<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%2FO95eeDepqTNTNpXr5gLdiavO9qfyL22Qxibny9rLTsF711jWrXngBAxU3OBZcPqInicIoRlUbQeey1aiblT5xN7qqg%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/O95eeDepqTNTNpXr5gLdiavO9qfyL22Qxibny9rLTsF711jWrXngBAxU3OBZcPqInicIoRlUbQeey1aiblT5xN7qqg/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><section ><br /></section><section ><span ><strong>一、</strong></span><br /></section><section ><br /></section><section ><span >现在是2021年12月30日。</span></section><section ><span ><br /></span></section><section ><span >距12月31日</span><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247491585&idx=1&sn=8c6fcf0886d96b5cbcde21b2415e786f&chksm=cfb60381f8c18a978166eae35547a4dd2d86f555763c832526dde691394ed11b3099781a65de&scene=21#wechat_redirect" textvalue="互联网保险新规" linktype="text" imgurl="" imgdata="null" tab="innerlink">互联网保险新规</a></span><span >生效，仅剩1天。</span></section><section ><span ><br /></span></section><section ><span >在今天，<br /></span></section><section ><span ><br /></span></section><section ><span >第一推荐的养老年金险 </span><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247492404&idx=1&sn=436b3a488190a5c9545c5b69b5261e0b&chksm=cfb600b4f8c189a23d9b493186f4e9ca25b547c8c5d07c955f3a6b4da716b353526e5b3b953e&scene=21#wechat_redirect" textvalue="光大永明人寿-光明慧选" linktype="text" imgurl="" imgdata="null" tab="innerlink">光大永明人寿-光明慧选</a></span><span > 将在</span><span style="color: rgb(255, 0, 0)">晚上23:30停售</span><span >。</span></section><section ><span style="color: rgb(136, 136, 136)"><br /></span></section><section ><span >除了这款最优秀的养老金，一并停售的产品还有：</span><br /></section><section ><br /></section><ul ><li><p ><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247492458&idx=1&sn=5533f7e07a53d526f9b379031460ba7f&chksm=cfb600eaf8c189fc48686d74817947cfd244b76f3ed904e750553cb59108096f03c9b00c4b13&scene=21#wechat_redirect" textvalue="大黄蜂5号" linktype="text" imgurl="" imgdata="null" tab="innerlink">大黄蜂5号</a></span><span >：21:50停售，第一推荐的儿童重疾险；</span></p></li><li><p ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247492404&idx=1&sn=436b3a488190a5c9545c5b69b5261e0b&chksm=cfb600b4f8c189a23d9b493186f4e9ca25b547c8c5d07c955f3a6b4da716b353526e5b3b953e&scene=21#wechat_redirect" textvalue="京福颐年" linktype="text" imgurl="" imgdata="null" tab="innerlink" ><span >京福颐年</span></a><span >：20:00停售，趸交收益最高的养老年金险。<br /></span></p></li><li><p ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247492415&idx=1&sn=ec9faa52dec2b973a4fa6da58e4efc54&chksm=cfb600bff8c189a9c3c8c29b5d5673e20a30033e0f0123f3c0733f8f08d8aabd1c63d7bf2be8&scene=21#wechat_redirect" textvalue="光明至尊" linktype="text" imgurl="" imgdata="null" tab="innerlink" ><span >光明至尊</span></a><span >：<span >23:30停售，</span>极少数可对接养老社区的增额终身寿险；</span></p></li></ul><section ><span ><br /></span></section><section ><span >其中最可惜莫过于光明慧选了，</span></section><section ><span ><br /></span></section><section ><span >在我过往的评测中，很少有<span >“</span><span >大</span><span >”公司的产品位列第一推荐，</span></span><span >而光明慧选改变了这点。</span></section><section ><span ><br /></span></section><section ><span ><br /></span></section><section ><span ><strong>二、</strong></span></section><section ><span ><br /></span></section><section ><span >我们说过，挑养老金主要看3点：<br /></span></section><section ><br /></section><ul ><li ><p ><strong ><span >1、到领取时间后，每年领取多少年金； </span></strong></p></li><li ><p ><strong ><span >2、保证领取金额：也叫开始领取之后的身故保险金。</span></strong></p></li><li ><p ><strong ><span >3、保单的现金价值：现金价值就是退保能拿回来的钱。