<section 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"><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FO95eeDepqTNdfSavGzdBTvZtl9gEyQZCfOR66I32BeiaCQlBtVYtY9ghOAxQFRj5sDicZWGszAYnZAjMpsic6IO1A%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/O95eeDepqTNdfSavGzdBTvZtl9gEyQZCfOR66I32BeiaCQlBtVYtY9ghOAxQFRj5sDicZWGszAYnZAjMpsic6IO1A/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><p ><br /></p><section style="color: rgb(51, 51, 51); text-align: justify"><span >“你看的增额终身寿收益只有3.5%，我家产品是3.8%的，买这个更好！”</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><br /></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >这是早些时候，某机构代理人在我咨询增额寿时的原话。</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><br /></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >关注我的老粉估计都很清楚，所有增额终身寿</span><strong><span >定价利率都是3.5%</span></strong><span >，哪来的收益<strong>3.8%</strong>？</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><br /></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >为什么还会有这种说法？</span></section><section ><br /></section><section ><br /></section><section ><span style="color: rgb(33, 89, 103); text-align: start">一、</span></section><section ><br /></section><section ><span >今年2月，<span style="color: rgb(51, 51, 51); text-align: start">银保监会下发了<em>《人身保险产品“负面清单”（2022版）》</em></span>，涉及增额寿的主要有三条：</span></section><section ><span ><br /></span></section><ul ><li><p ><span style="text-align: start; color: rgb(33, 89, 103)">（四十一）增额终身寿险的保额递增比例超过定价利率，存在严重误导隐患。</span></p></li><li><p ><span style="text-align: start; color: rgb(33, 89, 103)">（四十二）增额终身寿险的减保比例设计不合理；加保设计存在变相突破定价利率风险。</span></p></li><li><p ><span style="text-align: start; color: rgb(33, 89, 103)">（六十六）产品现金价值计算不符合一般精算原理，存在长险短做风险。</span><span style="text-align: start; color: rgb(33, 89, 103)"></span></p></li></ul><section ><span style="color: rgb(51, 51, 51); text-align: start"><br /></span></section><section ><span style="color: rgb(51, 51, 51); text-align: start">另外，在银保监定期发布的<em style="color: rgb(34, 34, 34); text-align: justify"><em >《关于近期人身保险产品问题的通报》</em></em>中也提到了增额寿的产品问题：<em style="color: rgb(34, 34, 34); text-align: justify"></em></span></section><section ><span style="color: rgb(51, 51, 51); text-align: start"><em style="color: rgb(34, 34, 34); text-align: justify"><br /></em></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTMia3td53ThouzOxRkszj0nx7Fy2h6JO7kxfr752YMXOApojTk7AyhDHtOxfMBoePUUcDHaK4MuEAg%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTMia3td53ThouzOxRkszj0nx7Fy2h6JO7kxfr752YMXOApojTk7AyhDHtOxfMBoePUUcDHaK4MuEAg/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><span style="color: rgb(51, 51, 51); text-align: start"><br /></span></section><section ><span style="color: rgb(51, 51, 51); text-align: start">这俩文件都提到了一点：</span></section><section ><span style="color: rgb(51, 51, 51); text-align: start"><br /></span></section><section ><span style="color: rgb(51, 51, 51); text-align: start">部分增额终身寿险的<strong>保额递增比例超过了3.5%</strong>，会与<strong>增额寿的定价利率混淆</strong>，存在<strong>噱头营销</strong>风险。<br /></span></section><section ><span style="color: rgb(51, 51, 51); text-align: start"><br /></span></section><section ><span style="color: rgb(51, 51, 51); text-align: start"><em style="color: rgb(34, 34, 34); text-align: justify">注：增额终身寿险的保额，只与产品的身故金设计相关，与产品收益（现金价值）无关。</em></span></section><section ><span style="color: rgb(51, 51, 51); text-align: start"><br /></span></section><section ><span style="color: rgb(51, 51, 51); text-align: start">这就是前面“为啥会有收益3.8%的增额寿”问题的答案。