<section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvRMRQ8Ot4BB9nrCw1EicbYY3lJMPC5n8NEwOm04yG4OtkRLNkOJZSCeey71IM1UpXswicff1otoiaAJg%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26tp%3Dwebp%23imgIndex%3D0" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvRMRQ8Ot4BB9nrCw1EicbYY3lJMPC5n8NEwOm04yG4OtkRLNkOJZSCeey71IM1UpXswicff1otoiaAJg/640?wx_fmt=png&from=appmsg&wxfrom=5&wx_lazy=1&tp=webp#imgIndex=0" alt="懂保爷测评配图" loading="lazy" /></span></span></section><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >定期寿险，是每个成年人必不可少的保险，</span></span></font><font face="Noto Sans SC" style="color: rgb(235, 201, 0); text-align: justify"><span style="color: rgb(235, 201, 0); text-align: justify">每年六百多，保额却可以做到</span></font><font face="Noto Sans SC" style="color: rgb(235, 201, 0); text-align: justify"><span style="color: rgb(235, 201, 0); text-align: justify">100万，</span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >成本很低，但可以产生很大的作用。</span></span><span style="color: rgb(235, 201, 0); text-align: justify"><span><br /></span></span></font></p><section nodeleaf=""></mp-common-videosnap></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong ><span style="color: rgba(0, 0, 0, 0.9)"><br /></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong ><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(64, 34, 15)">一</span></span><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><br /></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong ><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><font face="Noto Sans SC"><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span text >大麦2026A款VS定海柱8号，深度测评</span></span></font></span></strong></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >不过市面上定期寿险五花八门，到底哪一款更划算、更值得入手呢？今天我选了大家买得比较多的两款产品</span></span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >--</span><span text >华贵人寿的大麦2026A款，和国富人寿的定海柱8号</span><span text >，</span></span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >来作个测评，带大家分清楚定期寿险产品的重点在哪里。</span></span></font></p><section style="text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXMEeoLuvIb7veuDC2Zc99WTN5jzclO5rHiaSibVQj1PzhO66FO0ObS3xcGib8CX1tjFWQvVffHiaAP6GKVEj416Y5WTOiaUpeQ3kNP8%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXMEeoLuvIb7veuDC2Zc99WTN5jzclO5rHiaSibVQj1PzhO66FO0ObS3xcGib8CX1tjFWQvVffHiaAP6GKVEj416Y5WTOiaUpeQ3kNP8/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >先看下价格，以</span></span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >100万保额，保障至60岁，30年缴费，30岁女性为例，</span></span><span style="color: rgb(235, 201, 0); text-align: justify">大麦是每年662元，定海柱是每年643元</span><span style="color: rgba(0, 0, 0, 0.9)"><span text >，定海柱的要便宜一点点，但差的不多。</span></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >对于一款定期寿险来说，因为很多人会买很大的保额。所以保额上限这块比较重要，</span></span></font><font face="Noto Sans SC" style="color: rgb(235, 201, 0); text-align: justify"><span style="color: rgb(235, 201, 0); text-align: justify">大麦最高能买</span></font><font face="Noto Sans SC" style="color: rgb(235, 201, 0); text-align: justify"><span style="color: rgb(235, 201, 0); text-align: justify">400万保额，定海柱最高只能买到200万</span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >，像一二线城市，背负房贷比较多的人群，或者家庭经济支柱的收入非常高的人群，定海柱可能不太够。</span></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >保障期限上面，定海柱倒是挺好的，比大麦多了保障</span></span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >10年的选项。能匹配很短期的需求，比如50岁了，只想花很少的钱买10年的保障，可以买定海柱。</span></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgb(235, 201, 0); text-align: justify">健康告知大麦比定海柱要严格一些</span><span style="color: rgba(0, 0, 0, 0.9)"><span text >，虽然不会询问结节，但对于</span></span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >46周岁以上的人，会增加问询近2年内的就医行为。