<p style="text-align: center"><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" ><span ><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEczuAI5hOFBcUbveia7XnXYBgu3Od1JR6x07zySEjeD3MLpa04ibsHxjVJxTh5FJ3mcN42UlXjj6COuYQ%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEczuAI5hOFBcUbveia7XnXYBgu3Od1JR6x07zySEjeD3MLpa04ibsHxjVJxTh5FJ3mcN42UlXjj6COuYQ/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></span></span></a></p><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】<br /></span></p><p ><br /></p><section ><span >小半年过去了，<strong>余额宝的收益率还是徘徊在1.5%左右</strong>。</span></section><section ><br /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEcztRn0CHtng4ibcKuleLDfNicibqOfustrkrepFarUHmcV1vRUdjN29r08k5paSUZ8dLAxou1X0UnYTBQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEcztRn0CHtng4ibcKuleLDfNicibqOfustrkrepFarUHmcV1vRUdjN29r08k5paSUZ8dLAxou1X0UnYTBQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><br /></section><section ><span >相比几年前6%，7%，现在算是废了。</span></section><section ><span > </span></section><section ><span ><strong>对很多一发工资就放余额宝的朋友来说，这习惯怕是以后要改一改了。</strong></span></section><section ><span > </span></section><section ><span >现在把钱放余额宝，跟49年入国军没啥区别了…<span style="color: rgb(136, 136, 136)">（为时已晚）</span></span></section><section ><br /></section><section ><br /></section><section ><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、利率持续下行，钱包无处安放</strong></span></section></section></section></section></section></section><section ><br /></section><section ><span >你们还没感觉到吗？时代变了！</span></section><section ><br /></section><section ><span >银行基准利率一降再降，余额宝看着余额怕是难温饱了。</span></section><section ><br /></section><section ><span >你们看这些<strong>低风险储蓄产品</strong>的现况<span style="color: rgb(0, 0, 0); text-align: start">▼</span><span >：</span></span></section><section ><br /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczuAI5hOFBcUbveia7XnXYBguiaw2U3DOKas4bibGRUZEwwT4mCqyTEQiaL6oBYXYJh2HYTt0bibB7GSv0g%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczuAI5hOFBcUbveia7XnXYBguiaw2U3DOKas4bibGRUZEwwT4mCqyTEQiaL6oBYXYJh2HYTt0bibB7GSv0g/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><span > </span></section><section ><span >六年间，一年期定期存款利率下降41.6%；</span></section><section ><br /></section><section ><span >余额宝年化收益率下降77.6%，</span></section><section ><br /></section><section ><span >储蓄型保险的最高预定利率还算坚挺的，但是也呈下降趋势。</span></section><section ><br /></section><section ><span ><strong>在理财路上想偷懒肯定是不行了。</strong></span></section><section ><br /></section><section ><span ><strong ><span style="color: rgb(33, 89, 103)"><br /></span></strong></span></section><section ><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、<strong >不理财不行，咱们老百姓怎么理财呢？</strong></strong></span></section></section></section></section></section></section><section ><br /></section><section ><span >一般来说，定期存款、大额存单、国债、储蓄型商业保险、住房、美元、黄金这些都是比较<strong>安全稳健的理财方式</strong>。</span></section><section ><br /></section><section ><span >像股票，股票型基金，投资连结保险，期货这些呢，就是完全<strong>不稳定博收益的风险投资方式</strong>，可能收益很高，但也可能亏的血本无归。</span></section><section ><br /></section><section ><span style="color: rgb(136, 136, 136)">所以混乱的配置这些当然不可取，<span >必须先懂一些家庭资产配置知识。