增额寿排行榜更新，推荐买这款

<section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZB4VKQFhDFRDyvm5NRvQkCGkFyPFZWbfrTgqqFyvQ3mj0j9pkQnhTEzsoMzaeSTWngjtMXNHkxiaSg%2F640%3Fwx_fmt%3Dother" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZB4VKQFhDFRDyvm5NRvQkCGkFyPFZWbfrTgqqFyvQ3mj0j9pkQnhTEzsoMzaeSTWngjtMXNHkxiaSg/640?wx_fmt=other" alt="懂保爷测评配图" loading="lazy" /></section><section ><span >通货膨胀和激烈的就业形势影响下，<br /></span></section><section ><span >储蓄是普通人应对冲击的最好方式。</span><o:p></o:p></section><section ><span >伴随存款利率的持续下行，</span><o:p></o:p></section><section ><span >可以锁定长期利率的增额寿得到储户青睐。</span><o:p></o:p></section><section ><span >增额寿分为<strong>固收增额寿</strong>、<strong>分红增额寿</strong>，</span><o:p></o:p></section><section ><span ><strong><span >前者回报固定，后者回报由"保证+分红"部分构成，</span></strong></span><o:p></o:p></section><section ><span >差别就在于分红增额寿多了浮动的分红利益。</span><o:p></o:p></section><section ><span >今天将现阶段固收、分红增额寿产品排行汇总，尚未投保的朋友可以做个参考。</span><o:p></o:p></section><section ><span style="color: rgb(33, 86, 104)"><strong>一、</strong><br /></span></section><section ><span >首先看固收型增额寿，</span><o:p></o:p></section><section ><span ><strong><span >固收增额寿利益白纸黑字写进合同，长期可以锁定3%的预定利率。</span></strong></span><o:p></o:p></section><section ><span >以10岁男孩，总交30万保费为例，分别对比增额寿们的现金价值。</span><o:p></o:p></section><section ><span ><em><span >注：增额终身寿的「现金价值」就是退保当年能拿回的钱，也是减保取现的来源。</span></em></span><o:p></o:p></section><section ><span style="color: rgb(33, 86, 103)"><strong><span style="color: rgb(33, 86, 103)">1.趸交</span></strong></span><o:p></o:p></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZBibJg03RPnfZMNYfFtXLzDsE5rT9QhdjnnUVdrhCvAbgPECJloFTWdFj3VtwKSgTxNma4ODbfIO3Q%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZBibJg03RPnfZMNYfFtXLzDsE5rT9QhdjnnUVdrhCvAbgPECJloFTWdFj3VtwKSgTxNma4ODbfIO3Q/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section ><span >一次交清的情况下，</span><o:p></o:p></section><section ><span >top3：<strong>传世金尊A款&gt;鑫玺越&gt;星盈家（虎啸版）</strong>。</span><o:p></o:p></section><section ><span ><strong><span >传世金尊A款</span></strong><span >最为出众，封闭期仅4年，持有全过程现金价值保持前三。</span></span><o:p></o:p></section><section ><span >持有第8年IRR2.7%，折合单利就突破了3.0%。</span><o:p></o:p></section><section ><span ><strong><span >鑫玺越</span></strong><span >、<strong>星盈家（虎啸版）</strong>紧随其后，这两款在数据上十分接近。</span></span><o:p></o:p></section><section ><span >投入30万，都在持有第25年保费翻倍，两者现金价值只差一千，传世金尊A款优势较大，领先他两达6-7千。</span><o:p></o:p></section><section ><span >再往后回报不错的还有：<strong>乐享年年（焕新版）、岁享金生（焕新版）、平型关、山海关（龙腾版）</strong>等。</span><o:p></o:p></section><section ><span style="color: rgb(33, 86, 103)"><strong><span style="color: rgb(33, 86, 103)">2.三年交</span></strong></span><o:p></o:p></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZBibJg03RPnfZMNYfFtXLzDsTX6DQwf7lOVOuicHmoI1KzH78YQkUHiaCKB339PtBicUa8IP40tC5miciaA%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZBibJg03RPnfZMNYfFtXLzDsTX6DQwf7lOVOuicHmoI1KzH78YQkUHiaCKB339PtBicUa8IP40tC5miciaA/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section ><span >三年交下，top3：<strong>传世金尊A款&gt;鑫玺越&gt;平型关</strong>。</span><o:p></o:p></section><section ><span ><strong><span >传世金尊A款</span></strong><span >和<strong>鑫玺越</strong>仍然保持高水准，回报位居前两名。</span></span><o:p></o:p></section><section ><span ><strong><span >平型关</span></strong><span >则超越星盈家（虎啸版）位居第三。</span></span><o:p></o:p></section><section ><span >在封闭期上，平型关（6年）差于星盈家（虎啸版）（5年）；不过在封闭期结束后，平型关的现金价值均高于后者。</span></section><section ><span style="color: rgb(33, 86, 103)"><strong><span style="color: rgb(33, 86, 103)">5.五年交</span></strong></span><o:p></o:p></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZBibJg03RPnfZMNYfFtXLzDsM1FkiaqpnjfSaJuoibhoxVo6AvvE2KCstuQI4dQOJk80GTibNTpqXQDRw%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZBibJg03RPnfZMNYfFtXLzDsM1FkiaqpnjfSaJuoibhoxVo6AvvE2KCstuQI4dQOJk80GTibNTpqXQDRw/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section ><span >五年交下，top3：<strong>传世金尊A款&gt;鑫玺越&gt;平型关≈岁享金生（焕新版）</strong>。</span><o:p></o:p></section><section ><span >排名和三年交时相似，<strong>传世金尊A款</strong>和<strong>鑫玺越</strong>在固收增额寿中展示极强统治力。</span><o:p></o:p></section><section ><span >不过五年交下两者的差距已经非常小了，都在第27年保费翻倍。</span><o:p></o:p></section><section ><span >此时现金价值差距只有12元，甚至可以忽略不计了。</span><o:p></o:p></section><section ><span >在鑫玺越之后的是<strong>平型关</strong>和<strong>岁享金生（焕新版）</strong>，两者交替领先，差距不大。</span><o:p></o:p></section><section ><span style="color: rgb(33, 86, 103)"><strong><span style="color: rgb(33, 86, 103)">4.十年交</span></strong></span><o:p></o:p></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZBibJg03RPnfZMNYfFtXLzDsYMJKqP7qrcbdGyV3zsnK2sUU2na2y0hZrZvt6Zbfz2kyQ4s6wH3NPw%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZBibJg03RPnfZMNYfFtXLzDsYMJKqP7qrcbdGyV3zsnK2sUU2na2y0hZrZvt6Zbfz2kyQ4s6wH3NPw/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section ><span >十年交下，top3：<strong>鑫玺越&gt;传世金尊A款&gt;平型关</strong>。