<p ><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZB4VKQFhDFRDyvm5NRvQkCGkFyPFZWbfrTgqqFyvQ3mj0j9pkQnhTEzsoMzaeSTWngjtMXNHkxiaSg%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26wx_co%3D1" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZB4VKQFhDFRDyvm5NRvQkCGkFyPFZWbfrTgqqFyvQ3mj0j9pkQnhTEzsoMzaeSTWngjtMXNHkxiaSg/640?wx_fmt=png&from=appmsg&wxfrom=5&wx_lazy=1&wx_co=1" alt="懂保爷测评配图" loading="lazy" /></span></p><section ><span >老样子，咱们废话不多说，直接上筛选了一遍后剩余的大公司产品；<br /></span></section><ul ><li><section ><span style="color: rgb(33, 89, 103)">中国人寿-颐养人生 ；<o:p></o:p></span></section></li><li><section ><span style="color: rgb(33, 89, 103)">平安人寿-御享鑫瑞2.0；<o:p></o:p></span></section></li><li><section ><span style="color: rgb(33, 89, 103)">太平洋人寿-嘉传未来；</span></section></li><li><section ><span style="color: rgb(33, 89, 103)">人保寿险-鑫享嘉；<o:p></o:p></span></section></li><li><section ><span style="color: rgb(33, 89, 103)">泰康人寿-福寿百岁2023；</span></section></li><li><section ><span style="color: rgb(33, 89, 103)">太平人寿-e养添年；</span></section></li></ul><section ><strong><span style="color: rgb(0, 0, 0)">个人养老年金险最核心的挑选标准就是</span></strong><span style="color: rgb(217, 33, 66)"><strong><span >领取金额、账户价值（退保金）、身故保障</span></strong></span><strong><span style="color: rgb(0, 0, 0)">这三点。</span></strong></section><section ><span style="color: rgb(0, 0, 0)">此外，我又选了一款市面上顶级年金险来做对照组；</span></section><section ><section powered-by="xmyeditor.com"><section style="text-align: center"><section powered-by="xmyeditor.com"><section powered-by="xmyeditor.com"><section powered-by="xmyeditor.com"><br /></section><section powered-by="xmyeditor.com"><section powered-by="xmyeditor.com"><section style="color: rgb(0, 0, 0)" powered-by="xmyeditor.com"><p>01 保单利益</p></section></section></section></section></section></section></section></section><p style="text-align: left"><span >我们以“40岁女性、年交10万、交5年、60岁领取”为例</span><br /></p><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZDIWjU0W0N6B9sOG2XjKY6OkZtUGblDaAo7Wakg9rX6ObbpQhgibydqV9ibZndj3ldficlIvQiaxib2L8g%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZDIWjU0W0N6B9sOG2XjKY6OkZtUGblDaAo7Wakg9rX6ObbpQhgibydqV9ibZndj3ldficlIvQiaxib2L8g/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></p><section style="text-align: left"><span >咱们根据上图，大致可以把这六款产品，分为两类：<br /></span></section><section style="text-align: left"><span style="color: rgb(217, 33, 66)"><strong><span >高领取低保障</span></strong></span><span >：e养添年、福寿百岁、鑫享嘉。</span><br /></section><section style="text-align: left"><span style="color: rgb(217, 33, 66)"><strong><span >低领取高保障</span></strong></span><span >：御享鑫瑞2.0、颐养人生、嘉传未来。</span></section><section style="text-align: left"><span style="color: rgb(2, 30, 170)"><strong ><span style="color: rgb(2, 30, 170)">对照组则是目前市场上利益＋保障的均衡性产品。</span></strong></span></section><section style="text-align: left"><span ><strong>一、高领取低保障类型：</strong></span><br /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZDIWjU0W0N6B9sOG2XjKY6O2P97YVBpMaH06FjRynRAKaFbkY9xQ3PCNQ8zwVEuMPZtEIAbDCdmxw%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZDIWjU0W0N6B9sOG2XjKY6O2P97YVBpMaH06FjRynRAKaFbkY9xQ3PCNQ8zwVEuMPZtEIAbDCdmxw/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: left"><span ></span></section><section style="text-align: left"><span style="color: rgb(0, 0, 0)"><span >高领取低保障产品，将身故金和退保金部分转化为领取金，从而大幅提高每年可领养老金，相反的，也降低了身故保障。