打算「10年交」，哪款增额终身寿最有竞争力？

<section style="text-align: center"><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&amp;mid=2447790313&amp;idx=2&amp;sn=55e0cf403a3327c58f7dfcc77ea888c8&amp;chksm=b2b077ab85c7febda44a18349455223c46e61a6d8082f6f51e7dcbb9a81e93eba23d8e4d1845&amp;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%2FO95eeDepqTNZL0n0xzllvCUtmDQnibQ7hQBUZAKiawCwUwffAXL8pyWBGTN5Z4IB5Tc2cgWzlJ7jzqBuiaDicMg5lw%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/O95eeDepqTNZL0n0xzllvCUtmDQnibQ7hQBUZAKiawCwUwffAXL8pyWBGTN5Z4IB5Tc2cgWzlJ7jzqBuiaDicMg5lw/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><section ><br /></section><p ><span >继</span><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&amp;mid=2247496387&amp;idx=1&amp;sn=731db765240dca3ed38b199411af735a&amp;chksm=cfb61143f8c1985579770ddb194aaa814ec671ea7918ac97f252372ad62825c1ca53e82b225e&amp;scene=21#wechat_redirect" textvalue="趸交（一次交清）" linktype="text" imgurl="" imgdata="null" tab="innerlink"><span >趸交（一次交清）</span></a><span >、</span><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&amp;mid=2247496414&amp;idx=1&amp;sn=12af85f263227786964d5508618f698e&amp;chksm=cfb6115ef8c1984862b9bee2e5c59970725238ac2b2a0520fdfc65fda84d30de865f35ca688c&amp;scene=21#wechat_redirect" textvalue="3年/5年交" linktype="text" imgurl="" imgdata="null" tab="innerlink"><span >3年/5年交</span></a><span >后，</span></p><p ><span ><br /></span></p><p ><span >今天接着给大家更新<strong>十年期缴费</strong>的增额产品竞争力排名。</span></p><p ><br /></p><p ><br /></p><p ><span style="color: rgb(33, 89, 103)">一、</span></p><p ><br /></p><p ><span >第一步依旧是“<span >产</span><span >品大筛选</span>”。</span></p><p ><span ><br /></span></p><p ><span >以本金30万，分10年交为例，把</span><span >目前</span><span >支持10年交</span><span >的增额产品都放一块，进行利益对比。</span></p><p ><span ><br /></span></p><p ><span >产品网罗有数十家保险公司的上百款增额寿 ▼：</span></p><p ><br /></p><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTM7JlvalBpich0bEdNLX133u2CJSezE0K2s8BF9ONhsjU9nYRCNBEZxOzDSt4ZQcEvZ9kRUzYJGA3A%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTM7JlvalBpich0bEdNLX133u2CJSezE0K2s8BF9ONhsjU9nYRCNBEZxOzDSt4ZQcEvZ9kRUzYJGA3A/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><p style="text-align: center"><span style="color: rgb(136, 136, 136); text-align: center">节选部分</span></p><p ><span ><br /></span></p><p ><span >其中既有大家熟知的平安、太保、新华等老七家产品，</span></p><p ><span ><br /></span></p><p ><span >也有工行、农行、中行、建行、招行等大银行，及友邦、信诚、中意等外资险企<span >的增额寿。</span><br /></span></p><p ><span ><br /></span></p><p ><span >还有一众或小有名气，或默默无闻的中小规模保险公司。</span></p><p ><br /></p><section ><span >最终在权衡利益和功能后，选出了11款十年期缴费时，<strong>收益排名靠前、具有代表性</strong>的产品，</span><span >分别是：</span></section><section ><span ><br /></span></section><section style="color: rgb(34, 34, 34)"><strong ><span style="color: rgb(33, 89, 103)">1、</span></strong><span style="color: rgb(33, 89, 103)">「<span >弘康</span><span >人寿」-</span><span style="color: rgb(33, 89, 103)">金玉满堂2.0（条款名弘福多多）</span><span ></span><span >；</span></span></section><section style="color: rgb(34, 34, 34)"><strong ><span style="color: rgb(33, 89, 103)">2、</span></strong><span style="color: rgb(33, 89, 103)"><span >「</span><span >富德生命人寿<span >」</span>-瑞祥人生</span>；</span></section><section style="color: rgb(34, 34, 34)"><strong ><span style="color: rgb(33, 89, 103)">3、</span></strong><span style="color: rgb(33, 89, 103)"><span >「和谐健康</span><span ><span >」</span>-人我行</span>；</span></section><section style="color: rgb(34, 34, 34)"><strong ><span style="color: rgb(33, 89, 103)">4、</span></strong><span style="color: rgb(33, 89, 103)">「恒大人寿<span >」</span>-万年禧；</span></section><section style="color: rgb(34, 34, 34)"><strong ><span style="color: