<section ></section><section ><section ></section></section><section ><section ></section></section><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEczsQg5K4oKXJuqPXkHBASagdr02UvYqfNGIU8YibzGf8EX3yTpaoy4xLPXgbvzz2sBHcpDmkvZwDIwA%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEczsQg5K4oKXJuqPXkHBASagdr02UvYqfNGIU8YibzGf8EX3yTpaoy4xLPXgbvzz2sBHcpDmkvZwDIwA/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><p style="text-align: left"><br /></p><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEcztMqGSjWCUvLyicD1v5k9icSFFX0zPZAibTDaa5c5CUNTMzicIcdUKj5yAFRooWxAn4HHxdx5QmsRsekw%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEcztMqGSjWCUvLyicD1v5k9icSFFX0zPZAibTDaa5c5CUNTMzicIcdUKj5yAFRooWxAn4HHxdx5QmsRsekw/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><p><br /></p><section ><span >保爷上次写定期寿险的评测文章是3个月前了：</span><a href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447786449&idx=1&sn=7c5f6e82a1f27b4f8e10bd291b247367&chksm=b2b0669385c7ef8542e48f69784fbda333d40a89b8132a1feefb0803c7009db90c2cd6cc83e2&scene=21#wechat_redirect" target="_blank"><span >「大麦甜蜜家」一款很有特色的定期寿险</span></a></section><section ><br /></section><section ><span >为啥这么久一直不更新呢？</span><span >难道没有新的产品上线吗？</span><br /></section><section ><br /></section><section ><span style="color: rgb(136, 136, 136)">不是的，期间也有一些新产品上线。</span></section><section ><span style="color: rgb(136, 136, 136)"><br /></span></section><section ><span style="color: rgb(136, 136, 136)">但定期寿险的价格几乎已经触底了，并且定期寿险的保障很简单，就是保身故和全残，不像重疾险可以弄出很多新花样来，所以新出的产品如果没有特别大的竞争优势，保爷也就没有评测了。</span><br /></section><section ><br /></section><section ><span >不过，最近新出的2款定期寿险：</span><span >阳光人寿“<strong>麦满分</strong>”和中荷人寿“<strong>简爱</strong>”让保爷眼前一亮：</span><span >“定期寿险性价比之王”要换主人了。</span></section><section ><br /></section><section ><span >今天保爷就带大家来仔细评测下这2款新品。</span></section><section ><br /></section><section ><span style="color: rgb(53, 53, 53); text-align: left"><strong >评测前，先讲下哪几个点决定一款定期寿险是否优秀：</strong><strong ></strong><strong ></strong></span></section><p ><br /></p><section ><span ><span style="color: rgb(53, 53, 53); text-align: left">1、</span><span style="text-align: left; color: rgb(33, 89, 103)">免责条款</span><span style="color: rgb(53, 53, 53); text-align: left">：</span></span><span style="color: rgb(53, 53, 53); text-align: left"></span><span style="color: rgb(53, 53, 53); text-align: left">即哪些情况保险公司是不赔的（免责条款越少越好）；</span></section><p ><br /></p><section ><span ><span style="color: rgb(53, 53, 53); text-align: left">2、</span><span style="text-align: left; color: rgb(33, 89, 103)">健康告知</span><span style="color: rgb(53, 53, 53); text-align: left">：</span></span><span style="color: rgb(53, 53, 53); text-align: left"></span><span style="color: rgb(53, 53, 53); text-align: left">即哪些情况是不可以投保的（健康告知越宽松越好）；</span></section><p ><br /></p><section ><span ><span style="color: rgb(53, 53, 53); text-align: left">3、</span><span style="text-align: left; color: rgb(33, 89, 103)">保费</span><span style="color: rgb(53, 53, 53); text-align: left">：</span></span><span style="color: rgb(53, 53, 53); text-align: left"></span><span style="color: rgb(53, 53, 53); text-align: left">保障相当时选择保费更低的，保费相当时选择保障更高的。