<section ><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" hasload="1" wah-hotarea="click" style="text-align: center"><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FO95eeDepqTM9swX6sWneVewqcibVHwRXEx35PQnLvytrUdlibGsw3J4GNwCE6LE69KuRbAsICRDZaB6UUukVR85g%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/O95eeDepqTM9swX6sWneVewqcibVHwRXEx35PQnLvytrUdlibGsw3J4GNwCE6LE69KuRbAsICRDZaB6UUukVR85g/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></span></a><br /></section><p 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></p><p ><br /></p><p ><span >每年年末到次年年初，属于保险公司的“开门红”时期。</span></p><p ><span ><br /></span></p><p ><span >这期间，保险公司们会上线保险新品</span><span style="color: rgb(136, 136, 136)">（多数是理财险）</span><span >并宣发销售，类似保险界的双11。</span></p><p ><span ><br /></span></p><p ><span >不过今年的开门红，注定有些不一样。</span></p><p ><span ><br /></span></p><ul ><li style="color: rgb(136, 136, 136)"><p><span style="color: rgb(136, 136, 136)">一是今年整个市场的“萎靡”使得保险公司们普遍面临业绩压力；</span></p></li><li><p><span style="color: rgb(136, 136, 136)">二是互联网保险新规落地，</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="12月31日前几乎全网的理财险都要停售" linktype="text" imgurl="" imgdata="null" tab="innerlink" ><span >12月31日前几乎全网的理财险都要停售</span></a><span style="color: rgb(136, 136, 136)">，此后网上只有“大”公司理财险可买。</span></p></li></ul><p ><span ><br /></span></p><p ><span >这是一个机会，中小保险公司的退场，明显利好“大”公司。</span></p><p ><span ><br /></span></p><p ><span >可我之前就想过，<strong>独占跑道的大公司，会不会开发比当前更好的产品呢？</strong><br /></span></p><p ><br /></p><p ><span >本次开门红的产品，让这个问题可能有了答案。</span></p><p ><span ><br /></span></p><p ><span ><br /></span></p><p ><span ><strong><span style="color: rgb(33, 89, 103)">一、</span></strong></span></p><p ><span ><br /></span></p><p ><span >互联网保险新规12月31日生效，</span></p><p ><span ><br /></span></p><p ><span >使中小保险公司失去“网销理财险资格”的事就不科普了，大家看下之前文章：</span></p><p ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MzIzMzIzNTk4Mg==&mid=2247484428&idx=1&sn=f5ea5ed704febb9446b76c710c51969c&chksm=e889f76ddffe7e7b37ed369131c766b37811e6d59e2deca8f747c6abb334e78d45a7e5763050&scene=21#wechat_redirect" textvalue="风声大，雨点也大" linktype="text" imgurl="" imgdata="null" tab="innerlink" ></a><br /></p><p ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MzIzMzIzNTk4Mg==&mid=2247484428&idx=1&sn=f5ea5ed704febb9446b76c710c51969c&chksm=e889f76ddffe7e7b37ed369131c766b37811e6d59e2deca8f747c6abb334e78d45a7e5763050&scene=21#wechat_redirect" textvalue="风声大，雨点也大" linktype="text" imgurl="" imgdata="null" tab="innerlink" ><span >风声大，雨点也大</span></a><span >；</span><br /></p><p ><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="至暗时刻，互联网人身保险或将全部下架" linktype="text" imgurl="" imgdata="null" tab="innerlink" ><span >至暗时刻，互联网人身保险或将全部下架</span></a></p><p ><span ><br /></span></p><p ><span >不管怎么说，明年1月1日起，只有“大”公司能在网上卖理财险已经板上钉钉了。</span></p><p ><span ><br /></span></p><p ><span style="color: rgb(136, 136, 136)">目前全网90%以上的高收益理财险（增额终身寿、年金险）都是中小保险公司出品，按规定都要在12月31日前停售！</span></p><p ><br /></p><p ><span >我之前常说“<strong>一定要在12月31日新规前买好理财险</strong>”，</span></p><p ><span ><br /></span></p><p ><span >实在是因为</span><span >收益“保守”的大公司们，产品设计非常“<strong>稳定</strong>”，很难开发比现在收益更高的产品。