</span></section><section ><span style="color: rgb(51, 51, 51); text-align: start"><br /></span></section><section ><span style="color: rgb(51, 51, 51); text-align: start"><strong>这里的3.8%，并非实际收益率，而是保额增长率，与增额寿的收益无关。</strong></span></section><section ><span ></span></section><section ><span ><br /></span></section><p ><span ><br /></span></p><p ><span style="color: rgb(33, 89, 103); text-align: start">二、</span></p><p ><span ><br /></span></p><p ><span >实际上，不仅有<strong>3.8%</strong>，增额寿的<span style="color: rgb(51, 51, 51); text-align: justify">保额增长</span><span style="color: rgb(51, 51, 51); text-align: justify">率可谓五花八门：</span></span></p><p ><span ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></span></p><p ><span ><span style="color: rgb(51, 51, 51); text-align: justify">有复利<strong>3.6%</strong>的；</span></span></p><p ><span ><br /></span></p><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTMia3td53ThouzOxRkszj0nxJhqD9xTv0xCmCWEiacjrCyqrmLQDiaqO7nTR1Ms4icLFGXq1EPlV56U4A%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTMia3td53ThouzOxRkszj0nxJhqD9xTv0xCmCWEiacjrCyqrmLQDiaqO7nTR1Ms4icLFGXq1EPlV56U4A/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><p ><span ></span></p><p ><br /></p><p ><span >也有复利<strong>3.85%</strong>的；</span></p><p ><span ><br /></span></p><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTMia3td53ThouzOxRkszj0nxUhrJWA5SWKRujcEIicCZFr7nI8xeyp0DGIeZUPs8k6SicBWhob4UEhrw%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTMia3td53ThouzOxRkszj0nxUhrJWA5SWKRujcEIicCZFr7nI8xeyp0DGIeZUPs8k6SicBWhob4UEhrw/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><p ><br /></p><p ><span ><span style="color: rgb(51, 51, 51); text-align: justify">更有复利</span></span><span ><strong>3.99%</strong></span><span ><span style="color: rgb(51, 51, 51); text-align: justify">；</span><br /></span></p><p ><span ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></span></p><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTMia3td53ThouzOxRkszj0nx9t2tAKwz6nv0ibbvmNibBzerxdaQA6Ts3EhzFib2tMW3Eiag8ykVIjKIjQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTMia3td53ThouzOxRkszj0nx9t2tAKwz6nv0ibbvmNibBzerxdaQA6Ts3EhzFib2tMW3Eiag8ykVIjKIjQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><p ><br /></p><p ><span ><span style="color: rgb(51, 51, 51); text-align: justify">甚至复利</span></span><span ><strong>4%</strong></span><span ><span style="color: rgb(51, 51, 51); text-align: justify">；</span></span></p><p ><span ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></span></p><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTMia3td53ThouzOxRkszj0nxFFAfbIl6dgBf3QejOfuKmIGlBK3zr71hSDWXIuft0yneQKPyCkLcXQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTMia3td53ThouzOxRkszj0nxFFAfbIl6dgBf3QejOfuKmIGlBK3zr71hSDWXIuft0yneQKPyCkLcXQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><p ><span ><br /></span></p><p ><span >可问题是，<strong>不管保额增长率多高，跟投保人的收益一点关系都没有啊</strong>。</span></p><p ><span ><br /></span></p><p ><span >保额按4%复利，不代表实际收益有4%，现实中说不定收益还不如保额按3.6%复利的增额寿。</span></p><p ><span ><br /></span></p><p ><span >那些一直说某增额寿收益是复利3.6%、3.8%的代理人，真的，不是无知就是坏。</span><span ></span></p><p ><br /></p><p style="color: rgb(34, 34, 34)"><span >否则官方没必要专门通报这个问题，</span><span >说<strong>存在严重误导隐患和噱头营销风险</strong>。</span></p><p style="color: rgb(34, 34, 34)"><br /></p><p ><br /></p><p ><span style="color: rgb(33, 89, 103); text-align: start">三、</span></p><p ><span ><br /></span></p><p ><span >然而，关于增额寿的复利增长，坑还不止保额增长率这一个。