</span><o:p></o:p></section><section ><span ><strong><span >鑫玺越</span></strong><span >终于反超<strong >传世金尊A款</strong>，两款增额寿都在持有第10年结束封闭期，第29年保费翻倍。</span></span><o:p></o:p></section><section ><span ><strong><span >平型关</span></strong><span >保持第三，封闭期同样是10年，不过保费翻倍的时间要比前两款晚一年。</span><span ><o:p></o:p></span></span></section><section ><span style="color: rgb(255, 169, 0)"><strong><span style="color: rgb(255, 169, 0)">分析完保单回报，接下来拎出优秀的产品讲一下。</span></strong></span><o:p></o:p></section><section ><span style="color: rgb(33, 86, 103)"><strong><span style="color: rgb(33, 86, 103)">1.富德生命-传世金尊A款</span></strong></span><o:p></o:p></section><section ><span >趸交/3/5年交top1的固收型增额寿，在回报上有极强的统治力，<strong>唯回报论的可以直接投保。</strong></span><o:p></o:p></section><section ><span >不过也有两个小瑕疵：</span><o:p></o:p></section><section ><span >一是10年交回报不如鑫玺越，两者存在较小的差距；</span><o:p></o:p></section><section ><span >二是减保规则上，<strong>年度最多减保20%已交保费</strong>，没有20%保额的产品灵活。</span><o:p></o:p></section><section ><span >好在可以通过拆单规避，大家注意下即可。</span><o:p></o:p></section><h1 ><span >传世金尊A款的详细测评：<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MzkyNTYxNTY4Mw==&amp;mid=2247497565&amp;idx=1&amp;sn=7d2f1cd688aa904baad9a4507b0774f8&amp;chksm=c1c16471f6b6ed6749b0b6006a094be5c007248794da1e1f41af8141e799f906145eedb3d0ed&amp;scene=21#wechat_redirect" textvalue="神秘增额寿，突破3%仅需8年！" linktype="text" imgurl="" imgdata="null" tab="innerlink">神秘增额寿，突破3%仅需8年！</a></span></h1><h1 ><br /></h1><section ><span style="color: rgb(33, 86, 103)"><strong><span style="color: rgb(33, 86, 103)">2.复星保德信人寿-星盈家（虎啸版）</span></strong></span><o:p></o:p></section><section ><span >回报上，星盈家（虎啸版）稍差一些，不过功能足够优秀。</span><o:p></o:p></section><section ><span >减保规则相当宽松，<strong>保单满5年后年度减保上限20%保额</strong>，最快5年即可减完现金价值。</span><o:p></o:p></section><section ><span >保费达到一定要求，<strong>可以对接复保的高端养老社区——星堡</strong>。</span><o:p></o:p></section><section ><span ><strong><span >还能关联一款万能账户：天天盈（龙腾版），保底2%，最新结算3.5%</span></strong><span >。</span></span><o:p></o:p></section><section ><span >投保固收型增额寿时，可以重点考虑星盈家（虎啸版）。</span></section><h1 ><span >星盈家（虎啸版）的详细测评：<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MzkyNTYxNTY4Mw==&amp;mid=2247497081&amp;idx=1&amp;sn=7a58985ca370f2b27134d0030c92aa48&amp;chksm=c1c16655f6b6ef43bb166817fa46c314a2056bba7d5998b2c2943376b2160f358fd167e2160f&amp;scene=21#wechat_redirect" textvalue="星盈家（虎啸版），这个优点太顶了！" linktype="text" imgurl="" imgdata="null" tab="innerlink">星盈家（虎啸版），这个优点太顶了！</a></span></h1><h1 ><span ><strong style="color: rgb(33, 86, 103)"><br /></strong></span></h1><h1 ><span ><strong style="color: rgb(33, 86, 103)">3.海保人寿-<span >鑫玺越</span></strong></span></h1><h1 ><br /></h1><h1 ><span >这款增额寿趸交<span >/3/5年交位列第二，</span></span></h1><h1 ><span ><br /></span></h1><h1 ><span >10年交回报最高，在回报上竞争力十足。</span></h1><h1 ></h1><h1 ><br /></h1><h1 ><span >不过鑫玺越同样<strong>年度减保上限是20%已交<span >保费</span></strong><span >，</span></span></h1><h1 ><br /></h1><h1 ><span >介意的话可以通过拆单规避。</span></h1><h1 ><span ><strong style="color: rgb(33, 86, 103)"><span ><br /></span></strong></span></h1><h1 ><span ><strong style="color: rgb(33, 86, 103)"><span >4.长城人寿-平型关</span></strong></span></h1><h1 ><br /></h1><h1 ><span >趸交不算出彩，平型关的期交回报却是处于市场前三的存在。</span></h1><h1 ><br /></h1><h1 ><span >在功能上平型关减保规则宽松，<strong >年度最多减保20%保额</strong><span >；</span></span></h1><h1 ><br /></h1><h1 ><span >同时平型关缴费期选择非常灵活，有趸交/3/5/8/10/12/15/20年交共<strong >8个缴费期可选</strong><span >，满足不同人群需求。</span></span></h1><h1 ><o:p ><br /></o:p></h1><h1 ><o:p ></o:p><span >对于手头上资金压力大的朋友，拉长缴费期缴费是不错的选择。</span></h1><h1 ><strong style="color: rgb(33, 86, 104)"><span ><br /></span></strong></h1><h1 ><strong style="color: rgb(33, 86, 104)"><span >二、</span></strong></h1><h1 ><br /></h1><h1 >了解完固收型增额寿，接下来我们看分红型，</h1><section ><o:p></o:p></section><section ><span >分红型增额寿回报由"保证+分红"两部分构成，</span></section><section ><span ><span >保证部分和固收增额寿类似(锁定利率</span><strong >2.5%</strong><span >)，要是加上分红预定利率可以达到</span><strong >3.5%</strong><span >（固收增额寿预定利率3%）。</span></span></section><section ><span >挑选分红增额寿主要看3点：</span><o:p></o:p></section><section ><span ><span style="color: rgb(0, 0, 0)"><strong><span style="color: rgb(0, 0, 0)">①保证、红利利益；②</span></strong></span><strong style="color: rgb(0, 0, 0)"><span >历史分红实现率；</span></strong><strong style="color: rgb(0, 0, 0)"><span ><span >③</span>保司实力。</span></strong></span></section><section ><span ><span >我挑选了当前兼顾</span><strong >"回报高+保司强"</strong><span >的双优产品，参赛选手分别是；</span></span></section><section ><span style="color: rgb(0, 122, 170)">中英人寿「福满佳」</span></section><section ><span style="color: rgb(0, 122, 170)">复星保德信人寿「星福家」</span></section><section ><span style="color: rgb(0, 122, 170)">中邮人寿「悦享盈佳」</span></section><section ><span style="color: rgb(0, 122, 170)">招商信诺人寿「利多多3号」</span></section><section ><span style="color: rgb(0, 122, 170)">太平人寿「红利多」</span></section><section ><span style="color: rgb(0, 122, 170)">恒安标准人寿「传世臻耀」</span></section><section ><span >下面以10岁男孩，总交30万为例，分趸交、3/5/10年交来看。