<section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FTCogyRTMEicf0YBXZApo78gOoyoicAGb2OGSQts3d2EPy5BGEVicyTibicibgPia4ryCmgfgRic3z1ZZ2QVO83ESNcDVoQ%2F640%3Fwx_fmt%3Djpeg%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/TCogyRTMEicf0YBXZApo78gOoyoicAGb2OGSQts3d2EPy5BGEVicyTibicibgPia4ryCmgfgRic3z1ZZ2QVO83ESNcDVoQ/640?wx_fmt=jpeg&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section ><span >阳光保险集团，<span >保险业的第十家上市险企</span>。</span></section><section ><span >上市后，旗下两大板块，财险和寿险都实现了快速增长。<br /></span></section><section ><span >其中<strong>阳光人寿</strong>在2023年的保费收入位列<strong>行业第9</strong>，"千亿保司"之下第一保司。</span></section><section ><span >阳光无疑是大品牌，最近它推出了一款分红增额寿，备受关注。</span></section><section ><span >名为<strong>增多多6号</strong>，今天详细测评一下。<br /></span></section><section style="text-align: left"><span style="color: rgb(33, 89, 103)"><strong >一、</strong></span></section><section style="text-align: left"><span >按例先来了解产品详情，</span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_jpg%2FttibxYrpmzvTTiaBwsGI1v5QQtFhfal0xsZ0Q0UvgspGpqiaMwOcyyZvqPZQxyhtQW0rnDTej8boIianevtgOzVNWw%2F640%3Fwx_fmt%3Djpeg%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_jpg/ttibxYrpmzvTTiaBwsGI1v5QQtFhfal0xsZ0Q0UvgspGpqiaMwOcyyZvqPZQxyhtQW0rnDTej8boIianevtgOzVNWw/640?wx_fmt=jpeg&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section ><span style="color: rgb(33, 89, 103)"><strong>1、承保公司</strong></span></section><section ><span >阳光人寿成立于2007年，注册资本金<strong>210亿元（92家寿险公司前10）</strong>，</span></section><section ><span >是<strong>阳光保险集团</strong>旗下全国性寿险公司。</span></section><section ><span >目前，公司经营区域已经覆盖29个省、市、自治区。</span></section><section ><span >2023年，阳光人寿的保费收入达到746亿元，位列行业第9；</span></section><section ><strong><span >净利润32.06亿元，实现了连续10年盈利</span></strong><span >。</span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvTTiaBwsGI1v5QQtFhfal0xsbkaibXa7B4rblicskVricVpRjngNZ4blXIAJ8DB6ACF2fyKnibEuA6VZZg%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvTTiaBwsGI1v5QQtFhfal0xsbkaibXa7B4rblicskVricVpRjngNZ4blXIAJ8DB6ACF2fyKnibEuA6VZZg/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: left"><span >综合来看，阳光人寿实力不容小觑，是仅次于寿险老七家的存在。</span></section><section style="text-align: left"><span style="color: rgb(33, 89, 103)"><strong>2、产品详情</strong><br /></span></section><section ><span >回到产品，增多多6号的条款名为<strong>阳光鸿</strong>终身寿险（分红型）。</span></section><section ><span >最高支持70岁的高龄承保，</span></section><section ><strong><span >1-4类职业可投</span></strong><span >，5类及以上的高危职业限制投保，<span >并且<strong>残疾人也不可投</strong>；</span></span></section><section ><span >缴费期除了支持趸交，3/5/10年交，还有个特殊缴费期：<strong>6年交</strong>；<br /></span></section><section ><span >起投金额也不算高，<strong>最低趸交2万</strong>即可上车；</span></section><section ><span >保单功能层面，减保需要满5年，年度减保上限<strong>20%保额</strong>，是很宽松的一种减保规则；</span></section><section ><span >此外，还有<strong>保单贷款、第二投保人、保险金信托2.0（总保费300万起</strong><strong>）</strong>等功能也支持；<br /></span></section><section ><span >最后，投保增多多6号保费达到要求还能享受阳光保险旗下的<strong>养老社区</strong>。</span></section><section ><strong><span >总保费达30万，可以对接旅居。</span></strong><span ></span></section><section ><span >阳光的旅居采用的是与第三方合作的方式，其中就有<strong>星堡</strong>。<br /></span></section><section><p ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvQcA6J4KKVbHfH7GOhr6wy6tzCDr5oW1nNexre12sjAgKypyvqR6iaqk9oVDAicAMcSicpwKIDnJJvFQ%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvQcA6J4KKVbHfH7GOhr6wy6tzCDr5oW1nNexre12sjAgKypyvqR6iaqk9oVDAicAMcSicpwKIDnJJvFQ/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></p><section ><strong><span >总保费达100万，可对接长居。