<section style="text-align: center"><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447790313&idx=2&sn=55e0cf403a3327c58f7dfcc77ea888c8&chksm=b2b077ab85c7febda44a18349455223c46e61a6d8082f6f51e7dcbb9a81e93eba23d8e4d1845&scene=21#wechat_redirect" textvalue="你已选中了添加链接的内容" tab="innerlink" hasload="1" wah-hotarea="click" ><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FO95eeDepqTPZElCu6C9LuHOYicVCiakgoDcmFLdcYzUib8sF0hHzEqde4eJrPMAkg2PiaYxcuGq43wbAbZHLiarwtkQ%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/O95eeDepqTPZElCu6C9LuHOYicVCiakgoDcmFLdcYzUib8sF0hHzEqde4eJrPMAkg2PiaYxcuGq43wbAbZHLiarwtkQ/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></span></a></section><p style="text-align: center"><span style="color: rgb(136, 136, 136)">点上方图片看看【封面图的故事】</span></p><p style="text-align: center"><br /></p><p ><span >不知道大家发现没，保爷推荐的精选保险里多了一个新菜单：「</span><span style="color: rgb(33, 89, 103)">养老险</span><span >」。</span></p><p ><span ><br /></span></p><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FO95eeDepqTPZElCu6C9LuHOYicVCiakgoDG8vE73zFQaHrdhNZ1HGG9JSibibLC8nIRnYYvMhIsUTtVy06DllruQ4g%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/O95eeDepqTPZElCu6C9LuHOYicVCiakgoDG8vE73zFQaHrdhNZ1HGG9JSibibLC8nIRnYYvMhIsUTtVy06DllruQ4g/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><p ><br /></p><p ><span >养老险作为“偏结果向”的保险<span style="color: rgb(136, 136, 136)">（类似教育金、婚嫁金）</span>，其实不是一类新的险种</span><span >，而是许多保险的集合。</span></p><p ><span ><br /></span></p><p ><span >我之所以单独拎出来，是为了给有养老需求的朋友明确下方向，</span></p><p ><span ><br /></span></p><p ><span >毕竟“养老”是目的，实现这个目的的手段</span><span style="color: rgb(136, 136, 136)">（保险）</span><span >有很多，下面我们就来聊聊这点。</span></p><p ><br /></p><section ><span ><section ><section style="text-align: left"><section ><section style="color: rgb(50, 135, 156)"><section style="text-align: center"><span style="color: rgb(33, 89, 103)"><strong >一、养老险是什么？</strong></span></section></section></section></section></section></span></section><section ><br /></section><section ><span >即便有个统称——养老险，可这类保险之间差异极大。</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(136, 136, 136)">既有固定给付的养老年金险，也有增额寿险这种“活期账户”。</span></section><section ><span ><br /></span></section><section ><span >这是因为<strong>每个人的养老方式和需求都不一样</strong>。</span></section><section ><span ><br /></span></section><ul ><li ><p ><span >有的人眼中的养老是退休后可以稳定获取的“现金流”；<br /></span></p></li><li ><p ><span >有的人则是希望自己有个足够大的、可自由支配的“现金池”；<br /></span></p></li><li ><p ><span >有的人目前不确定，想两者兼顾...</span></p></li></ul><section ><span ><br /></span></section><section ><span >如此种种，不一而足。</span></section><section ><span ><br /></span></section><section ><span >这就导致了，虽然市面上有很多“养老险”，但适合张三的产品，可能完全不适合李四。</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(136, 136, 136)">如张三60岁左右要用一大笔钱，那他肯定不能买定期给付年金的年金险；而</span><span style="color: rgb(136, 136, 136)">李四就要个稳定的现金流，学张三肯定不行</span><span style="color: rgb(136, 136, 136)">。</span></section><section ><span ><br /></span></section><section ><span >目前来说，我们可以把“养老险”分成两类：<strong>年金险、增额寿险</strong>。</span></section><section ><br /></section><section ><strong><span >养老年金险</span></strong><span >是约定一个年龄，达到年龄后保险公司开始每年给付“年金”，一直给到被保人身故为止。