</span></span></section><section ><br /></section><section ><span >分享我的独家秘诀给大家，把我们的家庭财富分为5份<span style="color: rgb(0, 0, 0); text-align: start">▼</span>：</span></section><section ><br /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEcztJttWP60pjgwiaRibXkia1EicB6GA2xgSm0bJuUrLEsuzPdWEkJ6NyjhNicVJ3WibkwyiaUibYYPGicfiamH5A%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEcztJttWP60pjgwiaRibXkia1EicB6GA2xgSm0bJuUrLEsuzPdWEkJ6NyjhNicVJ3WibkwyiaUibYYPGicfiamH5A/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center"><br /></section><ul ><li ><p><span >日常消费要用的钱；</span></p></li><li ><p><span >备用应急的钱；</span></p></li><li ><p><span >保命增值的钱；</span></p></li><li ><p><span >闲余博弈的钱；</span></p></li><li ><p><span >保“险”的钱。<br /></span></p></li></ul><section ><br /></section><section ><span ><strong>理财就是要让钱动起来为你工作，并且要学会让不同的钱在不同的岗位上为你工作。</strong></span></section><section ><br /></section><section ><span style="color: rgb(136, 136, 136)">所以理财是花钱让钱干活，</span></section><section ><br /></section><section ><span style="color: rgb(136, 136, 136)">我们需要让钱干哪些活，就是我们的需求。活干的好不好，就是我们的理财能力。</span></section><section ><br /></section><section ><span ><strong>这5份钱具体分多少比例，要根据自己的消费习惯和所处的人生阶段来分，不能一概而论。</strong><br /></span></section><section ><br /></section><section ><span >这张图，知识点很多，具体回头我专门写文章带大家讨论。<br /></span></section><section ><br /></section><section ><strong><span >今天，我们重点讲所有人的第一个必修课：“保命增值的钱”。</span></strong></section><section ><br /></section><section ><span style="color: rgb(136, 136, 136)">保命增值的重点在于，必须保本，必须增值。</span></section><section ><br /></section><section ><span >短期来说，赶紧去找找年化利率在3-4%左右的保本稳定收益的理财产品，目前还不难。</span></section><section ><br /></section><section ><span ><strong>长期来看，在整体利率普遍下行的大趋势下，投资一些能长期锁定利率，并且可以复利增长的理财产品更加明智。</strong></span></section><section ><br /></section><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEcztJttWP60pjgwiaRibXkia1EicBd5g1RDxcxFh3p46DeyiakKv0JXMHq4t1t6bOqAqTTEpNvXibwIiaibTbSw%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEcztJttWP60pjgwiaRibXkia1EicBd5g1RDxcxFh3p46DeyiakKv0JXMHq4t1t6bOqAqTTEpNvXibwIiaibTbSw/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><br /></section><section ><span style="color: rgb(136, 136, 136)">19年《创新经济论坛上》小川行长就讲了：</span></section><section ><br /></section><section ><span style="color: rgb(136, 136, 136)">10年后，我们可能想买一款收益率3%的理财产品都要像汽车牌照摇号一样难了。</span></section><section ><br /></section><section ><span ><strong>除了锁定利率，还要复利增值。</strong><br /></span></section><section style="text-align: center"><br /></section><section ><span >复利的威力可能我们自己都不敢想象，<span >举个例子，本金100万，按4%复利增长滚动的情况下<span style="color: rgb(0, 0, 0); text-align: start">▼</span>：</span></span></section><section ><br /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEcztJttWP60pjgwiaRibXkia1EicBZrGIoyiaLYjk8miaKBPUIueADe9BpVMvoA5r4wPI4dW0NRR3ws56Gpbg%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEcztJttWP60pjgwiaRibXkia1EicBZrGIoyiaLYjk8miaKBPUIueADe9BpVMvoA5r4wPI4dW0NRR3ws56Gpbg/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><br /></section><section ><span style="color: rgb(136, 136, 136)">经过10年，变成148万，相当于单利4.8%；</span></section><section ><span style="color: rgb(136, 136, 136)">经过20年，变成219万，相当于单利6%；</span></section><section ><span style="color: rgb(136, 136, 136)">经过30年，变成324万，相当于单利7.5%；</span></section><section ><span style="color: rgb(136, 136, 136)">经过40年，变成480万，相当于单例9.5%。