工农中建交邮 | 六大行的增额终身寿是啥水平？

<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%2FO95eeDepqTOD7h8LSxJKmNOnR8FHFZlTsPX7w7MWYE0luj4QtvFnBfG7WQMyiaHyOtpgNbDVbcI5ehGB4iaic4ajg%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/O95eeDepqTOD7h8LSxJKmNOnR8FHFZlTsPX7w7MWYE0luj4QtvFnBfG7WQMyiaHyOtpgNbDVbcI5ehGB4iaic4ajg/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 ><span ><br /></span></p><section ><span ><span ><strong>银行保险</strong></span></span><span style="color: rgb(51, 51, 51); text-align: justify">，是传统保险公</span><span style="color: rgb(51, 51, 51); text-align: justify">司的重要销售渠道。</span></section><section ><br /></section><h1 ><span style="color: rgb(51, 51, 51); text-align: justify">据中保协《2021年银行代理渠道业务发展报告》显示：</span></h1><section ><br /></section><section ><span style="color: rgb(33, 89, 103)">“2021年人身险公司银保业务全年累计实现原保险保费收入1.2万亿元，超过人身险公司<strong>保费收入总量的</strong><strong>三分之一</strong>。</span></section><section ><span style="color: rgb(33, 89, 103)"><br /></span></section><section ><span style="color: rgb(33, 89, 103)">其中，增额终身寿险产品具有的资金灵活度高，用途多样的功能使其在竞争中脱颖而出，占据银保市场<strong>绝对主流地位</strong>。<span style="color: rgb(33, 89, 103); text-align: justify">”</span></span></section><section ><br /></section><section ><span style="color: rgb(51, 51, 51); text-align: justify">一直以来，作为保险销售的支柱级渠道，各大银行说不惦记肯定是假的。<span style="color: rgb(51, 51, 51); text-align: justify"></span></span></section><section ><span style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></span></section><section ><span style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(51, 51, 51); text-align: justify">可银行本身又不具有保险资质，怎么才能<span style="color: rgb(51, 51, 51); text-align: justify">亲自下场</span><span style="color: rgb(51, 51, 51); text-align: justify">分一杯羹？</span></span></span></section><section ><span style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></span></span></section><section ><span style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(51, 51, 51); text-align: justify">简单，<strong>自己“开”一家保险公司即可</strong>。</span></span></span></section><section ><span style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></span></span></section><section ><span style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(51, 51, 51); text-align: justify">在2010年前后，工农中建等各大银行纷纷下场布局保险业务，工银安盛、农银人寿、建信人寿等先后亮相。</span></span></span></section><section ><span style="color: rgb(51, 51, 51); text-align: justify"></span></section><section ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section ><span style="color: rgb(51, 51, 51); text-align: justify">这些银行们自家的保险公司，我</span><span style="color: rgb(34, 34, 34); text-align: justify">们统称为</span><span ><span ><strong>“银行系保险公司”</strong></span></span><span style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(51, 51, 51); text-align: justify">。</span></span></section><section ><span style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></span></section><section ><span style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(51, 51, 51); text-align: justify">今天我们来看看，这些“银行系”主打的增额终身寿，收益是什么水平。</span></span></section><section ><br /></section><section ><span ><br /></span></section><section ><span style="color: rgb(33, 89, 103); text-align: start">一、</span></section><p ><br /></p><p ><span >一般认为，国内银行系保险公司共有<strong>10家</strong>。