</span></p><p ><span ><br /></span></p><p ><span >当下我又发现了另一个极具误导嫌疑的坑：</span></p><p ><span ><strong><br /></strong></span></p><p ><span ><strong>现金价值增长率</strong>。</span></p><p ><span ><br /></span></p><p ><span >这个坑比较隐晦，因为保额增长率稍有了解就知道跟收益没关系，</span><span >可</span><span >增额寿的收益，就体现在</span><span >现金价值上。</span></p><p ><span ><br /></span></p><p ><span >换句话说，现金价值就是增额寿的<strong>账户金额</strong>。</span></p><p ><span ><br /></span></p><p ><span >那现金价值增长率，不就等于实际收益增长率，难道不能画上等号吗？<br /></span></p><p ><span ><br /></span></p><p ><strong><span >还真不能！</span></strong><span ><br /></span></p><p ><span ><br /></span></p><p ><span >我找个某增额寿的例子<span style="color: rgb(51, 51, 51); text-align: justify">（</span><span style="color: rgb(51, 51, 51); text-align: justify">10岁</span><span style="color: rgb(51, 51, 51); text-align: justify">男孩，趸</span><span style="color: rgb(51, 51, 51); text-align: justify">交30万</span><span style="color: rgb(51, 51, 51); text-align: justify">）</span>，带大家看下：</span></p><p ><span ><br /></span></p><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTMia3td53ThouzOxRkszj0nxxeFCibyyJ5mLbP74D0MeFwYpHlIxaJ8OCoHe5PuI5H9rd0jbFeQ1lnQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTMia3td53ThouzOxRkszj0nxxeFCibyyJ5mLbP74D0MeFwYpHlIxaJ8OCoHe5PuI5H9rd0jbFeQ1lnQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><p ><span ><br /></span></p><p style="color: rgb(34, 34, 34)"><span style="color: rgb(34, 34, 34); text-align: left">除了</span><span style="text-align: left">保费（30</span><span style="text-align: left">万</span><span style="text-align: left">本金</span><span style="text-align: left">）</span><span style="text-align: left">、</span><span style="text-align: left">有效</span><span style="text-align: left">保</span><span style="text-align: left">额（与身故金</span><span style="text-align: left">有关</span><span style="text-align: left">）、</span><strong><span style="text-align: left">现金价值</span></strong><span style="text-align: left">（真实收益，</span><span style="text-align: left">账户金额</span><span style="text-align: left">）</span><span style="text-align: left"></span><span style="text-align: left">等基础数据。</span></p><p style="color: rgb(34, 34, 34)"><span style="text-align: left"></span></p><p style="color: rgb(34, 34, 34)"><span style="color: rgb(34, 34, 34); text-align: left">其中反映增长率的数据有：</span></p><p style="color: rgb(34, 34, 34)"><span style="color: rgb(34, 34, 34); text-align: left"><strong><br /></strong></span></p><p style="color: rgb(34, 34, 34)"><span style="color: rgb(34, 34, 34); text-align: left"><strong>①保额增长率</strong></span><span style="text-align: left; color: rgb(255, 0, 0)"><strong>3.8%</strong></span><span style="color: rgb(34, 34, 34); text-align: left"><strong>；</strong></span></p><p style="color: rgb(34, 34, 34)"><span style="color: rgb(34, 34, 34); text-align: left"><strong>②现金价值增长率</strong></span><span style="text-align: left; color: rgb(255, 0, 0)"><strong>趋近</strong></span><span style="text-align: left; color: rgb(255, 0, 0)"><strong>3.5%</strong></span><span style="color: rgb(34, 34, 34); text-align: left"><strong>；</strong></span></p><p style="color: rgb(34, 34, 34)"><span style="color: rgb(34, 34, 34); text-align: left"><strong>③实际收益率（IRR）</strong></span><span style="text-align: left; color: rgb(255, 0, 0)"><strong>最高3.39%</strong></span><span style="color: rgb(34, 34, 34); text-align: left">。