</span></span></section><section style="text-align: left"><span style="color: rgb(0, 0, 0)"><strong><span >先看三金：</span></strong></span><span style="color: rgb(217, 33, 66)"></span><span ><br /></span></section><section ><section powered-by="xmyeditor.com"><section powered-by="xmyeditor.com"><section powered-by="xmyeditor.com"><section powered-by="xmyeditor.com"><br /></section><section powered-by="xmyeditor.com"><br /></section><section powered-by="xmyeditor.com"><section style="color: rgb(51, 51, 51); text-align: left" powered-by="xmyeditor.com"><p><span style="color: rgb(0, 0, 0)"><strong><span >领取金</span></strong><span >：</span><span >e养添年>福寿百岁2023>鑫享嘉;</span><br /></span></p></section></section></section><p ><br /></p><section powered-by="xmyeditor.com"><br /></section><p ><br /></p></section><section powered-by="xmyeditor.com"><section powered-by="xmyeditor.com"><section powered-by="xmyeditor.com"><br /></section><section powered-by="xmyeditor.com"><br /></section><section powered-by="xmyeditor.com"><section style="color: rgb(51, 51, 51); text-align: left" powered-by="xmyeditor.com"><p><span style="color: rgb(0, 0, 0)"><strong><span >退保金</span></strong><span >：鑫享嘉>福寿百岁2023>e养添年；</span><br /></span></p></section></section></section><p ><br /></p><section powered-by="xmyeditor.com"><br /></section><p ><br /></p></section><section powered-by="xmyeditor.com"><section powered-by="xmyeditor.com"><section powered-by="xmyeditor.com"><br /></section><section powered-by="xmyeditor.com"><br /></section><section powered-by="xmyeditor.com"><section style="color: rgb(51, 51, 51); text-align: left" powered-by="xmyeditor.com"><p><span style="color: rgb(0, 0, 0)"><strong><span style="color: rgb(0, 0, 0)">身故金</span></strong><span style="color: rgb(0, 0, 0)">：鑫享福>e养添年>福寿百岁2023；</span><br /></span></p></section></section></section><p ><br /></p><section powered-by="xmyeditor.com"><br /></section></section><section powered-by="xmyeditor.com"><section style="text-align: center" powered-by="xmyeditor.com"><section powered-by="xmyeditor.com"><section style="color: rgb(0, 0, 0)" powered-by="xmyeditor.com"><p ><br /></p></section></section></section></section></section></section><section style="text-align: left"><strong><span style="text-align: left">综合来看；</span></strong></section><section style="text-align: left"><span style="color: rgb(2, 30, 170)"><strong><span style="text-align: left">排在top1的是福寿百岁2023，综合实力最强；</span></strong></span><span style="text-align: left">在保证高领取3.96万的前提下，身故保障高达3.9620=79.2万，退保金持续至78岁，哪怕</span><span >未来急需大笔资金时也可退保拿走。</span></section><section style="text-align: left"><span ><span ><strong style="color: rgb(2, 30, 170)">当然了，看重生前利益的则可以选择e养添年</strong></span>，每年领取金额最高可拿4.04万，还要高额身故金共80.8万；唯一的小缺点就是领取后退保金自动归0，但这点影响就因人而异，</span><span >毕竟</span><span >年金险</span><span >是作为个人养老金的用途。</span></section><section style="text-align: left"><span >相反，只想<strong><span style="color: rgb(2, 30, 170)">每年有钱领、身故遗产多的则可以选择鑫享嘉</span></strong>，毕竟他每年只能领35910元，比前两位低了4k左右；但它的身故金和退保金最多，在85岁退保后，还能带走29.6万。