<section 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"><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FO95eeDepqTOBX7qdLBpmNefjyCCPcruFedAnOk7jYX6WANlLicfOayDacTqSQqBHX61w4MmnyBRh04iaFsEM7OXA%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/O95eeDepqTOBX7qdLBpmNefjyCCPcruFedAnOk7jYX6WANlLicfOayDacTqSQqBHX61w4MmnyBRh04iaFsEM7OXA/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></span></a></section><section 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></section><section ><br /></section><section ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247491585&idx=1&sn=8c6fcf0886d96b5cbcde21b2415e786f&chksm=cfb60381f8c18a978166eae35547a4dd2d86f555763c832526dde691394ed11b3099781a65de&scene=21#wechat_redirect" textvalue="大限将至" linktype="text" imgurl="" imgdata="null" tab="innerlink"><span >大限将至</span></a><span >，又有一款理财险要停售了。</span></section><section ><span ><br /></span></section><section ><span >它就是弘康<span >“<span >三剑客</span>”</span>之一的<strong>金满满</strong>增额终身寿险，将于11月15日停售。</span></section><section ><span ><br /></span></section><section ><span >不过对于这次停售，还请大家冷静，真心</span><span >不建议上车。</span></section><p style="text-align: justify"><br /></p><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、停售背景</strong></span></section></section></section></section></section></span></section><p ><br /></p><p ><span >为啥停售，大家可以看下：<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247491585&idx=1&sn=8c6fcf0886d96b5cbcde21b2415e786f&chksm=cfb60381f8c18a978166eae35547a4dd2d86f555763c832526dde691394ed11b3099781a65de&scene=21#wechat_redirect" textvalue="至暗时刻，互联网人身保险或将全部下架" linktype="text" imgurl="" imgdata="null" tab="innerlink">至暗时刻，互联网人身保险或将全部下架</a></span></p><p ><span ><br /></span></p><p ><span >表面原因是官方提高了保险公司卖理财险的资质门槛。</span></p><p ><span ><br /></span></p><p ><span >本质原因其实是，监管机构</span><span >通过硬性规模筛选，杜绝中小保险公司为了增量、采用激进费率策略引发的“利差损”风险。</span></p><p ><span ><br /></span></p><blockquote ><section><section><p ><span style="color: rgb(136, 136, 136)">简单解释下，我们买的理财险，保险公司收到保费，会拿我们交的钱去做大宗理财。<br /></span></p><p ><br /></p><p ><span style="color: rgb(136, 136, 136)">相比个人，机构收益会远远超过，例如我们做理财收益是4%左右，保险公司通常能达到8%以上。</span></p><p ><br /></p><p ><span style="color: rgb(136, 136, 136)">通过以上方式赚的钱对保险公司来说就是<strong>利差益</strong>。</span></p><p ><br /></p><p ><span style="color: rgb(136, 136, 136)">反之，如果保险公司承诺我们4%，未来它自己收益只有2-3%，那它就要贴钱补给我们，这就是<strong>利差损</strong>。</span></p></section></section></blockquote><section ><br /></section><section ><span >直白说就是大公司收益偏“保守”，产生风险的可能性相对较低；</span></section><section ><br /></section><section ><span >而中小规模的保险公司定价更为“激进”，消费者收益更高，产生风险可能性较大，官方就想按住这些公司。</span></section><section ><br /></section><section ><span >因为在我国保险是强监管行业，银保监时刻盯着大大小小的保险公司们，</span></section><section ><span ><br /></span></section><section ><span >一旦出事，就得及时着手解决。</span></section><section ><span ><br /></span></section><section ><span >这种“兜底”制度好处是足够安全，不用担心买了保险后，保险公司出事导致保单没着落。</span></section><section ><br /></section><section ><span >坏处则是官方对不可控风险会及时“扼杀在摇篮里”。</span></section><section ><span ><br /></span></section><section ><span >一如当前的增额终身寿险，火起来没多久，却因为畸形的产品形态兼顾了收益和安全灵活，</span></section><section ><br /></section><section ><span >以及纷纷入场的中小保险公司为了增量采取的激进定价策略，使得高收益增额寿即将“早夭”。</span></section><section ><span style="color: rgb(136, 136, 136)"><br /></span></section><p ><span style="color: rgb(136, 136, 136)">投保增额终身寿险大家可以理解为，</span></p><p ><span style="color: rgb(136, 136, 136)">相当于在保险公司办一张高收益的银行卡（安全）；</span></p><p ><span style="color: rgb(136, 136, 136)">“银行卡的余额”会以3.5%终身复利增值（高收益）；</span></p><p ><span style="color: rgb(136, 136, 136)">想用钱了，就从“银行卡”里随时取钱出来花，无手续费（灵活）；</span></p><p ><span style="color: rgb(136, 136, 136)">可用来理财、养老、子女教育等。