<br /></span></section><section ><span style="color: rgb(33, 86, 103)"><strong><span style="color: rgb(33, 86, 103)">1.保证利益</span></strong></span></section><section style="text-align: center"><section ><section style="text-align: center"><section ><section style="text-align: center"><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZBfscZrvf7icSKDhhA9iaPKNSTRZozRzOB7sTXAOb4oDa4eicQ0R3rGm9jarL3KkvXcckhibGdEQce2Bg%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZBfscZrvf7icSKDhhA9iaPKNSTRZozRzOB7sTXAOb4oDa4eicQ0R3rGm9jarL3KkvXcckhibGdEQce2Bg/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section></section></section><section ><section style="text-align: center"><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZBfscZrvf7icSKDhhA9iaPKNSYMSXUxpXQMKcR8Y3VwgxibyvzlXfOVCicwrIRKYojUrialw3RPr6WicF1w%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZBfscZrvf7icSKDhhA9iaPKNSYMSXUxpXQMKcR8Y3VwgxibyvzlXfOVCicwrIRKYojUrialw3RPr6WicF1w/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section></section></section><section ><section style="text-align: center"><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZBfscZrvf7icSKDhhA9iaPKNSpH4jdX3rPbeqUvDSzSn2cEUUVgIPibhV4cwNrXljWaDxXohbR6LnDrg%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZBfscZrvf7icSKDhhA9iaPKNSpH4jdX3rPbeqUvDSzSn2cEUUVgIPibhV4cwNrXljWaDxXohbR6LnDrg/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section></section></section><section ><section style="text-align: center"><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZBfscZrvf7icSKDhhA9iaPKNSVC5MpQEE6Dk1fss8viaBTeEwvFWzNP5ccSWvPph5MibuMx1ZNOht437w%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZBfscZrvf7icSKDhhA9iaPKNSVC5MpQEE6Dk1fss8viaBTeEwvFWzNP5ccSWvPph5MibuMx1ZNOht437w/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section></section></section></section></section></section><section ><span ><span >四个缴费期，top3基本都是这三款：<strong >福满佳</strong></span><strong ><strong >≈</strong>星福家＞悦享盈佳。<span ></span></strong><span >福满佳与</span><span >星福家各个缴费期的差距相当小。</span><strong ><span ></span></strong></span></section><section ><span ><strong ></strong>紧接着排在top4的<strong>利多多3号</strong>与这三款有一点差距。<br /></span></section><section ><o:p></o:p></section><section ><span ><em><span >注：悦享盈佳不支持趸交。</span></em></span><o:p></o:p></section><section ><span >咱们重点看看这三款收益最亮眼的增额寿，</span><o:p></o:p></section><section ><span >以三年交为例，投入30万，持有20年：</span></section><section ><span ><strong><span ><strong ><span >福满佳</span></strong></span></strong><span >现价为440400，IRR2.040%，年化单利2.463%；</span></span></section><section ><span ><strong><span >星福家</span></strong><span >现价为440551，IRR2.042%，折合单利2.466%；<span >两者差距可忽略不计。</span></span></span></section><section ><span ></span></section><section ><span ><strong><span >悦享盈佳</span></strong><span >现价为437400，IRR2.004%，年化单利2.411%。</span></span></section><section ><span >福满佳和<span >星福家</span>回报极为接近，悦享盈佳略低一些。</span><o:p></o:p></section><section ><span ><span style="color: rgb(255, 169, 0)"><strong><span >对照下当前五年期大额存单2.4%的单利，</span></strong></span></span></section><section ><span >三款增额寿不仅回报更高，还<strong>能一直锁定利率水平，一经投保就不会随市场环境而变动。</strong></span></section><section ><span >不过，分红险的迷人之处在于红利，含红利的分红险才是完整的。</span></section><section ><span style="color: rgb(33, 86, 103)"><strong><span style="color: rgb(33, 86, 103)">2.分红利益</span></strong></span><o:p></o:p></section><section ><span >下面将保证利益和分红利益结合，</span></section><section style="text-align: center"><section ><section style="text-align: center"><section ><section style="text-align: center"><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZBfscZrvf7icSKDhhA9iaPKNSgcb7D2lUIQhiakodLWzbR12uhQ59gtIGI8RfSRo0NSnmDNBh2yNRwng%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZBfscZrvf7icSKDhhA9iaPKNSgcb7D2lUIQhiakodLWzbR12uhQ59gtIGI8RfSRo0NSnmDNBh2yNRwng/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section></section></section><section ><section style="text-align: center"><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZBfscZrvf7icSKDhhA9iaPKNSmicFfOMpvZNwwBKibGWTQ2JEsCG6hopZfOyUveMzbpibCib6aSaUTcx8qA%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZBfscZrvf7icSKDhhA9iaPKNSmicFfOMpvZNwwBKibGWTQ2JEsCG6hopZfOyUveMzbpibCib6aSaUTcx8qA/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section></section></section><section ><section style="text-align: center"><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZBfscZrvf7icSKDhhA9iaPKNSs2fRe7shwUr8SkSLAF5lEQWibCAOAIWQH7ib658e84Ntkiac3QZSlhyqg%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZBfscZrvf7icSKDhhA9iaPKNSs2fRe7shwUr8SkSLAF5lEQWibCAOAIWQH7ib658e84Ntkiac3QZSlhyqg/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section></section></section><section ><section style="text-align: center"><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZBfscZrvf7icSKDhhA9iaPKNSFGP3AIozPswD5lbYOZX82IrcPhALVDwN9iasl2XsVe0AokksAUtGF6g%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZBfscZrvf7icSKDhhA9iaPKNSFGP3AIozPswD5lbYOZX82IrcPhALVDwN9iasl2XsVe0AokksAUtGF6g/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section></section></section></section></section></section><section ><span >结论</span><span >和只有保底利益一致，top3为：<strong >福满佳<strong >≈</strong></strong></span><strong >星福家＞悦享盈佳</strong><span >。