<p 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%2FO95eeDepqTNANkrfib5ZQ2E77pPK6icYQZpnn3aaQNgibesziaWLpUWJwwFDsTkTgh8ewrdvsk1iakcwJ8tBiabh6alA%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/O95eeDepqTNANkrfib5ZQ2E77pPK6icYQZpnn3aaQNgibesziaWLpUWJwwFDsTkTgh8ewrdvsk1iakcwJ8tBiabh6alA/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></span></a></p><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><section ><br /></section><p ><span >先跟大家同步个消息，月底有3款预定利率<strong>4.025%</strong>的年金险停售：</span></p><p ><strong><span ><br /></span></strong></p><p ><span style="color: rgb(33, 89, 103)">福瑞一生、瑞利、金彩一生</span><span style="color: rgb(33, 89, 103)">（终身版）</span><span >。</span></p><p ><br /></p><section ><span style="color: rgb(136, 136, 136)">注：瑞利9月28日停售，另2款是9月30日停售。</span><br /></section><section ><br /></section><section ><span >其中金彩一生没啥“出彩”之处就不多说了，</span></section><section ><span ><br /></span></section><section ><span >今天主要带大家分析<strong>福瑞一生、瑞利</strong>这两款优质年金险。</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</strong></span></section></section></section></section></section></span></section><p ><br /></p><section ><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247491024&idx=1&sn=04d47e9b96f4dd8a1a3a22cb027c1da4&chksm=cfb5fe50f8c277469205fd2df64d40b13fc493d9ebec203c0d72f611a44a8e7116ad5f0e2689&scene=21#wechat_redirect" textvalue="福瑞一生" tab="innerlink">福瑞一生</a>此前评测过，总结下优点就是：</span></section><section ><span ><br /></span></section><section ><span ><strong>超高的年金领取 + 保证领取20年</strong></span></section><section ><br /></section><section ><span >我们买养老年金险主要看啥？</span></section><section ><span ><br /></span></section><section ><span >不就看</span><span style="color: rgb(33, 89, 103)">年金领取金额</span><span >和</span><span style="color: rgb(33, 89, 103)">有无保证领取</span><span >嘛。</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(136, 136, 136)">其他因素并不重要，例如有人鼓吹年金险重点看现金价值，这不瞎嘛。</span></section><section ><span style="color: rgb(136, 136, 136)"><br /></span></section><section ><span style="color: rgb(136, 136, 136)">年金险又不像增额寿险，<strong>99%的养老年金险在领取年金后身故保险金就没了</strong>（不算保证领取部分）。</span></section><section ><span style="color: rgb(136, 136, 136)"><br /></span></section><section ><span style="color: rgb(136, 136, 136)">假设我们花50万买了一款年金险，60岁开始领取，</span></section><section ><span style="color: rgb(136, 136, 136)"><br /></span></section><section ><span style="color: rgb(136, 136, 136)">结果65岁出车祸或得了心梗、中风突然去世，要是身故之前没有操作办理退保，身故后按照条款是不赔付现金价值的！</span></section><section ><span style="color: rgb(136, 136, 136)"><br /></span></section><section ><span style="color: rgb(136, 136, 136)">通常只能赔付已交保费-已领取年金，那顶多拿回50万保费，其他收益一概没有！</span></section><section ><br /></section><section ><span style="color: rgb(136, 136, 136)">在年金险投保优先级上，<strong>年金领取金额</strong>和<strong>保证领取期限</strong>一定是高于现金价值的！</span></section><section ><span ><br /></span></section><section ><strong><span >因此，把这两项都做到“极致”的福瑞一生也就成了我们买养老年金险的不二选择。</span></strong></section><section ><span ><br /></span></section><p ><span >以30岁男性投保福瑞一生，每年投10万，交5年，60岁领取为例：</span></p><p ><br /></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 style="text-align: center"><span style="color: rgb(136, 136, 136)">为方便计算保额，保费设为100120元/年</span></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 ><br /></section><ul ><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 >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 >来看，</span></section><section ><span ><br /></span></section><section ><span ><span >领取20年养老金后，IRR就能达到3.42%，领取30年后IRR高达</span><strong >4.19%</strong><span >！</span></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 ><br /></section><section ><span >更何况福瑞一生还有20年保证领取，</span></section><section ><span ><br /></span></section><section ><span >即便在60-80岁间突然身故，保险公司能保证你家人拿到<strong>84000*20=168万！</strong><br /></span></section><section ><br /></section><section ><span style="color: rgb(136, 136, 136)">要是选了其他不能保证领取的产品，如乐养多或养多多（B款），突然身故最多只能拿到投入保费50万，超亏！</span></section><section ><span ><br /></span></section><section ><span >不过福瑞一生也有缺点：<strong>投保门槛太高</strong>，</span></section><section ><br /></section><section ><span >它的缴费期最长只有5年，而且<strong>最少5万保额</strong>起投。