</span></section><section ><br /></section><section ><span ><strong><span >再回顾下这2款新品上线之前定期寿险的评测结论：</span></strong><strong><span ></span></strong></span></section><p style="text-align: left"><br /></p><ul ><li><p><span style="color: rgb(136, 136, 136)">夫妻一起投保的话，第一推荐是<strong>大麦甜蜜家</strong>；<br /></span></p><p><br /></p></li><li><p><span style="color: rgb(136, 136, 136)">单人投保的话，<strong >擎天柱3号</strong><span style="color: rgb(136, 136, 136)">综合性价比最高，</span>保费最便宜；<strong ><span style="color: rgb(136, 136, 136)">大麦</span></strong><span style="color: rgb(136, 136, 136)">、<strong >爱相随</strong>也非常优秀，</span><span style="color: rgb(136, 136, 136)">身体健康有异常无法投保前面3款的朋友，可尝试投保<strong >瑞和升级版</strong>（不限职业、健康告知最宽松）。</span></span><span style="color: rgb(136, 136, 136)"></span></p></li></ul><section ><section ></section><section ></section><section ></section></section><section ><br /></section><section ><span >下面我们加入新品<strong>麦满分</strong>和<strong>简爱</strong>，看评测对比表：</span><br /></section><section ><br /></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczuQ1NibCyYq69mspO03FvFSjzvLhibVI5w36quhiafb6gaLp2lLuGrBiaX1HPicZxeP7Z41E6rDMem3nVg%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczuQ1NibCyYq69mspO03FvFSjzvLhibVI5w36quhiafb6gaLp2lLuGrBiaX1HPicZxeP7Z41E6rDMem3nVg/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section ><span style="color: rgb(53, 53, 53); text-align: left"><strong ></strong><br /></span></section><section ><span ><span style="color: rgb(53, 53, 53); text-align: left">直接说结论</span><span style="color: rgb(53, 53, 53); text-align: left">：</span></span><br /></section><section ><span style="color: rgb(53, 53, 53); text-align: left"></span></section><section style="text-align: left"><span ><span style="color: rgb(33, 89, 103)">从保费价格上看</span><span style="color: rgb(53, 53, 53)">：新品麦满分和简爱比之前的底价擎天柱3号还要便宜一点，阳光人寿麦满分的价格是最低的，夫妻两人一起的话，还是大麦甜蜜家的价格最有优势；</span></span></section><p style="text-align: left"><br /></p><section style="text-align: left"><span ><span style="color: rgb(33, 89, 103)">从免责条款上看</span><span style="color: rgb(53, 53, 53)">：依旧是大麦甜蜜家、大麦和瑞和最优秀，仅有3条，其他几款是4条，多了一条，区别不大；</span></span></section><p style="text-align: left"><br /></p><section style="text-align: left"><span style="color: rgb(136, 136, 136)"><span style="color: rgb(136, 136, 136)">7款中免责条款相对劣势的是爱相随，<span style="color: rgb(136, 136, 136)">多了一条关于开</span></span><span style="color: rgb(136, 136, 136)">车的免责：</span></span><span style="color: rgb(136, 136, 136)">酒驾、无证驾驶、驾驶<span style="color: rgb(136, 136, 136); text-align: left">无</span><span style="color: rgb(136, 136, 136); text-align: left">效</span><span style="color: rgb(136, 136, 136); text-align: left">行驶证</span>车辆，开车的朋友可能比较在意；</span></section><p style="text-align: left"><br /></p><section style="text-align: left"><span ><span style="color: rgb(33, 89, 103)">从健康告知上看</span><span style="color: rgb(53, 53, 53)">：依旧是瑞和升级版最宽松，乙肝、肺结节都符合可直接投保，麦满分和擎天柱3号的优选版的健康告知相对比较严格。</span></span></section><section style="text-align: left"><span style="color: rgb(53, 53, 53)"><br /></span></section><section style="text-align: left"><span style="color: rgb(53, 53, 53)"><span style="text-align: left; color: rgb(33, 89, 103)">从特色保障上看</span><span style="text-align: left; color: rgb(53, 53, 53)">：</span></span><span style="text-align: left; color: rgb(53, 53, 53)">除了大麦和瑞和升级版，其他几款都有一些特色保障，麦满分的特色保障最多，不过保爷觉得特色保障的意义都不是很大，后面会细讲。</span></section><section style="text-align: left"><span style="text-align: left; color: rgb(53, 53, 53)"><br /></span></section><section style="text-align: left"><span style="text-align: left; color: rgb(136, 136, 136)">本文开头保爷有说过，定期寿险的保障很简单，就是保障身故或全残，各家保险公司想玩花样很受限制。现在看来，新品都通过各种特色保障来给产品增加竞争力。