<section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTPFibSQe1Ok6iaibZ4hicO6vaZbC24eP2BLvt4IKmsUxJIZcSo2AGLIzHsonkRZibREL9dic6IO1lFbibHfg%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTPFibSQe1Ok6iaibZ4hicO6vaZbC24eP2BLvt4IKmsUxJIZcSo2AGLIzHsonkRZibREL9dic6IO1lFbibHfg/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><br /></section><section ><span >近期只要聊到养老年金险，富德生命人寿绝对是家绕不过去的保险公司。</span></section><section ><span ><br /></span></section><section ><span >旗下的鑫禧年年系列，给了养老金市场相当多的震撼。<br /></span></section><section ><span ><br /></span></section><section ><span >从鑫禧年年尊享版，到鑫禧年年A款（富多多1号）和鑫禧年年B款，每款都堪称一时之选。<br /></span></section><section ><br /></section><section ><span >即便如此，富德生命也没停下。</span></section><section ><span ><br /></span></section><section ><span >随着新品</span><strong >鑫禧年年C款</strong><span >的正式亮相，养老年金市场又起波澜。</span></section><section ><br /></section><section ><span style="color: rgb(33, 89, 103)">一、</span></section><section ><br /></section><section ><span >作为鑫禧年年系列的新品，鑫禧C款产品形态和前辈们几乎一致：</span><br /></section><section ><br /></section><p ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FTCogyRTMEicdJ65mS5ZcZ1HTvkUkibDTbtSb2Z5x0PuoPwqQK8OTpod7bhkBdk9MUpmnq6XqZTKdFWQrKJQY7mkA%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/TCogyRTMEicdJ65mS5ZcZ1HTvkUkibDTbtSb2Z5x0PuoPwqQK8OTpod7bhkBdk9MUpmnq6XqZTKdFWQrKJQY7mkA/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></p><section ><br /></section><section ><span >承保机构还是我们非常熟悉的大公司——<strong>富德生命人寿</strong>。</span></section><p ><br /></p><p ><span >产品设计上，这次鑫禧年年C款不再提供多个可选方案，</span></p><p ><span ><br /></span></p><p ><span >而且直接选定了当前最热门的方案：<strong>高领取+身故赔付现金价值</strong>。</span></p><p ><span ><br /></span></p><p ><span >这正是过往鑫禧年年系列最成功的方案，也是鑫禧年年A款、B款、尊享版最被市场认可的形态，兼顾养老金+退保金+身故金。</span></p><p ><span ><br /></span></p><section ><span style="color: rgb(33, 89, 103)"><em><span >唯一要注意的是，因为该方案</span><span >身故是赔付现金价值，50岁以上的高龄人群投保后，留给现金价值增长的空间很小。</span></em></span></section><section ><br /></section><section ><span style="color: rgb(33, 89, 103)"><em><span >可能会出现领取没几年，不幸身故导致保费都没拿回来的情况。</span></em></span><span ></span></section><p ><span ><br /></span></p><p ><span >其他的，基本延续了鑫禧年年的家族基因，包括投保规则、现金价值持续时间等。<br /></span></p><section ><span ><br /></span></section><section ><span >值得一提的是，鑫禧年年C同样提供了<strong>祝寿金</strong>。</span></section><section ><br /></section><p ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FTCogyRTMEicdJ65mS5ZcZ1HTvkUkibDTbtlmF7lEM5hVevT2NB1ayicnYhhCrYmf0w4zehNzzpEofzBEco1LDIybQ%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/TCogyRTMEicdJ65mS5ZcZ1HTvkUkibDTbtlmF7lEM5hVevT2NB1ayicnYhhCrYmf0w4zehNzzpEofzBEco1LDIybQ/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></p><section ><br /></section><section ><span >前几款产品，鑫禧年</span><span >年A款没有祝寿金，B款分别在85岁和95岁额外提供1.5倍和5倍年金，尊享版在88岁额外给付1倍年金；</span></section><section ><span ><br /></span></section><section ><span >C款则是在86岁时，额外给付2倍年金的祝寿金。</span></section><section ><span ><br /></span></section><section ><span >正常来说，C款的祝寿金设置是最容易拿到，且金额不菲的。