</span><br /></section><section ><span ><span ></span></span></section><section ><o:p></o:p></section><section ><span >就数据来看，<strong>趸/10年交，福满佳最高；3/5年交，星福家最高。</strong></span><o:p></o:p></section><section ><span >排名第三的<strong>悦享盈佳</strong>，含红利利益与这两款稍有差距。</span><o:p></o:p></section><section ><span >以10年交，已交保费30万为例，</span></section><section ><span ><span style="color: rgb(33, 86, 103)"><strong><span >保单第15年，</span></strong></span></span><o:p></o:p></section><section ><span ><strong><span ><strong ><span >福满佳</span></strong></span></strong><span >现价41.39万，IRR3.07%，折合单利3.61%，</span></span></section><section ><span ><strong><span >星福家</span></strong><span >现价40.59万，IRR2.89%，折合单利3.36%；</span></span><o:p></o:p></section><section ><span ><strong><span >悦享盈佳</span></strong><span >现价40.10万；IRR2.77%，折合单利3.20%。</span></span><o:p></o:p></section><section ><span ><span style="color: rgb(33, 86, 103)"><strong><span >保单第30年，</span></strong></span></span><o:p></o:p></section><section ><span ><strong><span ><strong ><span >福满佳</span></strong></span></strong><span >现价73.39万，IRR3.55%，折合单利5.67%；</span></span></section><section ><span ><strong><span >星福家</span></strong><span >现价71.96万，IRR3.47%，折合单利5.48%；</span></span><o:p></o:p></section><section ><span ><strong><span >悦享盈佳</span></strong><span >现价71.08万，IRR3.42%，折合单利5.37%。</span></span></section><section ><span ><strong>仅看回报的话，挑选优先级为：<strong >福满佳</strong><strong ><strong >≈</strong></strong>星福家＞悦享盈佳。</strong><br /></span><o:p></o:p></section><section ><span style="color: rgb(0, 0, 0)"><strong><span style="color: rgb(0, 0, 0)">可惜挑选分红型增额寿并没有这么简单，是各个产品综合实力的较</span></strong><strong><span style="color: rgb(0, 0, 0)">量，其他维度的对比同样重要。</span></strong></span></section><section ><o:p></o:p></section><section ><span style="color: rgb(33, 86, 103)"><strong><span style="color: rgb(33, 86, 103)">3.分红可靠性</span></strong></span><o:p></o:p></section><section ><span >以上的含红利利益都是基于分红100%实现情况下得出的，我们结合<strong>分红实现率、保司实力、投资能力</strong>几个角度评估一下分红的可信度。</span></section><section ><span style="color: rgb(33, 86, 103)"><strong><span style="color: rgb(33, 86, 103)">1）分红实现率</span></strong></span><o:p></o:p></section><section ><span style="color: rgb(255, 169, 0)"><strong><span style="color: rgb(255, 169, 0)">中英人寿-福满佳</span></strong></span></section><section label="edit by 135editor" ><section ><section ><section style="text-align: center"><section ><section ><section ><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZBfscZrvf7icSKDhhA9iaPKNSgDvPEB7IIuRlEUoenH4Um9KhEhXCe5nHMCDicIticHqXrJdjuicGOOIibA%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZBfscZrvf7icSKDhhA9iaPKNSgDvPEB7IIuRlEUoenH4Um9KhEhXCe5nHMCDicIticHqXrJdjuicGOOIibA/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section></section></section></section></section></section><section style="text-align: center"><span style="color: rgb(136, 136, 136)">向下滑动查看更多</span></section></section></section><section ><span >表中所列一共<strong>33款分红险</strong>，战绩非常漂亮，</span></section><section ><span ><strong><span >分红实现率全部大于100%，最高的分了133%。</span></strong></span><o:p></o:p></section><section ><span >中英人寿的分红业务算得上行业中的"尖子生"了，</span></section><section ><span >这也得益于它的英方股东，要知道世界上第一款保额分红产品就发源于英国。</span></section><section ><o:p></o:p></section><section ><span >成熟丰富的分红险运营经验支持自然是少不了，这点恐怕大部分有外资背景的险企都是比不上。</span><o:p></o:p></section><section ><span style="color: rgb(255, 169, 0)"><strong><span style="color: rgb(255, 169, 0)">复星保德信人寿-星福家</span></strong></span><o:p></o:p></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZBfscZrvf7icSKDhhA9iaPKNSpskN70Nlrh0UIRVxHT8uoYL5mL3IL7HSnwbicFIdoyJe21ZTHUekyBw%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZBfscZrvf7icSKDhhA9iaPKNSpskN70Nlrh0UIRVxHT8uoYL5mL3IL7HSnwbicFIdoyJe21ZTHUekyBw/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section ><span >数据同样非常亮眼，在其他保司都只披露近1-3年分红实现率的情况下。<br /></span></section><section ><o:p></o:p></section><section ><span >复星保德信人寿，却豪横的<strong>一次性披露了</strong><strong>过去11年的分红实现率</strong>。</span><o:p></o:p></section><section ><span >并且不仅披露的时间跨度够长，产品够多，还能<strong>全数达成100%</strong>的实现率。</span><o:p></o:p></section><section ><span >一般我们认为，披露的年份越长、产品越多，那么可信度以及可参考性也就越强，复保在分红这方面可以说底气十足。