<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%2FO95eeDepqTP9Pc5WV7LUHMzkoJ3IkgjueZLxYUtiboRxe6fsmaYCJVKfhqKia5eNwb4Kjkqjw4jzEzXicynJjKLcw%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/O95eeDepqTP9Pc5WV7LUHMzkoJ3IkgjueZLxYUtiboRxe6fsmaYCJVKfhqKia5eNwb4Kjkqjw4jzEzXicynJjKLcw/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 style="color: rgb(51, 51, 51); text-align: justify">说起国内保险公司，就资本背景看，就两种：<strong>国资、外资</strong>。</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">国资咱们都听得多了，国寿、人保、太平、新华等保险公司都是；</span></section><section ><br /></section><section ><span style="color: rgb(51, 51, 51); text-align: justify">外资背景的保险公司就“罕见”些（友邦可能相对知名），除了去银行，不怎么了解保险的普通人较少会接触到。</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">可奈何这些外资保险公司，背景都太大了。</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">很多都是世界500强间的联手合资，</span><span >论背景真不一定比国内的“</span><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247494252&idx=1&sn=e55272fcaedc0b878aefdc18f5bc1027&chksm=cfb609ecf8c180fad7fc6da421c3da6898c390ceedc138231228214b8042731d1db35351a083&scene=21#wechat_redirect" textvalue="老七家" linktype="text" imgurl="" imgdata="null" tab="innerlink" >老七家</a><span >”差。</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"><strong>那我们评测增额终身寿，肯定不能把它们给落下了...</strong></span><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 style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(51, 51, 51); text-align: justify">今天就一起来看，这些“中外混血”的增额寿险，收益是啥水平。</span><span ></span></section><section ><span ></span></section><section ><span ><br /></span></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 >老规矩，还不明白增额终身寿是啥、怎么选的朋友，</span></p><p ><span ><br /></span></p><p ><span >先去看下我之前写的：</span><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247493287&idx=1&sn=c67de5048364c763c64d745c8554dcf0&chksm=cfb60527f8c18c3174405593f6d532cb8f83f81e138e62eb17fdfc577bfbda31b5d6fac3c7be&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">关于增额终身寿，我把这些实话一次全告诉你</a></span></p><p ><span ><br /></span></p><p ><span >新手入门专用。</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%2FO95eeDepqTNiboHSANJogJCZyXQmEqGlMaK7vem8JVltHKxXJNPcU4Sqkp3M1icVR5p2VLzd8KHWMpEwtmBmMqjQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTNiboHSANJogJCZyXQmEqGlMaK7vem8JVltHKxXJNPcU4Sqkp3M1icVR5p2VLzd8KHWMpEwtmBmMqjQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><p ><br /></p><p ><span >接下来直接放出本次增额寿评测涉及到的<span style="color: rgb(51, 51, 51); text-align: justify">保险公司</span><span style="color: rgb(51, 51, 51); text-align: justify">名单，共计11家，</span></span><span >包括</span><span >：</span></p><p ><span ><br /></span></p><section style="color: rgb(34, 34, 34); text-align: left"><em ><span >1、<strong>中意人寿</strong>：中石油（持股50%）+意大利忠利保险（持股50%）；</span></em></section><section style="color: rgb(34, 34, 34); text-align: left"><em ><span >2、<strong>中英人寿</strong>：中粮资本（持股50%）+英国英杰华集团（持股50%）；</span></em></section><section style="color: rgb(34, 34, 34); text-align: left"><em ><span >3、<strong>中宏人寿</strong>：中化集团（持股49%）+加拿大宏利集团（持股51%）；</span></em></section><section style="color: rgb(34, 34, 34); text-align: left"><em ><span >4、<strong>中荷人寿</strong>：北京银行（持股50%）+法国巴黎保险集团（持股50%）；</span></em></section><section style="color: rgb(34, 34, 34); text-align: left"><em ><span >5、<strong>陆家嘴国泰人寿</strong>：上海陆家嘴集团（持股50%）+台湾省国泰人寿（持股50%）；</span></em></section><section style="color: rgb(34, 34, 34); text-align: left"><em ><span >6、<strong>同方全球人寿</strong>：同方股份（持股50%）+荷兰全球保险集团（持股50%）；<br /></span></em></section><section style="color: rgb(34, 34, 34); text-align: left"><em ><span >7、<strong>瑞泰人寿</strong>：国家能源集团（持股50%）+南非耆卫人寿保险（持股50%）；</span></em></section><section style="color: rgb(34, 34, 34); text-align: left"><em ><span >8、<strong>长生人寿</strong>：长城资管（持股70%）+日本生命保险（持股30%）；<br /></span></em></section><section style="color: rgb(34, 34, 34); text-align: left"><em ><span >9、<strong>恒安标准人寿</strong>：天津市泰达</span></em><em ><span >国际控股（持股50%）+英国标准人寿安本集团（持股50%）</span></em><em ><span >；</span></em></section><section style="color: rgb(34, 34, 34); text-align: left"><em ><span >10、<strong>复星保德信人寿</strong>：复星国际（持股50%）+美国保德信集团（持股50%）；<br /></span></em></section><section style="color: rgb(34, 34, 34); text-align: left"><em ><span >11、<strong>光大永明人寿</strong>：光大集团（持股50%）+加拿大永明人寿（持股24.99%）+鞍钢集团（持股12.505%）+中国兵器工业集团（持股12.505%）。