</span></p><p ><span ><br /></span></p><p ><span >下面我们可以通过大公司们正在宣发造势的开门红新品，猜想下未来</span><span style="color: rgb(136, 136, 136)">（12月31日后）</span><span >的理财险市场。</span></p><p ><span ><br /></span></p><p ><span ><br /></span></p><p ><span ><strong><span style="color: rgb(33, 89, 103)">二、</span></strong></span></p><p ><br /></p><p ><span >开门红产品很多，我们直接以一款有代表性、声量极高的产品为例：</span></p><p ><span ><br /></span></p><p ><span >产品名叫御X财富</span><span style="color: rgb(136, 136, 136)">（这段时间铺天盖地的广告）</span><span >，某歌手同名保险公司承保，产品形态是：<strong>定期年金险+万能账户</strong>。</span><br /></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%2FO95eeDepqTOnYIGYeJW3ibECd0vAo5VAwiaOkwwPbibBYdlKFYXsmqjC54dYAYdbq9VIgFUyhPVfnBpmtwrvP4hsw%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTOnYIGYeJW3ibECd0vAo5VAwiaOkwwPbibBYdlKFYXsmqjC54dYAYdbq9VIgFUyhPVfnBpmtwrvP4hsw/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><p ><br /></p><p ><span >主险是典型的定期年金险，“交3保8”或“交5保8”，保障期就8年。</span></p><p ><span ><br /></span></p><p ><span >假设30岁小王投保，一年交10万，交3年：</span></p><p ><br /></p><ul ><li style="color: rgb(136, 136, 136)"><p><span style="color: rgb(136, 136, 136)">第5、6、7年，每年领取60%年交保费，6万；</span></p></li><li style="color: rgb(136, 136, 136)"><p><span style="color: rgb(136, 136, 136)">到第8年期满，一次性领取100%保额，15.21万。</span></p></li></ul><p ><br /><span >具体收益看图 ▼：<br /></span></p><p ><br /></p><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTOnYIGYeJW3ibECd0vAo5VAw03libtH7y7Z84qYtJFAE4OJpBdesPa29icq2A9GtV2wZgop56drBWzow%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTOnYIGYeJW3ibECd0vAo5VAw03libtH7y7Z84qYtJFAE4OJpBdesPa29icq2A9GtV2wZgop56drBWzow/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><p ><br /></p><p ><span >本金30万，8年期满，总收益是3.21万。</span></p><p ><br /></p><p ><span >IRR（实际收益率）为1.74%，约合年化单利1.82%。</span></p><p ><span ><br /></span></p><p ><span style="color: rgb(136, 136, 136)">甚至比不上银行定存，更别说和当前主流的中小保险公司理财险IRR（3.5%+）对比了。</span></p><p ><br /></p><p ><span >当然，你要跟代理人说这个，话题肯定要转到另一点了：<strong>万能账户</strong>。</span></p><p ><br /></p><p ><span ><br /></span></p><p ><span ><strong ><span style="color: rgb(33, 89, 103)">三、</span></strong></span></p><p ><span ><br /></span></p><section ><span >我一直觉得，万能账户真是天才般的发明，忽悠保险小白不要太简单。</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(136, 136, 136)">万能账户一般作为年金险的附加险存在，原理是用年金险返还的年金作为保费投入到万能账户内进行增值。</span></section><section ><span style="color: rgb(136, 136, 136)"><br /></span></section><section ><span style="color: rgb(136, 136, 136)">万能账户优点是取用灵活，缺点是账户增值的利率不确定（不过会有保底利率）。</span></section><section ><span ><br /></span></section><section ><span >例如御X财富的核心其实不是主险，而是万能账户：聚C宝（2021）终身寿险（万能型）。</span></section><section ><span ><br /></span></section><section ><span >如果有人觉得主险御X财富收益低，代理人下一句必然是：</span></section><section ><span ><strong><br /></strong></span></section><section ><span ><strong>主险收益低没关系，附加的万能账户收益有5%以上。</strong></span></section><section ><span ><strong><br /></strong></span></section><section ><span >这句话对吗？</span></section><section ><span ><br /></span></section><section ><span >还真对，只是没说全</span><span >，前面说了<strong>万能账户利率是不确定的</strong>，现在利率是5%，不代表以后一直是5%。