</span></p><p style="color: rgb(34, 34, 34)"><span style="color: rgb(34, 34, 34); text-align: left"><br /></span></p><p style="color: rgb(34, 34, 34)"><span style="color: rgb(34, 34, 34); text-align: left">3.8%的保额增长率已被论证过，和收益无关。<br /></span></p><p style="color: rgb(34, 34, 34)"><span style="color: rgb(34, 34, 34); text-align: left"><br /></span></p><p style="color: rgb(34, 34, 34)"><span style="color: rgb(34, 34, 34); text-align: left">那现金价值增长率呢？</span><span style="text-align: left">3</span><span style="text-align: left">.5%是不是这款增额寿的</span><span style="text-align: left">真实收益</span><span style="text-align: left">增长率？</span></p><p style="color: rgb(34, 34, 34)"><span style="color: rgb(34, 34, 34); text-align: left"><br /></span></p><p style="color: rgb(34, 34, 34)"><span style="color: rgb(34, 34, 34); text-align: left">还是看图，不难看出<span style="color: rgb(34, 34, 34); text-align: left">现金价值增长率都是<strong>基于第1年的现金价值</strong>来复利增长的。</span><br /></span></p><p style="color: rgb(34, 34, 34)"><span style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(34, 34, 34); text-align: left"><br /></span></span></p><p style="color: rgb(34, 34, 34)"><span style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(34, 34, 34); text-align: left">这就产生一个问题，</span></span></p><p style="color: rgb(34, 34, 34)"><span style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(34, 34, 34); text-align: left"><br /></span></span></p><p style="color: rgb(34, 34, 34)"><span style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(34, 34, 34); text-align: left">我们的本金是<strong>300000元</strong>，可增额寿由于存在封闭期，第1年末现金价值（账户金额）只有<strong>243660元</strong>。<br /></span></span></p><p style="color: rgb(34, 34, 34)"><br /></p><p style="color: rgb(34, 34, 34)"><span style="color: rgb(34, 34, 34); text-align: left">明显，用243660作为基数，按3.5%复利增长，这样的现金价值增长率，肯定无法反映</span><span style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(34, 34, 34); text-align: left">真实的收益增长。</span></span></p><p style="color: rgb(34, 34, 34)"><span style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(34, 34, 34); text-align: left"><br /></span></span></p><p ><span style="color: rgb(51, 51, 51); text-align: start"><em style="color: rgb(34, 34, 34); text-align: justify">注：除非一开始交的本金不是30万，而是243660元，并立即复利增长，这种情况下，说真实收益增长率有3.5%没问题。</em></span></p><p ><span style="color: rgb(51, 51, 51); text-align: start"><em style="color: rgb(34, 34, 34); text-align: justify"><br /></em></span></p><p style="color: rgb(34, 34, 34)"><span style="color: rgb(34, 34, 34); text-align: left">因此，<strong>现金价值增长率</strong>与增额寿的实际收益，也没有半毛钱关系。</span></p><p style="color: rgb(34, 34, 34)"><span style="color: rgb(34, 34, 34); text-align: left"><br /></span></p><p style="color: rgb(34, 34, 34)"><span style="text-align: left; color: rgb(33, 89, 103)"><strong>那怎么样才能确定这款增额寿的真实收益增长率？</strong></span></p><p style="color: rgb(34, 34, 34)"><span style="color: rgb(34, 34, 34); text-align: left"><br /></span></p><p style="color: rgb(34, 34, 34)"><span style="color: rgb(34, 34, 34); text-align: left">衡量增额寿真实收益的参数只有1个：</span></p><p style="color: rgb(34, 34, 34)"><span style="color: rgb(34, 34, 34); text-align: left"><br /></span></p><p style="color: rgb(34, 34, 34)"><span style="color: rgb(34, 34, 34); text-align: left"><strong>实际收益率，也叫内部收益率，缩写IRR。</strong><br /></span></p><p style="color: rgb(34, 34, 34)"><br /></p><p style="color: rgb(34, 34, 34)"><span style="text-align: left">正是上图中最后一列的数据。