</span></em></section><p ><span ><br /></span></p><p ><span >各家背景就不深扒了，大伙可以自行搜索，都是国内外很出名的公司。</span></p><p ><span ><br /></span></p><p ><span >例如中意人寿的俩股东，中石油不用多说，外资股东意大利忠利集团2021年《财富》世界500强排名73位，全球最大的保险公司之一。<br /></span></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%2FO95eeDepqTMEFic3AN7icXTjia2icq2LuQOp40r7pNxAfWomHvlXLgM2SnoNJRpUq5eNI1Gn42f1YUzUU63ic3Fw4Dg%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTMEFic3AN7icXTjia2icq2LuQOp40r7pNxAfWomHvlXLgM2SnoNJRpUq5eNI1Gn42f1YUzUU63ic3Fw4Dg/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /><span style="text-align: justify"></span></section><p ><span ><br /></span></p><p ><span >当然，合资保险公司不止这些，如此前评测过的</span><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247493334&idx=1&sn=c3322a8afc23653ca6c2e350bb72a4bc&chksm=cfb60556f8c18c4040554f486bff905a36889f1dd5d574bfdd191728f2e2c4670796e760c750&scene=21#wechat_redirect" textvalue="“银行系”保险公司" linktype="text" imgurl="" imgdata="null" tab="innerlink" ><span >“银行系”保险公司</span></a><span >，大多都是中外合资。</span></p><p ><br /></p><p ><span >像工银安盛人寿（工商银行）、招商信诺人寿（招商银行）、交银人寿（交通银行）、中信保诚人寿（中信银行）等...</span></p><p ><span ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></span></p><p style="color: rgb(34, 34, 34); text-align: left"><em ><span >*注：前面提到的中荷人寿、光大永明人寿其实也算“银行系”保险公司。</span></em></p><p ><span ><br /></span></p><p ><span >那么，回到产品，今天参与评测的各家「<strong>增额终身寿险</strong>」产品如下：</span><span style="color: rgb(33, 89, 103)"></span></p><p ><span style="color: rgb(33, 89, 103)"><br /></span></p><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTO0VzryaY9BWvgVZX1DlWIZVWWVqzbTPXMyichuIQ4wpAD5tc0WfDl0xicUpZAVk0gThH2Rm5aOItUg%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTO0VzryaY9BWvgVZX1DlWIZVWWVqzbTPXMyichuIQ4wpAD5tc0WfDl0xicUpZAVk0gThH2Rm5aOItUg/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: justify"><br /></section><section style="color: rgb(51, 51, 51); text-align: justify"><br /></section><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 >接下来进行上面11款<span style="color: rgb(51, 51, 51); text-align: justify">“中外混血”增额终身寿的收益对比。</span></span></section><section ><span ><br /></span></section><section ><span >按例给右方加了一列，当前收益第一梯队的增额终身寿作为“<strong>参照组</strong>”。</span></section><section ><span ><br /></span></section><section ><span >以给10岁男孩买，总投入30万，10年交收益对比为例。</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%2FO95eeDepqTMEFic3AN7icXTjia2icq2LuQOpGib0OjyAdS19ysdvlXcicqBAbEUluSNAoBiaqYjtOdlFxTqQNI9Xq1ddg%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTMEFic3AN7icXTjia2icq2LuQOpGib0OjyAdS19ysdvlXcicqBAbEUluSNAoBiaqYjtOdlFxTqQNI9Xq1ddg/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></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</span></section><section ><span ><br /></span></section><section ><span >可以看到，账户金额综合排名前3分别是：</span></section><section ><span ><br /></span></section><section ><strong><span >瑞泰瑞享福盈＞长生世纪鸿运＞中意永续我爱 & 复保星盈家</span></strong></section><section ><br /></section><section ><span ><span style="color: rgb(51, 51, 51); text-align: justify">要是分阶段看，top2基本不变，还是瑞享福盈和世纪鸿运。</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">持有60年内，中意人寿的永续我爱（庆典版</span><span style="color: rgb(51, 51, 51); text-align: justify">）能位居第三；</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">复保的星盈家，比较特殊，持有时间越长，收益越高，最后十年可以跃居第一。