</span></section><section ><span ><br /></span></section><section ><span >举个例子，如图：</span></section><section ><span ><br /></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTPZElCu6C9LuHOYicVCiakgoDnGDUp0Fk3YtyQ45AhT8WtojQ5wfJGtKBwriaT0M6ZHFBVMKRR4WibNrA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTPZElCu6C9LuHOYicVCiakgoDnGDUp0Fk3YtyQ45AhT8WtojQ5wfJGtKBwriaT0M6ZHFBVMKRR4WibNrA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><br /></section><section ><span >这是一份典型的养老年金险，以30岁投保50万（分5年交）为例：</span></section><section ><span ><br /></span></section><section ><span >60岁开始，保险公司每年打钱84000元给你，一直到105岁</span><span style="color: rgb(136, 136, 136)">（保险认定的最长年龄，等同保障终身）</span><span >结束。</span></section><section ><span ><br /></span></section><section ><span >你想50岁开始领不行，70岁领也不行，你想一年领10万不行，领5万也不行，只能等60岁后，等着保险公司给你打84000元/年，这就是<strong>现金流</strong>。</span></section><section ><span ><br /></span></section><section ><span ><span style="color: rgb(136, 136, 136)">Ps：最后一列的</span><strong><span style="color: rgb(136, 136, 136)">现金价值</span></strong><span style="color: rgb(136, 136, 136)">是我们所买保单的价值，我们买保险后反悔，想退保，保险公司退给我们的钱就是现金价值。</span></span></section><section ><span style="color:#888888"><span ><br /></span></span></section><section ><span style="color:#888888"><span >以上图为例，50岁有急事，这份保险不想要了，就可以退保，这时能退回72万的现金应急。</span></span></section><section ><span ><br /></span></section><section ><span ><strong>增额寿险</strong>则像是我们在保险公司开设一个“银行账户”。</span></section><section ><br /></section><p ><span >保单的现金价值</span><span style="color: rgb(136, 136, 136)">（可理解为账户里的钱）</span><span >会在这个账户里持续复利增长，需要钱了就能“取现”出来用。</span></p><p ><span ><br /></span></p><p ><span >要是没一次把账户的钱取完，剩下的钱还能在账户里继续复利增长</span><span style="color: rgb(136, 136, 136)">（有点像余额宝）</span><span >，举例如下：</span></p><p ><span ><br /></span></p><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTPZElCu6C9LuHOYicVCiakgoDEtf4nTT0iaC6GW9dG3EUCrcPUzOFlmWRicibLaFpzphjK0q2kcDGGYPUw%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTPZElCu6C9LuHOYicVCiakgoDEtf4nTT0iaC6GW9dG3EUCrcPUzOFlmWRicibLaFpzphjK0q2kcDGGYPUw/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><p ><br /></p><section ><span >这是一份典型的增额寿险，以30岁投保50万（分5年交）为例：</span></section><section ><br /></section><section ><strong><span >它不像年金险那样能提供养老金，但现金价值是终身都有的，并且远远高于同期的年金险。</span></strong><span ></span></section><section ><span ><br /></span></section><section ><span >以55岁为例，之前的年金险现金价值只有约95万，增额寿险则高达114万！<br /></span></section><section ><br /></section><section ><span >再加上增额寿险一个很重要的特质——<strong>减保</strong>，</span></section><section ><span ><br /></span></section><section ><strong><span style="color: rgb(136, 136, 136)">减保即把现金价值部分取出来</span></strong><span style="color: rgb(136, 136, 136)">，例如70岁时上图现金价值有190万，就相当于你账户余额有190万，你取个20万、50万甚至全部取现都可以。</span></section><section ><br /></section><section ><span >这就使得增额寿险变成了一个现金池，用来干啥都行，自己支配，非常灵活。</span></section><section ><br /></section><section ><span style="color: rgb(33, 89, 103)"><strong><span style="color: rgb(33, 89, 103)">那我们买养老险，是买年金险划算呢，还是增额寿险划算呢？</span></strong></span></section><section ><strong><span ><br /></span></strong></section><section ><strong><span >主要看用途和用钱的年龄。<br /></span></strong></section><section ><br /></section><section ><span ><section ><section style="text-align: left"><section ><section style="color: rgb(50, 135, 156)"><section style="text-align: center"><span style="color: rgb(33, 89, 103)"><strong >二、不同养老险收益对比</strong></span></section></section></section></section></section></span></section><section ><br /></section><section ><span >为了更好的对比2类养老险，</span></section><section ><span ><br /></span></section><section ><span >我选取了几款有代表性的、收益第一梯队的年金险、增额寿险，</span></section><section ><span ><br /></span></section><section ><span >下面做个对比，看看收益怎么样：</span></section><section ><br /></section><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTPZElCu6C9LuHOYicVCiakgoDNqYEcjIJS84JPe2zNoTrwPwzyplrNPibjC2Uvjk4jhEj16vFVrljGKw%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTPZElCu6C9LuHOYicVCiakgoDNqYEcjIJS84JPe2zNoTrwPwzyplrNPibjC2Uvjk4jhEj16vFVrljGKw/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><br /></section><section ><span >不过这样对比，很难直观看出2类养老险哪个更好。