</span><o:p></o:p></section><section ><span ><strong><span style="color: rgb(255, 169, 0)">中邮人寿-悦享盈佳</span></strong></span><o:p></o:p></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZBfscZrvf7icSKDhhA9iaPKNSwQ7rV9Pdnqyo55ONDrLI1rbaDs7kAw4SY9fcYuhNNLvibiabIAW6JCkQ%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZBfscZrvf7icSKDhhA9iaPKNSwQ7rV9Pdnqyo55ONDrLI1rbaDs7kAw4SY9fcYuhNNLvibiabIAW6JCkQ/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section ><o:p></o:p></section><section ><o:p><span >&nbsp;</span></o:p><span ><span >一共16款现金分红产品，</span><strong><span >全数达成100%+</span></strong><span >，</span></span></section><section ><span >最低的一款实现了125%，最高的一款实现了143%，分红战绩也非常好。</span></section><section ><span ><strong><span style="color: rgb(255, 169, 0)">招商信诺人寿-利多多3号</span></strong><strong ><span style="color: rgb(238, 130, 47)"><o:p>&nbsp;</o:p></span></strong></span></section><section label="edit by 135editor" ><section ><section ><section style="text-align: center"><section ><section ><section ><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZBfscZrvf7icSKDhhA9iaPKNSSbzWUuva0WgYKIl9GIoASRHia0Dq324dWI095ibX2842Uib3XHSEegc8w%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZBfscZrvf7icSKDhhA9iaPKNSSbzWUuva0WgYKIl9GIoASRHia0Dq324dWI095ibX2842Uib3XHSEegc8w/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section></section></section></section></section></section><section style="text-align: center"><span style="color: rgb(136, 136, 136)">向下滑动查看更多</span></section></section></section><section ><span >招商信诺一共运营有<strong>27款</strong>现金分红产品，</span></section><section ><span >在2022年分红实现率<strong>全部超过100%，最高达到174%。</strong></span></section><section ><span >就数据来看，非常亮眼，给了投保人未来分红表现持续向好的预期。</span></section><section ><span style="color: rgb(255, 169, 0)"><strong><span style="color: rgb(255, 169, 0)">太平人寿-红利多</span></strong></span></section><section style="text-align: center"><section ><section ><section ><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FTCogyRTMEicfEHZjNpQG5nNrbZrRThslPLKmslsM541YRMeF20Xia5QQIjehnGzBTkLibtCfWT1JsdJvwxTAE6ZZw%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26wxfrom%3D13%26tp%3Dwxpic" data-origin="https://mmbiz.qpic.cn/mmbiz_png/TCogyRTMEicfEHZjNpQG5nNrbZrRThslPLKmslsM541YRMeF20Xia5QQIjehnGzBTkLibtCfWT1JsdJvwxTAE6ZZw/640?wx_fmt=png&from=appmsg&wxfrom=13&tp=wxpic" alt="懂保爷测评配图" loading="lazy" /><span style="color: rgb(136, 136, 136)">向下滑动查看更多</span></section></section></section></section></section><section style="text-align: center"><section ><section style="text-align: center"><section ><section ><p ><span style="color: rgb(136, 136, 136); text-align: center">向下滑动查看更多</span></p><p style="text-align: left"><span ><br /></span></p><p style="text-align: left"><span ><span style="text-align: justify">太平人寿推出的115款分红增额寿</span><strong style="text-align: justify">全数达成100%</strong><span style="text-align: justify">。</span></span></p><p style="text-align: left"><span style="text-align: justify"><br /></span></p><p style="text-align: left"><span ><span style="text-align: justify">虽然太平披露的年限仅1年，</span><span style="text-align: justify">但是经不住它的产品多，具有相当强的说服力。</span></span></p><p style="text-align: left"><span style="text-align: justify"><br /></span></p><p style="text-align: left"><span style="text-align: justify">就历史分红实现率来看，红利多应该会有不错的成绩。</span></p><p style="text-align: left"><span ><strong style="color: rgb(255, 169, 0); text-align: justify"><span ><br /></span></strong></span></p><p style="text-align: left"><span ><strong style="color: rgb(255, 169, 0); text-align: justify"><span >恒安标准人寿-传世臻耀</span></strong></span></p><p style="text-align: left"><br /></p><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FNGupRwr5hZBfscZrvf7icSKDhhA9iaPKNSXHfZsuiaT8a0cdCtPZ662Y7eDgxqp7PMj2VglCoXGd96cBL3w6rqYibg%2F640%3Fwx_fmt%3Dwebp%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/NGupRwr5hZBfscZrvf7icSKDhhA9iaPKNSXHfZsuiaT8a0cdCtPZ662Y7eDgxqp7PMj2VglCoXGd96cBL3w6rqYibg/640?wx_fmt=webp&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></p><p style="text-align: left"><span style="text-align: justify"><br /></span></p><p style="text-align: left"><span style="text-align: justify">恒安标准人寿，罕见的专注增额红利产品的保险公司，并且成绩非常好。</span></p><p style="text-align: left"><span style="text-align: justify"><br /></span></p><p style="text-align: left"><span style="text-align: justify">近一年的58款分红险里，<strong>无一低于100%，最高实现了556%</strong>！</span></p><p style="text-align: left"><span style="text-align: justify"><br /></span></p><p style="text-align: left"><span ><strong><span style="text-align: justify">总体来看，6名参赛选手的承保保司在分红实现率这一维度上都达标了，</span></strong></span></p><p style="text-align: left"><span style="text-align: justify"><br /></span></p><p style="text-align: left"><span style="text-align: justify">这一维度复保比较突出，不仅披露了11年的实现率，还全数达成100%，相对来说最为优秀。