</span></strong><span ></span></section><section ><span >阳光的长居养老社区和泰康一样，也是<strong>重资产自持</strong>的模式，<br /></span></section><section ><span >目前对外运营的是<strong>广东从化阳光人家· 粤港澳全龄康养国际社区</strong>。</span></section></section><section style="text-align: left"><span style="color: rgb(33, 89, 103)"><strong >二、</strong></span></section><section ><span >下面我们进入利益测算环节，大多数人选增额寿最看重的就是保单回报，即现金价值。</span></section><section ><span >挑选了3款当前在售的顶级分红险作对比，</span></section><section ><span style="color: rgb(33, 89, 103)">中英「福满佳」，中邮「悦享盈佳」，招商信诺「利多多3号」。</span></section><section ><span >这三款无论是从保单回报维度，</span></section><section ><span >还是从保司实力、运营状况、分红实现率、投资能力等维度，都无可挑剔。</span></section><section ><span >分红险的回报由保证利益和红利利益构成，我们拆分开来看。</span></section><section ><span >以10岁男孩，总交30万为例，分缴费期（趸交，3/5/10年交）对比。</span></section><section ><span >注：悦享盈佳不支持趸交。</span></section><section ><span style="color: rgb(33, 89, 103)"><strong ><strong style="color: rgb(33, 89, 103)"><span style="color: rgb(33, 89, 103)">1、保证部分（不含分红）</span></strong></strong></span></section><section label="edit by 135editor"><section><section ><section ><section ><section ><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvTTiaBwsGI1v5QQtFhfal0xszQBSPUaaoUZSfebZMxJPvdvoeWCru5Lva5pIPSON3xjQOHWaoAFNicw%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvTTiaBwsGI1v5QQtFhfal0xszQBSPUaaoUZSfebZMxJPvdvoeWCru5Lva5pIPSON3xjQOHWaoAFNicw/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section></section><section ><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvTTiaBwsGI1v5QQtFhfal0xsx1PSb3nbZ4e4OAnMoPxkHa58uDUOC0kuMl0X4CzHMyadaiaaHBnEdZw%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvTTiaBwsGI1v5QQtFhfal0xsx1PSb3nbZ4e4OAnMoPxkHa58uDUOC0kuMl0X4CzHMyadaiaaHBnEdZw/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section></section><section ><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvTTiaBwsGI1v5QQtFhfal0xs3MeUJagDAlicmicuAsibiaicFoicoAow8ExRoRiaG9UlTiczBzbc3JeDAF0POQ%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvTTiaBwsGI1v5QQtFhfal0xs3MeUJagDAlicmicuAsibiaicFoicoAow8ExRoRiaG9UlTiczBzbc3JeDAF0POQ/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section></section><section ><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvTTiaBwsGI1v5QQtFhfal0xs2dHFcjo5GPjxHpuMicXUzZXAoRzpdmgEkL4adn3LA7fyxQ1Z7B9Larg%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvTTiaBwsGI1v5QQtFhfal0xs2dHFcjo5GPjxHpuMicXUzZXAoRzpdmgEkL4adn3LA7fyxQ1Z7B9Larg/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)">左右滑动查看更多</span></section></section></section><section><section style="text-align: left"><span >这部分的保单利益同固收增额寿一样，是我们100%能拿到的。<br /></span></section><section style="text-align: left"><span >不过预定利率的上限为2.5%，而非固收的3%，也就是峰值IRR只能接近2.5%。</span></section><section style="text-align: left"><span >与当前顶级分红增额寿相比，<strong>增多多6号最大的亮点在趸交</strong>。</span></section><section style="text-align: left"><span >与此前保证利益最高的福满佳相比，</span></section><section style="text-align: left"><span >投入30万，持有20年，<br /></span></section><section style="text-align: left"><span >增多多6号45.5万，福满佳45.2万，多3000元左右。</span></section><section style="text-align: left"><span >其他缴费期，由于悦享盈佳的强势加入，加上自身的竞争力较弱，名次滑落到了第3位。</span></section><section style="text-align: left"><span >不过，比起利多多3号还是要优秀不少。