</span><br /></p><p style="color: rgb(34, 34, 34)"><span style="color: rgb(34, 34, 34); text-align: left"><br /></span></p><p style="color: rgb(34, 34, 34)"><span style="color: rgb(34, 34, 34); text-align: left">增额寿的IRR根据持有时间而定，例如案例中:</span></p><p style="color: rgb(34, 34, 34)"><br /></p><ul ><li><section style="color: rgb(34, 34, 34)"><span style="color: rgb(34, 34, 34); text-align: left">持有10年，这款增额寿IRR为2.77%；</span></section></li><li><section style="color: rgb(34, 34, 34)"><span style="color: rgb(34, 34, 34); text-align: left">持有20年，<span style="color: rgb(34, 34, 34); text-align: left">这款增额寿</span><span style="color: rgb(34, 34, 34); text-align: left">IRR</span><span style="color: rgb(34, 34, 34); text-align: left">为3.23%;</span></span></section></li><li><section style="color: rgb(34, 34, 34)"><span style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(34, 34, 34); text-align: left">持有30年，</span><span style="color: rgb(34, 34, 34); text-align: left">这款增额寿</span><span style="color: rgb(34, 34, 34); text-align: left">IRR</span><span style="color: rgb(34, 34, 34); text-align: left">为3.32%;</span></span></span></section></li><li><section style="color: rgb(34, 34, 34)"><span style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(34, 34, 34); text-align: left">...</span></span></span></section></li><li><section style="color: rgb(34, 34, 34)"><span style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(34, 34, 34); text-align: left">持有50年，</span><span style="color: rgb(34, 34, 34); text-align: left">这款增额寿</span><span style="color: rgb(34, 34, 34); text-align: left">IRR</span><span style="color: rgb(34, 34, 34); text-align: left">为3.39%。</span></span></span></span></section></li></ul><p style="color: rgb(34, 34, 34)"><br /></p><p style="color: rgb(34, 34, 34)"><span style="color: rgb(34, 34, 34); text-align: left">就是说，假设在持有50年时，一次用完了增额寿的账户金额，那么这款产品的实际收益率就定格在了<strong>3.39%</strong>。</span></p><p style="color: rgb(34, 34, 34)"><span style="color: rgb(34, 34, 34); text-align: left"><br /></span></p><p style="color: rgb(34, 34, 34)"><span style="color: rgb(34, 34, 34); text-align: left">这个数字，就是实际收益率，</span><span style="text-align: left">而不是</span><span style="text-align: left">3.</span><span style="text-align: left">8%，或者3.5%。</span></p><p style="color: rgb(34, 34, 34)"><span style="text-align: left"><br /></span></p><p style="color: rgb(34, 34, 34)"><span style="color: rgb(33, 89, 103)"><strong><span style="text-align: left">不过遗憾的是，</span></strong></span><span style="text-align: left"><br /></span></p><p style="color: rgb(34, 34, 34)"><span style="text-align: left"><br /></span></p><p style="color: rgb(34, 34, 34)"><span style="text-align: left">在官方通报后，当前新上线的增额寿<strong>保额增长率</strong>确实都统一到了3.5%。</span></p><p style="color: rgb(34, 34, 34)"><span style="text-align: left"><br /></span></p><p style="color: rgb(34, 34, 34)"><span style="text-align: left">可治标不治本，</span><span style="text-align: left">很</span><span style="text-align: left">多</span><span style="text-align: left">I</span><span style="text-align: left">R</span><span style="text-align: left">R不到3.5%</span><span style="text-align: left">的增</span><span style="text-align: left">额寿，还</span><span style="text-align: left">在滥竽充数说自己</span><span style="text-align: left">收益</span><span style="text-align: left">是复利</span><span style="text-align: left">3.5%</span><span style="text-align: left">。</span><span style="text-align: left"></span></p><p style="color: rgb(34, 34, 34)"><span style="text-align: left"><strong><br /></strong></span></p><p style="color: rgb(34, 34, 34)"><span style="text-align: left">并且<strong>现金价值增长率</strong>这个噱头依旧存在。