<section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FNGupRwr5hZDOhf58yKsxkwQTBOZCE4tsHDDibWDyFWmVWDyprBLsvmWU9bDVOicOlNLuTxXZP7hP05qJD9ib3ot5g%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/NGupRwr5hZDOhf58yKsxkwQTBOZCE4tsHDDibWDyFWmVWDyprBLsvmWU9bDVOicOlNLuTxXZP7hP05qJD9ib3ot5g/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><section ><span >一直以来，我们测评增额终身寿时，头部产品都鲜有【大公司】的“身影”。</span></section><section ><span >是大公司的增额寿产品不多吗？<br /></span></section><section ><span >并不！</span></section><section ><span >实在是大公司的好产品实在太少了。</span></section><section ><span >不过考虑到有些朋友颇有大公司情结：“我就想买大公司的增额寿，给个推荐呗。”<br /></span></section><p ><span >于是小鱼儿选了又选，最终选出了4款在大公司产品里表现非常不错的增额寿。</span></p><ul ><li><section ><span style="color: rgb(34, 101, 193)">「太平洋人寿」—鑫相伴（尊享版）</span></section></li><li><section ><span style="color: rgb(34, 101, 193)"><span style="color: rgb(34, 101, 193)">「</span>中邮人寿<span style="color: rgb(34, 101, 193)">」</span>—邮保一生2.0</span></section></li><li><section ><span style="color: rgb(34, 101, 193)"><span style="color: rgb(34, 101, 193)">「</span>中英人寿<span style="color: rgb(34, 101, 193)">」</span>—尊享传家（庆典版）</span></section></li><li><section ><span style="color: rgb(34, 101, 193)"><span style="color: rgb(34, 101, 193)">「</span>中意人寿<span style="color: rgb(34, 101, 193)">」</span>—永续我爱（尊享版）</span></section></li></ul><section ><span >想买大公司产品的朋友</span><span style="color: rgb(51, 51, 51)">，可以好好考虑这几款。<br /></span></section><section ><br /></section><section ><section style="text-align: center" powered-by="xiumi.us"><section style="text-align: justify; color: rgb(69, 107, 176)"><p style="text-align: center"><strong >01</strong></p></section></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(69, 107, 176)" powered-by="xiumi.us"><p ><strong>太平洋【鑫相伴（尊享版）】</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 >太平洋保险<span >成立于</span>1991年5月13日，总部设在上海，是国内领先的综合性保险集团，连续9年入选《财富》世界500强。</span><br /></p><p ><span >太平洋人寿正是太平洋保险旗下的专业寿险子公司。</span></p><p ><span >2022年，太保寿险保费收入达到2253.43亿，行业top3级别，最新风险评估等级也是业内最高的</span><strong >AAA级</strong><span >。</span></p><p ><span >算是<span >真正意义上的“大公司”。</span></span></p><p ><span >作为大品牌产品，我们来看看<span >鑫相伴</span>是否能够惊艳大家。</span></p><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZD9Ch6bQgBMqjVu9YR7N5tftKricG6FalXBLHQmWtcXc28Rl5WYE11UxwicicMB5TU8XKE6OoibiavnY7g%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZD9Ch6bQgBMqjVu9YR7N5tftKricG6FalXBLHQmWtcXc28Rl5WYE11UxwicicMB5TU8XKE6OoibiavnY7g/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><p ><span >鑫相伴（尊享版）支持趸交、3/5/10年交，表现都还不错。</span></p><p ><span style="color: rgb(34, 101, 193)">其中3年交最突出，保单第30年退保利率就可达到3.35%，退保利率也是所有缴费期下最快到达3.4%的。</span></p><section ><span >见多了3.47%、3.48%甚至是3.49%的增额寿产品，</span></section><section ><span >或许认为增额寿退保利率达到3.4%是很容易，但大多数大公司的增额寿退保利率最高也只有3.3%左右。</span></section><section ><span >此外，鑫相伴保费满足条件还可对接太保的高端养老社区；</span></section><section ><span >也支持设置第二投保人，进行定向传承。<br /></span></section><section ><span >投保没有区域限制，全国各地都能买。<br /></span></section><section ><span >作为大品牌里的增额寿，太平洋-鑫相伴（尊享版）是个非常好的选择！<br /></span></section><section ><section style="text-align: center" powered-by="xiumi.us"><section style="text-align: justify; color: rgb(69, 107, 176)"><p style="text-align: center"><strong >02</strong></p></section></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(69, 107, 176)" powered-by="xiumi.us"><p ><strong >中邮人寿【邮保一生2.0】<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 >中邮人寿，成立于2009年，注册资本高达286亿。