<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%2FO95eeDepqTOPb87AcicqDfoaZZeDx1I3oRgMcCiaibiag9d8LZADSk8xwQQf5XicbcjUpbA6EpicZTcCbia7A3Rd2ZB2w%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/O95eeDepqTOPb87AcicqDfoaZZeDx1I3oRgMcCiaibiag9d8LZADSk8xwQQf5XicbcjUpbA6EpicZTcCbia7A3Rd2ZB2w/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 style="color: rgb(51, 51, 51); text-align: justify">增额终身寿险，素来不是线下大公司的产品重心。</span></span></section><section ><span ></span></section><section ><span ><br /></span></section><section ><span >不过形势比人强，在“年金+万能”这一组合日渐疲软下，</span></section><section ><span ><br /></span></section><section ><span >表面收益低、实际</span><span >收益却更高的</span><strong><span >增额终身寿</span></strong><span >已事实成为市场追捧的新对象。</span></section><section ><span ><br /></span></section><section ><span >市场在哪里，就决定了保险公司们重心在哪里。</span></section><section ><span ><br /></span></section><section ><span >眼看着同行瓜分市场，<span style="color: rgb(51, 51, 51); text-align: justify">大势所趋下，</span>保险公司巨头们也坐不住了，着手调整产品方向。</span><span ></span></section><section ><span ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></span></section><section ><strong><span >“老七家”，纷纷征战增额寿。</span></strong><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 ><em ><span ><em style="color: rgb(34, 34, 34)"><span >注：老七家，指国内规模最大的7家寿险公司（国寿、平安、太保、太平、人保、新华、泰康）。</span></em></span></em><span ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></span></section><section ><span ></span></section><section ><span ><br /></span></section><section ><span ><br /></span></section><section ><span ><span style="color: rgb(33, 89, 103); text-align: start">一、</span></span></section><p ><br /></p><p ><span >增额寿是啥？怎么挑选？</span></p><p ><span ><br /></span></p><p style="color: rgb(51, 51, 51); text-align: justify"><span >我在 </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" style="color: rgb(87, 107, 149)">关于增额终身寿，我把这些实话一次全告诉你</a></span><span > 中都说过，不了解的朋友可以去看下。</span><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%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 ><span ><br /></span></p><p ><span >说回产品，</span><span >我选了7款</span><span >“老七家</span><span >”</span><span >主</span><span >打的最新增额寿：</span><span ></span></p><p ><span ><br /></span></p><section style="color: rgb(34, 34, 34); text-align: justify"><em ><span >1、<em style="color: rgb(34, 34, 34)"><span >平安人寿-</span></em><em style="color: rgb(34, 34, 34)"><span >盛世金越</span></em><em style="color: rgb(34, 34, 34)"><span >；</span></em></span></em></section><section style="color: rgb(34, 34, 34); text-align: justify"><em ><span >2、<em style="color: rgb(34, 34, 34)"><span ><em ><span ><em ><span >中国</span></em><em ><span >人寿-臻享传家</span></em><em ><span >；</span></em></span></em></span></em></span></em></section><section style="color: rgb(34, 34, 34); text-align: justify"><em ><span >3、人保寿险<em style="color: rgb(34, 34, 34)"><span ><em ><span >-福满世家</span></em><em ><span >；</span></em></span></em></span></em></section><section style="color: rgb(34, 34, 34); text-align: justify"><em ><span >4、<em style="color: rgb(34, 34, 34)"><span >太平洋人寿-长相伴（臻享版）；</span></em></span></em></section><section style="color: rgb(34, 34, 34); text-align: justify"><em ><span >5、太平人寿-岁悦添富；</span></em></section><section style="color: rgb(34, 34, 34); text-align: justify"><em ><span >6、新华人寿-荣耀终身寿；<br /></span></em></section><section style="color: rgb(34, 34, 34); text-align: justify"><em ><span >7、泰康人寿-乐增寿。