</span></section><section ><span ><br /></span></section><section ><span >当然，祝寿金只是锦上添花，到底好不好还得取决于“三金”表现。</span></section><section ><br /></section><section ><span style="color: rgb(33, 89, 103)">二、</span></section><section ><br /></section><section ><span >这里直接把鑫禧年年C和几款市面第一梯队年金做个对比，</span></section><section ><span ></span></section><section ><span ><br /></span></section><section ><span >分别以40岁投保、年交10万、5年交为例，进行测算。</span></section><section ><br /></section><p ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FTCogyRTMEicdJ65mS5ZcZ1HTvkUkibDTbtumMHghSJR8xPLIvTLUibSjtibMb7bB2Lu4Q2XYe19Cs7bxFKeRO7CzIw%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/TCogyRTMEicdJ65mS5ZcZ1HTvkUkibDTbtumMHghSJR8xPLIvTLUibSjtibMb7bB2Lu4Q2XYe19Cs7bxFKeRO7CzIw/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></p><section ><br /></section><section ><span >明显，90岁前，鑫禧年年C款和B款实际极为接近，</span></section><section ><span ><br /></span></section><section ><span >直到95岁B款拿到第二次祝寿金后，才会拉开一定差距（B款＞C款）。</span></section><section ><span ><br /></span></section><section ><span >至于A款，是把现金价值和祝寿金“转化”成了养老金，大幅增加了每年领取，和C款算是两个方向。</span></section><section ><span ><br /></span></section><section ><span >跟剩余产品相比，在数据层面，C款都能维持较大优势，这里不再一一展开。</span></section><section ><span ></span></section><section ><br /></section><section ><span >接着来看男性的投保结果，<br /></span></section><section ><span ><br /></span></section><p ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FTCogyRTMEicdJ65mS5ZcZ1HTvkUkibDTbtTic5WIzCvQ7smV9mGgHuVDiatlVSpt5n0sB1OoiaiaibWhNQRN0jrC7glpg%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/TCogyRTMEicdJ65mS5ZcZ1HTvkUkibDTbtTic5WIzCvQ7smV9mGgHuVDiatlVSpt5n0sB1OoiaiaibWhNQRN0jrC7glpg/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></p><p ><span ><br /></span></p><p ><span >男性投保，C款会略差一些，因为这款男性女性领取金额一致，</span></p><p ><br /></p><p ><span >而常规产品，男性领取会比女性领取要高很多（毕竟女性更长寿）。</span></p><p ><br /></p><p ><span >不过，这也只是和A款、B款相比差一些。</span></p><p ><span ><br /></span></p><p ><span >就数据结</span><span >果看，还是比大多数年金产品要好的。<br /></span></p><p ><br /></p><p ><strong><span >这样看，鑫禧年年C款好像只是B款的简化版，没啥特别的优势？</span></strong><span ></span><br /></p><p ><span ><br /></span></p><p ><span >倒也不是。</span></p><p ><span ><br /></span></p><p ><span >以上对比是固定缴费期、默认60岁领取养老金，</span><span ></span><span >我们再拓展一</span><span >些</span><span >数据来看：</span></p><p ><br /></p><p ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FTCogyRTMEicdJ65mS5ZcZ1HTvkUkibDTbtYJJkGLAOWCf9tjMDotASDkmTZtUdOEg209WNHiaCS4yzyL7YMIZSlxg%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/TCogyRTMEicdJ65mS5ZcZ1HTvkUkibDTbtYJJkGLAOWCf9tjMDotASDkmTZtUdOEg209WNHiaCS4yzyL7YMIZSlxg/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></p><p ><span ></span><br /></p><p ><span >多角度看会更直观</span><span >点。<br /></span></p><p ><br /></p><p ><span >首先是<strong>趸交</strong>和<strong>10年交</strong>时，鑫禧C款每年领取反而比B款更高（另外<span >个别</span><span >年龄段C款领取会持平B款</span>），</span></p><p ><span ><br /></span></p><p ><span >这种情况下，</span><span >在95岁前，C款优势会更加明显。