一个坏消息，收益最高的理财险就快没了！

<section style="text-align: center"><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&amp;mid=2447790313&amp;idx=2&amp;sn=55e0cf403a3327c58f7dfcc77ea888c8&amp;chksm=b2b077ab85c7febda44a18349455223c46e61a6d8082f6f51e7dcbb9a81e93eba23d8e4d1845&amp;scene=21#wechat_redirect" textvalue="你已选中了添加链接的内容" tab="innerlink" hasload="1" wah-hotarea="click" ><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FO95eeDepqTPsc3iaSPccBW3jFNnl5olj9wX0XYtyuucuFrcx4Ng2l56U5YmWwPtLSG2GMXEcJncSkiaQTwpOgUpQ%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/O95eeDepqTPsc3iaSPccBW3jFNnl5olj9wX0XYtyuucuFrcx4Ng2l56U5YmWwPtLSG2GMXEcJncSkiaQTwpOgUpQ/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 ><span >接保险公司消息，</span></section><section ><br /></section><section ><span >「<a href="" href="">天天向上</a>」教育金将于<strong>8月31日</strong>下架趸交版本</span><span style="color: rgb(136, 136, 136)">（即一次性交费）</span><span >，后续只能选择 3、5、10 年交。</span></section><section ><br /></section><section ><span >我们之前说过：</span></section><section ><span ><strong><br /></strong></span></section><section ><span ><strong>如果你想找一份收益高、回本快的长期理财险，天天向上就是你能找到的“天花板”。</strong></span></section><section ><span ><br /></span></section><section ><span >那这次停售会对「天天向上」产生怎样的影响？下面咱们结合产品一起说下。<br /></span></section><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 >一、天天向上产品详情</strong></span></section></section></section></section></section></span></section><section ><br /></section><section ><span >先说产品，<br /></span></section><section ><br /></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTPsc3iaSPccBW3jFNnl5olj9csbctHyPaxn3ZYKqVTyCia83xkibsJHS7bny5GIIKQBm8YVGHygXKhcg%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTPsc3iaSPccBW3jFNnl5olj9csbctHyPaxn3ZYKqVTyCia83xkibsJHS7bny5GIIKQBm8YVGHygXKhcg/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section ><br /></section><section ><span >就产品责任来看，天天向上是一款用作“教育金”的年金险，</span><br /></section><section ><span ><br /></span></section><section ><span >有三个产品计划可选：</span><strong >大学、深造、大学&amp;深造</strong><span >。</span></section><section ><span >&nbsp;</span></section><section ><span style="color: rgb(136, 136, 136)">不同的计划可领取的时间段有所不同，但每年领取的年金都是20%已交保费，到了30岁时再一次性给付满期保险金。</span></section><section ><span ><br /></span></section><section >不过<span >我们今天要说的不是它的教育金责任，而是一个隐藏责任：<strong>转换养老金</strong>。<br /></span></section><section ><br /></section><section ><span >是的，这才是它的核心。</span></section><section ><span ><br /></span></section><section ><span >根据条款，天天向上可以在领取“教育金”前申请转换为“养老金”。<strong ></strong></span></section><section ><span ><br /></span></section><section ><span style="color: rgb(136, 136, 136)">实际操作的话，不仅要在领取<span style="color: rgb(136, 136, 136)">“教育金”</span>前，保单还得满3年才能申请。</span></section><section ><span ><br /></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTPsc3iaSPccBW3jFNnl5olj9iaeUGbBy5YiaS7VibBCItEEOKrxlaE4BzE4IM9DYn3zKylLz2XeGrqJFQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTPsc3iaSPccBW3jFNnl5olj9iaeUGbBy5YiaS7VibBCItEEOKrxlaE4BzE4IM9DYn3zKylLz2XeGrqJFQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><br /></section><section ><span >这就把<strong>原本最长保障30年</strong>的天天向上，变成<strong>可以保一辈子</strong>的养老金了。</span></section><section ><span ><br /></span></section><section ><span >我们为什么要大费周章来做这个？直接买养老金不行吗？<br /><br /></span></section><section ><span >答案就一个：<strong>这样转换后，天天向上的收益太香了！</strong></span><br /></section><section ><span ><br /></span></section><section ><span >要知道天天向上本身就是稀有的预定利率<strong>4.025%</strong>年金险</span><span style="color: rgb(136, 136, 136)">（当前理财险最高只有3.5%）</span><span >，而且它还能灵活</span><strong><span >加保、减保！</span></strong></section><section ><span ><br /></span></section><section ><span >我们在《<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&amp;mid=2247491024&amp;idx=2&amp;sn=f8840886f83cd0ef27ee0362de0a0b70&amp;chksm=cfb5fe50f8c2774637c8fc7aa2dd8ee076b91f82b58d46e46c6e7a68b817542fa5e573eb32d1&amp;scene=21#wechat_redirect" tab="innerlink">谈谈投资理财险：了解这些，谁都忽悠不了你！