<section ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447790313&idx=2&sn=55e0cf403a3327c58f7dfcc77ea888c8&chksm=b2b077ab85c7febda44a18349455223c46e61a6d8082f6f51e7dcbb9a81e93eba23d8e4d1845&scene=21#wechat_redirect" textvalue="你已选中了添加链接的内容" tab="innerlink" hasload="1" style="text-align: center"><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FO95eeDepqTMr1QoibN3IdtBDO8G9kquZbw6dQibFsIAyoFhQVwsNr6XbHQTHvI0v6GfssoJUxQj16W24ibXibxDdjg%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/O95eeDepqTMr1QoibN3IdtBDO8G9kquZbw6dQibFsIAyoFhQVwsNr6XbHQTHvI0v6GfssoJUxQj16W24ibXibxDdjg/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></span></a><br /></section><p 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></p><section ><span ></span></section><section ><span ><br /></span></section><section ><span ></span></section><section ><span >今天聊个很多人都关注的问题，养老年金险们都有哪些区别？</span></section><section ><br /></section><section ><span >以及<strong>怎么选择适合自己的养老金？</strong></span></section><section ><span style="color: rgb(136, 136, 136); text-align: center"></span></section><section ><span ></span></section><section ><br /></section><section ><span style="color: rgb(33, 89, 103)"><strong><span >一</span></strong></span><br /></section><section ><span ><br /></span></section><section ><span >和其他险种一样，怎么选养老金首先要做的就是<strong>分类</strong>。</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(136, 136, 136)">例如重疾险可以按保障期限（终身/定期）、保障责任（有无额外责任）等划分，我们对号入座即可。</span></section><section ><span ><br /></span></section><section ><span >那养老年金险该按什么“差异点”来划分呢？</span></section><section ><span ><br /></span></section><section ><span >核心点有以下几个：<br /></span></section><section ><span ><br /></span></section><ul ><li><p ><span >领取金额多少、是否恒定</span><span style="color: rgb(136, 136, 136)">（即养老金能领多少，每年金额是否相同）</span><span >；</span></p></li><li><p ><span >有没有保证领取</span><span style="color: rgb(136, 136, 136)">（<span style="color: rgb(136, 136, 136)">如领</span><span style="color: rgb(136, 136, 136)">几</span><span style="color: rgb(136, 136, 136)">年就身故了</span><span style="color: rgb(136, 136, 136)">，保</span><span style="color: rgb(136, 136, 136)">底能拿多少钱</span>）</span><span >；</span></p></li><li><p ><span >现金价值</span><span style="color: rgb(136, 136, 136)">（即退保能拿的一笔钱）</span><span >；</span></p></li><li><p ><span >身故责任</span><span style="color: rgb(136, 136, 136)">（万一身故能赔多少钱给家人）</span><span >；</span></p></li><li><p ><span ><span >养老社区</span></span><span style="color: rgb(136, 136, 136)">（</span><span style="color: rgb(136, 136, 136)">是否对接养老社区，方便养老）</span><span >...</span></p></li></ul><section ><br /></section><section ><span >通过以上几点，我们就能给养老年金险们进行分类了。</span></section><section ><span ><br /></span></section><section ><span ><strong style="color: rgb(33, 89, 103)"><span >二</span></strong></span></section><section ><span ><br /></span></section><section ><span >根据上面总结的几个核心差异点，</span></section><section ><span ><br /></span></section><section ><span >理想情况下，最好的养老金肯定得满足5个条件：</span></section><section ><span ><br /></span></section><section ><strong><span >领取金额高+有保证领取+终身有现金价值+身故责任持续终身+可对接养老社区。</span></strong><span ><br /></span></section><section ><span ><br /></span></section><section ><span >可问题是，不可能实现啊。<br /></span></section><section ><span ><br /></span></section><section ><span >现实情况下，想满足5个上述条件，无异于我去做个理财，</span></section><section ><span ><br /></span></section><section ><span >既要像保险一样安全，又要像银行活期一样灵活，短期内还要有堪比炒股/炒币的巅峰收益</span><span >。</span></section><section ><span style="color: rgb(136, 136, 136)"><br /></span></section><section ><span style="color: rgb(136, 136, 136)">显然不可能，保险作为强监管行业，上头也不可能任由保险公司开发这类产品。</span></section><section ><span ><span ></span></span></section><section ><span ><br /></span></section><section ><span style="color: rgb(33, 89, 103)"><strong><span >三</span></strong></span><br /></section><section ><br /></section><section ><span >回归现实，我们根据几个核心差异，可以把当前养老年金险分为4类：<br /></span></section><section ><span ><br /></span></section><section ><span style="color: rgb(255, 0, 0)"><span ><span >高领取型</span></span><span >：</span></span><span >只追求高额年金领取，钱多就是王道，保证领取/身故责任、现金价值等都为钱让路；<br /></span></section><section ><span ><br /></span></section><section ><span style="color: rgb(255, 0, 0)">全能型</span><span style="color: rgb(255, 0, 0)">：</span><span >各项都有，年金领取金额一般比不过高领取版；</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(255, 0, 0)">增额型</span><span style="color: rgb(255, 0, 0)">：</span><span >和全能型基本一致，差异在于年金领取不固定，而是前低后高，例如养老金每年复利递增7%，或80岁后领取金额翻倍等；<br /></span></section><section ><span ><br /></span></section><section ><span style="color: rgb(255, 0, 0)">高端养老型</span><span style="color: rgb(255, 0, 0)">：</span><span >基本是些“大公司”产品，例如泰康、平安、光大等，重点是满足多少保费可入住自家的养老社区，适合有养老社区需求的人群。