余波来袭！高收益增额寿“一死一伤”

<section style="color: rgb(34, 34, 34)"><section ><section ></section><section ><p style="color: rgb(97, 121, 157)">点击上方蓝字发现更多精彩</p></section></section></section><section style="color: rgb(34, 34, 34)"><span style="color: rgb(34, 34, 34)">高收益的老产品一个接着一个下架。</span></section><section style="color: rgb(34, 34, 34)"><span style="color: rgb(34, 34, 34)">究其原因都是因为监管的严格管控。</span></section><section style="color: rgb(34, 34, 34)"><span style="color: rgb(34, 34, 34)">坚决杜绝“长险短做”以及恶性竞争。</span></section><section style="color: rgb(34, 34, 34)"><span style="color: rgb(34, 34, 34)">年初的负面清单也对增额寿做出一系列要求。</span></section><section style="color: rgb(34, 34, 34)"><span style="color: rgb(34, 34, 34)">具体内容可参考：<br /></span></section><section style="color: rgb(34, 34, 34)"><span style="color: rgb(34, 34, 34)"><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MzA4NTkwNTE0Mg==&amp;mid=2247488887&amp;idx=1&amp;sn=a56b66edf1fa9ce129cfa7c77eaca89a&amp;chksm=9fd18eeea8a607f86240d77511e87cfdb3e0aa15be16a76bc0a4df45d836c738afd3331d6166&amp;scene=21#wechat_redirect" textvalue="2023版人身险“负面清单”发布，今年的重点监管对象有了" linktype="text" imgurl="" imgdata="null" tab="innerlink">2023版人身险“负面清单”发布，今年的重点监管对象有了</a></span></section><section style="color: rgb(34, 34, 34)"><span style="color: rgb(34, 34, 34)"><span style="color: rgb(34, 34, 34)">受此影响，<span style="color: rgb(34, 34, 34)">当前顶级收益的增额产品即将“一死一伤”。</span></span></span></section><section style="color: rgb(34, 34, 34)"><span style="color: rgb(34, 34, 34)"><span style="color: rgb(34, 34, 34)"><span style="color: rgb(34, 34, 34)">3</span><span style="color: rgb(34, 34, 34)">月</span><span style="color: rgb(34, 34, 34)">31日</span></span><span style="color: rgb(34, 34, 34)">金玉满堂2.0下架。</span></span><br /></section><section style="color: rgb(34, 34, 34)"><span >乐享年年下架15/20年交缴费期，进入退市阶段。</span></section><section style="color: rgb(34, 34, 34)"><span >自迈入2023年以来，不少产品都在陆续下架。</span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2F1QPP1s0AFkdL7JPRBuyPcO0q3G5wmEicz7ocQs2gHpKzqGEibGeCkgvBGsNucwx2UvvBorFlkPo1nxDKPBUTdaJQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/1QPP1s0AFkdL7JPRBuyPcO0q3G5wmEicz7ocQs2gHpKzqGEibGeCkgvBGsNucwx2UvvBorFlkPo1nxDKPBUTdaJQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgb(34, 34, 34)"><span ></span><span >金玉满堂2.0和乐享年年值得我们抓住机会上车吗？<br /></span></section><section style="color: rgb(34, 34, 34)"><span >我们今天就来详细了解下。</span></section><section style="color: rgb(34, 34, 34)"><strong><span style="color: rgb(33, 89, 103)">一、</span></strong></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_jpg%2F1QPP1s0AFkdL7JPRBuyPcO0q3G5wmEicznKZibCDnfjdC1icm8MVVaUJTl4jZS8OJvK2NQC1SbYmict2wg1FH6xCicA%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_jpg/1QPP1s0AFkdL7JPRBuyPcO0q3G5wmEicznKZibCDnfjdC1icm8MVVaUJTl4jZS8OJvK2NQC1SbYmict2wg1FH6xCicA/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgb(34, 34, 34)"><span >金玉满堂2.0的承保公司弘康人寿，被誉为“最具互联网风格的寿险公司”。