</span></section><section ><br /></section><section ><span ><strong>如果有一个理财产品，保证我的本金安全，确保锁定这样的长期复利，并且没有风险，还能让我灵活取用。</strong></span></section><section ><br /></section><section ><span >那简直太优秀了！<span >符合我长期理财的所有需求。</span></span></section><section ><span ><br /></span></section><section ><span >所以这样的好产品，大家有必要了解一下：</span></section><section ><span ><br /></span></section><section ><span ><strong><span >这两年很火很火的增额终身寿险，就是这个大环境大需求下的产物。</span></strong></span></section><section ><br /></section><section ><br /></section><section ><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>三、为什么“<strong style="color: rgb(33, 89, 103); text-align: center">增额终身寿险</strong>”这么火？</strong></span></section></section></section></section></section></section><section ><br /></section><section ><span >这是一个很神奇的保险：<br /></span></section><section ><br /></section><section ><span ><strong>1. 作为寿险，保额持续复利增长，越到后期翻倍越多，用于资产传承性价比很高。</strong></span></section><section ><span > </span></section><section ><br /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEcztRn0CHtng4ibcKuleLDfNicibE6Vuc20Hro0zruemiakHrcBLwNjX6dcbCkxiaLVcicGxoGQiaJTrTzlIGA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEcztRn0CHtng4ibcKuleLDfNicibE6Vuc20Hro0zruemiakHrcBLwNjX6dcbCkxiaLVcicGxoGQiaJTrTzlIGA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><span > </span></section><section ><span >上面这个绿色线是增额终身寿险的保额走势，我们明显能看到： </span></section><section ><span > </span></section><section ><span >虽然前期保额较低，<strong>但<strong >中后期涨的很快</strong><span >，最后能超过已交保费的很多倍。</span></strong></span></section><section ><br /></section><section ><span >通常来说，越到后期死亡概率越大，所以用于资产传承比普通的定额终身寿险要更优秀。</span></section><section ><br /></section><section ><span ><strong>2. 作为理财险，一直花，一直有，需要就取出来用，像活期账户；不需要就留着继续复利增值，不用担心越老越没钱。</strong></span></section><section ><br /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEcztJttWP60pjgwiaRibXkia1EicBtVice1ynnhica0kGYxFnSu3y9myhqXvjXu3icXJw8Sia6zY5kelSdGpbIQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEcztJttWP60pjgwiaRibXkia1EicBtVice1ynnhica0kGYxFnSu3y9myhqXvjXu3icXJw8Sia6zY5kelSdGpbIQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><br /></section><section ><span >上面这个紫色线就是<span >增额终身寿险</span>的现金价值走势图，<span >理财功能主要就是通过这个现金价值账户的</span><span style="color: rgb(33, 89, 103)">加保</span><span >和</span><span style="color: rgb(33, 89, 103)">减保</span><span >来实现的。加保减保其实就是类似存钱和取</span></span><span >钱的意思。</span></section><section ><br /></section><section ><span ><strong>所以，我们甚至可以把它当作一个保险公司的升级版 “余额宝”，存钱进去，保单根据合同锁定一个终生利率，然后长期复利滚动增值，期间你还能随取随用。</strong><span >而且这些</span></span><span >都是真真切切写进合同里的，优不优秀？</span></section><section style="text-align: center"><br /></section><section style="text-align: center"><span style="text-align: justify"><br /></span></section><section ><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>四、热销的“<strong style="color: rgb(33, 89, 103); text-align: center">增额终身寿险</strong>”哪个更值得买？