</span></section><section ><span >当前保费规模位列国内top10，仅次于国寿、太平洋、平安为首等老七家。</span><br /></section><section ><span >即便不提规模，这家公司背景也绝对够得上大公司了，隶属中国邮政集团，香港友邦保险是它的战略股东！</span></section><p ><span >背靠中国邮政这颗大树，起跑线实在高过其他公司太多。<br /></span></p><p ><span >说回邮保一生2.0，</span></p><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZD9Ch6bQgBMqjVu9YR7N5tfezTMwsD1elFCbMuSkcE247orv9LUjNicRHwZzZua0chMicSViajx19Y9g%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZD9Ch6bQgBMqjVu9YR7N5tfezTMwsD1elFCbMuSkcE247orv9LUjNicRHwZzZua0chMicSViajx19Y9g/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><p ><span >邮保一生2.0不支持趸交，支持3/5/10年交。<br /></span></p><p ><span >其中0-60岁支持这三个缴费期，但61-70岁只能选择3年和5年交。<br /></span></p><p ><span style="color: rgb(34, 101, 193)">三个缴费期综合表现都不错，</span></p><p ><span >3年和5年缴费期下保单利益增长快，保单30年以内退保利率就达到3.3%+的水平了！</span></p><p ><span >此外，5年和10年缴费期下在保单第50年时退保利率都达到了3.4%+的水平，3年交也是接近3.4%。</span></p><p ><span style="color: rgb(34, 101, 193)">也许放到整个增额寿市场上不算拔尖，但已经是大公司里很不错的水平了。</span></p><p ><span >5年交和10年交比上面太平洋的鑫相伴还要强一些！</span></p><p ><span >保单权益方面中规中矩，有提供增值服务，包括健康管理、就医服务两大块。</span></p><p ><span >不同层次的VIP客户可以享受相应的服务内容，但在大公司里算比较一般。<br /></span></p><p ><span >当然，邮保一生2.0产品整体表现很不错，值得重点考虑！</span><br /></p><section ><section style="text-align: center" powered-by="xiumi.us"><section style="text-align: justify; color: rgb(69, 107, 176)"><p style="text-align: center"><strong >03</strong></p></section></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(69, 107, 176)" powered-by="xiumi.us"><p ><strong >中英人寿【尊享传家（庆典版）】<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 >接下来是中英人寿，成立于2002年，是一家中英合资公司。</span></p><p ><span >中方股东是中粮集团，耳熟能详，是中央直属的大型国企；</span></p><p ><span >外方股东为拥有300多年历史的英杰华集团，是英国最大的保险服务提供商，世界第六大保险集团。</span></p><p ><strong><span >背景实力也是非常强大！</span></strong></p><p ><span >2022年4季度的综合偿付能力253.56%，最新风险评级<strong>AA</strong>级，公司经营状况也非常好。</span></p><p ><span style="color: rgb(34, 101, 193)">再看看中英人寿的这款尊享传家（庆典版）。</span></p><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZD9Ch6bQgBMqjVu9YR7N5tfH0lMQBvEKFnJkd2ssVkZTcRZQyB7ic4Fj0MAhwT7T0jjDLqwzBQsiawQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZD9Ch6bQgBMqjVu9YR7N5tfH0lMQBvEKFnJkd2ssVkZTcRZQyB7ic4Fj0MAhwT7T0jjDLqwzBQsiawQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><span style="color: rgb(34, 101, 193)">5年缴费期下，第6年现金价值就已经超过已交保费，速度非常快！</span></section><section ><span style="color: rgb(34, 101, 193)">前期现金价值比较平庸，后期保单利益在大公司里也是佼佼者！</span></section><section ><span >各个缴费期退保利率到保单第50年时，都达到了3.3%+的水平。<br /></span></section><section ><span >此外，增值服务含金量非常高。<br /></span></section><section ><span >除了比较基本的预约挂号、赔诊服务、体检优惠以及紧急救援等。</span></section><section ><span >还有等级高一些的VIP体检套餐。</span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FNGupRwr5hZD9Ch6bQgBMqjVu9YR7N5tfxxDFKEszwkM4GDm6Xu6Wer2RHJqYvDEGANZicAiaHNIQuc9Mrq9Rr1IA%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/NGupRwr5hZD9Ch6bQgBMqjVu9YR7N5tfxxDFKEszwkM4GDm6Xu6Wer2RHJqYvDEGANZicAiaHNIQuc9Mrq9Rr1IA/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><section ><span >因此，综合表现不错的尊享传家，有质量较高的增值服务加持，还可对接信托和养老社区，也是非常有优势的。