</span></section><section style="color: rgb(34, 34, 34)"><span >乐享年年的承保公司昆仑健康，<span style="color: rgb(0, 0, 0)">是国内首批专业健康保险公司之一。</span></span></section><section style="color: rgb(34, 34, 34)"><span style="color: rgb(0, 0, 0)">两家公司推出的产品一直深受市场青睐，都有各自的IP产品。</span></section><section style="color: rgb(34, 34, 34)"><span style="color: rgb(0, 0, 0)">说回产品。<br /></span></section><section style="color: rgb(34, 34, 34)"><span style="color: rgb(0, 0, 0)">金玉满堂2.0是一款标准的增额终身寿险，</span></section><section style="color: rgb(34, 34, 34)"><span style="color: rgb(0, 0, 0)">支持趸/3/5/10/15/20年交，支持加保、隔代投保、第二投保人。</span></section><section style="color: rgb(34, 34, 34)"><span style="color: rgb(0, 0, 0)">配置十分全面，再加上不俗的收益，以及<strong>减保无20%年度限制</strong>。</span></section><section style="color: rgb(34, 34, 34)"><span style="color: rgb(0, 0, 0)">所以深受市场青睐。<br /></span></section><section style="color: rgb(34, 34, 34)"><span style="color: rgb(0, 0, 0)">乐享年年是目前市面为数不多的3.49%老产品之一。<br /></span></section><section style="color: rgb(34, 34, 34)"><span style="color: rgb(0, 0, 0)">收益在目前增额市场中也属第一梯队。</span></section><section ><span style="color: rgb(0, 0, 0)">保费达到50万，可对接<strong>金银花万能账户</strong>。</span></section><section ><span style="color: rgb(0, 0, 0)">保底利率3%，当前结算利率5%。</span></section><section ><span style="color: rgb(0, 0, 0)">本次停售的是15年交和20年交的缴费期。</span></section><section ><span style="color: rgb(0, 0, 0)">需要强制储蓄的，千万别错过。<br /></span></section><section ><span style="color: rgb(0, 0, 0)"><strong style="color: rgb(34, 34, 34)"><span style="color: rgb(33, 89, 103)">二、</span></strong></span><span style="color: rgb(0, 0, 0)"><br /></span></section><section ><span style="color: rgb(33, 89, 103)"><strong><span style="color: rgb(33, 89, 103)">1、简介</span></strong></span></section><section ><span style="color:#000000"><span >增额产品大多基于寿险、护理险等长期险开发。</span></span></section><section ><span style="color:#000000"><span >产品具有一定的保障杠杆，但大家更看重的是可以灵活取用的现金价值，即收益。<br /></span></span></section><section ><span style="color:#000000"><span >评价产品的优劣有三点：<strong>收益（现金价值），封闭期，产品规则</strong>。<br /></span></span></section><section ><span style="color:#000000"><span >目前顶级增额产品年复利可以无限趋近3.5%，能越早达到3.4%就越好。</span></span></section><section ><span style="color:#000000"><span >当收益相近时，就看封闭期，也就是回本时间，这当然是越快越好。<br /></span></span></section><section ><span style="color:#000000"><span >再其次就是产品规则，比如加减保的限制，隔代投保等等。</span></span></section><section ><span style="color: rgb(33, 89, 103)"><strong><span style="color: rgb(33, 89, 103)">2、对比</span></strong></span><br /></section><section ><span style="color:#000000"><span >将金玉满堂2.0、乐享年年与近期一些新品做个对比。