</span></p><p ><span ><br /></span></p><p ><span >可分为2</span><span >类：</span></p><p ><span ><br /></span></p><p ><span style="color: rgb(33, 89, 103)">I、<strong>银行直接控股</strong><strong>的保险公司</strong>；</span></p><p ><span ><br /></span></p><p ><span >如工银安盛人寿、农银人寿、<span style="color: rgb(51, 51, 51); text-align: justify">中银三星人寿、</span>建信人寿、交银人寿、招商信诺人寿、<span style="color: rgb(51, 51, 51); text-align: justify">中荷人寿，都是各家银行的“亲儿子”。</span></span></p><p ><span ><br /></span></p><p ><span style="color: rgb(33, 89, 103)"><span style="color: rgb(33, 89, 103)">II、</span><strong><span style="color: rgb(33, 89, 103)">保险公司和银行</span></strong><strong><span style="color: rgb(33, 89, 103)">隶属同家集团公司</span></strong><span style="color: rgb(33, 89, 103)">。</span></span><br /></p><p ><span ><br /></span></p><p ><span ></span><span >如<span style="color: rgb(51, 51, 51); text-align: justify">中邮人寿（中国邮政集团）、中信保诚人寿（中信集团）、光大永明人寿（光大集团），这几家</span></span><span >公司</span><span >同样依靠银保渠道开展</span><span >业务</span><span >。</span></p><p ><br /></p><p ><span >下面快速过一下这些银行系保险公司的背景</span><span >：</span></p><p style="color: rgb(34, 34, 34); text-align: left"><br /></p><section style="color: rgb(34, 34, 34); text-align: left"><span ><em ><span >1、<strong>工银安盛人寿</strong>：原金盛人寿，</span></em></span><span ><em ><span ><em style="color: rgb(34, 34, 34); text-align: left"><span >后被“宇宙行”</span></em></span></em></span><span ><em ><span >中国工商银行收购并更名（持股60%），<em style="color: rgb(34, 34, 34); text-align: left"><span >其他股东包括法国安盛集团和中国五矿集团，2021年保费收入排名16</span></em>；</span></em></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span ><em ><span >2、<strong>农银人寿</strong>：原嘉禾人寿，2012年中国农业银行入股（51%）并更名，现由农行实际控制，<em style="color: rgb(34, 34, 34); text-align: left"><span ><em style="color: rgb(34, 34, 34); text-align: left"><span >其他股东包括重庆国际信托等，<em style="color: rgb(34, 34, 34); text-align: left"><span ><em style="color: rgb(34, 34, 34); text-align: left"><span >2021年保费收入排名21</span></em></span></em></span></em></span></em></span></em></span>；</section><section style="color: rgb(34, 34, 34); text-align: left"><span ><em ><span >3、<strong>中银三星人寿</strong>：原中航三星人寿，后中国银行通过附属公司入股（51%），现由中行实际控制，<em style="color: rgb(34, 34, 34); text-align: left"><span ><em style="color: rgb(34, 34, 34); text-align: left"><span ><em style="color: rgb(34, 34, 34); text-align: left"><span ><em style="color: rgb(34, 34, 34); text-align: left"><span ><em style="color: rgb(34, 34, 34); text-align: left"><span >其他股</span></em></span></em></span></em></span></em></span></em></span></em></span><span ><em ><span >东包括韩国三星生命保险和中航集团；</span></em></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span ><em ><span >4、<strong>建信人寿</strong>：原太平洋安泰人寿，2011年原股东退出，中国建设银行入股（51%）并更名，<em style="color: rgb(34, 34, 34); text-align: left"><span ><em style="color: rgb(34, 34, 34); text-align: left"><span ><em style="color: rgb(34, 34, 34); text-align: left"><span ><em style="color: rgb(34, 34, 34); text-align: left"><span >其他股东包括全国</span></em></span></em></span>社保基金理事会等，<em style="color: rgb(34, 34, 34); text-align: left"><span ><em style="color: rgb(34, 34, 34); text-align: left"><span >2021年保费收入排名14</span></em></span></em></em></span></em></span></em></span>；</section><section style="color: rgb(34, 34, 34); text-align: left"><span ><em ><span >5、<strong>交银人寿</strong>：原中保康联人寿，后被交通银行收购，当前交通银行持股62.5%，日本MS&amp;AD保险集团持股37.5%；</span></em></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span ><em ><span >6、<strong>中邮人寿</strong>：由中国邮政集团发起并实际控制，2021年“引战”友邦保险（持股24.99%），是当前保费收入最高的银行系保险公司，<em style="color: rgb(34, 34, 34); text-align: left"><span ><em style="color: rgb(34, 34, 34); text-align: left"><span >2021年保费收入排名8</span></em></span></em>；</span></em></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span ><em ><span >7、<strong>中信保诚人寿</strong>：中外合资背景，由“正部级”央企中信集团，和英国保诚集团联合发起（分别持股50%），之前叫信诚人寿，<em style="color: rgb(34, 34, 34); text-align: left"><span ><em style="color: rgb(34, 34, 34); text-align: left"><span >2021年保费收入排名23</span></em></span></em>；</span></em></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span ><em ><span >8、<strong>招商信诺人寿</strong>：中外合资背景，股东包括招商银行（持股50%）和美国信诺保险集团（持股50%），<em style="color: rgb(34, 34, 34); text-align: left"><span ><em style="color: rgb(34, 34, 34); text-align: left"><span >2021年保费收入排名26</span></em></span></em>；</span></em></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span ><em ><span >9、<strong>中荷人寿</strong>：中外合资背景，<em style="color: rgb(34, 34, 34); text-align: left"><span >原首创安泰人寿，</span></em>股东包括北京银行（持股50%）和法国巴黎保险（持股50%）；</span></em></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span ><em ><span >10、<strong>光大永明人寿</strong>：中外合资背景，股东包括央企光大集团（持股50%）和加拿大永明人寿（持股24.99%）等。</span></em></span></section><p ><span ><br /></span></p><p ><span >论背景，这10家保险公司都是<strong>真正意义的大公司</strong>，</span></p><p ><span ><br /></span></p><p ><span >比起之前评测的“</span><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&amp;mid=2247494252&amp;idx=1&amp;sn=e55272fcaedc0b878aefdc18f5bc1027&amp;chksm=cfb609ecf8c180fad7fc6da421c3da6898c390ceedc138231228214b8042731d1db35351a083&amp;scene=21#wechat_redirect" textvalue="老七家" linktype="text" imgurl="" imgdata="null" tab="innerlink" ><span >老七家</span></a><span >”<span style="color: rgb(51, 51, 51); text-align: justify">（国寿/平安/太平洋等）</span>、</span><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&amp;mid=2247494605&amp;idx=1&amp;sn=e6d7b6b1d6c45eb20bbbdd7bce9f064c&amp;chksm=cfb6084df8c1815b5af8c2ea315e00955bacaaf795e0fe3c8c524a8128faf6b8e59abc3a887f&amp;scene=21#wechat_redirect" textvalue="合资保险公司" linktype="text" imgurl="" imgdata="null" tab="innerlink">合资保险公司</a></span><span >（中意/中英/同方全球等）</span><span >及</span><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&amp;mid=2247494773&amp;idx=1&amp;sn=21a8bfd2b82b7b789eb71f4188cde73d&amp;chksm=cfb60ff5f8c186e3406a91a7aafd9edb8d3bde0495dc014c89c473edf730150b97dc643987ab&amp;scene=21#wechat_redirect" textvalue="其他大公司" linktype="text" imgurl="" imgdata="null" tab="innerlink">其他大公司</a></span><span >（华夏/阳光/招商仁和等）也毫不逊色</span><span >。</span></p><p ><span ><br /></span></p><p ><span >当然，这些公司并非泾渭分明，例如中信保诚/光大永明等既是银行系保险公司，也是合资保险公司。</span><span ><br /></span></p><p ><span ><br /></span></p><p ><span ><span style="color: rgb(34, 34, 34); text-align: justify">回到产品，放出参与评测的各家「</span><strong style="color: rgb(34, 34, 34); text-align: justify">增额终身寿险</strong><span style="color: rgb(34, 34, 34); text-align: justify">」产品名单：</span></span></p><p ><span style="text-align: center"><br /></span></p><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FO95eeDepqTNH7KY6rCk12Q1YhQ2s3ujoXibWGIMUhK9B2iaHSdc4ib6Hp5YibkycibDkx6n5zZtDqWXSQMjAy5qG0WA%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/O95eeDepqTNH7KY6rCk12Q1YhQ2s3ujoXibWGIMUhK9B2iaHSdc4ib6Hp5YibkycibDkx6n5zZtDqWXSQMjAy5qG0WA/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><p ><br /></p><p ><span >简单说下情况，鑫如意玖号、金穗臻享、<span style="color: rgb(51, 51, 51); text-align: justify">邮保</span><span style="color: rgb(51, 51, 51); text-align: justify">一生C款</span>都是<strong>工银、农银、中邮</strong>旗下增额终身寿序列的最新产品；</span></p><p ><br /></p><p ><strong><span >中银</span></strong><span >2款中，尊享家传虽是新品，不过银行多数时候推荐的还是老产品尊享人生，这款也是中银2021年保费收入最高的增额寿；<br /></span></p><p ><br /></p><p ><strong><span >建信</span></strong><span >此前销售的新品是龙耀世家（年初评测过），现在停售后，主打产品仍是老产品龙耀一世C款；<br /></span></p><p ><br /></p><p ><strong><span >交银</span></strong><span >目前根据缴费期推荐，私享五号（5年以上缴费）+私享臻选（3年以下缴费）；</span></p><p ><br /></p><p ><strong><span >中信保诚、招商信诺</span></strong><span >主打产品分别是「基石恒利」、和瑞一号，<span style="color: rgb(51, 51, 51); text-align: justify">这俩也是各自保险公司2021年保费收入第一</span><span style="color: rgb(51, 51, 51); text-align: justify">的产品，</span>常去银行的朋友估计比较眼熟，像「基石恒利」已经卖了4年；</span></p><p ><br /></p><p ><span >最后2家<strong>中荷、光大永明</strong>，由于股东方银保渠道不够前几家“<span style="color: rgb(51, 51, 51); text-align: justify">给</span><span style="color: rgb(51, 51, 51); text-align: justify">力</span>”，<span style="color: rgb(51, 51, 51); text-align: justify">在</span><span style="color: rgb(51, 51, 51); text-align: justify">银行系保险公司中算是小透明，这里选的是爱家保、光明至尊庆典版作为对比</span></span><span >。</span></p><p ><br /></p><p ><br /></p><section style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(33, 89, 103); text-align: start">二、</span></section><section ><span ><br /></span></section><section ><span >接下来正式进行测评。</span></section><section ><span ><br /></span></section><section ><span >我们按<strong>趸交（一次交清）、3年交、5年交、10年交</strong>，分别来看这10家银行系保险公司的增额寿收益情况。</span></section><section ><span ><span style="color: rgb(51, 51, 51); text-align: justify"></span></span></section><section ><span ><br /></span></section><section ><span >按例会在右方加一列，当前收益第一梯队的增额终身寿（IRR3.49%）作为“<strong>参照组</strong>”。</span></section><section ><span ><br /></span></section><section ><span >以给10岁男孩买，总投入30万为例。</span></section><section ><span ><br /></span></section><section ><strong><span style="color: rgb(33, 89, 103)">1、趸交</span></strong></section><section ><span style="text-align: center"><br /></span></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTNH7KY6rCk12Q1YhQ2s3ujovbrzEMSzeoesrLnQ0tsTbiadIjW8icXXthOfksdA8Cf4xKiaB7jMFOpjA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTNH7KY6rCk12Q1YhQ2s3ujovbrzEMSzeoesrLnQ0tsTbiadIjW8icXXthOfksdA8Cf4xKiaB7jMFOpjA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /><span ></span></p><section style="text-align: center"><span style="color: rgb(136, 136, 136)">收益top3为：</span><span style="color: rgb(255, 0, 0)">红色</span><span style="color: rgb(136, 136, 136)">＞</span><span style="color: rgb(255, 169, 0)">橙色</span><span style="color: rgb(136, 136, 136)">＞</span><span style="color: rgb(120, 172, 254)">蓝色</span><span style="color: rgb(136, 136, 136)">，参照组不参与排名，下同</span></section><section ><br /></section><section ><span >农银-金穗臻享和中邮-邮保一生C不支持趸交暂且不提。</span></section><section ><span ><br /></span></section><section ><span >剩余9款产品中，账户金额综合排名前3分别是：</span></section><section ><span ><br /></span></section><section ><strong><span >中银-尊享人生＞招商信诺-和瑞一号<strong style="color: rgb(51, 51, 51); text-align: justify"><span >＞中银-尊享家传；</span></strong></span></strong></section><section ><br /></section><section ><span style="color: rgb(51, 51, 51); text-align: justify">趸交下，这几家收益最低是建信-龙耀一世C、中信保诚-基石恒利，以及中荷-爱家保。