</a>》提过，</span></section><section ><span ><br /></span></section><section ><span >虽然终身年金险收益比增额寿险高，但基本没有灵活性。</span></section><section ><span ><br /></span></section><section ><span >只能用来拿“现金流”养老，不像增额寿险随时减保当个“现金池”用。</span></section><section ><span ><br /></span></section><section ><span >而现在，预定利率4.025%的天天向上，又能加保/减保，兼顾了高收益+灵活性。</span></section><section ><span ><br /></span></section><section ><span >这样牛x的产品，自然...只能停售了...</span></section><section ><span ><br /></span></section><section ><span >正因如此，天天向上收益最高的“趸交版本”，8月31日就要凉了。</span></section><section ><br /></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、天天向上收益怎么样？</strong></span></section></section></section></section></section></span></section><section ><br /></section><section ><span >光说肯定没感觉，</span></section><section ><span ><br /></span></section><section ><span >下面我们把转换为养老金后的「<a href="" href="">天天向上</a>」，和当前<strong>收益最高的增额寿险</strong>「<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&amp;mid=2247490969&amp;idx=1&amp;sn=cba40ee2804b0f5bac75a84467389f8d&amp;chksm=cfb5fe19f8c2770fb19ba3cb6a9e207b102fefebdd8579e5206c0600fae8c2f43a6d5f64ce16&amp;scene=21#wechat_redirect" textvalue="利多多" tab="innerlink">利多多</a>」做个对比，大家感受下收益有多香：</span></section><section ><br /></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTPsc3iaSPccBW3jFNnl5olj97bKRicElhOR2wE5MGrJfvdw8U5fDmZsQtCTu37URzNxDrGBXlryyjsQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTPsc3iaSPccBW3jFNnl5olj97bKRicElhOR2wE5MGrJfvdw8U5fDmZsQtCTu37URzNxDrGBXlryyjsQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section style="text-align: center"><span style="color: rgb(136, 136, 136)">天天向上vs利多多收益</span></section><section ><br /></section><section ><span >以0岁男宝为例，同样趸交10万（即一次性交费10万）：</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(33, 89, 103)">就回本速度看，</span></section><section ><span ><br /></span></section><section ><span >天天向上第二年就回本了，而利多多第四年才回本。</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(33, 89, 103)">就现金价值</span><span style="color: rgb(136, 136, 136)">（账户的钱）</span><span style="color: rgb(33, 89, 103)">看</span><span >，</span></section><section ><span ><br /></span></section><section ><span >天天向上直接碾压利多多，巅峰时「天天向上」能比同期「利多多」</span><strong >多赚23万</strong><span >！</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(136, 136, 136)">而利多多已经是现金价值最高的增额寿险了...</span></section><section ><span ><br /></span></section><section ><span >更别忘了，天天向上可是养老金，孩子</span><span >60岁起，</span><strong >每年还能领5万左右的养老金！</strong></section><section ><span ></span></section><section ><span ><br /></span></section><section ><span >所以我们才说：</span></section><section ><span ><strong ><br /></strong></span></section><section ><span ><strong >如果你想找一份收益高、回本快的长期理财险，天天向上就是你能找到的“天花板”</strong>！<br /></span></section><section ><span ><br /></span></section><section ><span >收益高</span><span style="color: rgb(136, 136, 136)">（终身4%的收益）</span><span >、回本快</span><span style="color: rgb(136, 136, 136)">（第2年回本）</span><span >、又灵活</span><span >（跟增额寿险一样可灵活加/减保）</span><span >，没有其他理财险能与之媲美。</span></section><section ><span ><br /></span></section><section ><span >拿个<strong>实际应用情况</strong>给大家感受下：</span></section><section ><span ><br /></span></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FO95eeDepqTPsc3iaSPccBW3jFNnl5olj9picBT0ULcSficQz5uWukzibjCBf4TXSfjuWaImKgOUAXvjVGu4xfYkHCg%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/O95eeDepqTPsc3iaSPccBW3jFNnl5olj9picBT0ULcSficQz5uWukzibjCBf4TXSfjuWaImKgOUAXvjVGu4xfYkHCg/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></p><section ><span ></span><br /></section><p ><span >给0岁孩子投保一次性投保<strong>100万</strong></span><span style="color: rgb(136, 136, 136)">（仅为举例值，自己投可以降到5万、10万都行）</span><span >：</span></p><p><span ><br /></span></p><ul ><li ><p><span >孩子18-22岁，每年减保领取5万教育金，共20万；</span></p></li><li ><p><span >孩子23-25岁，每年减保领取10万深造金，共30万；</span></p></li><li ><p><span >孩子30岁，一次性领取100万婚嫁/创业金；</span></p></li><li ><p><span >投保人60岁开始，每年领取5万养老金，领取25年，一共125万；</span></p></li><li ><p><span >孩子60岁开始，每年还能领取154898养老金，一直领到身故！