</span></strong></p></li></ul><section ><br /></section><section ><span >光明慧选正是当前唯一兼顾这3点，并做到很优秀的产品。<br /></span></section><section ><span ><br /></span></section><section ><span ><span ><strong >收益</strong></span><strong >第一梯队</strong><span >，还能够</span><strong >保证领取20年</strong><span >，不会亏本。</span></span></section><section ><span ><br /></span></section><section ><span >在保证领取期内，一直存在现金价值，必要时可以退保拿一笔钱应急，这个功能现在也少有产品能做到。</span></section><section ><br /></section><p ><span >此外，它还能<strong >对接光大养老社区</strong>，保费≥30万</span><span style="color: rgb(136, 136, 136)">（年交3万交10年即可）</span><span >就能享受养老社区权益，非常稀有。</span></p><p ><br /></p><p ><span >以40岁女性，年交10万，交5年为例：</span></p><p ><span style="text-align: center"><br /></span></p><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTNTNpXr5gLdiavO9qfyL22Qxe4pZCrt7EX466pIOsAL5hIIdjUeMDIPQ6KsYibuwOq2K4h9QZVyk49g%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTNTNpXr5gLdiavO9qfyL22Qxe4pZCrt7EX466pIOsAL5hIIdjUeMDIPQ6KsYibuwOq2K4h9QZVyk49g/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><p ><br /></p><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTNTNpXr5gLdiavO9qfyL22QxasuK5OHAXwoOAuxxTkPVIwK4Jia9odfnFr9fJT9cU7CgmS22mcA5NfQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTNTNpXr5gLdiavO9qfyL22QxasuK5OHAXwoOAuxxTkPVIwK4Jia9odfnFr9fJT9cU7CgmS22mcA5NfQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><p ><br /></p><p ><span style="color: rgb(136, 136, 136)"><span >注：光明慧选包含2个版本，假设</span><span >60岁开始领取养老金，</span></span></p><p ><br /></p><p ><span style="color: rgb(136, 136, 136)">【终身版】是活到老领到老，终身（105岁前）都能领取养老金；</span></p><p ><br /></p><p ><span style="color: rgb(136, 136, 136)">【定期版】只能领到80岁，领取还没终身版高，但80岁结束时，会把未来10年（80岁到90岁）的年金一次性打给我们。要是</span><span style="color: rgb(136, 136, 136)">没活到80岁，就没有满期金了。</span></p><section ><br /></section><section ><span >普通人的养老需求，用光明慧选解决就够了。</span></section><section ><br /></section><section ><span >详细评测：</span><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247492404&idx=1&sn=436b3a488190a5c9545c5b69b5261e0b&chksm=cfb600b4f8c189a23d9b493186f4e9ca25b547c8c5d07c955f3a6b4da716b353526e5b3b953e&scene=21#wechat_redirect" textvalue="停售号角吹响！绝版养老年金险就买这款" linktype="text" imgurl="" imgdata="null" tab="innerlink" wah-hotarea="click" hasload="1" >停售号角吹响！绝版养老年金险就买这款</a></span></section><p ><br /></p><p ><span ><span style="color: rgb(136, 136, 136)">购买入口：</span><a wah-hotarea="click" href="" href="">光明慧选</a></span></p><p ><br /></p><p ><br /></p><p ><span ><strong>三、</strong></span><br /></p><section ><br /></section><section ><span >考虑到明天就是停售大限，</span></section><section ><br /></section><section ><span >今天再给大家同步下明天的重点停售信息。</span></section><section ><span ><br /></span></section><section ><span ><span >先说我们在 </span><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247492485&idx=1&sn=3d08345d50ceaebfa6ee6ab6bc33e951&chksm=cfb60005f8c1891305dd246563224a8f5afd9f9d20561000c8f5c0a09ec202ac4de17972730c&scene=21#wechat_redirect" textvalue="最后时刻，必买产品！" linktype="text" imgurl="" imgdata="null" tab="innerlink">最后时刻，必买产品！</a></span><span > 中提及的4款重点产品：</span></span></section><section ><span ><br /></span></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTMdHLwwJkjfrxmKYibS6Yl8xJlJmHvsKVLwbaGCn3S9fXM1yibGSibTLGrYiab554GA5mHrYT07fibRibIw%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTMdHLwwJkjfrxmKYibS6Yl8xJlJmHvsKVLwbaGCn3S9fXM1yibGSibTLGrYiab554GA5mHrYT07fibRibIw/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section ><br /></section><section ><span >光明慧选和大黄蜂5号今天停售，前面说过不赘述了。