</span></span></section><section ><span style="color:#000000"><span style="color: rgb(33, 89, 103)">弘康人寿-金满意足3号；</span></span></section><section ><span style="color:#000000"><span style="color: rgb(33, 89, 103)"><span style="color: rgb(0, 0, 0)"><span style="color: rgb(33, 89, 103)">利安人寿-鑫利来（金</span></span><span style="color: rgb(33, 89, 103)">珏版）；</span></span></span><span ></span></section><section ><span style="color:#000000"><span style="color: rgb(33, 89, 103)">中华人寿-中华盛世（尊享版）；</span></span></section><section ><span style="color: rgb(33, 89, 103)">瑞华保险-颐悦无忧2.0；</span><span style="color: rgb(33, 89, 103)"></span></section><section ><span style="color: rgb(33, 89, 103)">富德生命-鑫至尊</span></section><section ><span style="color: rgb(33, 89, 103)">海保人寿-鑫如意；</span></section><section ><span style="color: rgb(33, 89, 103)">复星联合-康爱一生；</span></section><section ><span style="color: rgb(33, 89, 103)">鼎诚人寿-鼎峰赢家；</span></section><section ><span style="color: rgb(33, 89, 103)">爱心人寿-映山红2.0；</span></section><p ><span style="color: rgb(33, 89, 103)">平安寿险-盛世金越（尊享版）</span><span style="color: rgb(33, 89, 103)">。</span></p><p ><span style="color: rgb(0, 0, 0)"><strong style="color: rgb(34, 34, 34)">2.1 趸交（一次性缴清）</strong></span></p><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_jpg%2F1QPP1s0AFkdL7JPRBuyPcO0q3G5wmEiczxoIpUsCY5Zqgw4yUlUJsibxicxgBjFHPM2k9XYINZO6xGAEsAsyMdBaA%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_jpg/1QPP1s0AFkdL7JPRBuyPcO0q3G5wmEiczxoIpUsCY5Zqgw4yUlUJsibxicxgBjFHPM2k9XYINZO6xGAEsAsyMdBaA/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></p><section ><span style="color: rgb(33, 89, 103)"></span></section><section style="text-align: center"><span style="color: rgb(0, 0, 0)">收益排名前三：</span><span style="color: rgb(255, 0, 0)">红</span><span style="color: rgb(0, 0, 0)">＞</span><span style="color: rgb(255, 104, 39)">橙</span><span style="color: rgb(0, 0, 0)">＞</span><span style="color: rgb(0, 128, 255)">蓝</span><span style="color: rgb(0, 0, 0)">，下同</span></section><section ><span >就收益数据来看：</span></section><section ><span >乐享年年，金玉满堂2.0<span >收益位列</span>top3。</span></section><section ><span >金玉满堂2.0是5年回本，</span><span >中华盛世（尊</span><span >享版）和颐悦无忧2.0都是4年回本。</span></section><section ><span >虽慢了一年，可回本之后，这两位的收益就被金玉满堂2.0甩开。</span></section><section ><span >金满意足3号是新产品中的佼佼者，收益确实不错，但是前期也被金玉满堂2.0甩开。</span></section><section ><span >一份保单持有20年左右被使用才是常态，因此金玉满堂2.0更合乎实际情况。<br /></span></section><section ><span >乐享年年预定利率3.49%，所以收益较高，但金玉满堂2.0的收益与它相差并不大。</span></section><section ><span >考虑到金玉满堂2.0减保无限制，支持第二投保人和隔代投保</span><span style="color: rgb(136, 136, 136)">（在产品规则方面表现更优）。</span></section><section ><span >所以在市场上极具竞争力</span><span >。</span></section><section ><span ></span></section><section ><span style="color:#000000"><span ></span></span></section><section ><span style="color:#000000"><span ><strong style="color: rgb(34, 34, 34)">2.2 三/五年交</strong></span></span></section><p ><span style="color: rgb(0, 0, 0)">三年交收益</span></p><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_jpg%2F1QPP1s0AFkdL7JPRBuyPcO0q3G5wmEiczyiblJNibjDvMfsEh2JYhjY292vBnmkiatW4ticwKR7romIYnzH55IzooKQ%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_jpg/1QPP1s0AFkdL7JPRBuyPcO0q3G5wmEiczyiblJNibjDvMfsEh2JYhjY292vBnmkiatW4ticwKR7romIYnzH55IzooKQ/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></p><p