</strong></span></section></section></section></section></section></section><section ><br /></section><section ><span >挑选增额终身寿险应该注意哪些点：</span></section><section ><span > </span></section><ul ><li ><p><span ><span style="color: rgb(33, 89, 103)"><strong>现金价值：</strong></span>代表我们的保险值多少钱<span style="color: rgb(136, 136, 136)">（即保单具有的价值）</span>，想要做好储蓄理财，肯定是现金价值<strong>越高</strong>越好，现金价值=我们能拿的钱；</span></p></li></ul><section ><br /></section><ul ><li ><p><span ><span style="color: rgb(33, 89, 103)"><strong>实际收益率（IRR）：</strong></span><span style="text-align: left">IRR是金融体系里衡量投资收益率高低的唯一标准，</span><span style="text-align: left">具体原理比较复杂，大家没必要去细究，只要知道</span>实际收益率<span style="color: rgb(136, 136, 136)">（IRR）</span><strong>越高</strong>，代表收益越高就行；</span></p></li></ul><section ><br /></section><ul ><li ><p><span ><span style="color: rgb(33, 89, 103)"><strong>资金灵活性：</strong></span>灵活性体现在能够随时加保、减保上，减保是必须的，加保有更好，没有也影响不大。</span></p></li></ul><section ><span > <span > </span></span></section><section ><span >纸上谈兵到此结束，开始产品测评。</span></section><section ><br /></section><section ><span >评测几十款产品后，我挑选出了<strong>目前最好的5款</strong>。</span></section><section ><span > </span></section><section ><span >看下对比<span style="color: rgb(0, 0, 0); text-align: start">▼</span>：</span></section><section ><span > </span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczuAI5hOFBcUbveia7XnXYBguOYqnpGv8RtpfKoJxE1Awsjqhzw6ukf2hsvLfrZECU0p24GricibX20uA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczuAI5hOFBcUbveia7XnXYBguOYqnpGv8RtpfKoJxE1Awsjqhzw6ukf2hsvLfrZECU0p24GricibX20uA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><span > </span></section><section ><span >直接说结论：</span></section><section ><span > </span></section><section ><span style="color: rgb(255, 169, 0)">1、从投保门槛来看：</span></section><section ><span > </span></section><section ><span >如意尊2.0、华贵爱都是10000元/年起投，对于预算较少的朋友，可能不如一年几千的<strong>守护神、光明至尊、鑫越人生</strong>友好；</span></section><section ><span > </span></section><section ><span style="color: rgb(255, 169, 0)">2、从缴费期限来看：</span></section><section ><span > </span></section><section ><span ><strong>守护神</strong>和<strong>光明至尊</strong>缴费期限可选性最高，最高能支持20年投保。</span></section><section ><br /></section><section ><span >不过对于储蓄型产品来说，缴费期不是越长越好，大概选择<strong>5/10年</strong>交费是最好的；</span></section><section ><span > </span></section><section ><span style="color: rgb(255, 169, 0)">3、从“减保”灵活性来看：</span></section><section ><span > </span></section><section ><span >这几款产品中<strong>只有守护神、光明至尊最优秀，<span >可随时减保</span><strong >不限次数，不限金额</strong></strong>。</span></section><section ><br /></section><section ><span >而如意尊2.0和华贵爱需要投保2年/1年后才可申请，鑫越人生则需要去柜台办理减保。</span></section><section ><br /></section><section ><span style="color: rgb(255, 169, 0)">4、最后看看最最重要的<strong>现金价值</strong>和<strong>实际收益率</strong>情况：</span></section><section ><br /></section><section ><span >以30岁女性，每年投2万元，交费10年为例<span style="color: rgb(0, 0, 0); text-align: start">▼</span>：<br /></span></section><section ><span > </span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczuAI5hOFBcUbveia7XnXYBguhPHzs2IAHE6HEhQxgRIqNL4TJPaf5xluGxYWvZaiaasuic7ZHOeZAsOg%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczuAI5hOFBcUbveia7XnXYBguhPHzs2IAHE6HEhQxgRIqNL4TJPaf5xluGxYWvZaiaasuic7ZHOeZAsOg/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><span > <br /></span></section><section ><span ><span >绿色底框</span><span >为5款产品的<strong>回本时间</strong>。