<strong><br /></strong></span></section><section ><span ><br /></span></section><section ><span >要知道聚C宝（2021）的保底利率只有<strong>1.75%</strong>，不比主险好多少。</span></section><section ><span ><br /></span></section><section ><span >如果你用5%的利率去规划这笔钱，最后你会发现：我的钱呢？</span></section><section ><span ><br /></span></section><p ><span style="color: rgb(136, 136, 136)">举个例子，国寿某万能账户，5年前结算利率5.38%，现在2.2%...</span></p><p ><span ><br /></span></p><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTOnYIGYeJW3ibECd0vAo5VAwjYlvG4VqlbXcicaMPgVuqy7QWqegJozCknjZuhRzL2u4wmicl9xvOgcQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTOnYIGYeJW3ibECd0vAo5VAwjYlvG4VqlbXcicaMPgVuqy7QWqegJozCknjZuhRzL2u4wmicl9xvOgcQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTOnYIGYeJW3ibECd0vAo5VAwT3aHMIV3WmoHs4ibEX8uzJzylPiacoffUoWRNCo3dqHZv6IdWLpk9T0Q%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTOnYIGYeJW3ibECd0vAo5VAwT3aHMIV3WmoHs4ibEX8uzJzylPiacoffUoWRNCo3dqHZv6IdWLpk9T0Q/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><span ><br /></span><span >因此，千万别对万能账户进行长期规划。<br /></span></section><section ><span ><br /></span></section><section ><span >真要规划，就默认它未来的利率是<strong>保底利率</strong>，例如御X财富的万能账户，未来就当1.75%好了。</span></section><section ><span ><br /></span></section><section ><span >那这保底利率算高吗？<br /></span></section><section ><span ><br /></span></section><section ><span >回答的委婉点，目前线上同类万能险产品保底利率是<strong>3%</strong>...</span></section><section ><br /></section><section ><span style="color: rgb(136, 136, 136)">例如和泰钻更多年金险，万能账户是京泰盈，当前结算利率5%，保底利率3%。</span></section><section ><span ></span><br /></section><section ><span >更别提和复利<strong>3.5%</strong>以上的增额寿险（如<a href="" href="">金满意足臻享版</a>）、年金险（如<a href="" href="">百岁人生福享版</a>）相比了。</span></section><section ><br /></section><section ><strong><span >未来的理财险，大家心里都有数了吧？</span></strong><span ></span></section><p ><br /></p><p ><span >不要觉得未来还远，12月31日新规正式生效后就是了。</span></p><p ><br /></p><p ><span >现在很多高收益产品已经在陆续下架了：</span></p><p ><span ><br /></span></p><p ><span style="color: rgb(136, 136, 136)">横琴利久久11月5日停售，信美天天向上11月16日停售，<span style="color: rgb(136, 136, 136)">和泰增</span><span style="color: rgb(136, 136, 136)">多多2号11月25日停售，小康利久久Plus<span style="color: rgb(136, 136, 136)">11月29日停售</span></span>...</span></p><p ><span style="color: rgb(136, 136, 136)"><span style="color: rgb(136, 136, 136)"><br /></span></span></p><p ><span style="color: rgb(136, 136, 136)"><span style="color: rgb(136, 136, 136)">很多产品可能今天还在售，明天额度就会卖完提前停售，看中了一定要尽快上车！</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%2FO95eeDepqTP7IX3lREI4p70rvLAmGQo0n1ZBOsbsZBcgYAKmibue8DwaedzMnHxtX2sgWtzEK9kVpfnNxFhFBow%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTP7IX3lREI4p70rvLAmGQo0n1ZBOsbsZBcgYAKmibue8DwaedzMnHxtX2sgWtzEK9kVpfnNxFhFBow/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><p ><br /></p><p ><span >这些产品里，增额终身寿险IRR基本在3.5%左右，年金险更高，4%+都有。