</span></section><section ><span style="color: rgb(51, 51, 51); text-align: justify"></span></section><section ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section ><strong><span style="color: rgb(33, 89, 103)">2、三年交</span></strong></section><section ><span style="text-align: center"><br /></span></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTNH7KY6rCk12Q1YhQ2s3ujoMkwNd0QIeqOZQIlqxYsmGGbl2ticUA2uAD357cktkml0Bnf572Wt1PA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTNH7KY6rCk12Q1YhQ2s3ujoMkwNd0QIeqOZQIlqxYsmGGbl2ticUA2uAD357cktkml0Bnf572Wt1PA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section style="text-align: center"><span style="color: rgb(51, 51, 51); text-align: justify"><span style="text-align: center; color: rgb(136, 136, 136)"></span></span></section><section ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section ><span style="color: rgb(51, 51, 51); text-align: justify">3年交时，和趸交结论差不多。<br /></span></section><section ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section ><span style="color: rgb(51, 51, 51); text-align: justify">只是中邮-邮保一生C的强势加入，使前三甲发生了一些变化：</span></section><section ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section ><span style="color: rgb(51, 51, 51); text-align: justify"><strong style="color: rgb(51, 51, 51); text-align: justify"><span >中银-尊享人生＞中邮-邮保一生C＞招商信诺-和瑞一号<strong style="color: rgb(51, 51, 51); text-align: justify"><span >；</span></strong></span></strong></span></section><section ><span style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></span></section><section ><span style="color: rgb(51, 51, 51); text-align: justify"><span >垫底的，还是趸交那仨。</span></span></section><section ><br /></section><section ><span style="color: rgb(51, 51, 51); text-align: justify"><strong style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(33, 89, 103)">3、五年交</span></strong></span></section><section ><span style="text-align: center"><br /></span></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTNH7KY6rCk12Q1YhQ2s3ujoUucV4ib6rHWvDxpSj6bjBNbGGl94Og3xX7wAQicEMia7AtuEF6ho0tq8g%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTNH7KY6rCk12Q1YhQ2s3ujoUucV4ib6rHWvDxpSj6bjBNbGGl94Og3xX7wAQicEMia7AtuEF6ho0tq8g/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section ><span style="color: rgb(51, 51, 51); text-align: justify">5年交的</span><span ></span><span >收益前三分别是：</span></section><section ><span ><br /></span></section><section ><span ><strong style="color: rgb(51, 51, 51); text-align: justify"><span >中银-尊享人生＞中邮-邮保一生C＞光大永明-光明至尊（庆典版）<strong style="color: rgb(51, 51, 51); text-align: justify"><span >；</span></strong></span></strong></span></section><section ><span ><br /></span></section><section ><span >倒数前三依旧。