<section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZAVj0AwwnF3hXUXQbBHwBgdO4cK4nN0lJ80R6Z4nxsogYjPFhmib9VTspIvCiaQicG6R4pjMLLic082tg%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZAVj0AwwnF3hXUXQbBHwBgdO4cK4nN0lJ80R6Z4nxsogYjPFhmib9VTspIvCiaQicG6R4pjMLLic082tg/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><p ><span >不少人选择储蓄险时，都为增额寿还是万能账户纠结过。</span><br /></p><p ><span >毕竟增额寿撑死只能接近3.5%，万能账户可以轻松“达到”4.5%...</span></p><p ><span >乍一看，像是这么回</span><span >事。</span></p><section ><span >可事实真的如此吗？</span></section><section ><span ><br /></span></section><section ><section style="text-align: center" powered-by="xiumi.us"><section ><section powered-by="xiumi.us"><section ><section style="color: rgb(139, 207, 224); text-align: justify" powered-by="xiumi.us"><p style="text-align: right"><strong>01</strong></p></section></section><section ><section style="text-align: left" powered-by="xiumi.us"><section ><svg viewbox="0 0 1 1" ></svg></section></section><section style="text-align: right" powered-by="xiumi.us"><section style="color: rgb(112, 139, 136)"><p><br /></p></section></section></section></section></section></section></section><section ><span >先来简单了解一下万能账户和增额终身寿。</span></section><section ><span style="color: rgb(0, 122, 170)"><strong><span >1、万能账户</span></strong></span></section><section ><span >万能账户也叫万能险，是一种新型人身保险。</span><br /></section><section ><span >官方给的定义是同时具备以下特征的人身保险：</span></section><section ><span style="color: rgb(136, 136, 136)">（一）在产品名称中包含“万能型”字样；<br /></span></section><section ><span style="color: rgb(136, 136, 136)">（二）具有保险保障功能，可不定期，不定额追加保险费，灵活调整保险金额，以及领取部分或全部保单账户价值；</span></section><section ><span style="color: rgb(136, 136, 136)">（三）设立单独保单账户，且保单账户价值提供最低收益保证。</span></section><p ><span style="color: rgb(0, 0, 0)">目前主要分为</span><span style="color: rgb(0, 0, 0)">年金保险（万能型）和终身寿险（万能型）两大类，</span></p><p ><span style="color: rgb(0, 0, 0)">本质上是一个理财账户，</span><span style="color: rgb(0, 0, 0)">有钱可以往里面存，想用钱了可以取出来用（进出存在手续费）。</span></p><p ><span style="color: rgb(0, 0, 0)">回报主要看保底利率和结算利率，保底利率多在1.75%-3%，结算利率通常≥保底利率。</span></p><section ><strong><span style="color: rgb(0, 122, 170)">2、增额寿</span></strong></section><section ><span style="text-align: left">增额终身寿大多是传统型寿险，当被保人身故或全残，赔付保险金，</span></section><section style="text-align: left"><span >不过要等出险才能拿钱的话，条件太过苛刻，</span></section><section style="text-align: left"><span >想做为储蓄工具，肯定不太适合。</span></section><section style="text-align: left"><span >增额寿的解决办法是通过<strong>高速增长</strong>（长期回报接近3.5%）的现金价值+<strong>灵活退出机制</strong>（减保或退保）来实现。</span></section><p style="text-align: left"><span >这就意味着可以拿它来作为长期规划资金、储蓄或养老的工具来用了。</span></p><section style="text-align: left"><span ><br /></span></section><section ><section style="text-align: center" powered-by="xiumi.us"><section ><section powered-by="xiumi.us"><section ><section style="color: rgb(139, 207, 224); text-align: justify" powered-by="xiumi.us"><p style="text-align: right"><strong>02</strong></p></section></section><section ><section style="text-align: left" powered-by="xiumi.us"><section ><svg viewbox="0 0 1 1" ></svg></section></section><section style="text-align: right" powered-by="xiumi.us"><section style="color: rgb(112, 139, 136)"><p><br /></p></section></section></section></section></section></section></section><section style="text-align: left"><span style="color: rgb(0, 0, 0); text-align: justify">两者看似平分秋色，但细品的话，差距还挺大。