新年金「星享福2025」上线，这玩法太超前了！

<section style="text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvRMRQ8Ot4BB9nrCw1EicbYY3lJMPC5n8NEwOm04yG4OtkRLNkOJZSCeey71IM1UpXswicff1otoiaAJg%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvRMRQ8Ot4BB9nrCw1EicbYY3lJMPC5n8NEwOm04yG4OtkRLNkOJZSCeey71IM1UpXswicff1otoiaAJg/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: justify"><span >近期爆款频出的复保，又上线了一款极具特色的养老年金险。</span></section><section style="text-align: justify"><strong><span >星享福</span></strong><span >，也叫星享福2025；</span></section><section style="text-align: justify"><span >首次给固收年金险带来了“交清增额”的玩法，</span></section><section style="text-align: justify"><span >不仅提升了产品利益，更是将领取年龄选择权完全交给了投保人。</span></section><section style="text-align: justify"><span >实际效果如何，我们</span><span >一起来看</span><span >。</span></section><section style="text-align: justify"><span style="color: rgb(33, 89, 103)"><strong><span >一、</span></strong></span></section><section style="text-align: justify"><span >星享福2025产品详情如下，<br /></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvQb9bHjJJRfMl2ORhrBcqDT1k6cVPS1Q515v5xUcicJDicJD5ibMXLKAKWdLD6Mrzx15eCXfjeyGIf9w%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvQb9bHjJJRfMl2ORhrBcqDT1k6cVPS1Q515v5xUcicJDicJD5ibMXLKAKWdLD6Mrzx15eCXfjeyGIf9w/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: justify"><span >首先是产品保障计划，有2个，区别在于领取后或55岁后的身故赔付：</span></section><section style="text-align: justify"><span style="color: rgb(33, 89, 103)">计划一，没有保证领取，身故无赔付；</span></section><section style="text-align: justify"><span style="color: rgb(33, 89, 103)">计划二，保底返还保费。<br /></span></section><section style="text-align: justify"><span >当然，因为计划一降了身故杠杆，养老金领取会比计划二高一点。</span></section><section style="text-align: justify"><span >还有</span><span >就是领取时间了。</span></section><p ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvRqID3HeAECtRiaNgiaEV4d283FiaX4Mb9OLoYZFOxxqtIcZNokYIuBibahuPiatiay8H4q6pJefj0jibACA%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvRqID3HeAECtRiaNgiaEV4d283FiaX4Mb9OLoYZFOxxqtIcZNokYIuBibahuPiatiay8H4q6pJefj0jibACA/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></p><section ><span >星享福新增了</span><span >10年且交清后领取(注意15/20年交要等缴费期满领取)，</span></section><section ><span >再加上40岁领取的选项，使得星享福能比市面大多数养老金<span >领取都可以</span>更早。</span></section><section style="text-align: justify"><span ><span >最后是</span>星享福的核心卖点——<strong>交清增额</strong>。</span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvQb9bHjJJRfMl2ORhrBcqDTf9BXGmJWicicKLt9uwKceh1WgHj93QWGA1wJ5D7OibMZ51ZvvtK8EAVLw%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvQb9bHjJJRfMl2ORhrBcqDTf9BXGmJWicicKLt9uwKceh1WgHj93QWGA1wJ5D7OibMZ51ZvvtK8EAVLw/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: justify"><span >简单</span><span >理解就是：</span></section><section style="text-align: justify">在我们<span >领取养老金后，养老金先不拿，把每年的养老金作为新保费去给保单加保，直到我们交清增额的年限结束为止。</span></section><section style="text-align: justify"><span style="color: rgb(136, 136, 136)"><em><span >举个例子，我们投保时，约定55岁开始领年金，要是55岁-59岁年金不领，作为保费去交清增额，实际就是从60岁开始领取。</span></em></span></section><section style="text-align: justify"><span >规则上，交清增额开始年龄最早为合同约定的年金领取时间，结束年龄最晚为75岁；交清增额后领取仅支持年领，不支持月领。</span></section><section style="text-align: justify"><span >可能有朋友会疑惑，</span></section><section style="text-align: justify"><span ><strong>交清增额有啥好处啊？值得我们去这么折腾。</strong><br /></span></section><section style="text-align: justify"><span >咱们直接来演示一下星享福基础方案(60岁领)、交清增额方案<span >(55岁领，但交清增额至60岁，实际还是60岁领)</span>的区别：</span></section><p style="text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvQb9bHjJJRfMl2ORhrBcqDTibic8yp3IAaicIw4rnmib09LX7eLG0C1sVKlW9fMdJK8mpfLyjTPF90Gfw%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvQb9bHjJJRfMl2ORhrBcqDTibic8yp3IAaicIw4rnmib09LX7eLG0C1sVKlW9fMdJK8mpfLyjTPF90Gfw/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></p><section style="text-align: justify"><span >结论很明显：</span></section><section style="text-align: justify"><span ><span >以计划一为例，未使用交清增额时</span><span >每年领取</span><span >37289元，使用后增长至</span><span >37858元，</span><span >提升</span><span >约600元，且退保金也一并提升</span><span >。</span></span></section><section style="text-align: justify"><span >对我们来说无论基础方案还是交清增额都是60岁开始领钱，</span></section><section style="text-align: justify"><span >但选择交清增额方案时，无论养老金、退保金、身故金都要大幅超过基础方案。</span></section><section style="text-align: justify"><span >可以说，交清增额后才是保险公司想最终呈现的产品。</span></section><section style="text-align: justify"><span >只是这样去备案，大概率因为产品利益过高通过不了，</span></section><section style="text-align: justify"><span >不得已先做了一个较低利益方案，然后提供交清增额方案可以通过变相加保增加产品利益。