<br /></span></em></section><p ><span ><br /></span></p><p ><span >具体产品详情如下：</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%2FO95eeDepqTOPb87AcicqDfoaZZeDx1I3oGLl7OJD0ndqmeMCqtrtE6RMF4hWbFxRl6lbqJufysgB5PPuSic04rcQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTOPb87AcicqDfoaZZeDx1I3oGLl7OJD0ndqmeMCqtrtE6RMF4hWbFxRl6lbqJufysgB5PPuSic04rcQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /><span style="text-align: justify"></span></p><section ><span style="color: rgb(33, 89, 103); text-align: start"></span></section><section ><br /></section><section style="text-align: justify"><span ><span style="color: rgb(51, 51, 51); text-align: start"><span >不难看出</span></span><span style="color: rgb(51, 51, 51); text-align: start">，大公司的增额寿多数都受到了监管影响，</span></span></section><section style="text-align: justify"><span ><span style="color: rgb(51, 51, 51); text-align: start"><br /></span></span></section><section style="text-align: justify"><span ><span style="color: rgb(51, 51, 51); text-align: start">如不允许加保，<span style="color: rgb(51, 51, 51); text-align: start">减保</span>限制20%，<span style="color: rgb(51, 51, 51); text-align: start">保额递增比</span><span style="color: rgb(51, 51, 51); text-align: start">例</span><span style="color: rgb(51, 51, 51); text-align: start">统一</span><span style="color: rgb(51, 51, 51); text-align: start">3.5</span><span style="color: rgb(51, 51, 51); text-align: start">%</span>等。</span><span ><span ></span></span></span></section><section style="text-align: justify"><span ><span style="color: rgb(51, 51, 51); text-align: start"><br /></span></span></section><section style="text-align: justify"><span ><span style="color: rgb(51, 51, 51); text-align: start">当然，<strong>这是未来增额寿的趋势，是为了</strong></span></span><span ><span style="color: rgb(51, 51, 51); text-align: start"><strong>增额寿“更健康的发展”</strong></span></span><span ><span style="color: rgb(51, 51, 51); text-align: start"><span style="color: rgb(51, 51, 51); text-align: justify">，我们也不好说什么</span>。</span></span></section><section style="text-align: justify"><span ><span style="color: rgb(51, 51, 51); text-align: start"><br /></span></span></section><section style="text-align: justify"><span ><span style="color: rgb(51, 51, 51); text-align: start">其他产品功能，如保单贷款利率也少有亮点，都在4.85%-5.6%之间，不及当前最低的4.5%。</span></span></section><section style="text-align: justify"><span ><span style="color: rgb(51, 51, 51); text-align: start"><br /></span></span></section><section style="text-align: justify"><span ><span style="color: rgb(51, 51, 51); text-align: start">唯独<strong>身故保障</strong>有几家还可以，</span></span><span style="text-align: start">除人保、新华外的5家，</span></section><section style="text-align: justify"><span style="text-align: start"><br /></span></section><section style="text-align: justify"><span style="text-align: start">1</span><span style="text-align: start">8岁</span><span style="text-align: start">后身故赔付都是有效保额、现金价值、已交保费相应比例三者取大，不区分缴费期内外。</span></section><section style="text-align: justify"><span style="text-align: start"><br /></span></section><section style="text-align: justify"><span style="text-align: start">在长期缴费时，前期身故杠杆高一点。</span></section><section style="text-align: justify"><span ><span style="color: rgb(51, 51, 51); text-align: start"><br /></span></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><br /></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><span style="color: rgb(33, 89, 103); text-align: start">二、</span></span></section><section ><span ></span></section><section ><span ><br /></span></section><section ><span >下面来看<span style="color: rgb(51, 51, 51); text-align: justify">“老七家</span><span style="color: rgb(51, 51, 51); text-align: justify">”增额寿的收益对比。</span></span></section><section ><span ><br /></span></section><section ><span >老规矩，加一列当前收益第一梯队的增额寿</span><span >作为“<strong>参照组</strong>”。