</span></p><p style="text-align: left"><span ><strong style="color: rgb(33, 86, 103); text-align: justify"><span ><br /></span></strong></span></p><p style="text-align: left"><span ><strong style="color: rgb(33, 86, 103); text-align: justify"><span >2）保司实力</span></strong></span></p><p style="text-align: left"><br /></p><p style="text-align: left"><span style="text-align: justify">当然，以上只是参考各家保司历史分红实现率，合理推断未来分红也能100%实现。</span></p><p style="text-align: left"><span style="text-align: justify"><br /></span></p><p style="text-align: left"><span style="text-align: justify">但增额寿毕竟是长期的资金规划工具，分红实现率也是每年都要看的指标，</span></p><p style="text-align: left"><span style="text-align: justify"><br /></span></p><p style="text-align: left"><span ><span style="text-align: justify">显然长期稳定的高实现率才更加重要。实现这个目的取决于两个个要件：</span><strong style="text-align: justify">经营情况、投资能力</strong><span style="text-align: justify">，</span></span></p><p style="text-align: left"><span style="text-align: justify"><br /></span></p><p style="text-align: left"><span style="text-align: justify">这两点才是判断未来长期稳定的分红实现率最有利的抓手。</span></p><p style="text-align: left"><span style="text-align: justify"><br /></span></p><p style="text-align: left"><span style="text-align: justify">咱们重点了解下<strong>福满佳、星福家、</strong><strong>悦享盈佳和利多多3号</strong>的承保公司，这四款是回报最高的产品。</span></p><p style="text-align: left"><br /></p><p style="text-align: left"><span ><strong style="text-align: justify"><span style="color: rgb(255, 169, 0)">中英人寿-福满佳</span></strong></span></p><p style="text-align: left"><br /></p><p style="text-align: left"><span ><strong><span style="text-align: justify">中英人寿</span></strong><span style="text-align: justify">是一家合资险企，成立于2002年，是中国加入世贸组织后，首批获批的合资险企。</span></span></p><p style="text-align: left"><span style="text-align: justify"><br /></span></p><p style="text-align: left"><span style="text-align: justify">中资股东中粮集团，外资股东英国英杰华保险集团，双方各持有50%的股份。</span></p><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZBfscZrvf7icSKDhhA9iaPKNS1XpHBbQ9qgZndmaTccMn3av4x6wGa9jvibicEeJbJ4tLiaFPLhKMMA8BQ%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZBfscZrvf7icSKDhhA9iaPKNS1XpHBbQ9qgZndmaTccMn3av4x6wGa9jvibicEeJbJ4tLiaFPLhKMMA8BQ/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></p><p style="text-align: left"><br /></p><p style="text-align: left"><span style="text-align: justify">中粮集团，是国务院国资委直接管理的央企，中国最大的粮油食品企业。</span></p><p style="text-align: left"><span style="text-align: justify"><br /></span></p><p style="text-align: left"><span style="text-align: justify">英杰华集团，成立于1696年，总部设在伦敦，</span></p><p style="text-align: left"><span style="text-align: justify"><br /></span></p><p style="text-align: left"><span style="text-align: justify">是英国最大、世界第六大的保险集团，同时也是英国皇室唯一指定保险公司。</span></p><p style="text-align: left"><span ><strong style="color: rgb(255, 169, 0); text-align: justify"><span ><br /></span></strong></span></p><p style="text-align: left"><span ><strong style="color: rgb(255, 169, 0); text-align: justify"><span >复星保德信人寿-星福家</span></strong></span></p><p style="text-align: left"><br /></p><p style="text-align: left"><span ><strong><span style="text-align: justify">复星保德信人寿</span></strong><span style="text-align: justify">（以下简称复保）承保，是一家较为少见的中美合资险企。</span></span></p><p style="text-align: left"><span style="text-align: justify"><br /></span></p><p style="text-align: left"><span style="text-align: justify">它是复星集团（中方股东）和保德信集团（美方股东）各出资50%建立的，注册资本金43.621亿元。</span></p></section></section></section></section></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZBfscZrvf7icSKDhhA9iaPKNSEeJjbF8t44jv83RlsxibDI56ZVBV89DouZp7pmGfzWcK0g5npkrck3A%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZBfscZrvf7icSKDhhA9iaPKNSEeJjbF8t44jv83RlsxibDI56ZVBV89DouZp7pmGfzWcK0g5npkrck3A/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section ><span >复星集团成立于1992年，医药产业起家，位列2020福布斯全球上市公司2000强榜单第371位。</span><o:p></o:p></section><section ><span >像上海豫园、老庙黄金、青岛啤酒、亚特兰蒂斯酒店，复星集团都有持股；</span><o:p></o:p></section><section ><span >保德信集团成立于1875年，全球最大的金融机构之一，2022年“世界500强”第175位。</span><o:p></o:p></section><section ><span >其下属的保德信保险公司，也是美国最大的人寿保险公司之一。</span><o:p></o:p></section><section ><span >就股东背景和资本量来说，复保起跑线已经强于多数保险公司了。</span><o:p></o:p></section><section ><span style="color: rgb(255, 169, 0)"><strong><span style="color: rgb(255, 169, 0)">中邮人寿-悦享盈佳</span></strong></span><o:p></o:p></section><section ><span ><strong><span >中邮人寿</span></strong><span >，2009年于北京成立，注册资本286.63亿，位列寿险公司Top5。</span></span><o:p></o:p></section><section ><span >实际控制人为中国邮政集团，香港友邦保险也是战略类股东。</span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZBfscZrvf7icSKDhhA9iaPKNSKI2tSzdETFsff1RpSxTcLoT8aaBOBqciaebQL6pOuVh1GlSRjYGC1Pw%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZBfscZrvf7icSKDhhA9iaPKNSKI2tSzdETFsff1RpSxTcLoT8aaBOBqciaebQL6pOuVh1GlSRjYGC1Pw/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section ><span >这俩股东可以说家喻户晓，我们就不过多介绍了。