</span></span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >不过一般买定期寿的人反而比较年轻力壮，可能</span></span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >30岁左右比较多，这条就没关系了。</span></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >另外，</span></span></font><font face="Noto Sans SC" style="color: rgb(235, 201, 0); text-align: justify"><span style="color: rgb(235, 201, 0); text-align: justify">大麦对于</span></font><font face="Noto Sans SC" style="color: rgb(235, 201, 0); text-align: justify"><span style="color: rgb(235, 201, 0); text-align: justify">BMI有硬性要求，体重如果严重超标的话，可能买不了。</span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >定海柱对于</span></span></font><font face="Noto Sans SC" style="color: rgb(235, 201, 0); text-align: justify"><span style="color: rgb(235, 201, 0); text-align: justify">乙肝携带、大小三阳、甲状腺</span></font><font face="Noto Sans SC" style="color: rgb(235, 201, 0); text-align: justify"><span style="color: rgb(235, 201, 0); text-align: justify">/乳腺/肺结节全都不用告知，BMI放宽到33</span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >，对于体重超标、体检一堆小异常、亚健康人群，相对比较友好。</span></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >不过投保的时候，我们都会帮大家详细测试核保情况，尽量是拿到最优的产品，最优的核保结果。</span></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><br /></span></font></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong ><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(64, 34, 15)">二</span></span><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><br /></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong ><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span text >可选保障，两款产品各有特色</span></span></strong></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >最后，再带大家看下可选保障，这两款产品都可选水陆空公共交通意外身故</span></span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >/全残保险金，和航空意外身故/全残关爱金，但赔付额度不一样。</span></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >大麦对于航空意外，</span></span></font><font face="Noto Sans SC" style="color: rgb(235, 201, 0); text-align: justify"><span style="color: rgb(235, 201, 0); text-align: justify">最高赔</span></font><font face="Noto Sans SC" style="color: rgb(235, 201, 0); text-align: justify"><span style="color: rgb(235, 201, 0); text-align: justify">1000万、水陆公共交通最高赔 800 万</span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >，常年坐飞机、高铁出差的人，意外兜底更强；</span></span></font></p><p ><span><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXN2fu1e5WoFa2ftOzeTKZiamhW1b0wq7IibecfnT0kptYviavRz5yudiaiaWNxpqtRD8icp6m9vEvnEI14PaHJqPRkl4UCDykrc9JznM%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXN2fu1e5WoFa2ftOzeTKZiamhW1b0wq7IibecfnT0kptYviavRz5yudiaiaWNxpqtRD8icp6m9vEvnEI14PaHJqPRkl4UCDykrc9JznM/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></span></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >定海柱没有高额交通额外赔付，只加了</span></span><span style="color: rgb(235, 201, 0); text-align: justify">节假日自驾额外赔付</span><span style="color: rgba(0, 0, 0, 0.9)"><span text >，交通方面的保障力度要弱于大麦。</span></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >此外，大麦可以</span></span><span style="color: rgb(235, 201, 0); text-align: justify">附加失能保险金</span><span style="color: rgba(0, 0, 0, 0.9)"><span text >，一旦生病或者意外导致丧失劳动能力，每个月能领补偿金，</span></span></font><font face="Noto Sans SC" style="color: rgb(235, 201, 0); text-align: justify"><span style="color: rgb(235, 201, 0); text-align: justify">最长可以领</span></font><font face="Noto Sans SC" style="color: rgb(235, 201, 0); text-align: justify"><span style="color: rgb(235, 201, 0); text-align: justify">10年</span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >，不止身故赔钱，还能提前弥补常年无收入、且需要人陪护的失能困境。