</span></section><section style="text-align: left"><strong><span >那么对照组表现如何呢？</span></strong></section><section ><section powered-by="xmyeditor.com"><section powered-by="xmyeditor.com"><section powered-by="xmyeditor.com"><br /></section><section powered-by="xmyeditor.com"><section style="color: rgb(102, 102, 102); text-align: left" powered-by="xmyeditor.com"><p><span ><span style="color: rgba(0, 0, 0, 0.9)">同样在保证领取20年的基础上，对照组每年可领45775元，比top1还要多5k；身故金共有4577520=91.55万也是最多的；退保金持续至85岁，此时退保能拿回21.2万。</span></span></p></section></section><section powered-by="xmyeditor.com"><br /></section></section></section></section><p style="text-align: left"><span ><strong><span >二、低领取高保障型产品：</span></strong></span><span ><br /></span></p><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZDIWjU0W0N6B9sOG2XjKY6OP6sgprZ9xq0LAJIa5SpHJHzzm3FicpmnnRFfDtUxP6ac9F97EbeRiccQ%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZDIWjU0W0N6B9sOG2XjKY6OP6sgprZ9xq0LAJIa5SpHJHzzm3FicpmnnRFfDtUxP6ac9F97EbeRiccQ/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></p><p style="text-align: left"><span >低领取高保障类型的产品，虽然领取金变低了，但身故金、退保金这两个方面双双加强，有的终身有退保金且价值高。</span></p><p style="text-align: left"><span style="color: rgb(2, 30, 170)">中国人寿-颐养人生情况有点特殊，它是默认女性55岁领取的，所以也比同类产品要快个5年领取。</span><span ></span><br /></p><p style="text-align: left"><span style="color: rgb(0, 0, 0)"><strong><span >同样看3金：</span></strong></span></p><section ><section powered-by="xmyeditor.com"><section powered-by="xmyeditor.com"><section powered-by="xmyeditor.com"><section powered-by="xmyeditor.com"><br /></section><section powered-by="xmyeditor.com"><br /></section><section powered-by="xmyeditor.com"><section style="color: rgb(51, 51, 51); text-align: left" powered-by="xmyeditor.com"><p><span style="color: rgb(0, 0, 0)"><strong><span style="color: rgb(0, 0, 0)">领取金</span></strong></span><strong><span style="color: rgba(0, 0, 0, 0.9)">：</span></strong><span style="color: rgba(0, 0, 0, 0.9)">嘉传未来>颐养人生>御享鑫瑞2.0</span><span style="color: rgb(217, 33, 66)"><span ></span></span><br /></p></section></section></section><p ><br /></p><section powered-by="xmyeditor.com"><br /></section><p ><br /></p></section><section powered-by="xmyeditor.com"><section powered-by="xmyeditor.com"><section powered-by="xmyeditor.com"><br /></section><section powered-by="xmyeditor.com"><br /></section><section powered-by="xmyeditor.com"><section style="color: rgb(51, 51, 51); text-align: left" powered-by="xmyeditor.com"><p><br /></p><section powered-by="xmyeditor.com"><span style="color: rgb(51, 51, 51); text-align: left"><strong><span style="color: rgb(0, 0, 0)">身故金</span></strong><span style="color: rgba(0, 0, 0, 0.9)">：</span><span style="color: rgba(0, 0, 0, 0.9)">御享鑫瑞2.0>嘉传未来>颐养人生;</span></span></section><p><br /></p></section></section></section><p ><br /></p><section powered-by="xmyeditor.com"><br /></section><p ><br /></p></section><section powered-by="xmyeditor.com"><section powered-by="xmyeditor.com"><section powered-by="xmyeditor.com"><br /></section><section powered-by="xmyeditor.com"><br /></section><section powered-by="xmyeditor.com"><section style="color: rgb(51, 51, 51); text-align: left" powered-by="xmyeditor.com"><p><span style="color: rgba(0, 0, 0, 0.9)"></span><strong><span style="color: rgba(0, 0, 0, 0.9)">退保金</span></strong><span style="color: rgba(0, 0, 0, 0.9)">：</span><span style="color: rgba(0, 0, 0, 0.9)">御享鑫瑞2</span><span style="color: rgba(0, 0, 0, 0.9)">.0</span><span style="color: rgba(0, 0, 0, 0.9)">></span><span style="color: rgba(0, 0, 0, 0.9)">嘉传未来</span><span style="color: rgba(0, 0, 0, 0.9)">>颐养人</span><span style="color: rgba(0, 0, 0, 0.9)">生</span><span style="color: rgba(0, 0, 0, 0.9)">;</span><br /></p></section></section></section><p ><br /></p><section powered-by="xmyeditor.com"><br /></section></section><section powered-by="xmyeditor.com"><section style="text-align: center" powered-by="xmyeditor.com"><section powered-by="xmyeditor.com"><section style="color: rgb(0, 0, 0)" powered-by="xmyeditor.com"><p ><br /></p></section></section></section></section></section></section><p style="text-align: left"><strong><span >综合实力来看；</span></strong><span ></span></p><p style="text-align: left"><span style="color: rgb(2, 30, 170)"><strong><span >排在top1的是嘉传未来</span></strong></span><strong><span style="color: rgb(2, 30, 170)">，</span></strong><span >首先它每年领取30260元最多，终身有退保金，身故保障是领取后max（总保费-已领养老金、现价），若在刚领取时就不幸身故也有74万遗产。</span></p><p style="text-align: left"><span style="color: rgb(2, 30, 170)"><strong><span >排在top2的则是御享鑫瑞2.0，</span></strong></span><span >每年领取25700元，虽然牺牲了部分利益，但终身享有高额退保金，在77岁时现金价值还能高达70万！</span></p><p style="text-align: left"><span >身故时赔偿当时现金价值，哪怕100岁时身故还能留下54.9万遗产给子孙这一点是无人能做到的。</span></p><p style="text-align: left"><strong><span >对照组表现：</span></strong></p><section ><section powered-by="xmyeditor.com"><section powered-by="xmyeditor.com"><section powered-by="xmyeditor.com"><section style="color: rgb(102, 102, 102); text-align: left" powered-by="xmyeditor.com"><p ><span ><span style="color: rgba(0, 0, 0, 0.9)">由于和上述一致，我就不多赘述了！<br /></span></span></p><section ><span ><span style="color: rgba(0, 0, 0, 0.9)">对照组在保证利益（4.57万）的同时，兼顾了身故和退保金，虽然没有这一组的保障强力，但对于普通人来说也够用了。</span></span></section></section></section></section></section></section><p ><strong><span style="color: rgb(0, 0, 0)">小结一下；</span></strong></p><p ><span style="color: rgb(0, 0, 0)">纵观两个小组的表现，这些产品大致可以分为三个梯队：</span></p><section ><section powered-by="xmyeditor.com"><section powered-by="xmyeditor.com"><section powered-by="xmyeditor.com"><br /></section><section powered-by="xmyeditor.com"><section style="color: rgb(102, 102, 102); text-align: left" powered-by="xmyeditor.com"><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgb(0, 0, 0)">T1：太平洋-嘉传未来、泰康-福寿百岁2023、<span style="color: rgb(0, 0, 0)">太平-e养添年</span>；</span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgb(0, 0, 0)">T2：平安-御享鑫瑞2.0、人保-鑫享嘉；</span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgb(0, 0, 0)">T3：国寿-颐养人生；</span></section></section></section></section></section></section><p ><span style="color: rgb(0, 0, 0)">当</span><span style="color: rgb(0, 0, 0)">然</span><span style="color: rgb(0, 0, 0)">，以上仅是限定范围的“大公司”内部对比。</span><br /></p><section ><span ><strong><span style="color: rgb(0, 0, 0)">放眼整个年金险市场，哪怕是两组中最好的嘉传未来、福寿百岁2023这两款也是很难排上号的。