</span></p><p ><span ><br /></span></p><p ><span style="color: rgb(136, 136, 136)">不过年金险不够灵活，增额终身寿险更方便，具体可以看：</span><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MzIzMzIzNTk4Mg==&mid=2247484196&idx=1&sn=e5b4f7bd19fc5008eac7f634ddcccba5&chksm=e889f045dffe7953bb7c6791cbbfa37919a692f43281323d11d0ab583f484db042b57ff8100d&scene=21#wechat_redirect" textvalue="增额终身寿险和年金险选哪个？" linktype="text" imgurl="" imgdata="null" tab="innerlink" ><span >增额终身寿险和年金险选哪个？</span></a></p><p ><span ><br /></span></p><p ><span >就目前环境来看，未来的大公司几乎不会开发超越上图的产品了...</span></p><section ><span style="color: rgb(136, 136, 136)"></span></section><p ><span ><br /></span></p><p ><span style="color: rgb(33, 89, 103)"><strong><span >最后给大家梳理下当前理财险挑选思路：</span></strong></span></p><p ><br /></p><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTPaVYVPaFT8lv4icauXUkSfdHrvbkiaavCpdZye30QGvslaTrS6g5KGleGkpuzxiafHOGQROSHLVy82g%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTPaVYVPaFT8lv4icauXUkSfdHrvbkiaavCpdZye30QGvslaTrS6g5KGleGkpuzxiafHOGQROSHLVy82g/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><p ><br /></p><p ><span >好产品，都在这儿了！</span><br /></p><p ><span style="color: rgb(136, 136, 136)"><br /></span></p><p ><span style="color: rgb(136, 136, 136)">这些高收益的口碑产品（</span><span style="color: rgb(33, 89, 103)">投保入口在【懂保爷】公众号菜单</span><span style="color: rgb(136, 136, 136)">），建议大家先上车开个户，给未来锁定一个终身复利高收益的账户。</span></p><p ><span ><br /></span></p><section ><strong ><span style="color: rgba(0, 0, 0, 0.9); text-align: start">有疑问，可以加我助理微信</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 >找我团队专业保险规划老师帮你解决。</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 ><span >高收益理财险评测：<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247492099&idx=1&sn=2fe67f0d25482d40e2141eb5bc27663d&chksm=cfb60183f8c18895cf296ba3d4aba65f2f09ff1449e549602ad83ce0106922aea45db64a72c5&scene=21#wechat_redirect" textvalue="增额终身寿险排行榜，这款最值得买" linktype="text" imgurl="" imgdata="null" tab="innerlink"></a></span></strong><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247492099&idx=1&sn=2fe67f0d25482d40e2141eb5bc27663d&chksm=cfb60183f8c18895cf296ba3d4aba65f2f09ff1449e549602ad83ce0106922aea45db64a72c5&scene=21#wechat_redirect" textvalue="增额终身寿险排行榜，这款最值得买" linktype="text" imgurl="" imgdata="null" tab="innerlink">增额终身寿险排行榜，这款最值得买</a></span><strong ><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247492099&idx=1&sn=2fe67f0d25482d40e2141eb5bc27663d&chksm=cfb60183f8c18895cf296ba3d4aba65f2f09ff1449e549602ad83ce0106922aea45db64a72c5&scene=21#wechat_redirect" textvalue="增额终身寿险排行榜，这款最值得买" linktype="text" imgurl="" imgdata="null" tab="innerlink"></a></span></strong></span></section><section ><span ><strong ><span >新规科普：<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MzIzMzIzNTk4Mg==&mid=2247484428&idx=1&sn=f5ea5ed704febb9446b76c710c51969c&chksm=e889f76ddffe7e7b37ed369131c766b37811e6d59e2deca8f747c6abb334e78d45a7e5763050&scene=21#wechat_redirect" textvalue="风声大，雨点也大" linktype="text" imgurl="" imgdata="null" tab="innerlink"></a></span></strong><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MzIzMzIzNTk4Mg==&mid=2247484428&idx=1&sn=f5ea5ed704febb9446b76c710c51969c&chksm=e889f76ddffe7e7b37ed369131c766b37811e6d59e2deca8f747c6abb334e78d45a7e5763050&scene=21#wechat_redirect" textvalue="风声大，雨点也大" linktype="text" imgurl="" imgdata="null" tab="innerlink">风声大，雨点也大</a></span></span></section><section ><span ><strong ><span >新规解读：</span></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" wah-hotarea="click" hasload="1" ><span >至暗时刻，互联网人身保险或将全部下架</span></a></section><section ><strong><span >怎么选理财险：</span></strong><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MzIzMzIzNTk4Mg==&mid=2247484196&idx=1&sn=e5b4f7bd19fc5008eac7f634ddcccba5&chksm=e889f045dffe7953bb7c6791cbbfa37919a692f43281323d11d0ab583f484db042b57ff8100d&scene=21#wechat_redirect" textvalue="增额终身寿险和年金险选哪个？" linktype="text" imgurl="" imgdata="null" tab="innerlink" ><span >增额终身寿险和年金险选哪个？</span></a></section><section ><span ><strong>增额寿险相关：<a target="_blank" href="https://mp.weixin.qq.com/s?__biz=MzIzMzIzNTk4Mg==&mid=2247484504&idx=1&sn=a76f1fc9ceea4fcb5508981842db616a&scene=21#wechat_redirect" textvalue="增额终身寿各种火，但依我看，优点就一个" linktype="text" imgurl="" imgdata="null" tab="innerlink"></a></strong><a target="_blank" href="https://mp.weixin.qq.com/s?__biz=MzIzMzIzNTk4Mg==&mid=2247484504&idx=1&sn=a76f1fc9ceea4fcb5508981842db616a&scene=21#wechat_redirect" textvalue="增额终身寿各种火，但依我看，优点就一个" linktype="text" imgurl="" imgdata="null" tab="innerlink">增额终身寿各种火，但依我看，优点就一个</a><strong><a target="_blank" href="https://mp.weixin.qq.com/s?__biz=MzIzMzIzNTk4Mg==&mid=2247484504&idx=1&sn=a76f1fc9ceea4fcb5508981842db616a&scene=21#wechat_redirect" textvalue="增额终身寿各种火，但依我看，优点就一个" linktype="text" imgurl="" imgdata="null" tab="innerlink"></a></strong></span></section><section ><strong><span >养老年金险相关：</span></strong><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MzIzMzIzNTk4Mg==&mid=2247484307&idx=1&sn=fc6fbc9050882d41ef4cc3d0b9bd82f9&chksm=e889f0f2dffe79e44b21d5be8d9b1399417a00b7d1c40d2d6ad0374cd8d5418080e435c71884&scene=21#wechat_redirect" textvalue="怎么选对养老金？看清了缺点也仍然爱的才是真爱！" linktype="text" imgurl="" imgdata="null" tab="innerlink" ><span >怎么选对养老金？看清了缺点也仍然爱的才是真爱！</span></a><br /></section><section ><strong><span >理财险谁做被保人：</span></strong><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MzIzMzIzNTk4Mg==&mid=2247484252&idx=1&sn=48cd82c34360f36e5b286b7f89c74c48&chksm=e889f03ddffe792b68d155336a0fca71181072c5f47b3b5ffcde75edf94a82640ffa69231afb&scene=21#wechat_redirect" textvalue="老公的觉悟——养老被保人不要写自己" linktype="text" imgurl="" imgdata="null" tab="innerlink" ><span >老公的觉悟——养老被保人不要写自己</span></a></section><section ><br /></section><section style="text-align: center"><span ><span >— </span><strong >END </strong><span >—</span></span></section><section style="text-align: center"><span style="color: rgb(0, 0, 0)"><strong >愿你家的保单永不出险！</strong></span></section><section style="text-align: center"><br /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FO95eeDepqTPX79HzDmJaNiaohKhfEd58Ok6mcU6JsZickVx1UkAibENclTVHm5e91NUUMib6W0qz9oPUWKFgyR3uYA%2F640%3Fwx_fmt%3Dgif" 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103)"><strong >在看</strong></span></span><span style="color: rgb(0, 0, 0)">吧</span><span >，谢谢！</span></p></section></section></section>