</span></section><section ><span ><br /></span></section><section ><span ><em style="text-align: justify; color: rgb(34, 34, 34)"><span ><em style="color: rgb(34, 34, 34)"><span >*注：太保长相伴（臻享版）仅支持9年/14年/19年缴费，下图中为3万9年交，总投入27万，为了公允加上了太保另一款增额寿长相伴（庆典版）作为对比。</span></em></span></em></span></section><section ><span ><br /></span></section><section ><span >以给10岁男孩，总投入30万，10年交收益对比如下。</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%2FO95eeDepqTOPb87AcicqDfoaZZeDx1I3oSBwHh9VVOZgmOzicEysNiaGPVNkXOne96Liaicq3lo0n3f68oGaciacZXicA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTOPb87AcicqDfoaZZeDx1I3oSBwHh9VVOZgmOzicEysNiaGPVNkXOne96Liaicq3lo0n3f68oGaciacZXicA/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 >明显，账户金额综合排名前3分别是：</span></section><section ><span ><br /></span></section><section ><strong><span >人保福满世家＞平安盛世金越＞太平岁悦添富</span></strong></section><section ><br /></section><section ><span >不过收益优势较大的也就前俩，</span></section><section ><span ><br /></span></section><section ><span >太平岁悦添富和新华荣耀、太保长相伴（庆典版）这仨收益很接近。</span></section><section ><span ><br /></span></section><section ><span >因此，<span style="color: rgb(51, 51, 51); text-align: justify">“老七家</span><span style="color: rgb(51, 51, 51); text-align: justify">”</span>增额寿里，如果要画出个道道来：</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)">人保福满世家、平安盛世金越；</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); text-align: justify">太平岁悦添富、新华荣耀、太保长相伴（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)">国寿臻享传家、泰康乐增寿。</span></p></li></ul><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">当然了，这只是<span style="color: rgb(51, 51, 51); text-align: justify">“老七家</span><span style="color: rgb(51, 51, 51); text-align: justify">”的内部对比。</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"><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">要是放眼整个增额终身寿市场，内部占据第一梯队的人保福满世家、平安盛世金越就不够看了</span></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">例如上图最右列的<strong>参照组</strong>，是一款真正意义<span style="color: rgb(51, 51, 51); text-align: justify">（全市</span><span style="color: rgb(51, 51, 51); text-align: justify">场）</span>上的T1增额寿。</span></span></section><section ><span ><br /></span></section><section ><span >本金30万，持有30年，参照组比<span style="color: rgb(51, 51, 51); text-align: justify">“老七家</span><span style="color: rgb(51, 51, 51); text-align: justify">”中收益最高的人保福满世家，账户金额多了<strong>8.7万元</strong>。</span></span><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 >相比另一款平安盛世金越更是高了<strong>9.2万</strong>。</span></section><section ><span ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></span></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTOPb87AcicqDfoaZZeDx1I3omukqvelQOBUzJ5zyP6v2BtAiadSq0VibyXCKBzawRe6ciaWfJ8NtJpW9g%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTOPb87AcicqDfoaZZeDx1I3omukqvelQOBUzJ5zyP6v2BtAiadSq0VibyXCKBzawRe6ciaWfJ8NtJpW9g/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">如果持有更长时间，差距更大。</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">这甚至比<span style="color: rgb(51, 51, 51); text-align: justify">“老七家</span><span style="color: rgb(51, 51, 51); text-align: justify">”中收益最高的福满世家，和收益最低的臻享传家差距还要大很多。