</span></strong></span></section><section ><section powered-by="xmyeditor.com"><section style="text-align: center"><section powered-by="xmyeditor.com"><section powered-by="xmyeditor.com"><section powered-by="xmyeditor.com"><br /></section><section powered-by="xmyeditor.com"><section powered-by="xmyeditor.com"><section style="color: rgb(0, 0, 0)" powered-by="xmyeditor.com"><p>02 保单功能</p></section></section></section></section></section></section></section></section><section ><span ><strong><span style="color: rgb(0, 0, 0)"></span></strong></span></section><section ><span style="color: rgb(0, 0, 0)">当然了，这些年金险最主要的作用就是给我们未来养老时一个稳定且高复利的现金流，用来提高养老质量、补充养老金等作用。</span></section><section ><span style="color: rgb(0, 0, 0)">除了这些外，保单功能也是我们应该关注的，虽然说有些人不用但是不能没有。</span></section><section ><strong><span style="color: rgb(0, 0, 0)">一、养老社区</span></strong><span style="color: rgb(0, 0, 0)"><br /></span></section><section ><strong ><span style="color: rgb(0, 0, 0)"><span style="color: rgb(89, 89, 89); text-align: left">一款养老年金最吸引人的增值服务应该就是它的养老社区了</span></span></strong><br /></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZDIWjU0W0N6B9sOG2XjKY6OyHGsm10IPx5RlCk37w3TbP4hAoicicicu4iawe10W6CbRtowhrRhe5icWZQ%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZDIWjU0W0N6B9sOG2XjKY6OyHGsm10IPx5RlCk37w3TbP4hAoicicicu4iawe10W6CbRtowhrRhe5icWZQ/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></p><section ><strong ><span style="color: rgb(0, 0, 0)"><span style="color: rgb(89, 89, 89); text-align: left"></span></span></strong></section><section ><section ><section ><section ><section ><section ><p ><strong><span style="color: rgb(0, 0, 0)">太平人寿的梧桐人家入住门槛最低</span></strong><span style="color: rgb(0, 0, 0)">，只需要120万即可享受入住权，对于预算有限的朋友相当友好并且地址分布区域广泛。</span></p><p ><span style="color: rgb(0, 0, 0)">其次是中国人寿-国寿嘉园、太平洋人寿-太保家园、泰康人寿-泰康之家、人保-人家颐园的入住门槛是200万。<br /></span></p><p ><span style="color: rgb(0, 0, 0)">最后入住门槛最高的就是平安人寿-平安颐年城，需要1000万！</span></p><p ><strong><span style="color: rgb(0, 0, 0)">简单介绍下最好的两款：太平洋-嘉传未来、泰康-福寿百岁2023的养老社区。</span></strong><span style="color: rgb(0, 0, 0)"></span></p><section ><span style="color: rgb(2, 30, 170)"><strong><span style="color: rgb(2, 30, 170)"><strong style="color: rgb(0, 122, 170)"><span style="color: rgb(2, 30, 170); text-align: left">泰康人寿——泰康之家</span></strong></span></strong></span></section><section ><section powered-by="xmyeditor.com"><section powered-by="xmyeditor.com"><section powered-by="xmyeditor.com"><section style="color: rgb(102, 102, 102); text-align: left" powered-by="xmyeditor.com"><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FNGupRwr5hZDIWjU0W0N6B9sOG2XjKY6OSZ6LQYjMyibMPGyJ8cdy2UkDAjcxpPM5NicUqJibaClWyXVFr24zCMX2A%2F640%3Fwx_fmt%3Djpeg%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/NGupRwr5hZDIWjU0W0N6B9sOG2XjKY6OSZ6LQYjMyibMPGyJ8cdy2UkDAjcxpPM5NicUqJibaClWyXVFr24zCMX2A/640?wx_fmt=jpeg&from=appmsg" alt="懂保爷测评配图" loading="lazy" /><br /></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="text-align: left; color: rgb(0, 0, 0)">泰康是国内最早涉足养老社区的保险公司之一，从2009年就开始投资了。</span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="text-align: left; color: rgb(0, 0, 0)">泰康之家是泰康保险集团股份有限公司旗下专注养老、护理、康复实体建设运营和创新服务的专业品牌，采用持续照护模式，独创医养结合特色，打造大规模、全功能、高品质、连锁医养社区。</span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="text-align: left; color: rgb(0, 0, 0)">目前，泰康已在全国34个核心城市布局了39个泰康之家园区，已开业20家园区，在住居民超1.1万名。