</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">不过考虑到大多数人，买增额寿难以持有如此长时间，通常都在50年内，合理的对比应该是这样 ▼：</span></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%2FO95eeDepqTMEFic3AN7icXTjia2icq2LuQOpR4RickDPhQxZXh1yGhF0pVg2XNYhSLEdVGztZeYgUozW3qwzEFTNdMQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTMEFic3AN7icXTjia2icq2LuQOpR4RickDPhQxZXh1yGhF0pVg2XNYhSLEdVGztZeYgUozW3qwzEFTNdMQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section ><span ><span style="color: rgb(51, 51, 51); text-align: justify"></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">要是再给</span><span style="color: rgb(51, 51, 51); text-align: justify">这11家</span></span><span >增额终身寿分个级：</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)">瑞泰瑞享福盈；</span></p></li><li style="color: rgb(33, 89, 103)"><p ><strong><span style="color: rgb(33, 89, 103)">T2：</span></strong><strong><span style="color: rgb(33, 89, 103)"></span></strong><span style="color: rgb(33, 89, 103)">长生世纪鸿运、</span><span style="color: rgb(33, 89, 103); text-align: justify">中意永续我爱庆典版、陆家嘴国泰恒泰尊享、复保星盈家、光大永明光明至尊庆典版；</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)">中英鑫享世承、同方全球传世尊享荣耀版、恒标传世金升。</span></p></li></ul><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">中宏真爱永伴、中荷爱家保收益垫底。</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">不过这只是合资保险公司<span style="text-align: justify">的内部PK，</span></span></section><section ><span style="color: rgb(51, 51, 51); text-align: justify"><span style="text-align: justify"><br /></span></span></section><section ><span style="color: rgb(51, 51, 51); text-align: justify"><span style="text-align: justify">大家这时可以看下最右的参照组，</span></span><span >会发现真正极致的增额终身寿长啥样。</span></section><section ><span style="color: rgb(51, 51, 51); text-align: justify"></span></section><section ><span ><br /></span></section><section ><span >本金30万，持有50年，参照组比T1<span style="color: rgb(51, 51, 51); text-align: justify">的瑞泰瑞享福盈，账户金额多了<strong>40000元</strong>，相当于本金的13%；</span></span><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"><br /></span></span></section><section ><span ><span style="color: rgb(51, 51, 51); text-align: justify">同样的，<span style="color: rgb(51, 51, 51); text-align: justify">参照组比T2</span><span style="color: rgb(51, 51, 51); text-align: justify">的代表中意永续我爱庆典版，账户金额多了近<strong >90000元</strong>，相当于本金的30%；</span><br /></span></span></section><section ><span ><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 ><span style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(51, 51, 51); text-align: justify">接着是T3，<span style="color: rgb(51, 51, 51); text-align: justify">参照组比中英鑫享世承，<span style="color: rgb(51, 51, 51); text-align: justify">账户金额高了</span><strong style="color: rgb(51, 51, 51); text-align: justify">126000元</strong><span style="color: rgb(51, 51, 51); text-align: justify">，相当于本金的</span><span style="color: rgb(51, 51, 51); text-align: justify">42</span><span style="color: rgb(51, 51, 51); text-align: justify">%；</span></span><br /></span></span></span></section><section ><span ><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"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></span></span></span></span></section><section ><span ><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"><span style="color: rgb(51, 51, 51); text-align: justify">剩下的，就不用比了，</span></span></span></span></span><span >要是</span><span >持</span><span >有时间更长，</span><span >差距还会</span><span >更大。</span></section><section ><br /></section><section ><span >我按持有时间，算了每10年各家增额寿的<strong>IRR（实际收益率）</strong>，和折算成<strong>银行存款单利</strong>的对比：</span></section><section ><span ><br /></span></section><p ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTMEFic3AN7icXTjia2icq2LuQOpmruLib3QXmyQiclVAHhISY8Amq6OpuiaCO8P6pWkT36bVbRRibToYGT4zw%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTMEFic3AN7icXTjia2icq2LuQOpmruLib3QXmyQiclVAHhISY8Amq6OpuiaCO8P6pWkT36bVbRRibToYGT4zw/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%2FO95eeDepqTMEFic3AN7icXTjia2icq2LuQOpZShFqn5Piag5Bm6UW4806Sq2hibicjIPuI0bZDTcbQyLdXA6rqn13FQNA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTMEFic3AN7icXTjia2icq2LuQOpZShFqn5Piag5Bm6UW4806Sq2hibicjIPuI0bZDTcbQyLdXA6rqn13FQNA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section ><br /></section><section ><span >和刚刚的T1-T3分级，结论一致。