<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%2FO95eeDepqTPdlkHRvSZw3oUEZHiaAlQescnIwER3KiawHwDmgkEHyB9pMiavoIQ0IibztmTlC2qLttAzOvd0uz2vWw%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/O95eeDepqTPdlkHRvSZw3oUEZHiaAlQescnIwER3KiawHwDmgkEHyB9pMiavoIQ0IibztmTlC2qLttAzOvd0uz2vWw/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><section ><br /></section><section ><br /></section><section ><span style="color: rgb(33, 89, 103); text-align: start">一、</span><br /></section><section ><span ><br /></span></section><section ><span >今年的增额</span><span >终身寿相比过往，有好几项明显的“反向升级”。</span></section><section ><span ><br /></span></section><section ><span >除了把无限制减保升级成有限制减保，以及前期的收益增速，由快升级成慢。</span></section><section ><span ><br /></span></section><section ><span >还有一项就是把「<strong>加保</strong>」这个重要功能给升级没了。</span></section><section ><br /></section><section ><span ><em>详情可见：</em><span ><em><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247494576&idx=1&sn=6658f074f3c4440d9185a890f0fa571f&chksm=cfb60830f8c181267e0cc963801e03af3bd063ba340a1d27304599553323cd4191860f13207e&scene=21#wechat_redirect" textvalue="买新款增额寿，比买老款损失多少？" linktype="text" imgurl="" imgdata="null" tab="innerlink">买新款增额寿，比买老款损失多少？</a></span></em></span></span></section><section ><br /></section><section ><span >对增额终身寿来说，<span style="color: rgb(51, 51, 51); text-align: justify">减保就是从账户取钱，</span>加保就是向账户存钱、追加，都是与收益息息相关的功能。</span></section><section ><span ><br /></span></section><section ><span >我们常说增额寿就相当于在保险公司办了一张复利3.5%的银行卡，</span></section><section ><span ><br /></span></section><section ><span ><span style="color: rgb(51, 51, 51); text-align: justify">没了加</span><span style="color: rgb(51, 51, 51); text-align: justify">保</span><span style="color: rgb(51, 51, 51); text-align: justify">就导</span><span style="color: rgb(51, 51, 51); text-align: justify">致，</span>这张银行卡“只出不进”。<br /></span></section><section ><span ><br /></span></section><section ><strong><span >减保取钱可以，取出来就存不回去了。</span></strong><span ><br /></span></section><section ><span ><br /></span></section><section ><span >例如账户有100万，减保20万出来花，接下来就按80万的基数来复利增值了，每年收益会变少。</span></section><section ><br /></section><section ><span >那为啥减保可以通过每年最多减20%来限制，加保却直接取消呢？</span><span ></span></section><section ><span ><br /></span></section><section ><span ><br /></span></section><section ><span ><strong style="color: rgb(33, 89, 103)"><span style="color: rgb(33, 89, 103); text-align: start">二、</span></strong></span></section><section ><br /></section><section ><span style="color: rgb(51, 51, 51); text-align: justify">取消加保功能的原因主要有2个：</span></section><section ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section ><strong><span >一是年初官方通报的，部分增额终身寿加保设计存在变相突破定价利率风险。</span></strong><span style="color: rgb(51, 51, 51); text-align: justify"></span></section><section ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section ><span style="color: rgb(51, 51, 51); text-align: justify">当前增额终身寿的收益上限是年复利3.5%，</span></section><section ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section ><span style="color: rgb(51, 51, 51); text-align: justify">过往有些产品表面收益低于3.5%，实际却可以通过加保突破3.5%大限，引起了监管关注。</span></section><section ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section ><span style="color: rgb(51, 51, 51); text-align: justify">所以自从年初通报后，各家保险公司或迫于监管压力，或借坡下驴，新备案的增额终身寿都不再支持加保了。</span></section><section ><span style="color: rgb(51, 51, 51); text-align: justify"></span></section><section ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section ><span ><em>甚至有家保险公司，通报前刚出了几款支持加保的新品，某次更新后又悄悄把加保条款删了...</em></span><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section ><strong><span >第二个原因则是：前车之鉴。</span></strong><span style="color: rgb(51, 51, 51); text-align: justify"></span></section><section ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section ><span style="color: rgb(51, 51, 51); text-align: justify">可能部分朋友有所了解，平安掌舵人马明哲曾在某次会议上大吐苦水说90年代的冒进，让平安背负着800亿的利差损。</span></section><section ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section ><span style="color: rgb(51, 51, 51); text-align: justify">那场冒进就是千禧年前夕，国内人寿三巨头（国寿、平安、太保）所经历的“利差损毒丸”。<br /></span></section><section ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section ><span style="color: rgb(51, 51, 51); text-align: justify"><em style="color: rgb(51, 51, 51); text-align: justify">注：利差损就是给客户利率太高，保险公司自己投资都拿不到这么高，就要贴钱给客户产生亏损。