</span></section><section ><br /></section><section ><span style="color: rgb(136, 136, 136)">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></section><section ><br /></section><section ><span >如果手边没点积蓄</span><span >，一般人还真买不了，只能去买其他低门槛的年金险了</span><span style="color: rgb(136, 136, 136)">（百岁人生福享版、<span style="color: rgb(136, 136, 136)">光明慧选</span>等）</span><span >。</span></section><section ><span ><br /></span></section><section ><strong><span >要是手头宽裕，那福瑞一生绝对是目前最值得买的养老年金险！</span></strong><span ><br /></span></section><section ><span ><br /></span></section><section ><span >鉴于福瑞一生9月30日就要下架，大家千万别错过了。</span></section><section ><span ><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_jpg%2FO95eeDepqTNeaZaw5Zt3wbkB6hoI6KGpAR60ETYkJbGeW1WSl9CMIn9leDO6teSEhnBeS0dicXSmAnIOQmUXShQ%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/O95eeDepqTNeaZaw5Zt3wbkB6hoI6KGpAR60ETYkJbGeW1WSl9CMIn9leDO6teSEhnBeS0dicXSmAnIOQmUXShQ/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></p><section style="text-align: center"><span style="color: rgb(136, 136, 136)">长按识别上方二维码，投保福瑞一生</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、<strong style="color: rgb(33, 89, 103); text-align: center">瑞利</strong></strong></span></section></section></section></section></section></span></section><section ><br /></section><section ><span >这款和一般养老年金险不一样，瑞利属于<strong>快返型年金</strong>。</span></section><section ><span ><br /></span></section><section ><span >我们前面说的<strong>福瑞一生等</strong>主流养老金现在投保，最早都是<strong>55岁</strong>才能开始领取年金。<br /></span></section><section ><span ><br /></span></section><section ><span ><strong>瑞利投保后第5年就能领年金了</strong>，且80岁被保人生存还能领取一笔祝寿金</span><span style="color: rgb(136, 136, 136)">（已交保费）</span><span >，比较适合想早点拿钱的朋友。<br /></span></section><section ><span ><br /></span></section><section ><span style="color: rgb(136, 136, 136)">例如30岁投保，福瑞一生得等60岁开始领取，瑞利35岁就开始领了，早拿25年。</span></section><section ><span ><br /></span></section><section ><span >当然，有利有弊。<br /></span></section><section ><span ><br /></span></section><section ><span ><strong>瑞利的“弊端”就是领得少。</strong><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%2FO95eeDepqTNeaZaw5Zt3wbkB6hoI6KGpVFnXestOdgXpWdwPSzOGiaN48o9rjqd6wxX3HQx3gHPvyViaXFldHR3A%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTNeaZaw5Zt3wbkB6hoI6KGpVFnXestOdgXpWdwPSzOGiaN48o9rjqd6wxX3HQx3gHPvyViaXFldHR3A/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section ><br /></section><section ><span >同等投入，福瑞一生60岁起每年能领84000元/年，瑞利只能领取15540元/年。<br /></span></section><section ><br /></section><section ><span >因此，除了<strong>想早拿钱用钱、有明确计划的朋友</strong>，其他人不推荐买瑞利。</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(136, 136, 136)">虽然早领了，可每年领得又不多，用来养老这点钱不现实。</span></section><section ><span style="color: rgb(136, 136, 136)"><br /></span></section><section ><span style="color: rgb(136, 136, 136)">何况拿回来的钱要是没想好怎么用，<span style="color: rgb(136, 136, 136)">最后只能</span>当零花钱或者存银行，那真不如买福瑞一生那种，60岁开领，用途明确，钱也多。<br /></span></section><section ><span ><br /></span></section><section ><span >对了，这款是9月28日下架，建议有需求的朋友别错过，至于吃瓜群众就散了吧。<br /></span></section><section ><br /></section><section ><span style="color: rgb(33, 89, 103)">「瑞利」年金险投保入口：</span></section><section ><br /></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTNeaZaw5Zt3wbkB6hoI6KGpU0UYy347O6Gka9Ak2icKXzcS2pT6Omoyl6xIlcibVQrkjETNEz9euCtA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTNeaZaw5Zt3wbkB6hoI6KGpU0UYy347O6Gka9Ak2icKXzcS2pT6Omoyl6xIlcibVQrkjETNEz9euCtA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section style="text-align: center"><span style="color: rgb(136, 136, 136)">长按识别上方二维码，投保瑞利</span></section><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 ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247491024&idx=1&sn=04d47e9b96f4dd8a1a3a22cb027c1da4&chksm=cfb5fe50f8c277469205fd2df64d40b13fc493d9ebec203c0d72f611a44a8e7116ad5f0e2689&scene=21#wechat_redirect" tab="innerlink" ><span >目前最牛x的年金险：福瑞一生</span></a><br /></section><section ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247491282&idx=1&sn=914ea319e17ce77d599060b8e37095ba&chksm=cfb5fd52f8c27444baaedac1d4dd6490f818056c518b0159b6dbefa440e0eabcb28d715be388&scene=21#wechat_redirect" tab="innerlink" ><span >很认真地聊一下养老保险</span></a><br /></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><p 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" /></p><section style="text-align: left"><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>