</span></section><p style="text-align: left"><br /></p><section style="text-align: left"><span ><strong ><span style="color: rgb(53, 53, 53)">综合来看，目前第一推荐有更新，如下：</span></strong><strong ><span style="color: rgb(53, 53, 53)"></span></strong></span></section><section style="text-align: left"><span ><strong ><span style="color: rgb(53, 53, 53)"><br /></span></strong></span></section><ul ><li><p><span style="color: rgb(33, 89, 103)">夫妻一起投保的话，第一推荐依旧是<strong>大麦甜蜜家</strong>，<span >这款产品必须是夫妻共同投保，且夫妻二人保额相同，所以保爷建议双经济支柱、且收入贡献相当的家庭投保这款</span>；</span></p><p><br /></p></li><li><p><span style="color: rgb(33, 89, 103)">单人投保的话，第一推荐变成了<strong>麦满分</strong>，如果不符合麦满分的健康告知，就投保相对宽松点的<strong>简爱</strong>，简爱也不符合的话<span style="color: rgb(33, 89, 103)">，可尝</span><span style="color: rgb(33, 89, 103)">试投保<strong >瑞和升级版</strong>。</span></span><span style="color: rgb(136, 136, 136)"></span></p></li></ul><section style="text-align: left"><span ><strong ><span style="color: rgb(53, 53, 53)"></span></strong><br /></span></section><section ><span >接下来，保爷针对<strong>麦满分</strong>的特色保障简单讲一下：</span></section><section ><span ><br /></span></section><section ><span >1、<strong>大公司出品</strong>：</span><span >阳光</span><span >人</span><span >寿</span><span >是</span><span >由</span><span >中</span><span >国</span><span >5</span><span >0</span><span >0</span><span >强</span><span >的</span><span >阳</span><span >光保</span><span >险</span><span >集</span><span >团</span><span >控股</span><span >的</span><span >，</span><span >成</span><span >立</span><span >于</span><span >2</span><span >0</span><span >0</span><span >7</span><span >年</span><span >，分支机构遍布全国，</span><span >服务</span><span >网</span><span >络</span><span >基本</span><span >实</span><span >现</span><span >了</span><span >全国</span><span >覆</span><span >盖</span><span >，</span><span >注</span><span >册</span><span >资本</span><span >1</span><span >8</span><span >3.</span><span >425</span><span >亿</span><span >，综合</span><span >偿付</span><span >能力</span><span >充足</span><span >；</span></section><section ><span ><br /></span></section><section ><span >2、<strong>等待期最短</strong>：仅60天，其他都是90天或者180天；<br /></span></section><section ><span ><br /></span></section><section ><span >3、<strong>保额增加权利</strong>：结婚、生孩子、购房可申请增加保额，是按照投保时的年龄计算保费的，但需要补交这部分增加保额的对应保费，这个适合后悔保额买低了的朋友们；<br /></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%2FaqibLpHUEczuQ1NibCyYq69mspO03FvFSjaQaUq0P8amPE4ia4Tm4EpKLt5awVlsWP4qCUOc2oAroH6jH9wbjJQ9A%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczuQ1NibCyYq69mspO03FvFSjaQaUq0P8amPE4ia4Tm4EpKLt5awVlsWP4qCUOc2oAroH6jH9wbjJQ9A/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section ><span ></span><br /></section><section ><span >4、<strong>年金转换权</strong>：55岁之后可用现金价值购买指定年金保险，不过定期寿险的现金价值很低，这点不用太关注，意义不大；</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%2FaqibLpHUEczuQ1NibCyYq69mspO03FvFSjvfZxYbAXAhJOnscfhEQIe23bVRibKf8rGQ2vrsedJdP5wiaicNNu6eibFg%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczuQ1NibCyYq69mspO03FvFSjvfZxYbAXAhJOnscfhEQIe23bVRibKf8rGQ2vrsedJdP5wiaicNNu6eibFg/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section ><span ></span><br /></section><section ><span >5、<strong>保障延长权</strong>：51岁之前可解除合同重新投保新的定期寿险或者终身寿险，新投的保障期限要更长，但是保额不能超过之前的，并且保费价格是以之后的年龄计算的，意义也不大；</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%2FaqibLpHUEczuQ1NibCyYq69mspO03FvFSjQr1jpBFDA57KbsDicUgJMT9w0iaibVzUYlqdickgk14haETVRo3GzXiaWFg%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczuQ1NibCyYq69mspO03FvFSjQr1jpBFDA57KbsDicUgJMT9w0iaibVzUYlqdickgk14haETVRo3GzXiaWFg/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section ><span ></span><br /></section><section ><span ><span >6、<strong>保障期限可至99岁</strong>：</span><span >相当于终身寿险了，有些朋友不喜欢消费型的，预算充足的可考虑这样配置，但是特别贵，保爷不建议；</span></span></section><section ><span ><br /></span></section><section ><span >7、<strong>支持附加轻症重症豁免</strong>：附加豁免后也有点贵，附加的必要性不是很大，有预算的可以附加上。