趸交5万起投！中英福满佳C款卓越版，低预算也能上车了！

低预算友好！

作者：丽丽 · 发布于 2026-09-14 · 约 6 分钟读完

<section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvRMRQ8Ot4BB9nrCw1EicbYY3lJMPC5n8NEwOm04yG4OtkRLNkOJZSCeey71IM1UpXswicff1otoiaAJg%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26tp%3Dwebp%23imgIndex%3D0" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvRMRQ8Ot4BB9nrCw1EicbYY3lJMPC5n8NEwOm04yG4OtkRLNkOJZSCeey71IM1UpXswicff1otoiaAJg/640?wx_fmt=png&from=appmsg&wxfrom=5&wx_lazy=1&tp=webp#imgIndex=0" alt="懂保爷测评配图" loading="lazy" /></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span style="color: rgba(0, 0, 0, 0.9)"><span text >Hey，大家好，我是懂保爷资深产品测评师丽丽～</span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span style="color: rgba(0, 0, 0, 0.9)"><span text >跟大家说个好消息：</span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span style="color: rgba(0, 0, 0, 0.9)"><span text >中英人寿的福满佳C款（卓越版），投保门槛大幅下调了！</span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span style="color: rgba(0, 0, 0, 0.9)"><span text >趸交门槛，从最开始的30万，到后面20万，</span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span style="color: rgba(0, 0, 0, 0.9)"><span text >现在调整后，</span></span></span><strong><span><span text >直接降到</span></span><span style="color: rgb(235, 201, 0)"><span><span text >5万</span></span></span></strong><span><span text >。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >趸交5万就能上车，是什么概念？</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >这么说吧，这款产品之前收益虽然很能打，但30万的趸交门槛，确实把不少来咨询的朋友挡在了门外。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >现在降到5万，相当于</span></span><strong><span><span text >一笔普通家庭的闲置资金就能配置</span></span></strong><span><span text >，门槛这关基本算是迈过去了。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >那还值不值得买呢？</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >之前我对这款产品做过一次详细测评，指路：</span><a target="_blank" href="https://mp.weixin.qq.com/s?__biz=Mzg5Njk3MTA5Mg==&amp;mid=2247504290&amp;idx=1&amp;sn=5497c3a8ee4b0dc5ed7b9dcc18fadeb4&amp;scene=21#wechat_redirect" textvalue="长期收益突破3%，中英人寿的福满佳C款（卓越版）能不能买？" linktype="text"><span text >长期收益突破3%，中英人寿的福满佳C款（卓越版）能不能买？</span></a></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >不过那会儿对比的还是华瑞金生2026、一生中意（盛享版）那一批产品，这个月市场上又上线了几款新品，对比数据已经过时了。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >所以今天，我把它跟当前市场上最热门的几款分红增额寿再放一起比一次，看看它还能不能打。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><br /></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(64, 34, 15)">一</span></span><span><span text style="color: rgb(64, 34, 15)">&nbsp;</span></span><span ><span><br /></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span><span text >先看含分红收益：</span></span></span><span ><span><span text >前期不冒尖，越往后越能打</span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span><span text >老规矩，统一按0岁男孩、趸交100万测算。&nbsp;</span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span><span text >这次同台的都是最近热度最高、第一梯队的几款：</span><span text >太保的康乾10号、新华的增多多10号、陆家嘴国泰的泰赢家2.0，还有中意的一生中意（盛享版）和永续我爱（睿享版）</span><span text >。</span></span></span></section><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXNIAH7uFxI0fuGslJ2d2zWhHlr207iboeZkh8pEDHeB6gCcnMYDE51zafwBW9sic7an7w8QrBUia674sIVqicLiaVfNyDXFn4wS8hmI%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXNIAH7uFxI0fuGslJ2d2zWhHlr207iboeZkh8pEDHeB6gCcnMYDE51zafwBW9sic7an7w8QrBUia674sIVqicLiaVfNyDXFn4wS8hmI/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgba(0, 0, 0, 0.9); text-align: center"><span><span><span text style="color: rgb(136, 136, 136)">（金额大小：红色&gt;黄色&gt;蓝色）</span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span><span text >先看回本时间：</span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span><span text >福满佳C款（卓越版）</span></span></span><strong><span><span text >第5年预期回本</span></span></strong><span><span text >，现价107.79万。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >说实话不算快，增多多10号第3年就回本了，康乾10号第4年，剩下几款基本也都是第5年。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >10年的短周期看，福满佳C款（卓越版）排在靠后的位置，跟第一名康乾10号差了</span><span text style="color: rgb(235, 201, 0)">3.77万</span><span text >。