</span><br /></section><p ><span style="color: rgb(0, 122, 170)"><strong><span >1、收益有区别</span></strong></span></p><section ><span style="color: rgb(0, 0, 0)">最大的区别就体现在收益上了，<br /></span></section><section ><strong><span style="color: rgb(0, 122, 170)">万能账户</span></strong><span style="color: rgb(0, 0, 0)">的收益怎么看主要涉及</span><span style="color: rgb(0, 0, 0)"><strong><span >保底利率、结算利率</span></strong><span >这2个利率</span></span><span style="color: rgb(0, 0, 0)">：</span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FNGupRwr5hZCyBHB8ReyiaS2bibiajZ9kAKWfPXdL61k2X854UNXcmaGIxVROc8mMJVnianELHEQO5DicvnGEcdENqfQ%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/NGupRwr5hZCyBHB8ReyiaS2bibiajZ9kAKWfPXdL61k2X854UNXcmaGIxVROc8mMJVnianELHEQO5DicvnGEcdENqfQ/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><section ><strong><span >保底利率</span></strong><span >很重要，</span></section><section ><span >即合同规定的最低能拿的收益，写进条款，当前市面上<strong>最高为3%</strong>，其他有2.5%、2%、1.75%等常见保底利率；</span></section><section ><span ><strong >结算利率</strong>也很重要，</span></section><section ><span >是我们现在到手的收益，一般万能账户上线初期会大幅高于保底利率（如保底利率3%，结算利率5%），</span></section><section ><span >但结算利率是浮动的，每月公布一次，很多万能账户结算利率后期都会降至保底利率。</span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZCyBHB8ReyiaS2bibiajZ9kAKW8dH2ickH9qX0NvJp31GGajs9yeCicLicKTzicT8ErPKxSK7bzzgOQUpAVg%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZCyBHB8ReyiaS2bibiajZ9kAKW8dH2ickH9qX0NvJp31GGajs9yeCicLicKTzicT8ErPKxSK7bzzgOQUpAVg/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><p ><span ><span style="color: rgb(0, 0, 0)">我们经常能看到这样的演示表，</span><span style="color: rgb(0, 0, 0)">分低中高三档演示，</span></span></p><p ><span style="color: rgb(0, 0, 0)">低档即保底利率；</span></p><p ><span style="color: rgb(0, 0, 0)">中档一般和当前结算利率差不多；</span></p><p ><span style="color: rgb(0, 0, 0)">高档看看就行，正常拿不到。</span></p><p ><span style="color: rgb(0, 0, 0)">当然，也有部分万能账户结算利率下降特别快的，比中档演示都要差很多，这种只能看保底了。</span><br /></p><p ><span style="color: rgb(0, 0, 0)"><span style="color: rgb(0, 122, 170)"><strong>增额寿</strong></span><span >的保单利益是通过现金价值（即退保金）来体现的，</span></span></p><p ><span style="color: rgb(0, 0, 0)">增额寿的退保金每年都在增长，能拿到多少钱直接写进合同，受到法律保护。</span></p><p ><span style="color: rgb(0, 0, 0)">了解每年退保能拿多少钱的情况下，再根据持有时间就能计算出增额寿的内部收益率（IRR）了。</span></p><p ><span style="color: rgb(0, 0, 0)">但增额寿的内部收益率能到多少，这个得视产品而定，</span></p><p ><span style="color: rgb(0, 0, 0)"><span >好的产品复利能</span><strong>接近3.5%</strong>，</span><span >所以选好产品很重要~</span></p><p ><span >这样一对比就很清晰了，</span></p><p ><strong><span >增额寿是3.5%的固定回报，万能账户是“最高”保底3%+“可能”存在的浮动回报。</span></strong></p><p ><span style="color: rgb(0, 122, 170)"><strong><span >2、投保方式有区别</span></strong></span></p><p ><span >市面上绝大多数万能账户要么不能单独买（需要捆绑主险销售），</span></p><p ><span >要么能单独买，但在其他地方做手脚，</span><span >例如</span><span >追加额度限制1000元或1万这样</span><span >。</span></p><p ><span >其中捆绑销售是最离谱的，多数都是：好的万能账户搭配一份垃圾年金险或增额寿卖。</span></p><p ><span >然后宣传时大力突出万能账户多好，完全不提捆绑的产品收益咋样。<br /></span></p><p ><span >就保险公司前几年开门红的经典组合看，主险都是IRR只有1.x%的短期年金，反过来会拖累万能账户的回报。</span></p><p ><span ><strong><span >增额寿就不同了，是一个单独的险种，没啥限制可以直接投保。</span></strong></span></p><p ><span >一般是满足最低的投保门槛就可以投保了，选择缴费期（趸交和期交）和保费，按照约定在固定的年限缴纳完保费。</span></p><p ><span ><strong><span style="color: rgb(0, 122, 170)">3、存取费用有区别</span></strong><span ><br /></span></span></p><p ><span style="color: rgb(0, 0, 0)">万能账户可以选择<strong>趸交、转入或追加</strong>的方式往账户里面放钱，</span></p><p ><span style="color: rgb(0, 0, 0)">但是都要收取一定的初始手续费，扣取的范围一般是1%~5%。