</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%2FaqibLpHUEczuQ1NibCyYq69mspO03FvFSjAxofBjYCV4wEmQmzzXRuDGburutzIMYPkdZXib0p1lsjoEsZuhb76bA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczuQ1NibCyYq69mspO03FvFSjAxofBjYCV4wEmQmzzXRuDGburutzIMYPkdZXib0p1lsjoEsZuhb76bA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section ><span ></span></section><section style="text-align: left"><br /></section><section ><span ><strong style="text-align: left">最后</strong></span></section><section ><span ><br /></span></section><section ><span style="text-align: left; color: rgb(0, 0, 0)">麦满分、简爱、大麦甜蜜家以及其他4款产品的投保链接，保爷已经帮大家搜集汇总好了，通过懂保爷公众号“精选保险”菜单</span><span style="text-align: left; color: rgb(136, 136, 136)">（或者点击本文末的阅读原文）</span><span style="text-align: left; color: rgb(0, 0, 0)">即可找到查看详情、在线投保。</span></section><p style="text-align: left"><br /></p><section ><span style="text-align: left">投保如果遇到问题可添加保爷微信：dongbaoye999免费贴心咨询。</span></section><p ><br /></p><section ><span ><strong ><span style="color: rgb(53, 53, 53); text-align: left">定期寿险是保爷最喜欢的一类保险</span></strong><span style="color: rgb(53, 53, 53); text-align: left">，通过很少的保费获得几十万上百万的高保障，是家庭经济支柱首先必备的保险，保爷自己就已经投保了2份了，目前总共保额160万，后期还会继续加保。</span></span><span style="color: rgb(53, 53, 53); text-align: left"></span></section><p ><br /></p><section ><span ><span style="color: rgb(136, 136, 136)">定期寿险的推荐保额=房贷+车贷+其它贷款+子女教育费用+父母赡养费用-家庭存款。</span><strong ><span style="color: rgb(136, 136, 136)"></span></strong><strong ><span style="color: rgb(136, 136, 136)"></span></strong></span></section><p ><br /></p><section ><span style="color: rgb(0, 0, 0)">配置寿险的人内心都是满满的爱！</span><span style="color: rgb(0, 0, 0)"></span></section><p ><br /></p><section ><span style="color: rgb(0, 0, 0)">相关阅读：</span></section><p><a href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447786449&idx=1&sn=7c5f6e82a1f27b4f8e10bd291b247367&chksm=b2b0669385c7ef8542e48f69784fbda333d40a89b8132a1feefb0803c7009db90c2cd6cc83e2&scene=21#wechat_redirect" target="_blank" ><span >「大麦甜蜜家」一款很有特色的定期寿险</span></a></p><p><br /></p><section style="text-align: center"><span ><span >— </span><strong >END </strong><span >—</span></span></section><section style="text-align: center"><span style="color: rgb(33, 89, 103)"><strong >愿你家的保单永不出险！</strong></span></section><p style="text-align: center"><br /></p><section style="text-align: center"><span style="color: rgb(136, 136, 136)">【<span >若本文对你有帮助，别忘了分享给你的朋友</span>】</span></section><p style="text-align: center"><br /></p><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEcztdXE06nsChHb2dUxGQZQo6kTVEiclTvduCiage7u1WibxjEz4Pv5HictILoTk3MTOk5GXoM9FqTxiaC5g%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEcztdXE06nsChHb2dUxGQZQo6kTVEiclTvduCiage7u1WibxjEz4Pv5HictILoTk3MTOk5GXoM9FqTxiaC5g/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><p style="text-align: center"><br /></p><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)">保爷精选保险</span></span></section><section label="Powered by 135editor.com" ><p ><br /></p><section style="text-align: right"><section ><p style="text-align: center; color: rgb(63, 62, 63)">如果对你有帮助，帮我点下<strong >在看</strong>吧</p></section></section></section>