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >到了30年，福满佳C款（卓越版）跟第一名的差距，</span><span text style="color: rgb(235, 201, 0)">不到6万</span><span text >，并不大。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >这个结果我之前就讲过：</span></span><strong><span><span text >它前期不算突出，但也不差，依旧是第一梯队的水平。</span></span></strong></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span ><span text >重点来了，保单第50年：</span></span></strong></section><ul ><li ><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span ><span text >康乾10号：413.94万</span></span></strong></section></li><li ><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span ><span text >福满佳C款（卓越版）：413.68万</span></span></strong></section></li><li ><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span ><span text >永续我爱（睿享版）：413.04万</span></span></strong></section></li><li ><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span ><span text >增多多10号：410.61万</span></span></strong></section></li><li ><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span ><span text >泰赢家2.0：405.68万</span></span></strong></section></li><li ><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span ><span text >一生中意（盛享版）：400.52万</span></span></strong></section></li></ul><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span ><span text >第50年，福满佳C款（卓越版）追到只差0.26万，</span><span text >基本打平</span></span></strong><span><span text >。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >到保单第51年，483万对479万，</span></span><strong><span><span text >反超</span></span></strong><span><span text >。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >再往后，</span></span><strong><span ><span text >福满佳C款（卓越版）</span></span></strong><span><span text >优势一路放大：</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >第60年，</span></span><span style="color: rgb(235, 201, 0)"><span><span text >565.86万</span></span></span><span><span text >，领先康乾10号近11万；</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >第80年，</span></span><span style="color: rgb(235, 201, 0)"><span><span text >1075.63万</span></span></span><span><span text >，领先近80万；</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >第100年，</span></span><span style="color: rgb(235, 201, 0)"><span><span text >2175.26万，领先整整382万</span></span></span><span><span text >，此时含分红IRR达到</span></span><span style="color: rgb(235, 201, 0)"><span><span text >3.13%</span></span></span><span><span text >，而康乾10号是2.93%。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >后期优势真的非常大......</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >那么</span></span><strong><span ><span text >福满佳C款（卓越版）</span></span></strong><span><span text >为什么前期不冒尖，后期反而登顶？</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >核心就在它的分红设计：</span></span><strong><span><span text >增额红利+终了红利</span></span></strong><span><span text >。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >相比单纯依靠增额红利的产品，它多了一层终了红利的收益来源。</span></span></section><section style="text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXNicf6uhxuwTMLs9DsXquR2zAXQkeuVdcTYp2CNs3vn52P4GVH4C3Y08DMzKRxQkF2SKzJtA6Dgic99haahpuRlzFN3hCL7CFcuM%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXNicf6uhxuwTMLs9DsXquR2zAXQkeuVdcTYp2CNs3vn52P4GVH4C3Y08DMzKRxQkF2SKzJtA6Dgic99haahpuRlzFN3hCL7CFcuM/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >简单理解，</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >增额红利像是“每年积累的小步增长”，</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >而终了红利，它像是“长期持有后的额外奖励”，</span><span text >持有时间越长，终了红利的累积效果就会越明显，这就是它后期持续反超的原因。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><br /></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(64, 34, 15)">二</span></span><span><span text style="color: rgb(64, 34, 15)">&nbsp;</span></span><span ><span><br /></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span><span text >保证利益怎么样？</span></span></span><span ><span><span text >不占优，但差距不大</span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span><span text >分红险的收益分两部分：保证的，和分红的。</span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span><span text >上面看的是含分红的预期水平，接着看保证部分。