</span></p><p ><span style="color: rgb(0, 0, 0)">退保或部分领取也会收取费用，一般的设置是前5年退保或者部分领取扣取一定比例的手续费。<br /></span></p><p ><span style="color: rgb(0, 0, 0)">例如市面上某款增额寿：<br /></span></p><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FNGupRwr5hZCyBHB8ReyiaS2bibiajZ9kAKWicn7y9W5SwguBrcLPHlHHyABcLeL281pPuSs3lgGMdZaIqnWRvMZK3g%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/NGupRwr5hZCyBHB8ReyiaS2bibiajZ9kAKWicn7y9W5SwguBrcLPHlHHyABcLeL281pPuSs3lgGMdZaIqnWRvMZK3g/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><section ><span style="color: rgb(0, 0, 0)">一般是第6年以后就不再收取，扣除的比例是依次递减的。</span></section><section ><span ><strong><span style="color: rgb(0, 0, 0)">增额寿则大相径庭，</span></strong></span></section><section ><span style="color: rgb(0, 0, 0)">可以通过减保或退保领取部分或全部的现金价值，无需缴纳手续费，这相较于万能账户不仅成本低了，而且规则也简单多了！</span></section><section ><span style="color: rgb(0, 122, 170)"><strong><span >4、灵活性有区别</span></strong></span></section><p ><span style="color: rgb(0, 0, 0)">两者都很灵活，万能账户略胜一筹。</span></p><p ><span style="color: rgb(0, 0, 0)">这是因为万能账户不仅可以灵活取用，还能向账户<strong>追加</strong>投入（能加多少要看保险公司政策）。</span></p><p ><span style="color: rgb(0, 0, 0)">而增额寿，由于监管限制，市面绝大多数增额寿都不给加保了。</span></p><p ><span style="color: rgb(0, 0, 0)">简单说就是，能取不能存，增额寿在这块确实差一些。</span></p><section ><span style="color: rgb(0, 0, 0)">另外有一点要注意的是增额寿有封闭期，也就是这段时间内现金价值没有超过已交保费，期间要用钱的话肯定会有所亏损。</span></section><p ><span style="color: rgb(0, 0, 0)">万能账户没有封闭期的说法，但由于减保/退保手续费的存在，事实上前几年也是不建议用的。<br /></span></p><p ><br /></p><section ><section style="text-align: center" powered-by="xiumi.us"><section ><section powered-by="xiumi.us"><section ><section style="color: rgb(139, 207, 224); text-align: justify" powered-by="xiumi.us"><p style="text-align: right"><strong>03<br /></strong></p></section></section><section ><section style="text-align: left" powered-by="xiumi.us"><section ><svg viewbox="0 0 1 1" ></svg></section></section><section style="text-align: right" powered-by="xiumi.us"><section style="color: rgb(112, 139, 136)"><p><br /></p></section></section></section></section></section></section></section><section ><span >为了让大家了解的更加清楚，再来简单举个例子。</span></section><section ><span >市面上某款回报接近3.5%增额寿产品A款，和另一款保底2.5%、当前结算4%的万能账户B款。</span></section><section ><span >将两者的收益对比一下，</span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZAwzUy9wlTw4eKkFBKmf3h0ibGDb6KvastCleTnSqdsKjcp5ibVQ2Dznz4cV6ic3cLVm1ibwbdQQM7whQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZAwzUy9wlTw4eKkFBKmf3h0ibGDb6KvastCleTnSqdsKjcp5ibVQ2Dznz4cV6ic3cLVm1ibwbdQQM7whQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZAwzUy9wlTw4eKkFBKmf3h0kHs3uaH0M3RdtVWlHhwe5q2IKaRwvV4b7Z2ymqzMwe1RENVhxYF1Ww%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZAwzUy9wlTw4eKkFBKmf3h0kHs3uaH0M3RdtVWlHhwe5q2IKaRwvV4b7Z2ymqzMwe1RENVhxYF1Ww/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><p ><span >由于万能账户的利率不确定，</span></p><p ><span >我们分别选了<strong>保底2.5%、中档3.5%</strong>和<strong>高档4.5%</strong>测算一下现金价值。</span></p><p ><span >显而易见，</span></p><p ><span >要是万能账户能一直维持4%以上的结算利率，比增额寿要强太多了。</span></p><p ><span >按3.5%算，和增额寿的差距就很小了，并且这也不是确定的。</span></p><p ><span >只有保底利率（2.5%）才是唯一确定能拿的！</span></p><p ><span >即便现在结算利率较高，能持续多久，这个问题谁也没有答案。