</span><o:p></o:p></section><section ><span >此外2023年，中邮人寿保费收入正式超过人保寿险，位列行业第七，</span><o:p></o:p></section><section ><span >中邮人寿实力强大，在整个寿险行业中都是庞然大物的存在。</span><o:p></o:p></section><section ><span style="color: rgb(255, 169, 0)"><strong><span style="color: rgb(255, 169, 0)"><strong style="color: rgb(255, 169, 0)"><span style="color: rgb(255, 169, 0)">招商信诺人寿-利多多3号</span></strong></span></strong></span></section><section ><span ><strong><span >招商信诺人寿，</span></strong><span ><span >2003年于深圳成立，</span><span >注册资本金28亿元，</span></span></span></section><section ><span >和复保一样是少见的中美合资险企，<span style="text-align: left">由<span style="text-align: left">根正苗红的<strong>招商银行</strong>（中方股东）+百年历史的<strong>信诺集团</strong>（美方股东）</span>各出资50%建立。</span></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZBfscZrvf7icSKDhhA9iaPKNSTXuCdOeQwZKvjbvugy4ONSVTC36Blag5V3uYbE4uAOpcZqPTJSVWyg%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZBfscZrvf7icSKDhhA9iaPKNSTXuCdOeQwZKvjbvugy4ONSVTC36Blag5V3uYbE4uAOpcZqPTJSVWyg/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section ><strong ><span style="text-align: left">招商银行，</span></strong><span style="text-align: left">新中国第一家由企业创办的商业银行。</span><br /></section><section ><span ><span style="text-align: left"></span></span></section><section style="text-align: left"><span >其主要股东<span style="color: rgb(0, 0, 0)">为<span >招商局集团</span>、其他</span>归属国资委管理的国有企业，<span >有着根正苗红的国资背景。</span></span></section><section style="text-align: left"><span ><span >位列2023年世界500强第179位，全球银行1000强排名第11位，</span><span >创造了"中国最佳银行"称号五连冠的历史。</span></span></section><section style="text-align: left"><span ><strong><span >信诺集团</span></strong><span >，成立于1792年，<span >拥有超过230年的历史，</span></span></span></section><section ><span ><span >是全美第五大保险公司，</span>也是全球最大的保险、医疗和金融服务公司之一。</span></section><section style="text-align: left"><span ><strong><span >双方都是世界500强，真正的强强联合。</span></strong></span></section><section ><span style="color: rgb(255, 169, 0)"><strong><span style="color: rgb(255, 169, 0)">咱们再来看看经营情况，主要体现在保险公司的偿付能力和风险评级，</span></strong></span></section><section label="edit by 135editor" ><section ><section ><section style="text-align: center"><section ><section ><section ><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FNGupRwr5hZBfscZrvf7icSKDhhA9iaPKNS9KnLjRSaHnUwXjibbGgJsHnEgicLm67Wh4szaleYjXczYgcXdzwbYcUA%2F640%3Fwx_fmt%3Djpeg%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/NGupRwr5hZBfscZrvf7icSKDhhA9iaPKNS9KnLjRSaHnUwXjibbGgJsHnEgicLm67Wh4szaleYjXczYgcXdzwbYcUA/640?wx_fmt=jpeg&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section></section></section></section></section></section><section style="text-align: center"><span style="color: rgb(136, 136, 136)">向下滑动查看更多</span></section></section></section><section ><span >从上表可以看到，四家的偿付能力都达标，</span></section><section ><span ><span >风险评级上，</span>中英人寿是顶尖的<strong>AAA评级</strong>，招商信诺<strong>BBB级</strong>，复保和中邮均为<strong>B级</strong>评价。</span></section><section ><span >不过不用觉得BBB级和B级特别低，毕竟某些头部保险公司也才就B级......</span></section><section ><span style="color: rgb(33, 86, 103)"><strong><span style="color: rgb(33, 86, 103)">3）投资能力</span></strong></span></section><section label="edit by 135editor" ><section ><section ><section style="text-align: center"><section ><section ><section ><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZBfscZrvf7icSKDhhA9iaPKNSryQg0VUR7IfWR1ic7ow8unK8hotu9rV6NQDD55AyBQTVfCr1JYCxvuA%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZBfscZrvf7icSKDhhA9iaPKNSryQg0VUR7IfWR1ic7ow8unK8hotu9rV6NQDD55AyBQTVfCr1JYCxvuA/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section></section></section></section></section></section><section style="text-align: center"><span style="color: rgb(136, 136, 136)">向下滑动查看更多</span></section></section></section><section style="text-align: left"><span style="text-align: justify">相对来说，中英和复保的投资收益率排在行业前列，拥有出色的投资能力。</span></section><section ><span >从数据上看，招商信诺和中邮人寿的投资收益率不及中英和复保。</span><o:p></o:p></section><section ><span >但这也和后两者本身规模太大有一定关系。</span><o:p></o:p></section><section ><span >并且<strong><span >招商信诺和中邮人寿都有<span >自己的资产管理公司。</span></span></strong></span></section><section ><span ><span style="text-align: left">招商信诺2020年成立了独有的资管子公司——</span>招商信诺资产管理有限公司，</span></section><section ><span style="text-align: left">这是国内首家股份制银行背景的保险资产管理公司。</span></section><section ><span >中邮人寿也于<span >2023年</span>成立了自己的资产管理公司——中邮保险资产管理有限公司。<br /></span></section><section ><span >两者的投资能力也处于业内顶尖水平，完全不用担心。</span><o:p></o:p></section><section ><span style="color: rgb(0, 0, 0)"><strong><span style="color: rgb(0, 0, 0)">通过多个维度的考核，分红型咱们选择的对象基本可以锁定在这四款产品中：</span></strong></span></section><section ><span style="color: rgb(0, 122, 170)"><strong><span style="color: rgb(0, 122, 170)">中英人寿-福满佳，<strong ><span style="color: rgb(0, 122, 170)">复保-星福家，</span></strong>中邮人寿-悦享盈佳，招商信诺-利多多3号。