</em></span></section><section ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section ><span style="color: rgb(51, 51, 51); text-align: justify">1996年开始，央行近十次降息，一年期存款利率从10.98%，断崖式降至1.98%！<br /></span></section><section ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section ><span style="color: rgb(51, 51, 51); text-align: justify">但尴尬的是，那时的保险公司并没有意识到这会带来什么后果，反而认为降息后，是高利率寿险产品的销售良机。<br /></span></section><section ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section ><span style="color: rgb(51, 51, 51); text-align: justify">事实证明，销售一时爽，售后火场，这场“狂欢”后，2003年高盛预计国寿、平安、太保潜在利差损约是320亿~760亿。</span></section><section ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section ><span style="color: rgb(51, 51, 51); text-align: justify">而这个数字仍被大大低估了。</span></section><section ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section ><span style="color: rgb(51, 51, 51); text-align: justify">找款当时的产品<strong>中国人寿-</strong><strong>99鸿福终身保险（96版）</strong>给大家感受下：</span></section><section ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FO95eeDepqTPdlkHRvSZw3oUEZHiaAlQesXqhJ91JrkQTsbXXwUjzEsmbKL6kck6FYSiaOJxDO8fia5tmfBtaY5DfA%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/O95eeDepqTPdlkHRvSZw3oUEZHiaAlQesXqhJ91JrkQTsbXXwUjzEsmbKL6kck6FYSiaOJxDO8fia5tmfBtaY5DfA/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><section ><span style="color: rgb(51, 51, 51); text-align: justify"></span></section><section ><br /></section><section ><span >投保后，每3年按10%保额给付生存金。<br /></span></section><section ><span ><br /></span></section><section ><span >以0岁男孩，10万保额为例，一次交清的保费是56288元。</span></section><section ><span ><br /></span></section><section ><span >此后每3年领取1万，这样看也一般，到现在也就领了7-8次而已。</span><br /></section><section ><span ><br /></span></section><section ><span >重点是另一个特别约定：</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%2FO95eeDepqTPdlkHRvSZw3oUEZHiaAlQesKHR6rrR7yOy0SHh1ib31D6a0fsTL4sib7TQy8vSm7D7BrbkmpoSLDgxA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTPdlkHRvSZw3oUEZHiaAlQesKHR6rrR7yOy0SHh1ib31D6a0fsTL4sib7TQy8vSm7D7BrbkmpoSLDgxA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><span ></span></section><section ><span ><br /></span></section><section ><span >好家伙，要是不领取生存金，可以按<strong>复利8%</strong>累积生息！</span></section><section ><span ><br /></span></section><section ><span >假设8次领的钱都在累积生息，25年过去，现在有22万，是本金5.6万的近4倍。<br /></span></section><section ><span ><br /></span></section><section ><span >要是继续累积生息25年，到孩子50岁，账户有176万，<strong>IRR高达7%以上，相当于这笔钱存银行，年利率60%</strong>！</span></section><section ><span ><br /></span></section><section ><span >而去年保险公司投资收益率多少？平均不到5%！</span></section><section ><span ><br /></span></section><section ><span >现在大家可以试想一下，<strong>如果你1996年买了国寿的99鸿福，要是支持加保，你现在加不加？</strong></span></section><section ><span ><br /></span></section><section ><span >前车之鉴在此，严控加保也是应有之理。</span><span ></span></section><section ><span ><br /></span></section><section ><span ><br /></span></section><section ><span style="color: rgb(33, 89, 103); text-align: start">三、</span></section><section ><span ><br /></span></section><section ><span >最后说几句。</span></section><section ><span ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></span></section><section ><span ><span style="color: rgb(51, 51, 51); text-align: justify">加保不像减保，很多人配置增额寿，基本考虑了用钱规划。</span></span></section><section ><span ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></span></section><section ><span ><span style="color: rgb(51, 51, 51); text-align: justify">有钱的，直接一次交清all in，想存更多，但是手边钱不够的，都会选择长期缴费（如10年/20年等）。<br /></span></span></section><section ><span ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></span></section><section ><span ><span style="color: rgb(51, 51, 51); text-align: justify">真正有加保需求的，基本是手头紧，又想上个车的。<br /></span></span></section><section ><span ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></span></section><section ><span ><span style="color: rgb(51, 51, 51); text-align: justify">这里只能建议买<strong>支持</strong><strong>停售后加保的老款增额寿</strong>。<br /></span></span></section><section ><span ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></span></section><section ><span ><span style="color: rgb(51, 51, 51); text-align: justify">今年新出的增额寿不用想，直接把加保砍了。<br /></span></span></section><section ><span ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></span></section><section ><span ><span style="color: rgb(51, 51, 51); text-align: justify">老款增额寿还有少数几款支持停售后加保的，像国联人寿的益利多2.0，信泰的如意尊系列等。