</span></p></li></ul><p ><span ><br /></span></p><p ><span >投入100万，以孩子活到85岁为例，总收益<strong>677万</strong>，是投入的6.77倍！</span></p><section ><br /></section><section ><strong><span style="color: rgb(33, 89, 103)">那这样的产品就没有缺点吗？</span></strong></section><section ><span ><br /></span></section><section ><span >硬要说，只有一个：<strong>必须有孩子才能买...</strong></span></section><section ><span ><br /></span></section><section ><span >这是投保门槛，只能给娃投，没娃买不了，毕竟表面上是款“教育金”。</span></section><section ><br /></section><section ><strong><span >家里有娃的建议早点上车，这产品能活多久真是个未知数，8月31日停售趸交版本已经是个征兆了。</span></strong><br /></section><section ><br /></section><section ><span >至于停售“趸交版本”有啥影响，我也给大家总结了：</span></section><section ><span ><br /></span></section><section ><span >1、此后「天天向上」<strong>收益最高</strong>的版本没了；<br /></span></section><section ><span >2、此后「天天向上」<strong>回本最快</strong>的版本没了</span><span style="color: rgb(136, 136, 136)">（趸交第2年回本，其他版本得4-5年）</span><span >；</span></section><section ><span >3、此后「天天向上」<strong>无法加保</strong></span><span style="color: rgb(136, 136, 136)">（只有趸交版本支持加保）</span><span >；<br /></span></section><section ><span >4、此后「天天向上」承保年龄<strong>降至15岁</strong></span><span style="color: rgb(136, 136, 136)">（趸交支持承保16岁）</span><span >。<br /></span></section><section ><br /></section><section ><span >影响很大，真的忍不了，真心建议大家别错过。</span></section><section ><br /></section><section ><span >「天天向上」投保链接戳：<span style="color: rgb(136, 136, 136)"><a href="" href="">天天向上</a></span></span></section><section ><span style="color: rgb(136, 136, 136)"><br /></span></section><section ><span style="color: rgb(136, 136, 136)">投保时选哪个教育金版本不用纠结，选个<span style="color: rgb(136, 136, 136)">大学教</span><span style="color: rgb(136, 136, 136)">育金就行，<strong>反正最终都会转换成养老金</strong>。</span></span></section><section ><span style="color: rgb(136, 136, 136)"><span style="color: rgb(136, 136, 136)"><br /></span></span></section><section ><span style="color: rgb(136, 136, 136)"><span style="color: rgb(136, 136, 136)">至于买多少金额合适，看预算，</span></span></section><section ><span style="color: rgb(136, 136, 136)"><span style="color: rgb(136, 136, 136)"><br /></span></span></section><section ><span style="color: rgb(136, 136, 136)"><span style="color: rgb(136, 136, 136)">趸交是5万起投，暂时手头紧投5万就行</span></span><span style="color: rgb(136, 136, 136)">，反正后期可以「加保」，预算多的话，就买满预算，肯定不亏。</span><span style="color: rgb(136, 136, 136)"><span style="color: rgb(136, 136, 136)"></span></span></section><section ><span style="color: rgb(136, 136, 136)"><br /></span></section><section ><span >相关阅读：</span></section><section ><br /></section><section ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&amp;mid=2247491024&amp;idx=2&amp;sn=f8840886f83cd0ef27ee0362de0a0b70&amp;chksm=cfb5fe50f8c2774637c8fc7aa2dd8ee076b91f82b58d46e46c6e7a68b817542fa5e573eb32d1&amp;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><br /></section><section ><br /></section><section style="text-align: center"><br /></section><section style="text-align: center"><span ><span >—&nbsp;</span><strong >END&nbsp;</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><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FaqibLpHUEcztskunFytwCia8wiaepDysSMfE3VwhSiaK8siaOT9TuTk1zdwnnNQxrWZ5P8bwZP6icia0z7fyVElB7hctw%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/aqibLpHUEcztskunFytwCia8wiaepDysSMfE3VwhSiaK8siaOT9TuTk1zdwnnNQxrWZ5P8bwZP6icia0z7fyVElB7hctw/640?wx_fmt=gif" alt="懂保爷测评配图" loading="lazy" /></p><section><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 >&nbsp; &nbsp;&nbsp;<span style="color: rgb(136, 136, 136)">点击阅读原文，查看</span><span style="color: rgb(33, 89, 103)">懂保爷精选保险</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>