</span><span ></span></p><p ><br /></p><p ><span >其次是选择<strong>65岁领取</strong>养老金，</span></p><p ><span ><br /></span></p><p ><span >该领取时间，是鑫禧C款最大的优势期，每年领取金额大幅提高，甚至比专攻领取的A款更极致！<br /></span></p><p ><span ><br /></span></p><p ><span >虽然现实选择60岁领取的人群最多，更晚的65岁领取不太讨喜，</span></p><p ><span ><br /></span></p><p ><span >但恰好准备</span><span >65岁领取的话，鑫禧C款算是当前最值得买的产品了，没有之一！</span></p><p ><span ><br /></span></p><p ><span >这些都是鑫禧年年C款的特有优势。</span></p><p ><br /></p><p ><span style="color: rgb(33, 89, 103)">三、</span></p><p ><br /></p><section ><span >最后给鑫禧年年C款做个总结：</span></section><section ><span ><br /></span></section><section ><strong><span >和鑫禧系列“<strong ><span >前辈</span></strong>”一样，C款也是出道即巅峰的典范，除了自家产品，少有外部产品能相提并论。</span></strong></section><section ><strong><span ><br /></span></strong></section><section ><span >至于鑫禧年年这个系列的内部对比，</span></section><section ><span ><br /></span></section><section ><span >最早的鑫禧年年尊享版现在</span><span >几乎不占优势，A款、B款、C款都是后来居上。<br /></span></section><section ><br /></section><section ><span >其中每款都有一定的独有优势。</span></section><section ><span ><br /></span></section><section ><strong><span >A款胜在大多数情况下的极致领取，B款胜在祝寿金<span >拿满</span>的高回报，C款两者兼顾一些。</span></strong><span ><br /></span></section><section ><br /></section><section ><span >不过盛名之下，也存在一些枪打出头鸟的风险。</span></section><section ><span ><br /></span></section><section ><span >已有消息称，有产品的部分缴费计划即将下架，当前的大背景就是监管强推报行合一，很难说鑫禧年年这类超主流产品能不能撑下去。</span></section><section ><span ></span></section><section ><span ><br /></span></section><section ><span >方兴未艾的储蓄险市场，或将迎来又一次洗牌。<br /></span></section><p ><br /></p><section ><br /></section><section ><strong><em><span style="color: rgb(33, 89, 103)">有问题，可扫描下图二维码咨询我团队的专业规划老师。</span></em></strong></section><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FO95eeDepqTOpB6SvNluyC7ibynwMqmmaeYaEESkpsJpZYybXqtHXeYNahSKOQ9dUFW3Eq7ibxWIjmRarPG9x0XKg%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/O95eeDepqTOpB6SvNluyC7ibynwMqmmaeYaEESkpsJpZYybXqtHXeYNahSKOQ9dUFW3Eq7ibxWIjmRarPG9x0XKg/640?wx_fmt=gif" alt="懂保爷测评配图" loading="lazy" /></section><section ><br /></section><section ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247496666&idx=1&sn=6ed587679d0f67d166246df32328798f&chksm=cfb6105af8c1994c727f56db310d5591771ba8c785ba443c7d87651a97d11bbdc79541e162d4&scene=21#wechat_redirect" textvalue="为什么选择懂保爷？" linktype="text" imgurl="" imgdata="null" tab="innerlink" style="color: var(--weui-LINK)"></a></section><section style="text-align: center"><span ><span >— </span><strong >END </strong><span >—</span></span></section><section></mp-common-profile></section><section style="text-align: left"><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)">懂保爷严选【理财、养老、保障】产品汇总</span></span></section><section label="Powered by 135editor.com" ><section ><br /></section><section style="text-align: right"><section ><p style="text-align: center; color: rgb(63, 62, 63)"><span >如有帮助，帮忙点个<span style="color: rgb(33, 89, 103)"><strong >在看</strong></span></span><span style="color: rgb(0, 0, 0)">吧</span><span >，谢谢！</span></p></section></section></section><p ></mp-style-type></p>