</span></section><section ><span ><br /></span></section><section ><strong><span >因为增额寿险是没有养老金可领取的，而部分养老年金险的现金价值也不能保障终身。</span></strong><span ></span></section><section ><span ><br /></span></section><section ><span >因此，我们得换个角度对比，如下：<br /></span></section><section ><span ><br /></span></section><section style="text-align: center"><span style="color: rgb(123, 127, 131)"><strong >滑动查看长图 </strong></span></section><section ><section style="text-align: center"><section ><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FO95eeDepqTPZElCu6C9LuHOYicVCiakgoDlsiaGDZWjsmj1WHdfUNdiaNBJYEyhSXQJLTKDdysWeicibDSdpDiceCQk0A%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/O95eeDepqTPZElCu6C9LuHOYicVCiakgoDlsiaGDZWjsmj1WHdfUNdiaNBJYEyhSXQJLTKDdysWeicibDSdpDiceCQk0A/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section></section></section></section><section ><br /></section><section ><span style="color: rgb(136, 136, 136)">Ps：考虑到金满xx<span style="color: rgb(136, 136, 136)">（xx版）</span>和利x多收益非常接近，表中直接以金满xx（xx版）为例<br /></span></section><section ><br /></section><section ><span >增额寿险是一个现金池，账户的钱</span><span style="color: rgb(136, 136, 136)">（现金价值）</span><span >可以通过减保自由支配，我们就把增额寿险当年金险来用。</span></section><section ><span ><br /></span></section><section ><span >因为福xx生领取年金后不再具有现金价值，</span></section><section ><span ><br /></span></section><section ><span >我们把增额寿险的代表「金满xx（xx版）」按照<strong>终身拥有现金价值</strong>的年金险<span >「乐x多</span><span >」的领取方式进行减保。</span></span></section><section ><span ><span ><br /></span></span></section><section ><span >即60岁开始，每年从金满xx（xx版）的现金价值里减保81690元出来。</span></section><section ><span ><br /></span></section><section style="text-align: center"><span style="color: rgb(123, 127, 131)"><strong >滑动查看长图 </strong></span></section><section ><section style="text-align: center"><section ><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTPZElCu6C9LuHOYicVCiakgoDsXEbh38v5jLuLBDFIBP6ThoYicJ1nUtchx1edhPTKgoJPxduwAVtiasA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTPZElCu6C9LuHOYicVCiakgoDsXEbh38v5jLuLBDFIBP6ThoYicJ1nUtchx1edhPTKgoJPxduwAVtiasA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section></section></section></section><section ><br /></section><section ><span >我们可以发现：</span></section><section ><span ><br /></span></section><ul ><li style="color: rgb(136, 136, 136)"><p ><span ><span style="color: rgb(136, 136, 136)">金满xx（xx版）在60岁前，双方都没有收益的情况下，现金价值始终高于乐x多；</span></span></p></li></ul><p ><span ><span style="color: rgb(136, 136, 136)"><br /></span></span></p><ul ><li style="color: rgb(136, 136, 136)"><p ><span ><span style="color: rgb(136, 136, 136)">60-70岁，双方领取金额一样，但金满xx足现金价值依旧高于乐x多，意味着收益压制了乐x多；</span></span></p></li></ul><p ><span ><span style="color: rgb(136, 136, 136)"></span></span></p><ul ><li style="color: rgb(136, 136, 136)"><p ><span ><span style="color: rgb(136, 136, 136)">70岁后，形势转变，金满xx现金价值越减保越少，直到82岁彻底归零，而此后乐x多不仅现金价值还有，每年还能继续领年金。