<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" ><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEczuJayHbqRjBFB5XC3xYiapPias0Dj2gUF7W4sGDNJxTFuQNhxCmrKe7GsEibQ24Hgv5gvkeksqt3xExg%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEczuJayHbqRjBFB5XC3xYiapPias0Dj2gUF7W4sGDNJxTFuQNhxCmrKe7GsEibQ24Hgv5gvkeksqt3xExg/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"><span style="color: rgb(136, 136, 136)"><br /></span></p><section ><span >近期新上一款养老年金险，<span >中华保险</span>承保，名字叫<strong><span style="color: rgb(34, 34, 34); text-align: start">福瑞一生</span></strong>。</span></section><section ><span ><br /></span></section><section ><span >我看完后，就知道一大批养老金现在可以“退休”<span >了</span>。</span></section><section ><span ><br /></span></section><section ><span >下面我们一起来看看这款养老金究竟好在哪里。</span></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 >一、福瑞一生产品详情</strong></span></section></section></section></section></section></span></section><section ><span ><br /></span></section><section ><span >福瑞一生产品详情如下：</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%2FaqibLpHUEczsV8vlpuRdzxia6P14kBtcTDJ8MHPGupjiaIpibmwNdezyGIwfWKR63oSay86hfDLgTNULDbJqluzz1Q%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczsV8vlpuRdzxia6P14kBtcTDJ8MHPGupjiaIpibmwNdezyGIwfWKR63oSay86hfDLgTNULDbJqluzz1Q/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section ><span ><br /></span></section><section ><span >各项规则都比较清晰，不过</span><span ></span><strong >「</strong><strong >身故责任<strong ><strong >」</strong></strong></strong><span >得解释下：</span></section><section ><span ></span></section><section ><span ><br /></span></section><section ><span >要是领取养老金之前身故：已交保费和现金价值，哪个多就赔哪个。</span></section><section ><br /></section><section ><span >要是领取养老金之后身故：</span></section><section ><br /></section><ul ><li><p ><span >领取后20年内身故，保险公司会继续给付年金给受益人直至<strong>满20年</strong>结束，受益人也可以选择一次性给付</span><span >。<br /></span></p></li></ul><section ><br /></section><ul ><li><p ><span >已领取20年养老金后身故，无身故责任。</span></p></li></ul><section ><br /></section><section ><span >下面我们聊聊它的产品特色。</span></section><section ><span ><br /></span></section><section ><span >它的<strong>特点</strong>体现在2点：</span></section><section ><br /></section><section ><span style="color: rgb(33, 89, 103)">1、有保证领取</span></section><section ><span ><br /></span></section><p ><span >福瑞一生有<strong>20年保证续保期</strong>，啥意思？</span></p><p ><span ><br /></span></p><section ><span >举个例子：</span></section><section ><br /></section><section ><span >老王投保了福瑞一生，60岁后每年能领10万。<br /></span></section><section ><br /></section><section ><span >要是他领5年后，65岁身故，</span></section><section ><span ><br /></span></section><section ><span >老王的家人可以让保险公司把剩下15年保证领取的钱（200万-50万=150万）继续每年给付，也可以选择一次性拿钱。</span></section><section ><span ><br /></span></section><section ><span >即保证老王或他的家人能领到</span><strong >20年</strong><span >的养老金。</span></section><p ><br /></p><p ><span style="color: rgb(33, 89, 103)">2、高额领取</span></p><p ><span ><br /></span></p><p ><span ></span><span >我们以30岁男性，每年投10万，交5年，60岁领取为例，给大家看看它的收益：</span></p><p ><span ><br /></span></p><p ><span style="color: rgb(136, 136, 136)"><span style="color: rgb(136, 136, 136)">（为方便计算保额，表中保费设为100120元/年</span><span style="color: rgb(136, 136, 136)">）</span></span></p><p ><span ><br /></span></p><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%2FaqibLpHUEczsV8vlpuRdzxia6P14kBtcTDE7NUSKmusumRfntuBNciaa6zQtYBzqrXtYX8PcFEvKT83ghKhAEicd2A%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczsV8vlpuRdzxia6P14kBtcTDE7NUSKmusumRfntuBNciaa6zQtYBzqrXtYX8PcFEvKT83ghKhAEicd2A/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section></section></section></section><section ><br /></section><section ><span >算下来，总投入50万，60岁后每年能领<strong>84000元</strong>的养老金，一直能领到身故</span><span >。</span></section><section ><span ><br /></span></section><ul ><li><p><span >领6年，65岁时就回本了；</span></p></li><li><p><span >70岁时养老金收入92.4万，是投入资金的<strong>1.85倍</strong>；</span></p></li><li><p><span >80岁时养老金<span >收入176.4万，</span>是投入资金的<strong>3.51倍</strong>；</span></p></li><li><p><span >90岁时养老金<span >收入260.4万，</span>是投入资金的<strong>5.2倍</strong>！