<br /></span></section></section></section><section ><span style="color: rgb(33, 89, 103)"><strong ><span style="color: rgb(33, 89, 103)">2、红利部分（保证+分红）</span></strong></span></section><section label="edit by 135editor"><section><section ><section ><section ><section ><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvTTiaBwsGI1v5QQtFhfal0xse5zLpns1qqNZB4VZyZ6hfK9dW0Rpx0ibfiaqrkaqPg5iak4S2iaatia6ibkA%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvTTiaBwsGI1v5QQtFhfal0xse5zLpns1qqNZB4VZyZ6hfK9dW0Rpx0ibfiaqrkaqPg5iak4S2iaatia6ibkA/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section></section><section ><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvTTiaBwsGI1v5QQtFhfal0xsdaDlrHnXYXpq32Bp03diaITGEdaiaDkXF7s9R9q0knJsWmmEibAIx9cCQ%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvTTiaBwsGI1v5QQtFhfal0xsdaDlrHnXYXpq32Bp03diaITGEdaiaDkXF7s9R9q0knJsWmmEibAIx9cCQ/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section></section><section ><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvTTiaBwsGI1v5QQtFhfal0xsA1lMHmY7thtFibunE18ibq2OeHsaVHDM5pUEPcBYyz1J4o6WEyaliacTw%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvTTiaBwsGI1v5QQtFhfal0xsA1lMHmY7thtFibunE18ibq2OeHsaVHDM5pUEPcBYyz1J4o6WEyaliacTw/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section></section><section ><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvTTiaBwsGI1v5QQtFhfal0xsJYZB08YiaP6ICHuZSKVrEugnzH2PJKl60mjt0RERicvpLibHLrusVlnfw%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvTTiaBwsGI1v5QQtFhfal0xsJYZB08YiaP6ICHuZSKVrEugnzH2PJKl60mjt0RERicvpLibHLrusVlnfw/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)">左右滑动查看更多</span></section></section></section><section><section ><span >有分红的加持后，增多多6号的3/5/10年交依旧排名第3，</span></section><section ><span >具体排序为：<span style="color: rgb(33, 89, 103)">福满佳＞悦享盈佳＞增多多6号＞利多多3号</span>。</span></section><section ><span >咱们还是重点看增多多6号的<strong>优势缴费期，依旧是趸交</strong>。<br /></span></section><section ><span >趸交下，增多多6号与回报最高的福满佳差距极其微弱。<br /></span></section><section ><span >比如，持有20年，<br /></span></section><section ><span >福满佳的现金价值为59.3万，IRR3.46%，折合年化单利4.88%；<br /></span></section><section ><span >增多多6号的现金价值接近59.2万，IRR3.45，折合年化单利4.86%。</span></section><section ><span >咱们以10岁男孩为例，得出的结论是趸交增多多6号回报略低于福满佳。</span></section><section ><strong><span >我们再来测算一下30岁男性投保，看看会不会有所不同。</span></strong><span ></span></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_jpg%2FttibxYrpmzvTTiaBwsGI1v5QQtFhfal0xsNaWQFBzqhsGiaXQSvufdbx0jP38ML3eWWlughlUSLcqKl9rocAtRTBA%2F640%3Fwx_fmt%3Djpeg%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_jpg/ttibxYrpmzvTTiaBwsGI1v5QQtFhfal0xsNaWQFBzqhsGiaXQSvufdbx0jP38ML3eWWlughlUSLcqKl9rocAtRTBA/640?wx_fmt=jpeg&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></p><section ><span ></span></section><section ><span >可以看到，<strong>保单第22年开始，增多多6号反超福满佳，回报最高</strong>。<strong><br /></strong></span></section><section ><span >此外，我还测算了<strong>35岁男性投保</strong>，结果是：<br /></span></section><section ><span >增多多6号在保单第7年现金价值就超过了福满佳。</span></section><section ><strong><span style="color: rgb(33, 89, 103)">可见，年龄越大，增多多6号的回报优势就越大。</span></strong></section><section ><span ><strong>最后对回报这块做个小结，</strong></span></section><section ><span >增多多6号3/5/10年交与顶尖产品差距不大，<strong>趸交数据尤为出色</strong>，</span></section><section ><span >保证、红利利益都是表中最高（年龄越大，回报优势越明显）。</span></section><section ><strong><span >如果想一次性交清保费，并且还要大保司的产品，增多多6号绝对是个不错的选择。</span></strong><span ></span></section><section ><strong><span >只是需要注意一点</span></strong><span >，增多多6号的趸交，3/5年交封闭期（现金价值超过已交保费的时间）都是7年。