<section ><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" style="text-align: center"><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEczswgeibuQ8WA1HZ01EILW5NwgFAic1ohA3ibxDIHMwZeGIgU28rTgh3Oc0gLMJVpibib7yWSsGrvQnicb8A%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEczswgeibuQ8WA1HZ01EILW5NwgFAic1ohA3ibxDIHMwZeGIgU28rTgh3Oc0gLMJVpibib7yWSsGrvQnicb8A/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></span></a><br /></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 ><br /></p><section ><span >今天继续分享一份保单。</span></section><section ><span ><br /></span></section><section ><span >案例是一位年轻小伙给自己<span >投保了</span><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247492099&idx=1&sn=2fe67f0d25482d40e2141eb5bc27663d&chksm=cfb60183f8c18895cf296ba3d4aba65f2f09ff1449e549602ad83ce0106922aea45db64a72c5&scene=21#wechat_redirect" textvalue="金满意足（臻享版）" linktype="text" imgurl="" imgdata="null" tab="innerlink"><span >金满意足（臻享版）</span></a><span >，缴费期10年，<span >每</span><span >年交</span><span >1</span><span >万</span>。</span></span></section><section ><span ><span ><br /></span></span></section><section ><span ><span >我们下面来看看，10年间，每年存个1万</span></span><span >，几十年后能涨到多少？</span></section><section ><span ></span></section><section ><br /></section><section ><span style="color: rgb(33, 89, 103)"><strong>一</strong></span><br /></section><section ><span ><br /></span></section><section ><span >产品不多说，评测参见：</span></section><section ><br /></section><section ><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247492099&idx=1&sn=2fe67f0d25482d40e2141eb5bc27663d&chksm=cfb60183f8c18895cf296ba3d4aba65f2f09ff1449e549602ad83ce0106922aea45db64a72c5&scene=21#wechat_redirect" textvalue="增额终身寿险排行榜，这款最值得买" linktype="text" imgurl="" imgdata="null" tab="innerlink">增额终身寿险排行榜，这款最值得买</a></span></section><section ><br /></section><section ><span ><span >老规矩，</span>先简单看下保单，</span><span style="text-align: center"></span></section><section ><span ><br /></span></section><section ><span >第1页是「</span><span style="color: rgb(255, 0, 0)">保险单</span><span >」，会写明合同编号、投保人、被保人、受益人、保险计划等。</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%2FO95eeDepqTNQLPR2yK4lxmfh1q3CvlQ3lgDiccN9rvScwHp9WXS91HJCskOWcoR2bNYB7RwPrEsmmGUM51t6qFw%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTNQLPR2yK4lxmfh1q3CvlQ3lgDiccN9rvScwHp9WXS91HJCskOWcoR2bNYB7RwPrEsmmGUM51t6qFw/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><span ></span><br /></section><section ><span >投保人x先生投保目的不仅是为了增值，</span></section><section ><span ><br /></span></section><section ><span >还有部分原因是自己身体欠佳（乙肝患者），无法投保健康险。</span></section><section ><span ><br /></span></section><section ><span >因此他存钱也是为了以后的健康保障，是做好长期持有准备的。</span></section><section ><span ><br /></span></section><section ><strong><span >这是一个健康异常人群“曲线救国”的好方法，买不了健康险的朋友可以重点考虑。</span></strong><span ><br /></span></section><section ><span ><br /></span></section><section ><span >而后根据建议，</span></section><section ><span ><br /></span></section><section ><span >x先生选择1</span><span >年交1万，交10年，累计保费为10万，<span >压</span><span >力不大</span>。</span></section><section ><span ><br /></span></section><section ><span ><strong style="color: rgb(33, 89, 103)">二</strong></span></section><section ><span ><br /></span></section><section ><span >下面就是重头戏了，每份理财险必有的<span >「</span></span><span style="color: rgb(255, 0, 0)">现金价值表</span><span ><span >」</span>：</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%2FO95eeDepqTNQLPR2yK4lxmfh1q3CvlQ3NuSjwCnqKxen2oHVWnX8fnaiazXx2Y2Dj4kBibNsJ5bzicia3ykPk6WX0A%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTNQLPR2yK4lxmfh1q3CvlQ3NuSjwCnqKxen2oHVWnX8fnaiazXx2Y2Dj4kBibNsJ5bzicia3ykPk6WX0A/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><span ></span><br /></section><section ><span ></span></section><section ><span style="color: rgb(136, 136, 136)">注：弘康金满意足（臻享版）条款名为弘康弘运增利，二者是一款产品。</span></section><section ><span ><br /></span></section><section ><span >通过这个表，我们就能看到x先生投保金满意足（臻享版）后的收益了。</span></section><section ><span ><br /></span></section><section ><span >明显，每年“存”1万，累计存入10万。</span></section><section ><span ><br /></span></section><ul ><li><p ><span ><span >交完钱10年后，</span></span><span >现金价值约</span><strong >17万</strong><span >，是累计投入本金10万的1.7倍，</span><span >相当于年化单利</span><strong><span >4.54%</span></strong><span >；</span></p></li><li><p ><span ><span >交完钱20年后，</span><span >现金价值约</span><strong >24万</strong><span >，是累计投入本金10万的2.4倍，</span><span >相当于年化单利</span><strong><span >5.50%</span></strong><span >；</span></span></p></li><li><p ><span ><span >交完钱40年后，现金价值约</span><strong>48万</strong><span >，是累计投入本金10万的4.8倍，</span>相当于年化单利</span><span style="color: rgb(255, 0, 0)"><strong>8.31%</strong></span><span >！