</span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="text-align: left; color: rgb(0, 0, 0)">根据泰康之家的统计，泰康之家入住老人的平均年龄是81岁，其中百岁老人有10位，90岁以上超700位。泰康之家的居民中，在住院士和学部委员32位，双一流大学书记/校长18位。</span></p></section></section></section></section></section><section ><span style="color: rgb(2, 30, 170)"><strong>太平洋-太保家园</strong></span></section><section ><section powered-by="xmyeditor.com"><section powered-by="xmyeditor.com"><section powered-by="xmyeditor.com"><section style="color: rgb(102, 102, 102); text-align: left" powered-by="xmyeditor.com"><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FKneM0z7DSaW9f8ciaptibGJFRFPvKibOFFMnB1ksy2Un0aviaebPOZ38jSdfrHDJd6IM4wd14W8gExyiaAlPQG9oWPA%2F640%3Fwx_fmt%3Dpng%26wxfrom%3D5%26wx_lazy%3D1%26wx_co%3D1%26tp%3Dwxpic" data-origin="https://mmbiz.qpic.cn/mmbiz_png/KneM0z7DSaW9f8ciaptibGJFRFPvKibOFFMnB1ksy2Un0aviaebPOZ38jSdfrHDJd6IM4wd14W8gExyiaAlPQG9oWPA/640?wx_fmt=png&wxfrom=5&wx_lazy=1&wx_co=1&tp=wxpic" alt="懂保爷测评配图" loading="lazy" /></section><p style="color: rgba(0, 0, 0, 0.9)"><span ><strong><span style="text-align: justify">太平洋太保家园定位于高端城郊型+度假型+城市型医养社区，投资模式为自建，打造了三大产品线：高</span><span style="text-align: justify">龄</span><span style="text-align: justify">康养、中龄颐养、低龄乐养。</span><br /></strong></span></p><p style="color: rgba(0, 0, 0, 0.9)"><span ><strong>①国际乐养社区（度假型）：</strong></span></p><section style="color: rgba(0, 0, 0, 0.9)"><span >面向55～69岁的低龄老人，以旅行候鸟式养老业态为主的乐养社区。</span></section><section style="color: rgba(0, 0, 0, 0.9)"><span ><strong>②国际颐养社区（城郊型）：</strong></span></section><section style="color: rgba(0, 0, 0, 0.9)"><span >面向70～79岁的中龄老人，设计开发城郊型产品，以健康活力养老业态为主的颐养社区。</span></section><section style="color: rgba(0, 0, 0, 0.9)"><span ><strong>③国际康养社区（城市型）：</strong></span></section><section style="color: rgba(0, 0, 0, 0.9)"><span >面向80岁以上的高龄老人，设计开发城市型养护产品，以健康护理业态为主的康养社区。</span></section><section style="color: rgba(0, 0, 0, 0.9)"><span >全面覆盖从低龄-高龄长者的全年龄段养老社区产品，未来将具备“从55岁至99岁+”的全龄覆盖的养老照护服务能力。</span></section></section></section></section></section></section><p ><span style="color: rgb(2, 30, 170)"><strong>再说几句；<br /></strong></span></p><p ><span style="color: rgb(0, 0, 0)">大公司年金险产品鱼龙混杂，想要找到一份保单利益高还兼顾身故保障的产品并不容易。</span></p><p ><span style="color: rgb(0, 0, 0)">当然这并不是否定大公司没有好产品，虽然有好产品，但放到全体市场上比较就有点逊色了。</span></p><p ><span style="color: rgb(0, 0, 0)">最后，尚未投保的朋友想要了解或有感兴趣的产品，也可分享给我们帮助解答。<br /></span></p><p ><span ><strong ><em ><span style="color: rgb(33, 89, 103)">有问题，可扫描下图二维码咨询我团队的专业规划老师。</span></em></strong></span></p><p ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FO95eeDepqTOpB6SvNluyC7ibynwMqmmaeYaEESkpsJpZYybXqtHXeYNahSKOQ9dUFW3Eq7ibxWIjmRarPG9x0XKg%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/O95eeDepqTOpB6SvNluyC7ibynwMqmmaeYaEESkpsJpZYybXqtHXeYNahSKOQ9dUFW3Eq7ibxWIjmRarPG9x0XKg/640?wx_fmt=gif" alt="懂保爷测评配图" loading="lazy" /></p><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="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，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></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></section></section></section></section></section></section><p ></mp-style-type></p>