</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(136, 136, 136)">Ps：养老社区不归属保险业务，目前对接养老社区的保险通常都是“保险+养老社区”的合作。</span></section><section ><span ><br /></span></section><section ><span >当然，就实际产品来说，这几类养老年金险可能互有交叉。</span></section><section ><span ><br /></span></section><section ><span >例如某热门产品“光xx选”即属于全能型，也对接有养老社区。</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(33, 89, 103)"><strong><span style="color: rgb(33, 89, 103)">四</span></strong></span><br /></section><section ><span ><br /></span></section><section ><span >给养老年金险分好类后，大家根据自己实际需求对号入座即可。<br /></span></section><section ><span ><br /></span></section><section ><span >注意，是实际需求，不是简单凭感觉决定。<br /></span></section><section ><span ><br /></span></section><section ><strong><span >对普通人来说，我更推荐全能型。</span></strong></section><section ><span ><br /></span></section><section ><span >具体原因我在<em>《</em><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247491349&idx=1&sn=4b3121f1d2898a00367c17d63566bc32&chksm=cfb5fc95f8c275835f72aab9b8dd4bb1b9e5a38711d8a011019a1eb3d08057607c4dbf870720&scene=21#wechat_redirect" textvalue="一个无法忽视的坑，关乎所有年金险！" linktype="text" imgurl="" imgdata="null" tab="innerlink"><em>一个无法忽视的坑，关乎所有年金险</em></a><em>》</em>提过：</span></section><section ><span ><br /></span></section><section ><span >就年金险投保来说，</span><strong><span >高领取年金+有保证领取</span></strong><span >这两点才是最高优先级。</span></section><section ><span ><br /></span></section><section ><span >能同时满足这两点的，只有全能型养老年金了。</span></section><section ><span ><br /></span></section><section ><span >高领取型没有保证领取，增额型前期年金领的少，高端养老型除了养老社区没啥亮点。</span></section><section ><span ><br /></span></section><section ><span >除非真有特殊需求</span><span style="color: rgb(136, 136, 136)">（例如丁克家庭选高领取型，很在意养老社区选高端养老型）</span><span >，普通人选全能型肯定不后悔。</span></section><section ><span ><br /></span></section><section ><span >end.<br /></span></section><section ><span ></span></section><section ><span ><br /></span></section><section ><strong ><span style="color: rgba(0, 0, 0, 0.9); text-align: start">看完有疑问，或想了解具体产品，可以加我助手微信</span><strong style="color: rgb(0, 0, 0)"><span >：</span></strong></strong><strong style="color: rgb(0, 0, 0)"><span >dongbaoye888</span></strong></section><section ><strong style="color: rgb(0, 0, 0)"><span ></span></strong></section><section ><br /></section><section ><span style="color: rgb(0, 0, 0)"><strong ><span >或点击下方</span></strong></span><span ><span style="color: rgb(33, 89, 103)"><strong ><span >公众号“免费咨询”菜单</span></strong></span><span style="color: rgb(0, 0, 0)"><strong ><span >找我团队专业保险规划老师帮你解决。</span></strong></span></span></section><section></mpprofile></section><section ><strong><span >相关阅读：</span></strong><span ><br /></span></section><section ><br /></section><section ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247491349&idx=1&sn=4b3121f1d2898a00367c17d63566bc32&chksm=cfb5fc95f8c275835f72aab9b8dd4bb1b9e5a38711d8a011019a1eb3d08057607c4dbf870720&scene=21#wechat_redirect" textvalue="一个无法忽视的坑，关乎所有年金险！" linktype="text" imgurl="" imgdata="null" tab="innerlink"><span >一个无法忽视的坑，关乎所有年金险！</span></a><br /></section><section ><br /></section><section style="text-align: center"><span ><span >— </span><strong >END </strong><span >—</span></span></section><section style="text-align: center"><span style="color: rgb(0, 0, 0)"><strong >愿你家的保单永不出险！</strong></span></section><section style="text-align: center"><span style="color: rgb(0, 0, 0)"><strong ><br /></strong></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FO95eeDepqTPX79HzDmJaNiaohKhfEd58Ok6mcU6JsZickVx1UkAibENclTVHm5e91NUUMib6W0qz9oPUWKFgyR3uYA%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/O95eeDepqTPX79HzDmJaNiaohKhfEd58Ok6mcU6JsZickVx1UkAibENclTVHm5e91NUUMib6W0qz9oPUWKFgyR3uYA/640?wx_fmt=gif" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center"><br /></section><section style="text-align: left"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FAa1Vn4VNXulDSG3kLWEFl66JYfFHuibDsZwPP3g5romOwOBrEvLdFjc8VUrEoXpQflzzTumnt8dW6vKFReAyKnA%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/Aa1Vn4VNXulDSG3kLWEFl66JYfFHuibDsZwPP3g5romOwOBrEvLdFjc8VUrEoXpQflzzTumnt8dW6vKFReAyKnA/640?wx_fmt=gif" alt="懂保爷测评配图" loading="lazy" /><span > <span style="color: rgb(136, 136, 136)">点击阅读原文，查看</span><span style="color: rgb(33, 89, 103)">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>