</span></span></span></section><section style="text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXOLqQyxsKq8gtnRP9Aow6tFia3kicXG6wiagFnEycIZXFzqPCOcTov39pemMyE5jXhs7GOUFVKYcqfOScXLUyqfC59lM9k01Du8OY%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXOLqQyxsKq8gtnRP9Aow6tFia3kicXG6wiagFnEycIZXFzqPCOcTov39pemMyE5jXhs7GOUFVKYcqfOScXLUyqfC59lM9k01Du8OY/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span><span text >福满佳C款（卓越版）</span></span></span><strong><span><span text >第5年保证现价102万，保证回本</span></span></strong><span><span text >。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >拉个节点对比：</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >保单第30年，保证现价157.3万，同期康乾10号是160.8万，增多多10号是159.5万。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >差距在2万到3.5万之间，也不大。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >所以保证利益这块，我得跟大家说实话：</span></span><strong><span><span text >福满佳C款（卓越版）没有明显优势，但也不差，长期能到1.68%</span></span></strong><span><span text >。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >总之呢，</span></span><strong style="color:rgba(0, 0, 0, 0.9); text-align:justify"><span><span text >福满佳C款（卓越版）的最大优势就在</span><span text >长期持有后的分红表现，越</span></span></strong><strong style="color:rgba(0, 0, 0, 0.9); text-align:justify"><span><span text >往后越猛</span><span text >。</span></span></strong></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >当然，还是那句老话：</span></span><strong><span><span text >分红是不保证的</span></span></strong><span><span text >，未来的分红能兑现多少，考验的是保险公司的实力。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><br /></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >三</span></span><span><span text >&nbsp;</span></span><span ><span><br /></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span><span text >中英人寿，</span></span></span><span ><span><span text >能不能撑起这个分红？</span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span><span text >中英人寿成立于2003年，是一家中外合资保险公司，背后的股东，简单来说就是两个字：</span></span></span><strong><span><span text >硬核</span></span></strong><span><span text >。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >中方股东</span></span><strong><span><span text >中粮集团</span></span></strong><span><span text >，国务院直属大型央企，世界500强，大家熟悉的蒙牛、福临门、中茶、大悦城都来自中粮旗下。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >外方股东</span></span><strong><span><span text >英杰华集团</span></span></strong><span><span text >，成立于1696年，300多年保险经营历史，英国NO.1的保险集团，在分红险经营、长期资产配置和风险管理上经验非常丰富。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >一个负责稳定，一个负责专业。</span></span></section><section style="text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXMPelqbgpTkNXRunvSrCCBHmv7A46uyFY9BFSCDzxUGQUEfIPNy53ONwicDtKEZyH3YbD2ulLzweJoHRMmdQibukDqvP8PF6ueZU%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXMPelqbgpTkNXRunvSrCCBHmv7A46uyFY9BFSCDzxUGQUEfIPNy53ONwicDtKEZyH3YbD2ulLzweJoHRMmdQibukDqvP8PF6ueZU/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >偿付能力，</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >中英人寿综合偿付能力充足率</span></span><span style="color: rgb(235, 201, 0)"><span><span text >275.63%</span></span></span><span><span text >，核心偿付能力充足率</span></span><span style="color: rgb(235, 201, 0)"><span><span text >192.95%</span></span></span><span><span text >，远超监管要求，在这几家保司里也是最高的。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >风险评级，</span></span><span style="color: rgb(235, 201, 0)"><span><span text >AAA</span></span></span><span><span text >，监管最高评级，中英已经连续拿到12次。</span></span></section><section style="text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXPTMD9vp9JIDyK3Vxhaic3JYUPYI0h3LjtKBJF2pPedyPf4oVrktIBErewDkRxTF4m2gG2I3quQlSx8kPBQyRaKItvms67uhW7U%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXPTMD9vp9JIDyK3Vxhaic3JYUPYI0h3LjtKBJF2pPedyPf4oVrktIBErewDkRxTF4m2gG2I3quQlSx8kPBQyRaKItvms67uhW7U/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >投资能力，</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >近三年平均投资收益率</span></span><span style="color: rgb(235, 201, 0)"><span><span text >5.40%</span></span></span><span><span text >，综合投资回报率</span></span><span style="color: rgb(235, 201, 0)"><span><span text >8.06%</span></span></span><span><span text >，同样是几家里最高的。