</span></section><section ><section style="text-align: center" powered-by="xiumi.us"><section style="text-align: justify; color: rgb(69, 107, 176)"><p style="text-align: center"><strong >04</strong></p></section></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(69, 107, 176)" powered-by="xiumi.us"><p ><strong >中意人寿【永续我爱（尊享版）】<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 >中意人寿一听名字就知道和中英人寿差不多了。</span></section><section ><span >没错，这也是家合资保险公司，股东双方是中石油与意大利忠利保险，世界500强。</span></section><section ><span >当前总资产接近1000亿元，是中国最大的合资寿险公司之一。</span></section><section ><span >2022年第4季度综合赔偿能力充足率分177.1%，公司经营状况也是非常良好的！</span></section><section ><span >看看这款产品各缴费期下保单利益对比。</span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZD9Ch6bQgBMqjVu9YR7N5tf24AMWVPvZ5LUjicZQeibuCBibZTPedLibLUyKyaCQu3DiavcO5BUicu969qQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZD9Ch6bQgBMqjVu9YR7N5tf24AMWVPvZ5LUjicZQeibuCBibZTPedLibLUyKyaCQu3DiavcO5BUicu969qQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><span >实话说这款产品现金价值数据远不如前几款，但它有个很明显的优势：</span></section><section ><span style="color: rgb(34, 101, 193)">趸交下，第二年现金价值就已经超过已交保费，速度非常快，市面最强！</span></section><section ><span >这就意味着前期现金价值高，如果前期有急需用钱的需求，不仅不会亏，还可以得到较高的保单利益。</span></section><section ><span >3年交，封闭期4年，5年交下，封闭期为5年。</span></section><section ><span >前期的现金价值放在整个市面上来说都是非常有优势的！</span></section><section ><span >此外，永续我爱支持隔代投保、第二投保人、保险金信托，用来隔离资产或财富传承很便捷。</span></section><section ><span >投保后还有中意星级服务，投保本人及直系亲属在一二线城市挂号难、看病难的问题可以有效缓解。</span></section><section ><span style="color: rgb(34, 101, 193)">所以，即便永续我爱数据表现一般，可超短的封闭期+产品功能，这块基本没对手。</span></section><section ><strong><span style="color: rgb(0, 0, 0); text-align: left">再把4款产品的详情都放一起看下，</span></strong></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZCc45RzhQRicgBiceRI1NJCxbLOZLK5AdtcgNBaiaWjqTDvz53W6mjMBHlfnJNlfDKSU26VEI0AibAiaibA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZCc45RzhQRicgBiceRI1NJCxbLOZLK5AdtcgNBaiaWjqTDvz53W6mjMBHlfnJNlfDKSU26VEI0AibAiaibA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: left"><span >除了保单利益外，</span></section><section style="text-align: left"><span >如果特别在意某款产品的特殊功能，也可以根据自身的需求选择。</span></section><section ><section style="text-align: center" powered-by="xiumi.us"><section style="text-align: justify; color: rgb(69, 107, 176)"><p style="text-align: center"><strong >05</strong></p></section></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(69, 107, 176)" powered-by="xiumi.us"><p ><strong >总结<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 style="text-align: left"><span style="color: rgb(0, 0, 0)"><strong><span >最后想说，</span></strong></span></p><section ><span >大公司的增额寿产品很多，</span></section><section ><span >例如国寿、泰康、新华等大公司都有很多产品，大家多少会有点眼花缭乱。</span></section><section ><span >但没关系，只要记住一点，</span></section><section ><span >大公司的产品未必更好，</span><span style="text-align: left; color: rgb(0, 0, 0)">可以追求大公司，但不能盲目选择。</span></section><section ><span >想要大公司增额寿的话，</span></section><section ><span >今天说的这几款已经是小鱼儿精挑细选的大公司好产品了。</span></section><p style="text-align: left"><span style="color: rgb(34, 101, 193)">想要追求“品牌”的朋友，这4款大公司的好产品，是非常值得上车的！</span></p><section ><section style="color: rgb(34, 101, 193)" powered-by="xiumi.us"><p ><br /></p></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 >END</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><section 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" /></section><p ></mp-style-type></p>