</span><span ></span></p><p ><br /></p><p ><span >可以预见，<span >即便没有这</span><span >次新规</span>，高收益<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247491024&idx=2&sn=f8840886f83cd0ef27ee0362de0a0b70&chksm=cfb5fe50f8c2774637c8fc7aa2dd8ee076b91f82b58d46e46c6e7a68b817542fa5e573eb32d1&scene=21#wechat_redirect" textvalue="增额终身寿险" linktype="text" imgurl="" imgdata="null" tab="innerlink">增额终身寿险</a>停售潮也很快到来。</span></p><section ><span ><br /></span></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、为什么不建议上车？</strong></span></section></section></section></section></section></span></section><p ><br /></p><p ><span >可能大家会疑惑，</span></p><p ><span ><br /></span></p><p ><span >既然你都说增额终身寿险快没了，为啥还不建议上车金满满？</span></p><p ><span ><br /></span></p><p ><span >要知道金满满也算是其中的佼佼者啊。</span></p><p ><span ><br /></span></p><p ><span >原因只有一个：<strong>不值得</strong>。</span></p><p ><span ><br /></span></p><p ><span >和金满满差不多，甚至更好的产品都还没停售，我急着上这车干嘛？</span></p><p ><span ><br /></span></p><p ><span >具体我们看下产品对比，</span></p><p ><span style="color: rgb(136, 136, 136)"></span></p><p ><span >以给5岁孩子投保增额终身寿险</span><span style="color: rgb(136, 136, 136)">（增额终身寿险优先给孩子买，可锁定更长收益期，还不影响保单支配权）</span><span >，年交10万，交5年为例：</span></p><p ><br /></p><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTPDD2Hj3TnMlqSxx1sbzossQMG8VNBVcEibLMMicHmbECJ51IibdqvKbDW0kznnZTFbkSxfXErafDibew%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTPDD2Hj3TnMlqSxx1sbzossQMG8VNBVcEibLMMicHmbECJ51IibdqvKbDW0kznnZTFbkSxfXErafDibew/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><p ><br /></p><p ><span >明显，就收益来说，几款互有优劣，不存在哪款有绝对优势。</span></p><p ><span ><br /></span></p><p ><span >甚至在最可能用钱的中期，增多多2号和金满意足（臻享版）还更有优势。</span></p><p ><span ><br /></span></p><p ><span >何况金满满还有个瑕疵：</span><span >停售后不能加保。</span></p><p ><br /></p><p ><span style="color: rgb(136, 136, 136)">意味着未来几年利率进一步下行时，想追加点钱使它复利3.5%增长，就不能操作了，</span><span style="color: rgb(136, 136, 136)">增多多2</span><span style="color: rgb(136, 136, 136)">号就没这毛病。</span></p><p ><span style="color: rgb(136, 136, 136)"><br /></span></p><p ><span >因此，急着上车金满满还有必要吗？</span><span >别被人</span><span >忽悠了</span><span >呀。</span></p><p ><span ><br /></span></p><p ><span ></span><span style="color: rgb(136, 136, 136)">最后提醒下，</span></p><p ><br /></p><p ><span style="color: rgb(136, 136, 136)">我给大家推荐的所有增额终身寿险IRR都在3.49%-3.5%之间，在这层面上，选哪款都是可以的，</span></p><p ><br /></p><p ><span style="color: rgb(136, 136, 136)">因为IRR差个0.001%真的意义不大，几十年后收益都上百万了，差个几百一千并不重要，大家不要陷入纠结哪款收益高点的怪圈了。</span></p><p ><span style="color: rgb(136, 136, 136)"><br /></span></p><p ><span style="color: rgb(136, 136, 136)">相比之下，挑选没瑕疵、运营规则成熟的产品更重要。</span></p><section ><span ></span></section><section ><span ><br /></span></section><p ><strong ><span >最后发下最新的理财险挑选思路图：</span></strong></p><p ><br /></p><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTNr3br3dNSpibn0LyrE6y8S8NuEaykKZpOO87fQZtmxQGD0zYcSSpR5VVoSEhJRosWQDQw7tyI3A5w%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTNr3br3dNSpibn0LyrE6y8S8NuEaykKZpOO87fQZtmxQGD0zYcSSpR5VVoSEhJRosWQDQw7tyI3A5w/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><p ><br /></p><p ><span >大家对号入座吧。</span></p><p ><span ><br /></span></p><p ><span >这些产品都可以放心投保，绝对比12月31日新规正式生效后，我们在网上买到的“大”公司产品收益更高。