</span></span></p></li></ul><section ><span ><span ><br /></span></span></section><section ><strong><span >就是说，如果你买养老险，打算70岁前用养老账户这笔钱，那么增额寿险收益远远高于养老年金险，买年金险就亏；</span></strong></section><section ><strong><span ><br /></span></strong></section><section ><strong><span ><span >如果你</span><span >买养老险，</span><span >打</span><span >算7</span><span >0岁后才动</span><span >用，那么养老年金险</span><span >收益又会</span><span >高于增额寿险</span><span >，</span><span >买增额寿险就亏。</span></span></strong><span ><span ></span></span></section><section ><span ></span></section><section ><br /></section><section ><span >这个结果，我们也可以用反映真实收益的标杆—</span><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447794319&idx=1&sn=63c58da16ca04b9abc2d6f2ed1ed64a4&chksm=b2b047cd85c7cedb353b19c7b8fb6a283539604aa549f7374b21e8fd5cd9ea35f828bd037e4d&scene=21#wechat_redirect" textvalue="实际收益率（IRR）" tab="innerlink" wah-hotarea="click" hasload="1" ><span >实际收益率（IRR）</span></a><span >来对比验证。</span></section><section ><br /></section><section ><span style="color: rgb(136, 136, 136)">IRR是金融体系里衡量投资收益率高低的唯一标准，具体原理比较复杂，大家没必要去细究，只要知道实际收益率（IRR）越高，代表收益越高就行；</span></section><section ><span ><br /></span></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTPZElCu6C9LuHOYicVCiakgoDkqNbYnAFNtVnW6psSdvTSEic6xIVb4hnicA53MxJFeJicxPicg7ZGtq3Ew%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTPZElCu6C9LuHOYicVCiakgoDkqNbYnAFNtVnW6psSdvTSEic6xIVb4hnicA53MxJFeJicxPicg7ZGtq3Ew/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section ><br /><span ></span></section><section ><span >明显，70岁前增额寿险都能维持收益优势，70岁后IRR被养老年金险反超。</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(136, 136, 136)">福xx生明明领取金额最高，反而IRR不如乐x多是因为它60岁后没有现金价值.</span></section><section ><span style="color: rgb(136, 136, 136)"><strong><br /></strong></span></section><section ><span style="color: rgb(136, 136, 136)"><strong>因此就收益来说，选个终身有现金价值的年金险很重要。</strong></span></section><section ><span style="color: rgb(136, 136, 136)"><strong><br /></strong></span></section><section ><span style="color: rgb(136, 136, 136)">除非你晚年有其他资金来源，确保一辈子都不需要退保拿现金价值。</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(33, 89, 103)"><strong><span style="color: rgb(33, 89, 103)">综上：</span></strong></span></section><section ><span ><br /></span></section><section ><span >70岁前准备用账户里的钱，选增额寿险准没错</span><span style="color: rgb(136, 136, 136)">（不管是一次性用，还是每年减保领取）</span><span >；<br /></span></section><section ><span ><br /></span></section><section ><span >能等到70岁后才用这笔钱，选养老年金险更合适，并且活得越久收益越高</span><span >。</span></section><section ><span ><br /></span></section><section ><span >如果70岁前后都要用的，建议2类养老险各买一点。</span></section><section ><br /></section><section ><strong><span >这就是养老险的现状，在没有“新物种”出现前，以上推荐策略适用到永远。</span></strong><span ></span><br /></section><section ><strong><span ><br /></span></strong></section><section ><span ><span style="color: rgb(136, 136, 136)">注1：</span><span style="color: rgb(136, 136, 136)">70岁只是当前最好的增额寿险和</span><span style="color: rgb(136, 136, 136)">最好的</span><span style="color: rgb(136, 136, 136)">年金险</span><span style="color: rgb(136, 136, 136)">对比出来的结果，是</span><span style="color: rgb(136, 136, 136)">个大致</span><span style="color: rgb(136, 136, 136)">范围，不同情况下</span><span style="color: rgb(136, 136, 136)">提前</span><span style="color: rgb(136, 136, 136)">几</span><span style="color: rgb(136, 136, 136)">岁或</span><span style="color: rgb(136, 136, 136)">延后几岁都有可能</span><span style="color: rgb(136, 136, 136)">。</span></span></section><section ><span ><span style="color: rgb(136, 136, 136)"><br /></span></span></section><section ><span ><span style="color: rgb(136, 136, 136)">注2：举例为理想情况，不作挑选参考。以上是让大家知晓养老险的运作及投保策略，具体产品随着不同年龄/性别/产品特性可能有不同的结果。