</span></section><section ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section ><span style="color: rgb(51, 51, 51); text-align: justify"><strong style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(33, 89, 103)">4、十年交</span></strong></span></section><section ><span style="text-align: center"><br /></span></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTNH7KY6rCk12Q1YhQ2s3ujonOg4B66h5XicB1XjxSmgAc0jSrwMbQ3W9jj1OP0oibYhpibywqAV8jKEg%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTNH7KY6rCk12Q1YhQ2s3ujonOg4B66h5XicB1XjxSmgAc0jSrwMbQ3W9jj1OP0oibYhpibywqAV8jKEg/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section ><span ><span style="color: rgb(51, 51, 51); text-align: justify">10年交又有了些变化，</span></span><span >收益前三是：</span></section><section ><br /></section><section ><strong ><span >中银-尊享人生<strong style="color: rgb(51, 51, 51); text-align: justify"><span >＞中银-尊享家传<strong style="color: rgb(51, 51, 51); text-align: justify"><span >＞交银-私享五号</span></strong>；</span></strong></span></strong></section><section ><span ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></span></section><section ><span ><span style="color: rgb(51, 51, 51); text-align: justify">新面孔上位，3年、5年交挺强势的中邮-邮保一生C则无此缴费期。</span></span></section><section ><span ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></span></section><section ><span ><span style="color: rgb(51, 51, 51); text-align: justify">争来争去，只有倒数那几个发挥真的稳定...</span></span></section><section ><span ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></span></section><section ><span ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></span></section><section ><span style="color: rgb(33, 89, 103); text-align: start">三、</span><span ></span></section><section ><span ><br /></span></section><section ><span ><span style="color: rgb(51, 51, 51); text-align: justify">不难看出，以上10款增额寿险大致可分为3梯队<em>（同梯队产品收益很接近）</em>：</span></span></section><section ><span ><br /></span></section><ul ><li style="color: rgb(33, 89, 103)"><p ><strong><span style="color: rgb(33, 89, 103)">T1：</span></strong><span style="color: rgb(33, 89, 103)">中银三星-</span><span style="color: rgb(33, 89, 103)">尊享人生、中邮-邮保一生C款</span><span style="color: rgb(33, 89, 103)">；</span></p></li><li style="color: rgb(33, 89, 103)"><p ><strong><span style="color: rgb(33, 89, 103)">T2：</span></strong><span style="color: rgb(33, 89, 103)">招商信诺-和瑞一号</span><span style="color: rgb(33, 89, 103); text-align: justify">、<span style="color: rgb(33, 89, 103); text-align: justify">光</span><span style="color: rgb(33, 89, 103); text-align: justify">大永明-光明至尊庆典版</span>、<span style="color: rgb(33, 89, 103); text-align: justify">中银三星-</span><span style="color: rgb(33, 89, 103); text-align: justify">尊享家传、交银-私享五号&amp;私享臻选</span>；</span></p></li><li style="color: rgb(33, 89, 103)"><p ><strong><span style="color: rgb(33, 89, 103)">T3</span></strong><strong><span style="color: rgb(33, 89, 103)">：</span></strong><span style="text-align: justify; color: rgb(33, 89, 103)">工银安盛-鑫如意玖号、农银-金穗臻享、建信-龙耀一世C款、中信保诚-基石恒利、中荷-爱家保。</span><span style="color: rgb(51, 51, 51)"></span><strong style="color: rgb(51, 51, 51)"></strong></p></li></ul><section ><span ><br /></span></section><section ><span >当然，大家应该明白，这只是银行系保险公司内部的评比。</span></section><section ><span ><br /></span></section><section ><span >放眼全市场的话，即便是上面T1级别的增额寿收益，仍只能说“还有待提升”。