style="text-align: left"><span style="color: rgb(0, 0, 0)">五年交收益</span><span style="color: rgb(0, 0, 0)"></span></p><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_jpg%2F1QPP1s0AFkdL7JPRBuyPcO0q3G5wmEiczqXHBgCPHhVApgm49ku4mQ9BsFVRdriaiaH2Cemwjr8bicJaOUOU7yhWaw%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_jpg/1QPP1s0AFkdL7JPRBuyPcO0q3G5wmEiczqXHBgCPHhVApgm49ku4mQ9BsFVRdriaiaH2Cemwjr8bicJaOUOU7yhWaw/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /><strong style="text-align: justify"><span style="color: rgb(0, 0, 0)"></span></strong></section><p ><span style="color:#000000"><span >三/五年交情况类似，放在一起讨论。</span></span></p><p ><span style="color: rgb(0, 0, 0)">收益前三的依旧是乐享年年、金玉满堂2.0、金满意足3号。</span></p><p ><span style="color: rgb(0, 0, 0)">在第10-20年期间，<span style="color: rgb(0, 0, 0)">三年交的<span style="color: rgb(0, 0, 0)">映山红2.0</span>，<span style="color: rgb(0, 0, 0)">五年交的</span>鼎峰赢家，在新品中表现不错。</span></span></p><p ><span style="color: rgb(0, 0, 0)">一旦拿上来与乐享年年和金玉满堂2.0对比收益，则还是要收敛点。</span></p><p ><span style="color: rgb(0, 0, 0)">毕竟这两位前辈是收益前两名。</span></p><p ><span style="color: rgb(0, 0, 0)">反观金满意足3号，依旧保持着前期乏力，后期加速的姿态。<br /></span></p><p ><span style="color: rgb(0, 0, 0)">前中期如果需要用钱，还是金玉满堂2.0更为适合</span></p><p ><span style="color: rgb(0, 0, 0)">因为两者收益金额相差极小，而<span style="color: rgb(0, 0, 0)">金玉满堂2.0能照顾中期的高收益，且减保无限制、能加保。</span></span></p><p ><span style="color:#000000"><span >作为投资产品，兼顾灵活与高收益，金玉满堂2.0实在是当前最优解。</span></span></p><p ><span style="color: rgb(0, 0, 0)"><strong style="color: rgb(34, 34, 34)">2.4&nbsp;十年交</strong></span></p><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_jpg%2F1QPP1s0AFkdL7JPRBuyPcO0q3G5wmEicz8ZibN0y0N4bdFOeiat3NRtJgww84E15Ds6uldxnR8AW9rHgHWiaicjJIicg%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_jpg/1QPP1s0AFkdL7JPRBuyPcO0q3G5wmEicz8ZibN0y0N4bdFOeiat3NRtJgww84E15Ds6uldxnR8AW9rHgHWiaicjJIicg/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></p><section ><span style="color:#000000"><span ></span></span></section><section ><span style="color: rgb(0, 0, 0)"><span >金玉满堂2.0延续了“全周期高收益”的优势。</span></span></section><section ><span style="color: rgb(0, 0, 0)"><span >中期收益占据第一，后期排在第二。</span></span></section><section ><span style="color:#000000"><span >乐享年年在此缴费期的收益虽然依旧排在前列，但却以微弱的劣势输给金玉满堂2.0以及金满意足3号。</span></span></section><section ><span style="color:#000000"><span >反观这些新品，在回本前后的时间里表现不错，但到了后期都是泯然众人矣。</span></span></section><section ><span style="color:#000000"><span ><span style="color: rgb(0, 0, 0)"><span style="color: rgb(0, 0, 0)"></span></span></span></span></section><section ><span style="color:#000000"><span ></span></span></section><section ><strong><span style="color:#000000"><span >结合以上缴费期来看。</span></span></strong><span style="color:#000000"><span ></span></span></section><section ><span style="color:#000000"><span >金玉满堂2.0收益稳定，兼顾前中后期的整体收益。