rgb(33, 89, 103)">5、</span></strong><span style="color: rgb(33, 89, 103)">「昆仑健康<span >」</span>-岁享金生&amp;<span >乐享年年</span>；</span></section><section style="color: rgb(34, 34, 34)"><strong ><span style="color: rgb(33, 89, 103)">6、</span></strong><span style="color: rgb(33, 89, 103)">「信泰<span >人寿<span >」</span>-如意鑫享</span><span >；</span></span></section><section style="color: rgb(34, 34, 34)"><strong ><span style="color: rgb(33, 89, 103)">7、</span></strong><span style="color: rgb(33, 89, 103)"><span ><span >「</span><span >和泰人寿<span >」</span>-增多多3号泰山版（<span >条款名</span>鑫享盈2022版）</span></span>；</span></section><section style="color: rgb(34, 34, 34)"><strong ><span style="color: rgb(33, 89, 103)">8、</span></strong><span style="color: rgb(33, 89, 103)">「大家养老<span >」</span>-大盈之家；</span></section><section style="color: rgb(34, 34, 34)"><strong ><span style="color: rgb(33, 89, 103)">9、</span></strong><span style="color: rgb(33, 89, 103)">「鼎诚人寿<span >」</span>-鼎峰赢家；</span></section><section style="color: rgb(34, 34, 34)"><span style="color: rgb(33, 89, 103)"><strong>10、</strong><span style="color: rgb(33, 89, 103)">「</span><span style="color: rgb(33, 89, 103)">弘康</span><span style="color: rgb(33, 89, 103)">人寿」-弘运相传。</span></span></section><section style="color: rgb(34, 34, 34)"><span style="color: rgb(33, 89, 103)"></span></section><section ><br /></section><section ><span >接下来就是</span><span ></span><span >从这些顶流产品中，继续选出</span><span >目前10年交时竞争力拉满、最值得买的增额终身寿了。</span></section><section ><span ></span></section><section ><span style="color: rgb(136, 136, 136)"><br /></span></section><section ><span style="color: rgb(136, 136, 136)"><br /></span></section><section ><span style="color: rgb(33, 89, 103)">二、</span></section><section ><br /></section><section ><span >首先来看上面11款顶级产品的现金价值（账户金额）对比：</span></section><section ><br /></section><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTM7JlvalBpich0bEdNLX133uB1D9aPrmTCTU5bicNEN6pMhOxKGSeh2rh22YBv7tw3ONXcv2evm8JicA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTM7JlvalBpich0bEdNLX133uB1D9aPrmTCTU5bicNEN6pMhOxKGSeh2rh22YBv7tw3ONXcv2evm8JicA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center"><span style="color: rgb(136, 136, 136)">收益前三标记为：</span><span style="color: rgb(255, 0, 0)">红</span><span style="color: rgb(136, 136, 136)">＞</span><span style="color: rgb(255, 104, 39)">橙</span><span style="color: rgb(136, 136, 136)">＞</span><span style="color: rgb(0, 128, 255)">蓝</span><span style="color: rgb(136, 136, 136)">，下同</span></section><section ><span ><br /></span></section><section ><span >不难看出，综合收益位列top5的</span><span >是：</span></section><section ><span style="color: rgb(255, 0, 0)"><br /></span></section><section ><span style="color: rgb(255, 0, 0)">和谐-人我行＞恒大-万年禧＞信泰-如意鑫享＞弘康-金玉满堂2.0＞昆仑-岁享金生；</span></section><section ><span ><br /></span></section><section ><span >人我行蝉联第一，封闭期仅8年，交完钱后账户金额即冠绝全市场；</span></section><section ><span ></span></section><section ><span ><br /></span></section><section ><span >top2、top3分别是恒大-万年禧和信泰-如意鑫享。</span></section><section ><span ><br /></span></section><section ><span >其中如意鑫享7年即可回本，前期收益也有一定优势。</span></section><section ><br /></section><section ><span >减保灵活性上，万年禧、如意鑫享、金玉满堂2.0都</span><span >没有20%的年度限制。</span></section><section ><span ><br /></span></section><section ><span >人我行和岁享金生每年最多20%，不退保的前提下，需要5年才能减完。</span></section><section ><br /></section><section ><strong><span >剩下产品中</span></strong><span >，</span></section><section ><span ><br /></span></section><section ><span >乐享年年、瑞祥人生这俩收益</span><span >仅比top5略低，可以作为备选；</span></section><section ><br /></section><section ><span >大盈之家整体收益不低，但前期收益增速较慢，前15年几乎没法用，后期才发力。