</span></p></li></ul><section ><br /></section><section ><span >不要小瞧这些数字，我们以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"><span >实际收益率</span><span >（IRR）</span></a><span >来看。</span><strong><span ></span></strong></section><section ><span ><br /></span></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><section ><span >领取20年养老金后，IRR就能达到3.42%，领取30年后IRR高达<strong>4.19%</strong>！</span></section><section ><br /></section><section ><span >收益相当可观。</span></section><section ><span ><br /></span></section><section ><strong><span style="color: rgb(33, 89, 103)">那这款福瑞一生有啥不足吗？</span></strong></section><section ><br /></section><section ><span >有2个小瑕疵。</span></section><section ><span ><br /></span></section><section ><span >一是开</span><span ><span >始领取养老金后，就没了现金价值，只能等保险公司“发钱”，不能退保了。</span></span></section><section ><span ><span ><br /></span></span></section><section ><span style="color: rgb(136, 136, 136)">不过专注养老的话，也没啥太大影响。</span></section><section ><span ><span ><br /></span></span></section><section ><span ><span >二是缴费期最长只有5年，而且</span></span><span >最少5万保额起投。</span></section><section ><span ><br /></span></section><section ><span >以30岁男性为例，即便选最长的5年交，每年最少也要交59595元</span><span >。</span></section><section ><span ><br /></span></section><section ><span >这个门槛还是有点高的。</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(136, 136, 136)">但这不算坑，因为任何养老金按这条件投保，保费也会这么高。<br /></span></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、和其他高收益年金险对比</strong></span></section></section></section></section></section></span></section><section ><span ><br /></span></section><section ><span >我们下面把福瑞一生和当前<strong>收益第一梯队</strong>的几款商业养老金：</span></section><section ><span ><br /></span></section><section ><span >臻享一生、光明慧选、养多多（A/B款）做个对比，看看收益怎么样：</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%2FaqibLpHUEczsV8vlpuRdzxia6P14kBtcTD3yBD0nZEktjoWDXd7ibzdlMib3j1LiaS6r3EwI8NxYJJs3MBPoiapbfyEw%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczsV8vlpuRdzxia6P14kBtcTD3yBD0nZEktjoWDXd7ibzdlMib3j1LiaS6r3EwI8NxYJJs3MBPoiapbfyEw/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section ><span style="color: rgb(33, 89, 103)"><br /></span></section><section ><span style="color: rgb(33, 89, 103)">从领取金额来看</span></section><section ><br /></section><section ><span ><strong>福瑞一生</strong>领的养老金最多，其次是<strong>养多多（B款）</strong>。</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(33, 89, 103)">从现金价值来看</span></section><section ><br /></section><section ><span >没领取养老金前，<strong>福瑞一生</strong>现金价值最高，</span></section><section ><span ><br /></span></section><section ><span >但是领取养老金后，<strong>臻享一生</strong>的现金价值最高</span><span style="color: rgb(136, 136, 136)">（即退保拿回的钱更多）</span><span >，并且现金价值一直存在。</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(33, 89, 103)">从回本速度来看</span></section><section ><br /></section><section ><strong><span >福瑞一生</span></strong><span >的回本速度最快，但和其他产品相比，优势不大。</span></section><section ><span ><br /></span></section><section ><span >综上：</span></section><section ><span style="color: rgb(136, 136, 136)"></span></section><section ><br /></section><section ><strong><span >只想好好养老、拿更多养老金的话</span></strong><span >，推荐选择福瑞一生，领的养老金当前最多，还有20年保证领取。</span></section><section ><span ><br /></span></section><section ><span >当然，前提是你手头资金较多，能接受短期高保额缴费。</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(136, 136, 136)">养多多（B款）虽然领钱也多，但缺陷太大（无<span style="color: rgb(136, 136, 136)">保证领取+领取后无现金价值</span>），就不做常规推荐了。