<br /></span></section><section ><span >不确定短期是否要用钱的，建议选择其他封闭期更短的产品。<br /></span></section></section></section><section ><span style="color: rgb(33, 89, 103)"><strong >三、</strong></span></section><section ><span >以上，是分红实现率为100%时，增多多6号所能达到的预期回报水平。<br /></span></section><section style="text-align: left"><span >下面，我们从保司<strong >经营现状、分红实现率、投资能力</strong>三个维度来分析，</span></section><section style="text-align: left"><span >看看增多多6号分红100%实现的可能性。</span></section><section style="text-align: left"><span style="color: rgb(33, 89, 103)"><strong >1、经营现状</strong></span></section><section style="text-align: left"><span style="text-align: justify">经营状况主要体现在保险公司的偿付能力和风险评级，</span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvRm6KPhqroSPHanPQgQoibySPsh9x4C2WJnLRwwK12sI3Hjtiahedp2kibZ6ib0e9LQOYCR9Ekvc55mXw%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvRm6KPhqroSPHanPQgQoibySPsh9x4C2WJnLRwwK12sI3Hjtiahedp2kibZ6ib0e9LQOYCR9Ekvc55mXw/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section ><span >根据最新披露的24年1季度的偿付能力报告显示：</span></section><section ><span >核心偿付能力充足率为<strong >135.16%</strong>，综合偿付能力充足率为<strong >240.26%</strong>。</span></section><section ><span >都远远高于监管要求。</span></section><section label="edit by 135editor"><section ><br /></section><p ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_jpg%2FttibxYrpmzvRm6KPhqroSPHanPQgQoibySIG6haibMTzs6OhdvRzLtSTg8Lib29Tk4wFvZoxHhdJo3IcfS2zIDdVTA%2F640%3Fwx_fmt%3Djpeg%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_jpg/ttibxYrpmzvRm6KPhqroSPHanPQgQoibySIG6haibMTzs6OhdvRzLtSTg8Lib29Tk4wFvZoxHhdJo3IcfS2zIDdVTA/640?wx_fmt=jpeg&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></p><section><section ><span style="text-align: left">2023年第四季度的风险综合评级为<strong>BB级</strong>，也是水平线以上。</span></section><section ><span >整体来看，阳光人寿总体经营平稳，经营状况良好。</span></section><section ><span >阳光作为六家上市险企之一，抗风险能力远超非上市险企，公司经营层面倒是可以放心。<br /></span></section></section></section><section ><span style="color: rgb(33, 89, 103)"><strong >2、分红实现率</strong></span></section><section ><span >增多多6号是新上线的产品，尚未到披露分红实现率的时间，</span></section><section ><span >咱们就参考一下阳光旗下分红产品的过往分红实现率。</span></section><section style="text-align: center"><section ><section ><section ><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_jpg%2FttibxYrpmzvTTiaBwsGI1v5QQtFhfal0xsw6icMASFSLL7Iya9GH9vucgPEp6fEba7c098iaAEHHzWQyP8j4sDt2EA%2F640%3Fwx_fmt%3Djpeg%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_jpg/ttibxYrpmzvTTiaBwsGI1v5QQtFhfal0xsw6icMASFSLL7Iya9GH9vucgPEp6fEba7c098iaAEHHzWQyP8j4sDt2EA/640?wx_fmt=jpeg&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section></section></section></section></section><p style="text-align: center"><span style="color: rgb(136, 136, 136)">向下滑动查看所有内容</span></p><section style="text-align: left"><span >阳光人寿披露了2022、2023两年的分红实现率，一共76款产品。</span></section><section style="text-align: left"><strong><span >最低的一款分了75%，最高的一款分了175%。</span></strong><span ></span></section><section style="text-align: left"><span >拉了个平均值，<strong>2022年平均分红实现率为97%，2023年为93%。</strong></span></section><section style="text-align: left"><span >分红险当前竞争异常激烈，很多朋友已经将100%实现率当成了及格线，</span></section><section style="text-align: left"><span >这种情形下，阳光人寿的分红实现率确实不尽如人意，比较难服众。</span></section><section style="text-align: left"><span ><strong style="text-align: left"><span >不过，这些成绩只能代表过去，并不代表未来。