</span><br /></span></section><section ><br /></section><section ><span ><strong>华贵爱</strong>的回本速度最快，在保单第7个年度，现金价值就已经超过了已交保费，</span></section><section ><span > </span></section><section ><span >而<strong>如意尊2.0</strong>和<strong>鑫越人生</strong>则是在保单第8个年度回本。</span></section><section ><br /></section><section ><span >守护神回本时间比平均水平晚2年，在保费交完第二年开始回本。</span></section><section ><br /></section><section ><span ><span style="color: rgb(255, 76, 0)">标红的数字</span>代表这款产品在同一时间段的现金价值是5款产品中最高的，标红为优秀。</span></section><section ><br /></section><section ><span ><strong>很显然，标红最多的是守</strong><strong>护神，49岁之后，守护神也一直强势领先。</strong></span></section><section ><br /><span >再具体算算实际收益率（IRR），看下图<span style="color: rgb(0, 0, 0); text-align: start">▼</span>：<br /></span></section><section ><br /></section><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEcztJttWP60pjgwiaRibXkia1EicBjlvKuvbmObrbBlXRQIbhQeWcduXsmWGpeAs2SD83mk92SPb2ibgK92w%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEcztJttWP60pjgwiaRibXkia1EicBjlvKuvbmObrbBlXRQIbhQeWcduXsmWGpeAs2SD83mk92SPb2ibgK92w/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><br /></section><section ><span ><strong>第一列守护神全部标红领先。<span >如意尊2.0也还不错，都属于第一档次。</span></strong></span></section><section ><br /></section><section ><span >其他光明至尊、华贵爱和鑫越人生相对差一些。</span></section><section ><span > </span></section><section ><span ><strong>所以从长远收益来看，我肯定会选守护神。<span >如果确实特别在意早两年回本的话，选择如意尊2.0也还可以。</span></strong></span></section><section ><br /></section><section ><br /></section><section ><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>五、以第一推荐的“守护神”为例，看下作用规划</strong></span></section></section></section></section></section></section><section ><br /></section><section ><span >30岁女性选择守护神，年交2万，交10年，总投入20万的情况下<span style="color: rgb(0, 0, 0); text-align: start">▼</span>：</span></section><section ><br /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEcztJttWP60pjgwiaRibXkia1EicB6EhzEAiaFz2bTfPQjyxkINlXvkbynmjQTiaVxjz7p5WibZ3zEqXFBQR6w%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEcztJttWP60pjgwiaRibXkia1EicB6EhzEAiaFz2bTfPQjyxkINlXvkbynmjQTiaVxjz7p5WibZ3zEqXFBQR6w/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><br /></section><section ><span >在10年交费期结束后，她40岁，总投入了20万。</span></section><section ><br /></section><ul ><li ><p><span ><strong>55岁时</strong>，现金价值翻到本金两倍，涨到了40.4万，<strong>收益20.2万</strong>；</span></p></li><li ><p><span ><strong>75岁时</strong>，现金价值翻到本金四倍，涨到了80.3万，<strong>收益60.3万</strong>。</span></p></li></ul><section ><br /></section><section ><span >真心话，作为“保命增值的钱”，真的很可观。</span></section><section ><br /></section><section ><span >投保之后，我们可以怎么用它呢？随便<span >举几个例子你们感受下：</span></span></section><section ><br /></section><section ><span style="color: rgb(255, 169, 0)">1. 规划孩子教育和自己养老<br /></span></section><section ><br /></section><section ><span style="color: rgb(136, 136, 136)">王女士，既担心养老问题，又担心孩子的教育问题，于是在30岁时（宝宝0岁）给自己投保了守护神，每年交5万，连续交10年。