<br /></span></span></section><section style="text-align: center"><span style="color: rgb(136, 136, 136)"><br /></span></section><section ><span ><section ><section style="text-align: left"><section ><section style="color: rgb(50, 135, 156)"><section style="text-align: center"><span style="color: rgb(33, 89, 103)"><strong >写在最后</strong></span></section></section></section></section></section></span></section><section ><br /></section><p ><span >据七人普数据，我国目前有2.64亿人年龄在60岁以上，每5人中就有一位老人。</span><br /></p><p ><br /></p><p ><span >随着社会愈发老龄化，一个现实问题就是，临到我们退休，甚至临不到退休，国家养老金就没了。</span></p><p ><span ><br /></span></p><p ><span >到时即便有，能靠那体面生活吗？</span></p><p ><br /></p><p ><span >养老，值得认真对待，值得早做准备。</span><br /></p><section ><br /></section><section ><strong><span >有任何疑问可加我助手微信：dongbaoye888</span></strong></section><section ><br /></section><section ><strong><span >或点击</span></strong><span style="color: rgb(33, 89, 103)"><strong><span >下方公众号“免费咨询”菜单</span></strong></span><strong><span >找我团队专业保险规划老师帮你解决。</span></strong></section><section></mpprofile></section><section ><span style="color: rgb(0, 0, 0)">相关阅读：</span></section><section ><br /></section><section ><span ><strong >理财险科普：<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247491024&idx=2&sn=f8840886f83cd0ef27ee0362de0a0b70&chksm=cfb5fe50f8c2774637c8fc7aa2dd8ee076b91f82b58d46e46c6e7a68b817542fa5e573eb32d1&scene=21#wechat_redirect" tab="innerlink"></a></strong><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247491024&idx=2&sn=f8840886f83cd0ef27ee0362de0a0b70&chksm=cfb5fe50f8c2774637c8fc7aa2dd8ee076b91f82b58d46e46c6e7a68b817542fa5e573eb32d1&scene=21#wechat_redirect" tab="innerlink">谈谈投资理财险：了解这些，谁都忽悠不了你！</a><strong ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247491024&idx=2&sn=f8840886f83cd0ef27ee0362de0a0b70&chksm=cfb5fe50f8c2774637c8fc7aa2dd8ee076b91f82b58d46e46c6e7a68b817542fa5e573eb32d1&scene=21#wechat_redirect" tab="innerlink"></a></strong></span></section><section ><span ><strong >网上投保：</strong></span><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447787719&idx=1&sn=a9b80b3e85772fe569fb8a4dfbc4ba4a&chksm=b2b0618585c7e8934554004c34922a850cd82a9537ee2a7868e440eec2688d759e17e1cc4968&scene=21#wechat_redirect" tab="innerlink" hasload="1" wah-hotarea="click" ><span >「网上」</span>买保险靠谱吗？</a></section><section ><span ><strong >保险公司大小：</strong><strong ></strong><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447791906&idx=1&sn=2ce60e5394a0cbc2a4b1ca0feca31c04&chksm=b2b0706085c7f97675a310f1e6e0655a3b2aa8816dc1feedae32ef31bd9122b933b2190116eb&scene=21#wechat_redirect" tab="innerlink" hasload="1" wah-hotarea="click" >这个保险公司没听过，产品能买吗？理赔靠谱吗？</a></span><span ></span></section><section style="text-align: center"><br /></section><section style="text-align: center"><span ><span >— </span><strong >END </strong><span >—</span></span></section><section style="text-align: center"><span style="color: rgb(0, 0, 0)"><strong >愿你家的保单永不出险！</strong></span></section><section style="text-align: center"><br /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FaqibLpHUEcztskunFytwCia8wiaepDysSMfE3VwhSiaK8siaOT9TuTk1zdwnnNQxrWZ5P8bwZP6icia0z7fyVElB7hctw%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/aqibLpHUEcztskunFytwCia8wiaepDysSMfE3VwhSiaK8siaOT9TuTk1zdwnnNQxrWZ5P8bwZP6icia0z7fyVElB7hctw/640?wx_fmt=gif" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center"><br /></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)">懂保爷精选保险</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>