</span></p><p style="color: rgb(34, 34, 34)"><span style="text-align: left"><br /></span></p><p style="color: rgb(34, 34, 34)"><span style="text-align: left">做了好几年的增额终身寿科普，如今感觉仍是任重道远。</span></p><p style="color: rgb(34, 34, 34)"><span style="text-align: left"><br /></span></p><p style="color: rgb(34, 34, 34)"><span style="text-align: left">帮不了所有人，只希望关注我的朋友都别被各种增长率误导了，</span><span style="text-align: left"></span><span style="text-align: left">也希望</span><span style="text-align: left">监管未来能有更好的举措吧...</span></p><p style="color: rgb(34, 34, 34)"><span style="color: rgb(34, 34, 34); text-align: left"><br /></span></p><section style="color: rgb(34, 34, 34); text-align: justify"><strong ><span style="color: rgba(0, 0, 0, 0.9); text-align: start">最后，想了解IRR怎么测算的朋友，</span></strong></section><section style="color: rgb(34, 34, 34); text-align: justify"><br /></section><section style="color: rgb(34, 34, 34); text-align: justify"><strong ><span style="color: rgba(0, 0, 0, 0.9); text-align: start">可以</span></strong><strong style="color: rgb(0, 0, 0)"><span >长按扫描下图二维码进入</span></strong><strong ><span style="color: rgb(33, 89, 103)">【懂保爷】公众号</span></strong><strong style="color: rgb(0, 0, 0)"><span >，关注后点击正下方“免费咨询”菜单找我团队专业规划老师。</span></strong></section><section style="color: rgb(34, 34, 34); text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FO95eeDepqTMPo1WFgwic4R9CzHFtIUiczrkNRONibBIRfJGTrvFFVv9TLx4VFbhuaMT0QD4kklibcE2tribo0a0dDAw%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/O95eeDepqTMPo1WFgwic4R9CzHFtIUiczrkNRONibBIRfJGTrvFFVv9TLx4VFbhuaMT0QD4kklibcE2tribo0a0dDAw/640?wx_fmt=gif" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgb(34, 34, 34); text-align: justify"><br /></section><section style="color: rgb(34, 34, 34); text-align: justify"><span style="color: rgb(0, 0, 0)">相关阅读：</span></section><section ><br /></section><section ><span ><strong>增额寿相关：</strong><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247493052&idx=1&sn=80c05cb3c674992854251298f5c07b6a&chksm=cfb6063cf8c18f2af1f0cc10fa3074419f8b11906b1ab89da99719c3450ca5ffeee35d584cdf&scene=21#wechat_redirect" textvalue="一个不好的信号" linktype="text" imgurl="" imgdata="null" tab="innerlink">一个不好的信号</a></span><br /></section><section ><span ><strong ><span >增额寿科普：</span></strong><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247493287&idx=1&sn=c67de5048364c763c64d745c8554dcf0&chksm=cfb60527f8c18c3174405593f6d532cb8f83f81e138e62eb17fdfc577bfbda31b5d6fac3c7be&scene=21#wechat_redirect" textvalue="关于增额终身寿，我把这些实话一次全告诉你" linktype="text" imgurl="" imgdata="null" tab="innerlink">关于增额终身寿，我把这些实话一次全告诉你</a></span></span></section><section ><span ><strong>减保政策：</strong></span><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247492910&idx=1&sn=a5cdd63fa460660d59517e0435f912e3&chksm=cfb606aef8c18fb895672db8002a9fe0e9f788eda2edf38d72df34b9a5f13da73f926f6d6796&scene=21#wechat_redirect" textvalue="最适合普通人的理财，2022年开始陆续收紧了！" linktype="text" imgurl="" imgdata="null" tab="innerlink" ><span >最适合普通人的理财，2022年开始陆续收紧了！</span></a></section><section ><br /></section><section style="text-align: center"><span ><span >— </span><strong >END </strong><span >—</span></span></section><section></mpprofile></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，</span></span><span style="color: rgb(136, 136, 136)">查看</span><span style="color: rgb(33, 89, 103)">懂保爷严选【理财、养老、保障】产品汇总</span></section><section style="text-align: left"><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>