</span></p></li></ul><section ><span ></span></section><section ><span ><br /></span></section><section ><span >这么高的单利，在利率持续下行环境中，又能保证安全+灵活，普通人是找不到第二种方式的。</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(136, 136, 136)">银行定存现在才2.75%，未来只会更低。</span></section><section ><strong><span ><span ></span></span></strong></section><section ><span ><br /></span></section><section ><span >这些都是<span >白纸黑字</span>写进保险合同的，不用担心和实际现金价值有出入，</span><span >有需要就能</span><span >当作银行活期随时取用。</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(136, 136, 136)">不取用，一直作为自己的健康保障也行，毕竟谁也不能保证自己未来不患大病。</span></section><section ><span ><span ></span></span></section><section ><span ><br /></span></section><section ><span style="color: rgb(33, 89, 103)"><strong>三</strong></span><br /></section><section ><br /></section><section ><span >之后的保单内容都比较简单，</span></section><section ><span ><br /></span></section><section ><span >包含金满意足（臻享版）的<span >「</span><span style="color: rgb(255, 0, 0)">电子投保单</span><span >」、<span >「<span style="color: rgb(255, 0, 0)">保险条款</span></span><span >」、「<span style="color: rgb(255, 0, 0)">健康告知</span>」、「<span style="color: rgb(255, 0, 0)">人身保险投保提示书</span>」</span>等。</span></span></section><section ><span ><span ><br /></span></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTNQLPR2yK4lxmfh1q3CvlQ3CUBVyL6nveDW8kZtPZEiboyPMibjmRzH7ribXukRJqQO99sRTXu2bEU0Q%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTNQLPR2yK4lxmfh1q3CvlQ3CUBVyL6nveDW8kZtPZEiboyPMibjmRzH7ribXukRJqQO99sRTXu2bEU0Q/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><br /></section><section ><span >可以看到一些更为详细的投保信息</span><span >。</span></section><section ><span ><br /></span></section><section ><span >以上就是整份保单的内容了。</span></section><section ><span ><br /></span></section><section ><span >很多朋友担心买完增额终身寿险后，IRR会不会有3.5%，其实不必担心，</span></section><section ><span ><br /></span></section><section ><span >因为哪一年账户多少钱在合同里都确定好了</span><span style="color: rgb(136, 136, 136)">（现金价值表）</span><span >，一算便知。</span></section><section ><br /></section><section ><span >最后想了解、投保金满意足（臻享版）的朋友，我把投保入口放下面了 ▼：<br /></span></section><section ><span ><br /></span></section><section ><span >同款投保入口：<a href="" href="">金满意足（臻享版）</a></span></section><section ><br /></section><section ><span >产品评测：</span><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247492099&idx=1&sn=2fe67f0d25482d40e2141eb5bc27663d&chksm=cfb60183f8c18895cf296ba3d4aba65f2f09ff1449e549602ad83ce0106922aea45db64a72c5&scene=21#wechat_redirect" textvalue="增额终身寿险排行榜，这款最值得买" linktype="text" imgurl="" imgdata="null" tab="innerlink">增额终身寿险排行榜，这款最值得买</a></span></section><section ><br /></section><section ><strong ><span style="color: rgba(0, 0, 0, 0.9); text-align: start">大家对产品要是有疑问，可以加我助手微信</span><strong style="color: rgb(0, 0, 0)"><span >：</span></strong></strong><strong style="color: rgb(0, 0, 0)"><span >dongbaoye888</span></strong></section><section ><strong style="color: rgb(0, 0, 0)"><span ></span></strong></section><section ><strong style="color: rgb(0, 0, 0)"><span ></span></strong></section><section ><br /></section><section ><span style="color: rgb(0, 0, 0)"><strong ><span >或点击下方</span></strong></span><span ><span style="color: rgb(33, 89, 103)"><strong ><span >公众号“免费咨询”菜单</span></strong></span><span style="color: rgb(0, 0, 0)"><strong ><span >找我团队专业保险规划老师帮你解决。</span></strong></span></span></section><section></mpprofile></section><section ><strong><span >相关阅读：</span></strong><span ><br /></span></section><section ><br /></section><section ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247492099&idx=1&sn=2fe67f0d25482d40e2141eb5bc27663d&chksm=cfb60183f8c18895cf296ba3d4aba65f2f09ff1449e549602ad83ce0106922aea45db64a72c5&scene=21#wechat_redirect" textvalue="增额终身寿险排行榜，这款最值得买" linktype="text" imgurl="" imgdata="null" tab="innerlink" ><span >增额终身寿险排行榜，这款最值得买</span></a><br /></section><section ><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"><span style="color: rgb(0, 0, 0)"><strong ><br /></strong></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FO95eeDepqTPX79HzDmJaNiaohKhfEd58Ok6mcU6JsZickVx1UkAibENclTVHm5e91NUUMib6W0qz9oPUWKFgyR3uYA%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/O95eeDepqTPX79HzDmJaNiaohKhfEd58Ok6mcU6JsZickVx1UkAibENclTVHm5e91NUUMib6W0qz9oPUWKFgyR3uYA/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>