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >最后看大家最关心的分红实现率：</span></span></section><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXNxm3dEHfuwUsSqVe2jw1mdGcUP8hOYrtUeZ9Iibsic1Gej4CgBmkYBLLbaYuz7kjia8Wp3mr5bqK1opk8wjFe2K7LtFakKicm2iaKs%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXNxm3dEHfuwUsSqVe2jw1mdGcUP8hOYrtUeZ9Iibsic1Gej4CgBmkYBLLbaYuz7kjia8Wp3mr5bqK1opk8wjFe2K7LtFakKicm2iaKs/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >限高之前，中英基本100%达成；</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >近3年受限高和市场环境影响有所回落，但大部分产品还在70%以上，不少产品依旧100%及以上达成，还是很不错的。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >当然，历史表现不代表未来，</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >但股东、经营、分红三块放在一起看，中英人寿的分红能力，是完全可以信赖的~</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><br /></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >四</span></span><span><span text >&nbsp;</span></span><span ><span><br /></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span><span text >总结一下</span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span><span text >回到开头我说的：</span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span><span text >趸交门槛从30万降到</span></span></span><strong><span style="color: rgb(235, 201, 0)"><span><span text >5万</span></span></span></strong><span><span text >，</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >福满佳C款（卓越版）这次真的是把上车的门彻底打开了。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >加上产品本身保证利益不落后，</span><span text >长线预期收益能在热门产品里登顶</span><span text >，背后还有中粮+英杰华这样的股东组合，分红能力有支撑。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >所以非常建议大家重点看一下这款产品，尤其是手里有一笔</span></span><strong><span><span text >5年以上、最好10年以上不用的闲置资金</span></span></strong><span><span text >，想求稳、又想搏一点更高收益的朋友。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >如果你拿不准这笔钱适不适合放进来，或者想按自己的预算做一份详细测算，</span></span><strong><span><span text >扫下方二维码加我</span></span></strong><span><span text >，我帮你结合资金规划、使用时间，出一份专属方案~</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><br /></span></section><section nodeleaf="" style="color: rgba(0, 0, 0, 0.9); text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXMHvbdnsxla2hGibyib9vLmbn2UFQmVCycFXqC7njJuXo6NFCeN0YiaU4NhibJ9PDraauHN58NbMvpvOORJMibvhy7f7HduOxwicIOJM%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26tp%3Dwebp%23imgIndex%3D7" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXMHvbdnsxla2hGibyib9vLmbn2UFQmVCycFXqC7njJuXo6NFCeN0YiaU4NhibJ9PDraauHN58NbMvpvOORJMibvhy7f7HduOxwicIOJM/640?wx_fmt=png&from=appmsg&wxfrom=5&wx_lazy=1&tp=webp#imgIndex=7" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><br /></span></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >另外，我打包了我们认为从0到1理解保险，打破信息差，我们每个人需要全面知道的四项内容给大家：</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >第1-市场上最热的</span></span><span ><span text >「分红增额寿」</span></span><span ><span text >产品测评表</span></span></p><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXN5yA2HETEBQeBrY3YoEHr6cQiaMND0OUfZHVkicGCfOEchKBEqV76peVGtBm425P8oyTMn9JRWlHchFO6rWt19ejliaUcoJlqQKs%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXN5yA2HETEBQeBrY3YoEHr6cQiaMND0OUfZHVkicGCfOEchKBEqV76peVGtBm425P8oyTMn9JRWlHchFO6rWt19ejliaUcoJlqQKs/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >第2-最新更新的2类7大保险榜单</span></span></p><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXM5TUgts9fISXYNSeZFYePlmDpFhsEF2RWLoFrhL6FlcbvVsibGsicTiarwz2Qg4D8C02QNuOpHAICqRcDuZrBN5LjDibpb5jicmjNQ%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXM5TUgts9fISXYNSeZFYePlmDpFhsEF2RWLoFrhL6FlcbvVsibGsicTiarwz2Qg4D8C02QNuOpHAICqRcDuZrBN5LjDibpb5jicmjNQ/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >第3-我们懂保爷首创的极简养老规划指南</span></span></p><section nodeleaf="" 