</span></section><section ><span ><br /></span></section><section ><span >以5年、10年交为例，<span style="color: rgb(51, 51, 51); text-align: justify">我按持有时间，算了每10年以上各家增额寿的</span><strong style="color: rgb(51, 51, 51); text-align: justify">IRR（实际收益率）：</strong></span></section><section ><span ><strong style="color: rgb(51, 51, 51); text-align: justify"><br /></strong></span></section><p ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTNH7KY6rCk12Q1YhQ2s3ujozMQ9Oqoick32rsz24RvKWW3ThfvkCschlJN4d3JUeGw6ia8gJZEALomA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTNH7KY6rCk12Q1YhQ2s3ujozMQ9Oqoick32rsz24RvKWW3ThfvkCschlJN4d3JUeGw6ia8gJZEALomA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><p ><br /></p><p ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTNH7KY6rCk12Q1YhQ2s3ujoMkMok4ww0xdxAQABG6yOicBdn0piasJNSQicyojmHfOlvYVxT6HFwtdkA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTNH7KY6rCk12Q1YhQ2s3ujoMkMok4ww0xdxAQABG6yOicBdn0piasJNSQicyojmHfOlvYVxT6HFwtdkA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section ><br /></section><section ><span >作为对比，我们看下同期</span><span ><strong style="color: rgb(51, 51, 51); text-align: justify">“老七家”、合资保险公司及其他大公司</strong></span><span ><span style="color: rgb(51, 51, 51); text-align: justify">的增额寿IRR数据：</span></span></section><section ><span style="text-align: center"><br /></span></section><section ><span ><span style="color: rgb(51, 51, 51); text-align: justify"></span></span></section><p ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTNH7KY6rCk12Q1YhQ2s3ujouHTmpSt2hpNlb0qRacjxxyakRqruoHxibQw9OlfumeUiaUTRNl3GsJyQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTNH7KY6rCk12Q1YhQ2s3ujouHTmpSt2hpNlb0qRacjxxyakRqruoHxibQw9OlfumeUiaUTRNl3GsJyQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><p ><br /></p><p ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTNH7KY6rCk12Q1YhQ2s3ujotT8X9tX3dE7Z7Y58fzZdxpoGddGU4d6CbmZNsYfiaYjn9BAet78da7Q%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTNH7KY6rCk12Q1YhQ2s3ujotT8X9tX3dE7Z7Y58fzZdxpoGddGU4d6CbmZNsYfiaYjn9BAet78da7Q/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%2FO95eeDepqTMjDoksfTYOhRJDYLjw2f4MMv0rKpsc7Wo8T8oRLE5XGsdNgibVUxz4eeN4QDJluGgfiaUdgBHHe02A%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTMjDoksfTYOhRJDYLjw2f4MMv0rKpsc7Wo8T8oRLE5XGsdNgibVUxz4eeN4QDJluGgfiaUdgBHHe02A/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section ><span ></span><span style="text-align: center"></span></section><section ><br /></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >就收益来看，各大银行系保险公司的增额寿，整个产品周期IRR都很难突破3.4%，这点和老七家别无二致。</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >作为对比，市面顶流产品的IRR数据，<strong>仅持有10年，IRR就能突破3.4%，产品周期内最高可超3.49%！</strong></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><strong><br /></strong></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><em><span >注：第一梯队增额寿</span><span >详细评测可以戳：</span><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&amp;mid=2247494591&amp;idx=1&amp;sn=f114f9fd3bff775622dd70cc38e831fd&amp;chksm=cfb6083ff8c18129bccc84f79f44bfebfa82488eec89aeff43b4e06c5c3af67623cb1ed4d9e4&amp;scene=21#wechat_redirect" textvalue="收益排行榜，所有线上线下增额终身寿大PK" linktype="text" imgurl="" imgdata="null" tab="innerlink" style="color: rgb(87, 107, 149)">收益排行榜，所有线上线下增额寿大PK</a></span></em></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >即便只和同样背景深厚的保险公司比，如</span><span ><span style="color: rgb(51, 51, 51); text-align: justify">央企</span><span style="color: rgb(51, 51, 51); text-align: justify">招商局集</span><span style="color: rgb(51, 51, 51); text-align: justify">团旗下的</span></span><span >招商仁和人寿，或者国资背景的</span><span >中华人寿、</span><span >长城人寿。</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >银行系增额终身寿，收益也很难比肩这几家的产品（像招商仁和金盈卫IRR最高有3.48%）。