</span></p><p ><span >毕竟万能账户的钱，保险公司也是要拿去投资的，</span></p><p ><span >在利率下行的大环境中，结算利率势必会受到影响。</span><span style="text-align: center"></span></p><section ><section powered-by="xiumi.us"><section ><section powered-by="xiumi.us"><section ><section powered-by="xiumi.us"><section style="text-align: left"><section ><section style="text-align: center" powered-by="xiumi.us"><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FNGupRwr5hZAhbTWpICExjhdprocyH0ckDUibf2yRbpIb9AMXqXiat2H0DxIRXzW0FV5ibf5qgfEteFdAe3aG9NtHg%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/NGupRwr5hZAhbTWpICExjhdprocyH0ckDUibf2yRbpIb9AMXqXiat2H0DxIRXzW0FV5ibf5qgfEteFdAe3aG9NtHg/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section></section></section><section ><section style="text-align: center" powered-by="xiumi.us"><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FNGupRwr5hZAhbTWpICExjhdprocyH0ckuvXfnibVQY1zaxSYKP7ggcJiaKR9wyruOfDhNeO1v6CzW4XPzibCYevZA%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/NGupRwr5hZAhbTWpICExjhdprocyH0ckuvXfnibVQY1zaxSYKP7ggcJiaKR9wyruOfDhNeO1v6CzW4XPzibCYevZA/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section></section></section></section></section></section></section><section powered-by="xiumi.us"><section ><section powered-by="xiumi.us"><section style="text-align: left"><section ><section style="text-align: center" powered-by="xiumi.us"><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FNGupRwr5hZAhbTWpICExjhdprocyH0ckYp38icv1eSu72Df9k3hs5q6gE6NuRicYTDH5uzZRJ1E57mz6BUibicVWOg%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/NGupRwr5hZAhbTWpICExjhdprocyH0ckYp38icv1eSu72Df9k3hs5q6gE6NuRicYTDH5uzZRJ1E57mz6BUibicVWOg/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section></section></section><section ><section style="text-align: center" powered-by="xiumi.us"><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FNGupRwr5hZAhbTWpICExjhdprocyH0ckUTkjg0TwBGlx8tCEDN9VaGfSVh2ibFJNnIicLoo40qbibJeIIajicmRPJQ%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/NGupRwr5hZAhbTWpICExjhdprocyH0ckUTkjg0TwBGlx8tCEDN9VaGfSVh2ibFJNnIicLoo40qbibJeIIajicmRPJQ/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section></section></section></section></section></section></section><section powered-by="xiumi.us"><section ><section powered-by="xiumi.us"><section style="text-align: left"><section ><svg viewbox="0 0 1 1" ></svg></section><section ><svg viewbox="0 0 1 1" ></svg></section></section></section></section></section></section></section><section style="text-align: center" powered-by="xiumi.us"><section ><section powered-by="xiumi.us"><section style="color: rgb(139, 207, 224)"><p><span > <span >左右滑动，查看更多</span> </span></p></section></section></section></section></section><section ><span >大家可以去各大保险公司官网查查，几乎全是只降不涨。</span></section><section ><span >去年这时候，有款很出名的万能账户上线，保底利率3%，<span >结算利率高达4.8%！</span></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZCOR0icJkLibB2r8VmC1CuUgCzM0ttbpmmicnDV4737Q1zT7RZ0VjyZyxyVA2tLeZwLVCepiauSCztECw%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZCOR0icJkLibB2r8VmC1CuUgCzM0ttbpmmicnDV4737Q1zT7RZ0VjyZyxyVA2tLeZwLVCepiauSCztECw/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><span >结果仅1年，就降到3.5%了，这样的产品谁敢保证未来10年或20年的高结算利率。</span></section><p ><span >要是回归保底利率3%，这跟现金价值写进合同的3.5%增额寿在收益上就没法比了！