</span></section><section ><span ><br /></span></section><section ><span >第一推荐的<span >成人重疾险</span></span><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247492458&idx=1&sn=5533f7e07a53d526f9b379031460ba7f&chksm=cfb600eaf8c189fc48686d74817947cfd244b76f3ed904e750553cb59108096f03c9b00c4b13&scene=21#wechat_redirect" textvalue="超级玛丽5号" linktype="text" imgurl="" imgdata="null" tab="innerlink">超级玛丽5号</a></span><span >是</span><span style="color: rgb(255, 0, 0)">明天中午12点停售</span><span >；<br /></span></section><section ><span >第一推荐的</span><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247492437&idx=1&sn=1c660e6a8dbeec95fd13c0c931437689&chksm=cfb600d5f8c189c3574619b087ab3c441d219b17ceb0d65353d3ef2b2904130d4670ac0c135d&scene=21#wechat_redirect" textvalue="保姑同款" linktype="text" imgurl="" imgdata="null" tab="innerlink">保姑同款</a></span><span >增额终身寿险</span><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247492415&idx=1&sn=ec9faa52dec2b973a4fa6da58e4efc54&chksm=cfb600bff8c189a9c3c8c29b5d5673e20a30033e0f0123f3c0733f8f08d8aabd1c63d7bf2be8&scene=21#wechat_redirect" textvalue="金满意足臻享版" linktype="text" imgurl="" imgdata="null" tab="innerlink">金满意足臻享版</a></span><span >是</span><span style="color: rgb(255, 0, 0)">明晚11点停售</span><span >。<br /></span></section><section ><span ><br /></span></section><section ><span >除了这几款产品，还有些优秀产品同样值得关注：</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(33, 89, 103)"><strong><span >增额终身寿险：</span></strong></span><span ><br /></span></section><section ><br /></section><ul ><li><p ><span >【<strong>利多多</strong>】明晚23:00停售；</span></p></li><li><p ><span >【<strong>增多多珍藏版</strong>】明天中午12:00停售。</span></p></li></ul><section ><br /></section><section ><span style="color: rgb(33, 89, 103)"><strong><span >重疾险：</span></strong></span><span ><br /></span></section><section ><br /></section><ul ><li><p><span >【<strong>达尔文5号荣耀版</strong>】&【<strong>妈咪保贝新生版</strong>】<span >&【<strong>健康保普惠多倍版</strong>】</span>明晚23:00停售；</span></p></li><li><p><span >【<strong>康卫士1号</strong>】明晚23:45停售。</span></p></li></ul><section ><span ><br /></span></section><section ><span >以上都是非常优秀的产品，真有万一错过</span><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247492530&idx=2&sn=8d1c1b6c022161a5a6e6cac4828c1d2d&chksm=cfb60032f8c1892418e26c8c3ff8e26ba6fe1b317a086e3d4dd17da37bcf01f9848b1d67661f&scene=21#wechat_redirect" textvalue="4款必买产品" linktype="text" imgurl="" imgdata="null" tab="innerlink">4款必买产品</a></span><span >，买这些同样可以，差距很小。</span><br /></section><section ><br /></section><section ><span >而在预见的未来</span><span style="color: rgb(136, 136, 136)">（12月31日后）</span><span >，新品都很难做到比肩这些<span >“</span><span >旧产品</span><span >”</span>。</span></section><section ><span ><br /></span></section><section ><span >这场史上最大规模的停售，影响会比我们想象的更深远。<br /></span></section><section ><span ><br /></span></section><section ><span >最后放下购买链接：</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(33, 89, 103)">4款必买产品购买入口：</span></section><section ><br /></section><section ><span style="color: rgb(33, 89, 103)"><a href="" href="">光明慧选</a>、<a href="" href="">金满意足臻享版</a>、<a href="" href="">超级玛丽5号</a>、<a href="" href="">大黄蜂5号</a></span></section><section ><br /></section><section ><strong><span style="color: rgba(0, 0, 0, 0.9); text-align: start">对产品有疑问，可以加我助理小琳微信</span><strong style="color: rgb(0, 0, 0)"><span >：</span></strong></strong><strong style="color: rgb(0, 0, 0)"><span >dongbaoye888</span></strong></section><section ><br /></section><section ><span style="color: rgb(0, 0, 0)"><strong ><span >或点击下方</span></strong></span><span ><span style="color: rgb(33, 89, 103)"><strong ><span >公众号“免费咨询”菜单</span></strong></span><span style="color: rgb(0, 0, 0)"><strong ><span >找我团队专业规划老师帮你解决。