</span></section><section ><span style="color: rgb(136, 136, 136)"><br /></span></section><section ><strong><span >要是还想兼顾下现金价值</span></strong><span >，臻享一生和养多多（A款）、光明慧选都值得投保，</span></section><section ><br /></section><section ><span style="color: rgb(136, 136, 136)"><span style="color: rgb(136, 136, 136)">光</span><span style="color: rgb(136, 136, 136)">明慧选</span>/养多多</span><span style="color: rgb(136, 136, 136)">（A款）</span><span style="color: rgb(136, 136, 136)">领得钱多一点，但80岁/85岁后就没了现金价值；</span><span style="color: rgb(136, 136, 136)">臻享一生</span><span style="color: rgb(136, 136, 136)">领得钱稍低，但现金价值高，且</span><strong style="color: rgb(136, 136, 136)">任何年龄段</strong><span style="color: rgb(136, 136, 136)">都可以退保拿到一笔现金价值。</span></section><section ><span style="color: rgb(136, 136, 136)"><br /></span></section><section ><span style="color: rgb(33, 89, 103)">「福瑞一生」养老金投保入口：</span></section><section ><br /></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczsV8vlpuRdzxia6P14kBtcTDjl6tDyqglxibAZOyCFdwPSicRrkYzClQHekzparFzxSn0bd9HxuL96ng%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczsV8vlpuRdzxia6P14kBtcTDjl6tDyqglxibAZOyCFdwPSicRrkYzClQHekzparFzxSn0bd9HxuL96ng/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section style="text-align: center"><span ><span style="color: rgb(136, 136, 136)">长按识别上方二维码，投保福瑞一生</span></span></section><section style="text-align: center"><span ><span style="color: rgb(136, 136, 136)"><br /></span></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 >大家可能还不知道，8月19日，包括五大行（工/农/中/建/交）在内的10家银行联合其他7家公司拟设立”国民养老保险股份有限公司”。</span></p><p ><br /></p><p ><span >目的很明确，国家就是要加强养老第三支柱</span><span style="color: rgb(136, 136, 136)">（商业养老保险）</span><span >发展，减轻第一、二支柱的压力。</span></p><p ><br /></p><p ><span >数据显示，截至2020年末，作为第三支柱的商业养老保险，其存量资产仅为0.6万亿元，仅占中国养老保障体系资产余额的5%左右。</span></p><p ><br /></p><p ><strong><span >买商业养老保险的人或者说有这个意识的人太少了。</span></strong><span ></span></p><p ><br /></p><p ><span >我们可能没有意识到，但就国家层面而言，养老问题已经迫在眉睫，</span><span >大家</span><span >得早做打</span><span >算了。</span></p><p ><span ><br /></span></p><section ><span >今天说的这些年金险，大家可以通过长按下方二维码<span >找到详细了解、在线投保</span>：</span></section><section ><br /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEcztskunFytwCia8wiaepDysSMfibGPhus2GWI24rk1bgP11ShL6CSf2ejAS4QfR8O8EpMDZzrjcx3aDDQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEcztskunFytwCia8wiaepDysSMfibGPhus2GWI24rk1bgP11ShL6CSf2ejAS4QfR8O8EpMDZzrjcx3aDDQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><br /></section><section ><span >或点击文末“</span><span style="color: rgb(33, 89, 103)"><strong >阅读原文</strong></span><span >”也可以。</span></section><section ><span style="color: gray"></span></section><section ><br /></section><section ><strong ><span style="color: rgba(0, 0, 0, 0.9); text-align: start">想具体了解的朋友加我助手微信</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 ><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 ><span ><strong style="color: rgb(0, 0, 0)"><span ><br /></span></strong></span></section><section ><span style="color: rgb(0, 0, 0)">相关阅读：</span></section><section ><br /></section><section ><br /></section><section ><strong ><span >其他投资理财险评测：</span></strong><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447794611&idx=1&sn=4168017b72106ab244e578002853a3f8&chksm=b2b046f185c7cfe7becb6774e49f13693ebecc70baff4d4993bb84ab6cfe9dd60fbc2b4b958d&scene=21#wechat_redirect" tab="innerlink" >中期收益最高的增额寿险上线，值不值得买？</a></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" ><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" >这个保险公司没听过，产品能买吗？理赔靠谱吗？</a></span></section><section ><span ><strong ><span >稳定的理财方式：</span></strong><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447792566&idx=1&sn=57e9a472c9159861954f8281d33b50c8&chksm=b2b07ef485c7f7e2b0ec1a7f36b837e430a7c0c8cc5ed51aa479215771ca1c412b0100bcd9a5&scene=21#wechat_redirect" tab="innerlink" hasload="1" >基金下跌，我们还有哪些稳定的理财方式？</a></span></span></section><section ><span ><strong >异地投保：</strong><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447789858&idx=1&sn=85dfdd45ba610270e8475d37193b0db8&chksm=b2b0686085c7e1761c061cfc6b0659e3c91994fa667dd3c643ef91ca5ced6db749901ee7352e&scene=21#wechat_redirect" tab="innerlink" hasload="1" >「异地投保」会影响保险理赔吗？</a></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>