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%2FiaZHDj9icvRXOXQ1Zl2Yuer2Z4BXzfKnYhibboZbibfWyT6S4xkYjEOpkQQrNQkWnEwibsjmlKqfticTcH0aLia4sG9N8XR7f8gcgXiadGULWyPdoJU%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26tp%3Dwebp%23imgIndex%3D10" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXOXQ1Zl2Yuer2Z4BXzfKnYhibboZbibfWyT6S4xkYjEOpkQQrNQkWnEwibsjmlKqfticTcH0aLia4sG9N8XR7f8gcgXiadGULWyPdoJU/640?wx_fmt=png&from=appmsg&wxfrom=5&wx_lazy=1&tp=webp#imgIndex=10" alt="懂保爷测评配图" loading="lazy" /></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >第4-每个家庭到底要买什么保险1对1深度讲解</span></span></p><section nodeleaf="" style="color: rgba(0, 0, 0, 0.9); text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXNu3bgDO3x3AHV75XAZNBtu6Akyu5EG92v4slIAE4F1w0Pf61Am2HEsY1uKzCQZYfRV42QgFJrByIVNX3DyK2pnvN1z55ibpILA%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26tp%3Dwebp%23imgIndex%3D11" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXNu3bgDO3x3AHV75XAZNBtu6Akyu5EG92v4slIAE4F1w0Pf61Am2HEsY1uKzCQZYfRV42QgFJrByIVNX3DyK2pnvN1z55ibpILA/640?wx_fmt=png&from=appmsg&wxfrom=5&wx_lazy=1&tp=webp#imgIndex=11" alt="懂保爷测评配图" loading="lazy" /></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >扫码就能领取，我们一一发给大家。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><br /></span></p><section nodeleaf="" style="color: rgba(0, 0, 0, 0.9); text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXOiciaKOQNW6lr0g6ibibFtmcnqPzGgBzHLIh6hz1uTiarcEYZKBvwGzrBGgfzwEtiawGRBeS9t2nfGb6AT4cibuu64dPLcmKbByKuva4%2F640%3Fwx_fmt%3Dother%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26tp%3Dwebp%23imgIndex%3D9" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXOiciaKOQNW6lr0g6ibibFtmcnqPzGgBzHLIh6hz1uTiarcEYZKBvwGzrBGgfzwEtiawGRBeS9t2nfGb6AT4cibuu64dPLcmKbByKuva4/640?wx_fmt=other&from=appmsg&wxfrom=5&wx_lazy=1&tp=webp#imgIndex=9" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><br /></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span >有空的话，前面几篇重要文章可能也值得一看：</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><a target="_blank" href="https://mp.weixin.qq.com/s?__biz=Mzg5Njk3MTA5Mg==&amp;mid=2247505274&amp;idx=1&amp;sn=f804af9e10160eab72488b38ce82d88c&amp;scene=21#wechat_redirect" textvalue="老牌大保司泰康，没打过复星保德信星海赢家青鸾版？" linktype="text">老牌大保司泰康，没打过复星保德信星海赢家青鸾版？</a></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><a target="_blank" style="color: rgb(87, 107, 149)" href="https://mp.weixin.qq.com/s?__biz=Mzg5Njk3MTA5Mg==&amp;mid=2247505236&amp;idx=1&amp;sn=7c9d6d7f1bf8a3b2fd1d4cb830470267&amp;scene=21#wechat_redirect" textvalue="太保新品康乾10号来了！同为“老七家”，增多多10号终于遇到对手了" linktype="text">太保新品康乾10号来了！同为“老七家”，增多多10号终于遇到对手了</a></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><a target="_blank" style="color: rgb(87, 107, 149)" href="https://mp.weixin.qq.com/s?__biz=Mzg5Njk3MTA5Mg==&amp;mid=2247505180&amp;idx=1&amp;sn=04db0249572c0f055ef4d4d1c67e19fd&amp;scene=21#wechat_redirect" textvalue="930年金停售倒计时：复星保德信星海赢家火凤/青鸾/朱雀/玄武和星颐3.0，5款年金怎么选？" linktype="text">930年金停售倒计时：复星保德信星海赢家火凤/青鸾/朱雀/玄武和星颐3.0，5款年金怎么选？</a></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><a target="_blank" style="color: rgb(87, 107, 149)" href="https://mp.weixin.qq.com/s?__biz=Mzg5Njk3MTA5Mg==&amp;mid=2247505142&amp;idx=1&amp;sn=8aec626f92f0576ea5d5fca05e2663a8&amp;scene=21#wechat_redirect" textvalue="老产品9月30日停售！新生命表要落地，养老年金必须速买！" linktype="text">老产品9月30日停售！新生命表要落地，养老年金必须速买！</a></span></span></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><br /></span></p><section nodeleaf="" style="color: rgba(0, 0, 0, 0.9); text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXMuCG3QMkhibRZyYrxY3D1qCrhYjchQgeKSAQiarDj9G5VG8jBBSLRV3uf3vAibWm3O63icKn9bz8kTIibEQbTNtdbCUdUv3umOAgr4%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26tp%3Dwebp%23imgIndex%3D3" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXMuCG3QMkhibRZyYrxY3D1qCrhYjchQgeKSAQiarDj9G5VG8jBBSLRV3uf3vAibWm3O63icKn9bz8kTIibEQbTNtdbCUdUv3umOAgr4/640?wx_fmt=png&from=appmsg&wxfrom=5&wx_lazy=1&tp=webp#imgIndex=3" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><br /></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: left"><span ><span text >点击“阅读原文”进入「保险商城」</span></span></section><p ></mp-style-type></p>

本文为懂保爷原创保险知识科普，不构成投保建议。具体保险责任与理赔条件以保险公司正式条款和保险合同为准。

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