, 51, 51)"><span ><strong style="color: rgb(33, 89, 103)">愿你家的保单永不出险！</strong><strong style="color: rgb(33, 89, 103)"></strong></span></section><p style="color: rgb(51, 51, 51)"><br /></p><section style="text-align: justify; color: rgb(51, 51, 51)"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEcztdXE06nsChHb2dUxGQZQo6kTVEiclTvduCiage7u1WibxjEz4Pv5HictILoTk3MTOk5GXoM9FqTxiaC5g%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEcztdXE06nsChHb2dUxGQZQo6kTVEiclTvduCiage7u1WibxjEz4Pv5HictILoTk3MTOk5GXoM9FqTxiaC5g/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><p style="color: rgb(51, 51, 51)"><br /></p><section style="text-align: left; color: rgb(51, 51, 51)"><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，查看</span><span style="color: rgb(33, 89, 103)"><span style="color: rgb(33, 89, 103)" yahei="yahei" sans="sans" px="px" none="none" normal="normal" ui="ui" gb="gb" sc="sc" neue="neue" mp-quote="mp-quote" left="left" break-word="break-word">省钱避坑</span>保险指南</span></span></section>