</span></strong></span></section><section style="text-align: left"><span ><strong style="text-align: left"><span ></span></strong></span></section><section style="text-align: left"><span >阳光<span >投资能力在同级别保司中数一数二，</span></span></section><section style="text-align: left"><span >2023年净利润32.06亿元，实现了连续10年盈利。</span></section><section style="text-align: left"><span >这些要素是很多分红全达成100%的保司所不具备的。</span></section><section style="text-align: left"><span ><span style="text-align: left">所以如果从未来分红的长期稳定实现来看，阳光的分红险还是值得期待的。</span></span></section><section style="text-align: left"><span style="color: rgb(33, 89, 103)"><strong>3、投资能力</strong></span></section><section style="text-align: left"><span >分红主要来自利差，而利差=实际投资收益率-预定利率，<br /></span></section><section style="text-align: left"><span >所以投资收益率也是必须要考察的一点。</span></section><section style="text-align: left"><span >考虑到阳光人寿资金体量大，管理难度高，获得高投资收益率不易。<br /></span></section><section style="text-align: left"><span >与其他中小保险公司放一起比较，难免有失公平。<br /></span></section><section style="text-align: left"><span >所以，<strong>我们就拿2024一季度保费排名前10的保险公司做参照。</strong></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_jpg%2FttibxYrpmzvTTiaBwsGI1v5QQtFhfal0xsNtjeJx3icfAjFDY7cBWWrDEajK5qUJCxkp7ia7y7UjHOhHGubaZQH5icg%2F640%3Fwx_fmt%3Djpeg%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_jpg/ttibxYrpmzvTTiaBwsGI1v5QQtFhfal0xsNtjeJx3icfAjFDY7cBWWrDEajK5qUJCxkp7ia7y7UjHOhHGubaZQH5icg/640?wx_fmt=jpeg&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: left"><span >近3年财务投资收益率：<strong>4.41%</strong>，排名第2；</span></section><section style="text-align: left"><span >近3年综合投资收益率：<strong>4.14%</strong>，排名第3。<br /></span></section><section style="text-align: left"><strong><span >投资能力不错，在保费收入前10的公司中名列前茅。</span></strong><span ></span></section><section ><span style="color: rgb(33, 89, 103)"><strong >四、</strong></span></section><section style="text-align: left"><span >增多多6号这款产品，优势在于：</span></section><section style="text-align: left"><strong><span >趸交极具竞争力，保司实力强劲（保费规模行业第9），<span >还有养老社区。</span></span></strong><span ><span ></span></span></section><section style="text-align: left"><span >唯一的缺陷在于，保险公司其他产品分红实现率不尽如人意。</span></section><section style="text-align: left"><span >不过前面也说了，综合投资能力和净利润情况，</span><span >阳光人寿</span><span >未来分红的长期稳定实现</span><span >是值得期待的。</span></section><section style="text-align: left"><span >毕竟未来利率大概率还是长期下行，这种情况下，像阳光这种连续10年稳定盈利的保司个人还是比较看好的。</span></section><section style="text-align: left"><span style="text-align: left">最后，</span><span >如果喜欢大保司，还准备趸交的朋友</span><span >，</span></section><section style="text-align: left"><span >那么</span><span >阳光这款增多多</span><span >6号</span><span >可以重点考虑</span><span >。</span></section><section style="text-align: left"><span style="text-align: left"><strong style="color: rgb(0, 0, 0)"><span style="text-align: left; color: rgb(33, 89, 103)"><em ><strong ><span style="text-align: start">有问题，可扫描</span></strong></em><em ><strong ><span style="text-align: start">下图二维码咨询我团队的专业规划老师。</span></strong></em></span></strong></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%26tp%3Dwebp%26wxfrom%3D5%26wx_lazy%3D1" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/O95eeDepqTOpB6SvNluyC7ibynwMqmmaeYaEESkpsJpZYybXqtHXeYNahSKOQ9dUFW3Eq7ibxWIjmRarPG9x0XKg/640?wx_fmt=gif&tp=webp&wxfrom=5&wx_lazy=1" alt="懂保爷测评配图" loading="lazy" /></section><section></mp-common-profile></section><section ><section ><br /></section></section><section ><section ><br /></section></section><section ><br /></section><p ></mp-style-type></p>