</span></span></font></p><p ><span><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXMicDRhH95FmspX2nOl4lelXKibKsQHaZubyL1whRPviaJSPfMEgTj8OhgjC4wqPovibDUJJqPicEFBBBKuS3XIPuLcjp0A9mPQRd4c%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXMicDRhH95FmspX2nOl4lelXKibKsQHaZubyL1whRPviaJSPfMEgTj8OhgjC4wqPovibDUJJqPicEFBBBKuS3XIPuLcjp0A9mPQRd4c/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></span></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >定海柱则是可以</span></span></font><font face="Noto Sans SC" style="color: rgb(235, 201, 0); text-align: justify"><span style="color: rgb(235, 201, 0); text-align: justify">附加</span></font><font face="Noto Sans SC" style="color: rgb(235, 201, 0); text-align: justify"><span style="color: rgb(235, 201, 0); text-align: justify">45岁前身故/全残特别关爱金</span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >，45周岁前身故或全残的话，可以额外赔50%保额。以及可以</span></span><span style="color: rgb(235, 201, 0); text-align: justify">附加家庭守护身故或全残关爱金</span><span style="color: rgba(0, 0, 0, 0.9)"><span text >，夫妻同一意外身故或全残的话，可以多赔付一笔钱。</span></span></font></p><p ><font face="Noto Sans SC"><span><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXPK7Jwhv6FPZ1S37Zjnyso5AsC4mjRhKoIX1MKibTlCg36kSWcE2PluelNGNicT6wp0BeF4bueib9StsFdLO6kMpibnu1nMShk9PSA%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXPK7Jwhv6FPZ1S37Zjnyso5AsC4mjRhKoIX1MKibTlCg36kSWcE2PluelNGNicT6wp0BeF4bueib9StsFdLO6kMpibnu1nMShk9PSA/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></span></font></p><p ><font face="Noto Sans SC"><span><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXOxrRAG16rnhiaO8r0GuyC49FDqCAagWC2XOJyeiaaRsKWfTibOxaXtoyyaCK6msmh5jClC8vGUr1kAX4pnGmia4qWZYf8tf80icsjg%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXOxrRAG16rnhiaO8r0GuyC49FDqCAagWC2XOJyeiaaRsKWfTibOxaXtoyyaCK6msmh5jClC8vGUr1kAX4pnGmia4qWZYf8tf80icsjg/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >整体来看，这两款定期寿险在特定的情况下都值得考虑，能用比较低的成本，帮我们转移家庭的经济风险。</span></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >另外，大家在配置定寿的时候，要让家人知道你买了这个保险，</span></span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >而且要清楚地指定受益人。这样万一理赔，到时候身故赔偿金可以直接赔付给受益人，不需要经过任何继承的复杂流程。</span></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >如果你不清楚怎么选择定期寿险，可以评论区留言，或者扫码加下方微信跟我们联系，我们来根据实际情况，为你量身定制方案。</span></span></font></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><font face="Noto Sans SC" ><span style="color: rgba(0, 0, 0, 0.9)"><br /></span></font></span></p><section nodeleaf="" style="color: rgba(0, 0, 0, 0.9); text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXOiciaKOQNW6lr0g6ibibFtmcnqPzGgBzHLIh6hz1uTiarcEYZKBvwGzrBGgfzwEtiawGRBeS9t2nfGb6AT4cibuu64dPLcmKbByKuva4%2F640%3Fwx_fmt%3Dother%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26tp%3Dwebp%23imgIndex%3D9" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXOiciaKOQNW6lr0g6ibibFtmcnqPzGgBzHLIh6hz1uTiarcEYZKBvwGzrBGgfzwEtiawGRBeS9t2nfGb6AT4cibuu64dPLcmKbByKuva4/640?wx_fmt=other&from=appmsg&wxfrom=5&wx_lazy=1&tp=webp#imgIndex=9" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><br /></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span >有空的话，前面几篇重要文章可能也值得一看：</span></span></section><section style="color: rgba(0, 0, 0, 0.9); 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text-align: justify"><span ><br /></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: left"><span ><span text >点击“阅读原文”进入「保险商城」</span></span></section><p ></mp-style-type></p>