</span></section><section ><span ><br /></span></section><section ><span >鼎峰赢家和弘运相传，收益虽低一些，不过有自己的独特优势。</span></section><section ><span ><br /></span></section><section ><span >如鼎峰赢家关联的万能账户不错，弘运相传支持隔代投保、双被保人、第二投保人及保险金信托等。<br /></span></section><section ><span ><br /></span></section><section ><span >收益不差，功能丰富，肯定就有一席之地。</span></section><section ><span ><br /></span></section><section ><em><span >增多多泰山版只在山东地区开放购买，这里不作为公众产品推荐。</span></em></section><section ><span ></span></section><section ><span ><br /></span></section><section ><span ><br /></span></section><section ><span style="color: rgb(33, 89, 103)">三、</span></section><section ><br /></section><section ><span ><span style="color: rgb(34, 34, 34)">接着看下top5产品的详细收益数据。</span></span></section><section ><span ></span></section><section ><br /></section><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTM7JlvalBpich0bEdNLX133uMBavBh53xNth5jWQvOdIib3EiaVGTmPSx8jibrjJnr2XjMHp82jYCiad7g%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTM7JlvalBpich0bEdNLX133uMBavBh53xNth5jWQvOdIib3EiaVGTmPSx8jibrjJnr2XjMHp82jYCiad7g/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><p ><br /></p><p ><span >每年存3万，连续存10年，</span></p><p ><span ><br /></span></p><p ><span >这些产品交完钱后（10年后），账户通常就能达到36万左右，净赚约6万；<br /></span></p><p ><span ><br /></span></p><p ><span >前期不用，等到第25年时，账户金额直接翻倍，30万本金变成60万，</span><span >净赚30万，相当于存银行拿5%的年利率</span><span >。</span></p><p ><span ><br /></span></p><p ><span >如果是给自己养老，</span></p><p ><span ><br /></span></p><p ><span >以30岁开始存为例，本金30万，那么65岁退休时账户就有85万，年利率能有6%，还是非常可观的。<br /></span></p><p ><br /></p><p ><span >具体到产品，4</span><span >款都是老面孔了，也</span><span >都专门写过测评</span><span style="color: rgb(34, 34, 34)">：</span></p><p style="color: rgb(34, 34, 34)"><span ><br /></span></p><p style="color: rgb(34, 34, 34)"><span >金玉满堂2.0：<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&amp;mid=2247496182&amp;idx=1&amp;sn=f86869ec621ffa90167a1a44c7e1299d&amp;chksm=cfb61276f8c19b6019d79470559c00a74517b1a908279c24f8c6c911778a875dd000ff30a320&amp;scene=21#wechat_redirect" textvalue="弘康「金玉满堂2.0」，再次扛起大旗" linktype="text" imgurl="" imgdata="null" tab="innerlink" hasload="1" >弘康「金玉满堂2.0」，再次扛起大旗</a></span></p><p style="color: rgb(34, 34, 34)"><br /></p><p style="color: rgb(34, 34, 34)"><span >万年禧：<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&amp;mid=2247496266&amp;idx=1&amp;sn=6c431eb6c947ce0229497074d627b2bd&amp;chksm=cfb611caf8c198dc86ffe09a989d54519ebf9edda6acdbdd74cc3f9fd1fb1cf6dac86efc0227&amp;scene=21#wechat_redirect" textvalue="喜闻乐见，这款好产品又回来了" linktype="text" imgurl="" imgdata="null" tab="innerlink" hasload="1" >喜闻乐见，这款好产品又回来了</a></span></p><p style="color: rgb(34, 34, 34)"><br /></p><p style="color: rgb(34, 34, 34)"><span >人我行：<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&amp;mid=2247496145&amp;idx=1&amp;sn=243e331abe1e9218d214617324a00278&amp;chksm=cfb61251f8c19b47871eef7c066ba5a3aa6b93983d33b76f7d4eb8a97c30e59e4195ffcf3c9f&amp;scene=21#wechat_redirect" textvalue="年复利3.49%，“大清洗”后有俩漏网之鱼暂存" linktype="text" imgurl="" imgdata="null" tab="innerlink" hasload="1" ><span >年复利3.49%，“大清洗”后有俩漏网之鱼暂存</span></a></span></p><p style="color: rgb(34, 34, 34)"><span ><br /></span></p><p style="color: rgb(34, 34, 34)"><span >如意鑫享：<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&amp;mid=2247496325&amp;idx=1&amp;sn=d8c699a58ceeeb7aea7c4660ee85481d&amp;chksm=cfb61105f8c198134aba5a014c49aafd825e184848ffd1b554be7195f4dbff08f6cb1adbeac3&amp;scene=21#wechat_redirect" textvalue="这几款特殊的年金险，想抢增额寿的“生意”" linktype="text" imgurl="" imgdata="null" tab="innerlink" hasload="1" >这几款特殊的年金险，想抢增额寿的“生意”</a></span></p><p ><br /></p><p ><span >唯一的新面孔是昆仑的<strong>岁享金生</strong>。