<br /></span></span></section><section ><span ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></span></section><section ><span ><span style="color: rgb(51, 51, 51); text-align: justify">不过信泰加保是合并加保，一年最多20%，要是基数太小，意义也不大。</span></span></section><section ><span ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></span></section><section ><span ><span style="color: rgb(51, 51, 51); text-align: justify">在当下，国联的益利多可能是唯一解了。<br /></span></span></section><section ><span ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></span></section><section ><span style="color: rgb(51, 51, 51); text-align: justify"><em style="color: rgb(51, 51, 51); text-align: justify">益利多产品详情可见：</em></span><span style="color: rgb(51, 51, 51); text-align: justify"><em style="color: rgb(51, 51, 51); text-align: justify"><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247494327&idx=1&sn=fd7d352a2ce055a7cd8fcb207eb87543&chksm=cfb60937f8c18021f7fd6d0794aad5f1472c004dc1bb4aeb739b7aaf1fcf5fdcb40e75c210c4&scene=21#wechat_redirect" textvalue="国联「益利多2.0」，10年/20年缴费收益第一！" linktype="text" imgurl="" imgdata="null" tab="innerlink">国联「益利多2.0」，10年/20年缴费收益第一！</a></em></span></section><section ><span ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></span></section><section ><span ><span style="color: rgb(51, 51, 51); text-align: justify">当然，几乎所有的增额终身寿，<strong>加保都要经过保险公司同意</strong>。</span></span></section><section ><span ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></span></section><section ><span ><span style="color: rgb(51, 51, 51); text-align: justify">就这点来说，现在买了支持加保的产品，有加保打算，最好也要在3-5年内加保完成。</span></span></section><section ><span ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></span></section><section ><span ><span style="color: rgb(51, 51, 51); text-align: justify">否则哪怕写进条款，届时保险公司都可以直接拒绝加保的。</span></span></section><section ><span ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></span></section><section ><span ><span style="color: rgb(51, 51, 51); text-align: justify">毕竟利率继续降下去，现在的保险公司可不想吃颗<span style="color: rgb(51, 51, 51); text-align: justify">“</span><span style="color: rgb(51, 51, 51); text-align: justify">利差损毒丸”</span></span></span><span >。</span></section><section ><br /></section><section style="color: rgb(34, 34, 34); text-align: justify"><em><strong><span ><span style="text-align: start">有问题，可以</span><span >长按扫描下方二维码进入</span><span style="color: rgb(33, 89, 103)">【懂保爷】公众号</span><span >，关注后点击“免费咨询”菜单找我团队专业规划老师帮忙。</span></span></strong></em><strong style="color: rgb(0, 0, 0)"></strong></section><section style="color: rgb(34, 34, 34); text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FO95eeDepqTMPo1WFgwic4R9CzHFtIUiczrkNRONibBIRfJGTrvFFVv9TLx4VFbhuaMT0QD4kklibcE2tribo0a0dDAw%2F640%3Fwx_fmt%3Dgif%26wxfrom%3D5%26wx_lazy%3D1" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/O95eeDepqTMPo1WFgwic4R9CzHFtIUiczrkNRONibBIRfJGTrvFFVv9TLx4VFbhuaMT0QD4kklibcE2tribo0a0dDAw/640?wx_fmt=gif&wxfrom=5&wx_lazy=1" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgb(34, 34, 34); text-align: justify"><br style="color: rgb(34, 34, 34)" /></section><p style="color: rgb(34, 34, 34); text-align: justify"><span style="color: rgb(0, 0, 0)">相关阅读：</span></p><section ><br /></section><section ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247493287&idx=1&sn=c67de5048364c763c64d745c8554dcf0&chksm=cfb60527f8c18c3174405593f6d532cb8f83f81e138e62eb17fdfc577bfbda31b5d6fac3c7be&scene=21#wechat_redirect" textvalue="关于增额终身寿，我把这些实话一次全告诉你" linktype="text" imgurl="" imgdata="null" tab="innerlink" ><span >关于增额终身寿，我把这些实话一次全告诉你</span></a></section><section ><br /></section><section style="text-align: center"><span ><span >— </span><strong >END </strong><span >—</span></span></section><section ></mp-common-profile></section><section style="color: rgb(34, 34, 34); text-align: left"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FAa1Vn4VNXulDSG3kLWEFl66JYfFHuibDsZwPP3g5romOwOBrEvLdFjc8VUrEoXpQflzzTumnt8dW6vKFReAyKnA%2F640%3Fwx_fmt%3Dgif%26wxfrom%3D5%26wx_lazy%3D1" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/Aa1Vn4VNXulDSG3kLWEFl66JYfFHuibDsZwPP3g5romOwOBrEvLdFjc8VUrEoXpQflzzTumnt8dW6vKFReAyKnA/640?wx_fmt=gif&wxfrom=5&wx_lazy=1" alt="懂保爷测评配图" loading="lazy" /><span > <span style="color: rgb(136, 136, 136)">点击阅读原文，</span></span><span style="color: rgb(136, 136, 136)">查看</span><span style="color: rgb(33, 89, 103)">懂保爷严选【理财、养老、保障】产品汇总</span></section><section style="color: rgb(34, 34, 34); text-align: left"><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>