</span></strong></span></span></section><section></mpprofile></section><section ><span style="color: rgb(0, 0, 0)">相关阅读：</span></section><section ><br /></section><section ><span ><strong>4款必买产品评测：<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247492485&idx=1&sn=3d08345d50ceaebfa6ee6ab6bc33e951&chksm=cfb60005f8c1891305dd246563224a8f5afd9f9d20561000c8f5c0a09ec202ac4de17972730c&scene=21#wechat_redirect" textvalue="最后时刻，必买产品！" linktype="text" imgurl="" imgdata="null" tab="innerlink"></a></strong><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247492485&idx=1&sn=3d08345d50ceaebfa6ee6ab6bc33e951&chksm=cfb60005f8c1891305dd246563224a8f5afd9f9d20561000c8f5c0a09ec202ac4de17972730c&scene=21#wechat_redirect" textvalue="最后时刻，必买产品！" linktype="text" imgurl="" imgdata="null" tab="innerlink">最后时刻，必买产品！</a></span><br /></section><section ><span ><strong>养老年金险榜单：</strong><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247492404&idx=1&sn=436b3a488190a5c9545c5b69b5261e0b&chksm=cfb600b4f8c189a23d9b493186f4e9ca25b547c8c5d07c955f3a6b4da716b353526e5b3b953e&scene=21#wechat_redirect" textvalue="停售号角吹响！绝版养老年金险就买这款" linktype="text" imgurl="" imgdata="null" tab="innerlink">停售号角吹响！绝版养老年金险就买这款</a><strong><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247492404&idx=1&sn=436b3a488190a5c9545c5b69b5261e0b&chksm=cfb600b4f8c189a23d9b493186f4e9ca25b547c8c5d07c955f3a6b4da716b353526e5b3b953e&scene=21#wechat_redirect" textvalue="停售号角吹响！绝版养老年金险就买这款" linktype="text" imgurl="" imgdata="null" tab="innerlink"></a><br /></strong></span></section><section style="text-align: left"><span ><strong>增额寿险榜单：</strong><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247492415&idx=1&sn=ec9faa52dec2b973a4fa6da58e4efc54&chksm=cfb600bff8c189a9c3c8c29b5d5673e20a30033e0f0123f3c0733f8f08d8aabd1c63d7bf2be8&scene=21#wechat_redirect" textvalue="存钱理财首选，增额终身寿就买这款" linktype="text" imgurl="" imgdata="null" tab="innerlink">存钱理财首选，增额终身寿就买这款</a><strong><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247492415&idx=1&sn=ec9faa52dec2b973a4fa6da58e4efc54&chksm=cfb600bff8c189a9c3c8c29b5d5673e20a30033e0f0123f3c0733f8f08d8aabd1c63d7bf2be8&scene=21#wechat_redirect" textvalue="存钱理财首选，增额终身寿就买这款" linktype="text" imgurl="" imgdata="null" tab="innerlink"></a></strong></span></section><section style="text-align: left"><strong><span >重疾险榜单：</span></strong><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247492458&idx=1&sn=5533f7e07a53d526f9b379031460ba7f&chksm=cfb600eaf8c189fc48686d74817947cfd244b76f3ed904e750553cb59108096f03c9b00c4b13&scene=21#wechat_redirect" textvalue="时间不多了！绝版重疾险就买这款" linktype="text" imgurl="" imgdata="null" tab="innerlink" ><span >时间不多了！绝版重疾险就买这款</span></a><br /></section><section style="text-align: left"><span ><strong >新规解读：</strong></span><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247491585&idx=1&sn=8c6fcf0886d96b5cbcde21b2415e786f&chksm=cfb60381f8c18a978166eae35547a4dd2d86f555763c832526dde691394ed11b3099781a65de&scene=21#wechat_redirect" tab="innerlink" ><span >至暗时刻，互联网人身保险或将全部下架</span></a></section><section style="text-align: center"><br /></section><section style="text-align: center"><span ><span >— </span><strong >END </strong><span >—</span></span></section><section style="text-align: center"><br /></section><section style="text-align: center"><img 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