</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >这里就可以看出<strong>信息不对称</strong>的坏处，</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >因</span><span >为很多人是通过银行才初次</span><span >接触增额终身寿这类险种，收益参考</span><span >对象并非市面同类产品，而是低利率</span><span >的</span><span >银</span><span >行</span><span >存款，很容易就</span><span >“接受</span><span >”</span><span >了</span><span >，却无法了解到顶级的增额寿收益怎么样</span><span >。</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >无论怎么看，银行系的增额终身寿收益想追平第一梯队产品，都还有很长一段路要走。</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >......</span></section><section ><br /></section><section style="color: rgb(34, 34, 34)"><strong ><span style="color: rgba(0, 0, 0, 0.9); text-align: start">有问题，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“免费咨询”菜单找我团队专业规划老师帮忙。</span></strong></section><section style="color: rgb(34, 34, 34)"><strong style="color: rgb(0, 0, 0)"></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 ><br style="color: rgb(34, 34, 34)" /></section><p ><span style="color: rgb(0, 0, 0)">相关阅读：</span><br /></p><section ><br /></section><section style="color: rgb(34, 34, 34)"><strong ><span >大公司增额寿评测：</span></strong></section><section style="color: rgb(34, 34, 34)"><strong ><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&amp;mid=2247494252&amp;idx=1&amp;sn=e55272fcaedc0b878aefdc18f5bc1027&amp;chksm=cfb609ecf8c180fad7fc6da421c3da6898c390ceedc138231228214b8042731d1db35351a083&amp;scene=21#wechat_redirect" textvalue="大公司的增额终身寿，收益是什么水平？" linktype="text" imgurl="" imgdata="null" tab="innerlink"></a></span></strong><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&amp;mid=2247494252&amp;idx=1&amp;sn=e55272fcaedc0b878aefdc18f5bc1027&amp;chksm=cfb609ecf8c180fad7fc6da421c3da6898c390ceedc138231228214b8042731d1db35351a083&amp;scene=21#wechat_redirect" textvalue="大公司的增额终身寿，收益是什么水平？" linktype="text" imgurl="" imgdata="null" tab="innerlink">大公司的增额终身寿，收益是什么水平？</a></span></section><section style="color: rgb(34, 34, 34)"><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&amp;mid=2247494773&amp;idx=1&amp;sn=21a8bfd2b82b7b789eb71f4188cde73d&amp;chksm=cfb60ff5f8c186e3406a91a7aafd9edb8d3bde0495dc014c89c473edf730150b97dc643987ab&amp;scene=21#wechat_redirect" textvalue="大公司的增额终身寿，还有这几家" linktype="text" imgurl="" imgdata="null" tab="innerlink" ><span >大公司的增额终身寿，还有这几家</span></a><br /></section><section style="color: rgb(34, 34, 34)"><br /></section><section style="color: rgb(34, 34, 34)"><span ><strong ><span ><strong style="color: rgb(34, 34, 34); text-align: justify">增额挑选标准：</strong><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" style="color: rgb(87, 107, 149); text-align: justify">关于增额终身寿，我把这些实话一次全告诉你</a></span></strong></span></section><section style="color: rgb(34, 34, 34)"><span ><strong ><span >增额终身寿科普：<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"></a></span></strong><span ><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">比存银行更好的存钱新路子</a></span></span></section><section style="color: rgb(34, 34, 34)"><span ><strong >减保政策：</strong></span><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&amp;mid=2247492910&amp;idx=1&amp;sn=a5cdd63fa460660d59517e0435f912e3&amp;chksm=cfb606aef8c18fb895672db8002a9fe0e9f788eda2edf38d72df34b9a5f13da73f926f6d6796&amp;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" wah-hotarea="click" >最适合普通人的理财，2022年开始陆续收紧了！</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; 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