</span></span></section><section ><span style="color:#000000"><span >并且产品规则方面诚意满满，收益也让人满意。</span></span></section><section ><span style="color:#000000"><span >虽然金满意足3号后期收益会超过金玉满堂2.0，</span></span></section><section ><span style="color:#000000"><span >但却没有兼顾到持有保单20年不用对于我们的考验。</span></span></section><section ><span style="color:#000000"><span >因此，金玉满堂2.0在产品设计上更符合实际，更能打动大家的心。</span></span></section><section ><span style="color:#000000"><span ><strong style="color: rgb(34, 34, 34)">2.4 长期缴费</strong></span></span></section><section ><span style="color: rgb(0, 0, 0)">金玉满堂2.0和乐享年年都支持15和20年交。</span></section><section ><span style="color: rgb(0, 0, 0)">也就是说这两款产品支持全缴费期。</span></section><section ><span style="color: rgb(0, 0, 0)">当前支持全缴费期且收益高的产品并不多，</span></section><section ><span style="color: rgb(0, 0, 0)">乐享</span><span style="color: rgb(0, 0, 0)">年年和金玉满堂2.0是长期缴费最好的两款产品，</span></section><section ><span style="color: rgb(0, 0, 0)">比排名第三的产品高很多，停售后找不到产品替代</span><span style="color: rgb(0, 0, 0)">。</span><br /></section><section style="text-align: left"><span style="color: rgb(33, 89, 103)"><strong ><span style="color: rgb(33, 89, 103)">三、</span></strong></span></section><section style="text-align: left"><span style="color: rgb(0, 0, 0)">本次的金玉满堂2.0的下架，并不是因为产品不好。</span></section><section style="text-align: left"><span style="color: rgb(0, 0, 0)">反而是因为产品不符合监管要求，有点”突出“。</span></section><section style="text-align: left"><span style="color: rgb(0, 0, 0)">从金满意足3号能看出<strong>未来增额寿的相貌：前期收益缓慢，长期持有才有不错的收益。</strong></span></section><section style="text-align: left"><span style="color: rgb(0, 0, 0)">乐享年年下架两个缴费期，也挺让人惋惜。</span></section><section style="text-align: left"><span style="color: rgb(0, 0, 0)"></span></section><section style="text-align: left"><span style="color:#000000"><span ></span></span></section><section style="text-align: left"><span style="color: rgb(0, 0, 0)">长缴费期对于一些年轻人或者现金流并不充裕的人群一个上车机会。</span></section><section style="text-align: left"><span style="color: rgb(0, 0, 0)">通过长期储蓄，锁定利率，复利增值，能一边积累财富，一边扩大财富规模。<br /></span></section><section style="text-align: left"><span style="color: rgb(0, 0, 0)">对于不考虑15/20年交的朋友，可能觉得无伤大雅。</span></section><section style="text-align: left"><span style="color: rgb(0, 0, 0)">但乐享年年已经进入退市阶段，在观望的朋友也得抓紧上车了。</span></section><section style="text-align: left"><span style="color: rgb(0, 0, 0)"></span></section><section style="text-align: center; color: rgb(163, 163, 163) !important"><span style="color: rgb(33, 89, 103)"></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FO95eeDepqTO1KmSN6nDROWblhVFxxYXzKuynrkK6HnMe0ichpzQyyQr6Wnic6m0udMzOsG4pr5G5uH1r2Rg0QmWg%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/O95eeDepqTO1KmSN6nDROWblhVFxxYXzKuynrkK6HnMe0ichpzQyyQr6Wnic6m0udMzOsG4pr5G5uH1r2Rg0QmWg/640?wx_fmt=gif" alt="懂保爷测评配图" loading="lazy" /></section><section ></mp-common-profile></section><section ><span style="color:#000000"><span ></span></span></section><p ></mp-style-type></p>