</span></section><section ><span ><br /></span></section><section ><strong><span >大家还记得</span><span >增额终身寿的挑选标准么？</span></strong><span ></span></section><section ><span ><br /></span></section><section ><span >其中重要的一点就是，<strong>IRR何时突破3.4%</strong>，这个时间越短越好，</span></section><section ><span ><br /></span></section><section ><span >例如<span style="color: rgb(51, 51, 51); text-align: justify">参照组第10年IRR就有3.45%了</span>。<br /></span></section><section ><br /></section><section ><span >而这11家合资保险公司的增额寿，瑞泰瑞享福盈持有近40年，IRR才到3.4%；</span></section><section ><span ><br /></span></section><section ><span >长生世纪鸿运、光大永明光明至尊庆典版等更晚才能突破。</span></section><section ><span ><br /></span></section><section ><span >其他</span><span >家，基本</span><span >全产品周期IRR都很难达到3.4%</span><span >。</span></section><section ><br /></section><section ><strong><span >远不及当前收益第一梯队的增额</span></strong><strong><span >寿</span></strong><strong><span >。</span></strong></section><section ><strong><span ><br /></span></strong></section><section ><span >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==&mid=2247494591&idx=1&sn=f114f9fd3bff775622dd70cc38e831fd&chksm=cfb6083ff8c18129bccc84f79f44bfebfa82488eec89aeff43b4e06c5c3af67623cb1ed4d9e4&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">收益排行榜，所有线上线下增额寿大PK</a></span><span ></span></section><section ><span ><br /></span></section><section ><span >都说外来的和尚好念经，可在增额终身寿险这个领域，本土增额寿险仍是更好的选择。<br /></span></section><section ><span ><br /></span></section><section style="color: rgb(34, 34, 34)"><strong ><span style="color: rgba(0, 0, 0, 0.9); text-align: start">有疑问，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你解决。</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)"><span ><strong >增额挑选标准：<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247493287&idx=1&sn=c67de5048364c763c64d745c8554dcf0&chksm=cfb60527f8c18c3174405593f6d532cb8f83f81e138e62eb17fdfc577bfbda31b5d6fac3c7be&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"></a></strong><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247493287&idx=1&sn=c67de5048364c763c64d745c8554dcf0&chksm=cfb60527f8c18c3174405593f6d532cb8f83f81e138e62eb17fdfc577bfbda31b5d6fac3c7be&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">关于增额终身寿，我把这些实话一次全告诉你</a></span><br /></section><section style="color: rgb(34, 34, 34)"><strong ><span >大公司增额寿评测：<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247494252&idx=1&sn=e55272fcaedc0b878aefdc18f5bc1027&chksm=cfb609ecf8c180fad7fc6da421c3da6898c390ceedc138231228214b8042731d1db35351a083&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==&mid=2247494252&idx=1&sn=e55272fcaedc0b878aefdc18f5bc1027&chksm=cfb609ecf8c180fad7fc6da421c3da6898c390ceedc138231228214b8042731d1db35351a083&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)"><span ><strong ><span >增额终身寿科普：<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247493504&idx=1&sn=fe6fef6b0bdb5390409f74eeea7d57a4&chksm=cfb60400f8c18d164c7051205062f7944b9539f2ed43df5f72f71cbdfdb93f1e4228b76510b4&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==&mid=2247493504&idx=1&sn=fe6fef6b0bdb5390409f74eeea7d57a4&chksm=cfb60400f8c18d164c7051205062f7944b9539f2ed43df5f72f71cbdfdb93f1e4228b76510b4&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==&mid=2247492910&idx=1&sn=a5cdd63fa460660d59517e0435f912e3&chksm=cfb606aef8c18fb895672db8002a9fe0e9f788eda2edf38d72df34b9a5f13da73f926f6d6796&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 >— </span><strong >END </strong><span >—</span></span></section><section ></mpprofile></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 > <span style="color: rgb(136, 136, 136)">点击阅读原文，</span></span><span style="color: rgb(136, 136, 136)">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></section><section style="text-align: left"><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>