</span></p><p ><span ><br /></span></p><p ><span >目前第一推荐的增额终身寿险「增多多2号」投保链接我也放下面了：<br /></span></p><p ><span ><br /></span></p><p ><span style="color: rgb(33, 89, 103)">投保入口：</span><span ><a wah-hotarea="click" href="" href="">增多多2号</a></span></p><p ><span style="color: rgb(136, 136, 136)"><br /></span></p><p ><span style="color: rgb(136, 136, 136)">其他高收益产品，</span><span style="color: rgb(33, 89, 103)">投保入口都能在【懂保爷】公众号菜单找到</span><span style="color: rgb(136, 136, 136)">，时间不多了，建议大家先上车开个户，给未来锁定一个终身复利高收益的账户。</span><br /></p><section ><span style="color: rgb(136, 136, 136)"></span></section><p ><br /></p><section ><strong ><span style="color: rgba(0, 0, 0, 0.9); text-align: start">有疑问，可以加我助手微信</span><strong style="color: rgb(0, 0, 0)"><span >：</span></strong></strong><strong style="color: rgb(0, 0, 0)"><span >dongbaoye888</span></strong></section><section ><strong style="color: rgb(0, 0, 0)"><span ></span></strong></section><section ><br /></section><section ><span style="color: rgb(0, 0, 0)"><strong ><span >或点击下方</span></strong></span><span ><span style="color: rgb(33, 89, 103)"><strong ><span >公众号“免费咨询”菜单</span></strong></span><span style="color: rgb(0, 0, 0)"><strong ><span >找我团队专业保险规划老师帮你解决。</span></strong></span></span></section><section></mpprofile></section><section ><span style="color: rgb(0, 0, 0)">相关阅读：</span></section><section ><br /></section><section ><strong><span >理财险评测：</span></strong><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247491768&idx=1&sn=7049ecb49538bbf468ed8a67965ebad4&chksm=cfb60338f8c18a2eb84e36ac5be003a167116701f81e3aca36668db6a8fe338e4e3b0c99d1ca&scene=21#wechat_redirect" textvalue="这类快停售的保险，先别急着买" linktype="text" imgurl="" imgdata="null" tab="innerlink">这类快停售的保险，先别急着买</a></span></section><section ><strong><span >新规解读：</span></strong><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247491585&idx=1&sn=8c6fcf0886d96b5cbcde21b2415e786f&chksm=cfb60381f8c18a978166eae35547a4dd2d86f555763c832526dde691394ed11b3099781a65de&scene=21#wechat_redirect" tab="innerlink" ><span >至暗时刻，互联网人身保险或将全部下架</span></a><br /></section><section style="text-align: left"><span ><strong>理财险科普：</strong></span><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247491024&idx=2&sn=f8840886f83cd0ef27ee0362de0a0b70&chksm=cfb5fe50f8c2774637c8fc7aa2dd8ee076b91f82b58d46e46c6e7a68b817542fa5e573eb32d1&scene=21#wechat_redirect" tab="innerlink"><span >谈谈投资理财险：了解这些，谁都忽悠不了你！</span></a></section><section style="text-align: left"><span ><strong><span >线上保险：</span></strong></span><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447787719&idx=1&sn=a9b80b3e85772fe569fb8a4dfbc4ba4a&chksm=b2b0618585c7e8934554004c34922a850cd82a9537ee2a7868e440eec2688d759e17e1cc4968&scene=21#wechat_redirect" tab="innerlink" hasload="1" wah-hotarea="click" ><span >「网上」买保险靠谱吗？</span></a></section><section style="text-align: left"><span ><strong><span >保险公司大小：</span></strong><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447791906&idx=1&sn=2ce60e5394a0cbc2a4b1ca0feca31c04&chksm=b2b0706085c7f97675a310f1e6e0655a3b2aa8816dc1feedae32ef31bd9122b933b2190116eb&scene=21#wechat_redirect" tab="innerlink" hasload="1" wah-hotarea="click" >这个保险公司没听过，产品能买吗？理赔靠谱吗？</a></span></span></section><section ><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><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FO95eeDepqTPX79HzDmJaNiaohKhfEd58Ok6mcU6JsZickVx1UkAibENclTVHm5e91NUUMib6W0qz9oPUWKFgyR3uYA%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/O95eeDepqTPX79HzDmJaNiaohKhfEd58Ok6mcU6JsZickVx1UkAibENclTVHm5e91NUUMib6W0qz9oPUWKFgyR3uYA/640?wx_fmt=gif" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center"><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)">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>