</span></section><section style="text-align: justify"><span >这玩法，在当前市场确实过于超前了。</span></section><section style="text-align: justify"><span style="color: rgb(33, 89, 103)"><span >不过要注意，</span><span >保险公司为了留点余地，交清增额在特定情况下(通常要缴清增额至55-75岁间)才能提升领取金额。</span></span></section><section style="text-align: justify"><span style="color: rgb(33, 89, 103)"><span >想判断怎样交清增额才能利益最大化，可以通过文末联系方式找到我们。</span></span></section><section style="text-align: justify"><span ><strong><span style="color: rgb(33, 89, 103)">二、</span></strong></span></section><section style="text-align: justify"><span >当然，好产品是比出来的，星享福算不算好产品，我们得看实战。</span></section><section style="text-align: justify"><span >对比产品均为目前市面的顶级产品，但其中2款有些渊源，我们做个匿名处理。</span><span ></span></section><section style="text-align: justify"><span >看过之前测评的朋友，大概率也能猜到是啥，实在猜不出来可以后台私信一下。</span></section><p style="text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvQb9bHjJJRfMl2ORhrBcqDT4Uo0a4ibYYbISlK7HZCmI3ceEViaoESmRtcnleNk4fVPaS2sxicYzia0Gw%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvQb9bHjJJRfMl2ORhrBcqDT4Uo0a4ibYYbISlK7HZCmI3ceEViaoESmRtcnleNk4fVPaS2sxicYzia0Gw/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></p><section style="text-align: justify"><span >综合各产品来看说，</span></section><section style="text-align: justify"><strong><span ><span >在使用交清增额后，</span>星享福2025的确是当前领取top1的养老年金险。</span></strong><span ></span></section><section style="text-align: justify"><span >在此前很火的Q(计划三)、H(计划一)基础上，</span></section><section style="text-align: justify"><span >领取金额再做突破，摸到了当前养老年金的天花板。</span></section><section style="text-align: justify"><span >身故保障上，星享福计划一和同样无保证领取的Q<span >(计划三</span><span >)</span>持平；</span></section><section style="text-align: justify"><span ></span><span >星享福</span><span >计</span><span >划二保证返保费，则要</span><span >比保证领取10年的</span><span >H<span >(计划一</span><span >)</span>更强</span><span >。</span></section><section style="text-align: justify"><span >与此同时，鉴于星享福退保金调低了一些，以及<span >没有设</span><span >9</span><span >9岁</span><span >祝</span><span >寿金，</span>导致其大后期IRR会少一点。</span></section><section style="text-align: justify"><span >不过这对其他储蓄险如增额寿来说是个大缺点，</span><span >对</span><span >长期持有、</span><span >规划养老</span><span >的年金险</span><span >来说实则</span><span >无</span><span >伤大雅。</span></section><section style="text-align: justify"><span >毕竟买养老年金险核心还是养老金，后期退保多一点少一点并非最高</span><span >优先</span><span >级</span><span >。</span><span ></span></section><section style="text-align: justify"><span ></span></section><section style="text-align: justify"><span >至于星享福的计划一和计划二怎么选</span><span >，还是跟之前标准一样。</span></section><section style="text-align: justify"><span >领取没低太多、却有着不错身故杠杆的计划二，可能更合适大多数人。</span></section><section style="text-align: justify"><span >但也确实存在不在意身故的朋友，</span></section><section style="text-align: justify"><span >这种情况下，选择极致领取的计划一相对来说更好。</span><span ></span></section><section ><section ><section ><span >后话：</span><strong ></strong></section><section ><span >近期产品变动频繁，我们可能无法对每款产品都进行细致分析。</span></section><section ><span >如对某款产品感兴趣，可以随时联系我，帮您详细分析～</span></section><section ><span >储蓄保险良莠不齐，又涉及家庭重大资产规划，更要仔细甄别。<br /></span></section><section ><span >如需找我咨询，可以扫码联系，让我在最专业的领域帮您少走弯路。</span></section><section ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MzkwODcwMzI2Nw==&amp;mid=2247498620&amp;idx=1&amp;sn=63c7d116b63938f4fb79c716b5140f26&amp;chksm=c0c75830f7b0d126a777b281b7b12406619e8f751bdd16e11113f7ec49476aa42e9088b699b6&amp;scene=21#wechat_redirect" textvalue="为什么选择懂保爷？" linktype="text" imgurl="" imgdata="null" tab="innerlink" hasload="1" style="color: var(--weui-LINK)">为什么选择懂保爷？</a></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvSZbemR2IV8FZJtTcXw902cZCerF6VN8MY58WNsbgr8HHQ3xu9Gb8T1v9lre8noueQibORTEHVRnGg%2F640%3Fwx_fmt%3Dother%26wxfrom%3D5%26wx_lazy%3D1%26wx_co%3D1%26tp%3Dwebp" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvSZbemR2IV8FZJtTcXw902cZCerF6VN8MY58WNsbgr8HHQ3xu9Gb8T1v9lre8noueQibORTEHVRnGg/640?wx_fmt=other&wxfrom=5&wx_lazy=1&wx_co=1&tp=webp" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center"><span ><strong ><span >最后简单跟大家介绍一下自己：</span></strong></span></section><section style="text-align: center"><br /></section><section style="text-align: center"><span >懂保爷平台成立于2018年；</span></section><section style="text-align: center"><span >秉着向上向善的信仰，</span></section><section style="text-align: center"><span 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