</span></section><section ><span > </span></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczuAI5hOFBcUbveia7XnXYBguePz1Fa6NsqsyvzDMsoyaSM7PvvgRvria6G0ZG2sTic3F2yRDOmD4Ry3Q%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczuAI5hOFBcUbveia7XnXYBguePz1Fa6NsqsyvzDMsoyaSM7PvvgRvria6G0ZG2sTic3F2yRDOmD4Ry3Q/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section ><span > </span></section><ul ><li ><p><span >孩子18-24岁时：每年减保5万，作为给孩子大学和研究生生活费；</span></p></li><li ><p><span >等王女士自己60岁时，每年减保5万，作为自己的养老费，直到78岁，账户还剩1万多。</span></p></li></ul><section ><span > </span></section><section ><span style="color: rgb(136, 136, 136)">王女士只需在孩子小时候投保守护神，未来孩子的教育金和自己的养老生活都能有很好的保障。</span></section><section ><span > </span></section><section ><span style="color: rgb(255, 169, 0)">2. 单纯给孩子留笔钱<br /></span></section><section ><br /></section><section ><span >比如孩子0岁时我买了一个增额终身寿，每年投1万，连投10年。</span></section><section ><br /></section><ul ><li ><p ><span >孩子上大学时，18岁到21岁这4年间，每年取1万，共取4万用于大学花费。</span></p></li><li ><p ><span >孩子婚嫁时，30岁左右，一次性取出5万块应急。</span></p></li><li ><p ><span >孩子以后老了到了60岁，能每年领2万块的养老金，一直到80岁；</span></p></li><li ><p ><span >然后到了81岁，还能一次性领取15万。</span></p></li></ul><section ><br /></section><section ><strong><span >有没有吓到，这还是随时领取的情况，如果期间不领取，81岁的累计现金价值是139万。</span></strong></section><section ><br /><span >投入才每年1万块，交10年而已。</span></section><section ><br /></section><section ><span >所以不懂点理财知识，真的会损失几个亿。</span></section><section ><br /></section><section ><span style="color: rgb(255, 169, 0)">3. 让婚前财产增值保护自己<br /></span></section><section ><br /></section><section ><span style="color: rgb(136, 136, 136)">芳芳是个一线城市白领，未婚，工作7年，存了20万，一次性投保守护神。</span></section><section ><br /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczuAI5hOFBcUbveia7XnXYBguuN8ne8icKMo0yOVOw4Yjv0BDQ5jNU7nw9uJrlDO73lFb8P3gmPZgPhg%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczuAI5hOFBcUbveia7XnXYBguuN8ne8icKMo0yOVOw4Yjv0BDQ5jNU7nw9uJrlDO73lFb8P3gmPZgPhg/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><br /></section><ul ><li ><p><span >芳芳如果婚后幸福美满，这个保单就是锦上添花，可以长期持有，复利增值。</span></p></li><li ><p><span >如果婚后缺钱，可以减保一部分应急或作为零花钱。</span></p></li><li ><p><span >万一不幸离婚了，这也是芳芳的婚前财产，全部属于自己所有。</span></p></li></ul><section ><br /></section><section ><span ><strong>所以，作为教育金，婚嫁金，养老金，婚前财产和资产传承都是可以的。</strong></span></section><section ><br /></section><section ><span >更多规</span><span >划方式，大家也可以再探索看看。</span></section><section ><br /></section><section ><br /></section><section ><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>写在最后</strong></span></section></section></section></section></section></section><section ><br /></section><section ><span >增额终身寿险，是保爷真心觉得为数不多的优秀储蓄型保险。<br /></span></section><section ><br /></section><section ><span ><strong >保爷自己当然也果断投保了一份，<span >每年3万，连续投10年。</span></strong><span >上有老下有小，我身上的责任还是挺重的。两个孩子的教育、四位父母后期的赡养，包括自己和爱人的养老，我都需要提前规划。</span></span></section><section ><span ><br /></span></section><section ><span >以后也会多多更新关于家庭资产配置的内容。</span></section><section ><br /></section><section ><span >文中提到的所有产品都能在“<strong>懂保爷</strong>”公众号“<strong>精选保险</strong>”菜单，或点击文末<strong>“阅读原文”</strong>找到详细了解、在线投保。