</span></p><p ><br /></p><p ><span >相较此前测评的top5，岁享金生恰好顶替的是自家的兄弟产品——乐享年年。<br /></span></p><p ><span ><br /></span></p><p ><span >这是因为乐享年年的优势缴费期只在于趸交、3年交、5年交（足以位列市面前三），</span><span >10年交向来不太行。</span></p><p ><br /></p><p ><span >而岁享金生正是昆仑<span >补足</span>10年交收益短板的产品。</span></p><p ><span ><br /></span></p><p ><span >由于同属昆仑旗下，产品功能和服务这块，岁享金生和乐享年年都差不多，主要区别就是收益。</span></p><p ><span ><br /></span></p><p ><span >现在趸交、3/5年交有乐享年年，</span><span >1</span><span >0年交有岁享金生，可能也正是昆仑健康产品策略的一部分了。</span><span ></span></p><p ><br /></p><section ><strong><span >总的来说，以上5款增额产品在10年交时表现异常出彩，都是该缴费期下的顶级产品。</span></strong></section><section ><br /></section><section ><span >打算十年期缴费的朋友，可以优先考虑。</span></section><section ><br /></section><section ><span >具体可根据咱们的</span><span >挑选建议和实际需求，对号入座：</span></section><section ><br /></section><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTPWCAdlRRibfJhficAds2NhHW6q430DBiaA7ANDT3odAna1iawibCVhr74aQlfu8dLNqlkklf3s9rOoYcQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTPWCAdlRRibfJhficAds2NhHW6q430DBiaA7ANDT3odAna1iawibCVhr74aQlfu8dLNqlkklf3s9rOoYcQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><br /></section><section ><span >如有特定需求，再去考虑其他增额产品。</span><br /></section><section ><br /></section><section style="color: rgb(34, 34, 34)"><strong style="color: rgb(0, 0, 0)"><span style="color: rgb(33, 89, 103)"><em ><strong ><span style="text-align: start">产品购买链接，可以扫描</span></strong></em><em ><strong ><span style="text-align: start">下图二维码找我团队专业规划老师获取。</span></strong></em></span></strong></section><section style="color: rgb(34, 34, 34)"><span style="text-align: center"><br /></span></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%2FO95eeDepqTO1KmSN6nDROWblhVFxxYXzKuynrkK6HnMe0ichpzQyyQr6Wnic6m0udMzOsG4pr5G5uH1r2Rg0QmWg%2F640%3Fwx_fmt%3Dgif%26wxfrom%3D5%26wx_lazy%3D1" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/O95eeDepqTO1KmSN6nDROWblhVFxxYXzKuynrkK6HnMe0ichpzQyyQr6Wnic6m0udMzOsG4pr5G5uH1r2Rg0QmWg/640?wx_fmt=gif&wxfrom=5&wx_lazy=1" alt="懂保爷测评配图" loading="lazy" /></section><section ><br /></section><section ><span style="color: rgb(0, 0, 0)">相关阅读：</span></section><section ><br /></section><section ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&amp;mid=2247493287&amp;idx=1&amp;sn=c67de5048364c763c64d745c8554dcf0&amp;chksm=cfb60527f8c18c3174405593f6d532cb8f83f81e138e62eb17fdfc577bfbda31b5d6fac3c7be&amp;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" ><span >关于增额终身寿，我把这些实话一次全告诉你</span></a></section><section ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&amp;mid=2247493695&amp;idx=1&amp;sn=602be87444f60d488f5e939b266266b8&amp;chksm=cfb60bbff8c182a9810d4651eac0ffe5b72305114fc2cb8a49fb96996fd3ef4af5cfefd91662&amp;scene=21#wechat_redirect" textvalue="增额寿爆火背后，别人是怎么买的？怎么考虑的？" linktype="text" imgurl="" imgdata="null" tab="innerlink" ><span >增额寿爆火背后，别人是怎么买的？怎么考虑的？</span></a></section><section ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&amp;mid=2247493504&amp;idx=1&amp;sn=fe6fef6b0bdb5390409f74eeea7d57a4&amp;chksm=cfb60400f8c18d164c7051205062f7944b9539f2ed43df5f72f71cbdfdb93f1e4228b76510b4&amp;scene=21#wechat_redirect" textvalue="比存银行更好的存钱新路子" linktype="text" imgurl="" imgdata="null" tab="innerlink"><span >比存银行更好的存钱新路子</span></a></section><section ><br /></section><section style="text-align: center"><span ><span >—&nbsp;</span><strong >END&nbsp;</strong><span >—</span></span></section><section ></mp-common-profile></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 >&nbsp; &nbsp;&nbsp;<span style="color: rgb(136, 136, 136)">点击阅读原文，查看</span><span style="color: rgb(33, 89, 103)">懂保爷严选【理财、养老、保障】产品汇总</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><p ></mp-style-type></p>