</span></p><p ><span ><br /></span></p><section ><section style="text-align: center" powered-by="xiumi.us"><section ><section powered-by="xiumi.us"><section ><section style="color: rgb(139, 207, 224); text-align: justify" powered-by="xiumi.us"><p style="text-align: right"><strong>04<br /></strong></p></section></section><section ><section style="text-align: left" powered-by="xiumi.us"><section ><svg viewbox="0 0 1 1" ></svg></section></section><section style="text-align: right" powered-by="xiumi.us"><section style="color: rgb(112, 139, 136)"><p><br /></p></section></section></section></section></section></section></section><section ><span >最后再来聊聊“增额寿和万能账户怎么选”的问题。</span></section><section ><span style="color: rgb(0, 0, 0)"><strong><span >目前建议是，长期规划的话，主要资金放在增额寿中更加合适一些，毕竟保单确定利益要高出不少。</span></strong></span></section><section ><span style="color: rgb(0, 0, 0)"><strong><span >对于万能账户，灵活性比较强，也有保底利率，</span></strong></span><strong style="color: rgb(0, 0, 0)">可以用于短期打理闲钱，当做“余额宝”来用。</strong></section><section ><span >当然，投保万能账户前提一定是：主险收益要过得去。</span></section><section ><span >例如选择增额寿为主险的，最起码不能比第一梯队产品低太多吧，</span></section><section ><span >同样持有20年，有产品能到3.4%，有产品3%都到不了，后者加再好的万能账户又能好到哪里去？</span></section><section ><span >买万能，不像买普通产品考虑自身就行，尤其对于捆绑销售类型，一定要慎重考虑了~</span></section><section ><strong >有其他疑问，欢迎扫描下方二维码添加专属的规划老师，免费咨询~</strong><br /></section><section ><span ><br /></span></section><section ><strong><span >往期阅读回顾：</span></strong></section><p ><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247496582&idx=1&sn=7f0c0cad3d8bb7937a0f18623b2e49a2&chksm=cfb61006f8c199103b2ecb32be46badaa5953763fe5cc366cdb4c16d6428e56d0b4a1a7441bd&scene=21#wechat_redirect" textvalue="100%搞懂买对「增额终身寿」，就这5点！" linktype="text" imgurl="" imgdata="null" tab="innerlink">100%搞懂买对「增额终身寿」，就这5点！</a><br /></span></p><p ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247496994&idx=1&sn=534e684f7f6904c01a08c5e1ac1fd9f8&chksm=cfb616a2f8c19fb4cba80ea45bd6e3338eb03154db5a3336f4dfc1da47198670b6f19a9fcb1d&scene=21#wechat_redirect" textvalue="增额终身寿和年金险，选哪个？" linktype="text" imgurl="" imgdata="null" tab="innerlink" ><span >增额终身寿和年金险，选哪个？</span></a><br /></p><p ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247496958&idx=1&sn=806483154d5d19991e529821db8155bc&chksm=cfb6177ef8c19e6820d54699e8fee968a2723a00b0d4208ce32bcdc431759dbf66d27215e8a6&scene=21#wechat_redirect" textvalue="增额寿的回报率，误导销售的重灾区" linktype="text" imgurl="" imgdata="null" tab="innerlink" ><span >增额寿的回报率，误导销售的重灾区</span></a></p><p ><br /></p><section ><section style="text-align: left" powered-by="xiumi.us"><section ><section style="text-align: justify" powered-by="xiumi.us"><section ><section powered-by="xiumi.us"><section ><svg viewbox="0 0 1 1" ></svg></section></section></section><section ><section powered-by="xiumi.us"><section style="color: rgb(139, 207, 224)"><p>END</p></section></section></section><section ><section powered-by="xiumi.us"><section ><svg viewbox="0 0 1 1" ></svg></section></section></section></section></section></section></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FO95eeDepqTO1KmSN6nDROWblhVFxxYXzKuynrkK6HnMe0ichpzQyyQr6Wnic6m0udMzOsG4pr5G5uH1r2Rg0QmWg%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/O95eeDepqTO1KmSN6nDROWblhVFxxYXzKuynrkK6HnMe0ichpzQyyQr6Wnic6m0udMzOsG4pr5G5uH1r2Rg0QmWg/640?wx_fmt=gif" alt="懂保爷测评配图" loading="lazy" /></section><p ></mp-style-type></p>