</span></section><section ><span > </span></section><section ><span style="color: rgb(123, 127, 131)">投保成功后，保险公司会发送电子保单到你投保时填写的邮箱里，可在保险公司的官网或者官方微信公众号上查到你的保单。</span></section><section ><br /></section><section ><span ><span style="color: rgb(123, 127, 131)">投保后的理赔等保单服务都可第一时间联系保爷团队，我们提供专业协助服务</span><span style="color: rgb(123, 127, 131)">。</span></span></section><section ><span ><br /></span></section><section ><span ><span >线上投保很简单，但是储蓄险投保前需要了解和计算的知识点很多，大家投保之前先去</span><strong >添加保爷助手微信“dongbaoye888”<strong style="color: rgb(0, 0, 0)">（备注“1对1”）</strong></strong><span >，让助手安排专业的1对1老师来一起帮忙解决问题。</span></span></section><section ><br /></section><section ><br /></section><section ><span style="color: rgb(0, 0, 0)">相关阅读：</span></section><section ><br /></section><section ><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447789289&idx=1&sn=8e5cc154d0b84069e95d998b36dea421&chksm=b2b06bab85c7e2bddf7ac7b31f8fdd18662e23800e5c61fe2ca6f4ffda6ce88cba087105cb0a&scene=21#wechat_redirect" tab="innerlink" hasload="1" >那些把钱存银行或余额宝的人，真的亏大了！</a></span></section><section ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447790521&idx=1&sn=1f2968c7cb226053b2632c62538b7879&chksm=b2b076fb85c7ffed2174e611992322a4b58bbb6c59048b0946158ab3c77f4720456941fb978a&scene=21#wechat_redirect" tab="innerlink" ><span >银行理财崩盘暴雷，想安全增值，我们的钱该何去何从？</span></a><br /></section><section ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447787719&idx=1&sn=a9b80b3e85772fe569fb8a4dfbc4ba4a&chksm=b2b0618585c7e8934554004c34922a850cd82a9537ee2a7868e440eec2688d759e17e1cc4968&scene=21#wechat_redirect" tab="innerlink" ><span >「网上」买保险靠谱吗？</span></a></section><section ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447787614&idx=1&sn=e62a38e3d44b5e2e61c2172d02a31cca&chksm=b2b0611c85c7e80a162070d6133cb47240aa8b26cfd9332b488928534b5ec758c8671f5729f5&scene=21#wechat_redirect" tab="innerlink"><span >没听过的“小”保险公司的产品能买吗？靠谱吗？</span></a></section><section ><br /></section><section style="text-align: center"><span style="color: rgb(136, 136, 136)"><span >— </span><strong >END </strong><span >—</span></span></section><section style="text-align: center"><span style="color: rgb(136, 136, 136)"><strong >愿你家的保单永不出险！</strong></span></section><section style="text-align: center"><br /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FaqibLpHUEcztqnW5ErxRUsSSupvmDQOpR7cvW3RU9Mws1r1icYCicxU76ib0MwTia6WhsRd3ddWevK4OJBFpXianxQzQ%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/aqibLpHUEcztqnW5ErxRUsSSupvmDQOpR7cvW3RU9Mws1r1icYCicxU76ib0MwTia6WhsRd3ddWevK4OJBFpXianxQzQ/640?wx_fmt=gif" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center"><span style="color: rgb(136, 136, 136)"><strong ><span >懂保爷</span></strong><br /></span></section><section style="text-align: center"><span style="color: rgb(136, 136, 136)">做硬核保险评测、找最高性价比产品</span></section><section style="text-align: center"><span style="color: rgb(136, 136, 136)">你人脉圈里的保险专家</span></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); text-align: left">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>吧，谢谢！</span></p></section></section></section>