</span></strong></span></section><section ><span style="color: rgb(0, 0, 0)">挑分红增额寿，因为有“分红”这个不确定的存在，公司某种程度上更加重要。<strong ></strong></span></section><section ><span ><span style="color: rgb(0, 0, 0)"><strong ><span style="color: rgb(0, 0, 0)">悦享盈佳</span></strong><span style="color: rgb(0, 0, 0)"><strong><span >和福满佳</span></strong><span >是</span></span></span><span style="color: rgb(0, 0, 0)">"大品牌+高回报"结合的产品，</span></span></section><section ><span style="color: rgb(0, 0, 0)">福满佳胜在回报更高，同时有养老社区；</span></section><section ><span style="color: rgb(0, 0, 0)"><span style="color: rgb(0, 0, 0)">悦享盈佳胜在减保</span>灵活（线上官微和柜台减保均可）。</span></section><section ><span style="color: rgb(0, 0, 0)">两款产品都是第一推荐，根据需求购买即可。<br /></span></section><h1 ><span ><span style="color: rgb(0, 0, 0)">悦享盈佳</span>的详细测评：</span><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MzkyNTYxNTY4Mw==&amp;mid=2247497343&amp;idx=1&amp;sn=bfff368c0029e953cbf895bcc337c34c&amp;chksm=c1c16553f6b6ec45355dda613f15eab2c8df2c459ca3583bd746c2a26e5b3bcef955c213accf&amp;scene=21#wechat_redirect" textvalue="国家队出手，IRR超3.7%，绝了！" linktype="text" imgurl="" imgdata="null" tab="innerlink" >国家队出手，IRR超3.7%，绝了！</a></span></h1><h1 ><span style="color: rgb(0, 0, 0)"><br /></span></h1><h1 ><span style="color: rgb(0, 0, 0)">福满佳</span>的详细测评：<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MzkyNTYxNTY4Mw==&amp;mid=2247496869&amp;idx=1&amp;sn=62576951bdfa9282681770c393c2680d&amp;chksm=c1c16789f6b6ee9f5c291e78a56766492d5ad40c92dac421299300703e55cce3643a97fb14e6&amp;scene=21#wechat_redirect" textvalue="分红型增额寿赛道，这款有望领跑！" linktype="text" imgurl="" imgdata="null" tab="innerlink" >分红型增额寿赛道，这款有望领跑！</a></h1><section ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MzkyNTYxNTY4Mw==&amp;mid=2247496869&amp;idx=1&amp;sn=62576951bdfa9282681770c393c2680d&amp;chksm=c1c16789f6b6ee9f5c291e78a56766492d5ad40c92dac421299300703e55cce3643a97fb14e6&amp;scene=21#wechat_redirect" textvalue="分红型增额寿赛道，这款有望领跑！" linktype="text" imgurl="" imgdata="null" tab="innerlink" ><span ></span></a></section><h1 ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MzkyNTYxNTY4Mw==&amp;mid=2247496869&amp;idx=1&amp;sn=62576951bdfa9282681770c393c2680d&amp;chksm=c1c16789f6b6ee9f5c291e78a56766492d5ad40c92dac421299300703e55cce3643a97fb14e6&amp;scene=21#wechat_redirect" textvalue="分红型增额寿赛道，这款有望领跑！" linktype="text" imgurl="" imgdata="null" tab="innerlink"></a></h1><section ><span ><span style="color: rgb(0, 0, 0)"><strong><span style="color: rgb(0, 0, 0)">利多多3号</span></strong></span><span style="color: rgb(0, 0, 0)">同样</span><span style="color: rgb(0, 0, 0)">保司实力强劲，</span><span style="color: rgb(0, 0, 0)">回报在四款顶尖产品中稍微差一些，</span></span></section><section ><span style="color: rgb(0, 0, 0)">不过利多多3号提供的健康服务吸引力十足。</span><o:p ></o:p></section><section ><span style="color: rgb(0, 0, 0)">家庭三人（1+2）可享诺相守-居家康养服务，</span><o:p ></o:p></section><section ><span style="color: rgb(0, 0, 0)">每人每年可享受一次“私人健康管家、院前救护、院中护理、出院协助、院后护理”，从急救到出院全流程安排。</span></section><section ><span ><span style="color: rgb(0, 0, 0)">并且只要保单有效，就</span><span >可以终身享受此项服务。</span></span></section><section ><span style="color: rgb(0, 0, 0)"><span style="color: rgb(0, 0, 0)">相比以上三款产品，</span><strong><span style="color: rgb(0, 0, 0)">星福家</span></strong><span style="color: rgb(0, 0, 0)">除了回报不错，软实力就要逊色一些了，</span></span></section><section ><span ><span style="color: rgb(0, 0, 0)">目前可以做个备选吧，优点是减保宽松，增值服务较齐全</span><span style="color: rgb(0, 0, 0)">。</span></span></section><section ><span style="color: rgb(33, 86, 104)"><strong><span style="color: rgb(33, 86, 104)">三、</span></strong></span></section><section ><span >最后，附上最新的增额寿挑选建议图，供大家参考：</span><o:p></o:p></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZBibJg03RPnfZMNYfFtXLzDsQglDM2IXQ0hPTQiax9QMZPaKbqAcYib8B9HoianQqBzbUnlQX2x8fnhVg%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZBibJg03RPnfZMNYfFtXLzDsQglDM2IXQ0hPTQiax9QMZPaKbqAcYib8B9HoianQqBzbUnlQX2x8fnhVg/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section ><span >只是要注意，在监管要求下，当前这些预定利率3%的固收型、预定利率2.5%（保证部分）的分红型增额寿都有下架之危。</span></section><section ><span >预定利率2%的分红险已在路上...</span></section><section ><span style="color: rgb(33, 86, 103)"><em><strong><span style="color: rgb(33, 86, 103)">有问题，可咨询我团队的专业规划老师。</span></strong></em></span></section><section style="text-align: center"><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" /></section><section ><section ><br /></section></section><section ><section ><br /></section></section><section ><section ><br /></section><section ><br /></section></section><section ><section ><br /></section></section><p ></mp-style-type></p>