</span></span></span></section><section ><span ><br /></span></section><section ><span >为了更直观点了解，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 ></span></section><section ><span ><br /></span></section><p ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTOPb87AcicqDfoaZZeDx1I3oeANLW547RCpjScib7Hz6fOIIB2XIH4dc9DbmRaHsia1enFibh5gwAoEBQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTOPb87AcicqDfoaZZeDx1I3oeANLW547RCpjScib7Hz6fOIIB2XIH4dc9DbmRaHsia1enFibh5gwAoEBQ/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%2FO95eeDepqTOPb87AcicqDfoaZZeDx1I3otSQibbRSbSJFGqG5kMhz4D07bBX2ibsrymCksaS2qrAvoWajILg7Umicw%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTOPb87AcicqDfoaZZeDx1I3otSQibbRSbSJFGqG5kMhz4D07bBX2ibsrymCksaS2qrAvoWajILg7Umicw/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section ><br /></section><section ><span >应该不用多说啥了，</span></section><section ><span ><br /></span></section><section ><span >就实际收益来看，<span style="color: rgb(51, 51, 51); text-align: justify">“老七家</span><span style="color: rgb(51, 51, 51); text-align: justify">”的增额寿还有很长一段路要走。</span></span></section><section ><span ><br /></span></section><section ><span >以我们开头增额寿的挑选标准，</span></section><section ><br /></section><section ><span >这几家<strong>全产品周期IRR都到不了3.4%</strong>的增额寿，和参照组第10年IRR就到3.45%相比，可谓天差地别。</span></section><section ><span ><br /></span></section><section ><span >这也是大公司的<span style="color: rgb(51, 51, 51); text-align: justify">“通病</span><span style="color: rgb(51, 51, 51); text-align: justify">”了。</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%2FO95eeDepqTNEm0u8UCsibjAgFOKuv8HFjw0oAf7PQt17CthrWtBfK4jFdkumPibH2wNmEr6eRKGSI0asQIbFFibcA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTNEm0u8UCsibjAgFOKuv8HFjw0oAf7PQt17CthrWtBfK4jFdkumPibH2wNmEr6eRKGSI0asQIbFFibcA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section ><span ><br /></span></section><section ><span ><span style="color: rgb(51, 51, 51); text-align: justify"></span><span style="color: rgb(51, 51, 51); text-align: justify">之前评</span><span style="color: rgb(51, 51, 51); text-align: justify">测</span><span style="color: rgb(51, 51, 51); text-align: justify">中邮（邮储银行</span><span style="color: rgb(51, 51, 51); text-align: justify">）</span><span style="color: rgb(51, 51, 51); text-align: justify">、建信（建设银行</span><span style="color: rgb(51, 51, 51); text-align: justify">）</span><span style="color: rgb(51, 51, 51); text-align: justify">、工银安盛</span><span style="color: rgb(51, 51, 51); text-align: justify">（</span><span style="color: rgb(51, 51, 51); text-align: justify">工商银行</span><span style="color: rgb(51, 51, 51); text-align: justify">）</span><span style="color: rgb(51, 51, 51); text-align: justify">等<strong>银行系</strong>保险公司的</span><span style="color: rgb(51, 51, 51); text-align: justify">增额寿，也</span><span style="color: rgb(51, 51, 51); text-align: justify">都</span><span style="color: rgb(51, 51, 51); text-align: justify">这样</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 ><em style="text-align: justify; color: rgb(34, 34, 34)"><span ><em style="color: rgb(34, 34, 34)"><span >体量大，声量足，占据渠道，不缺客户，换是我也没啥动力去设计逼近定价利率3.5%的极致收益产品，更别提还有一大票人要养。</span></em></span></em></span></section><section ><span ><br /></span></section><section ><span >只能说，公司越大，产品设计越<span style="color: rgb(51, 51, 51); text-align: justify">“稳重</span><span style="color: rgb(51, 51, 51); text-align: justify">”。</span></span></section><section ><span ><br /></span></section><section ><span ><span style="color: rgb(51, 51, 51); text-align: justify">其他</span><span style="color: rgb(51, 51, 51); text-align: justify">的，</span><span style="color: rgb(51, 51, 51); text-align: justify">就</span><span style="color: rgb(51, 51, 51); text-align: justify">不多</span><span style="color: rgb(51, 51, 51); text-align: justify">说了。</span></span></section><section ><br /></section><section ><span >大家只要知道，</span></section><section ><span ><strong><br /></strong></span></section><section ><span ><strong>当前最好的</strong><strong>增额寿实际收益IRR能到3.49%</strong>，其他说啥保额增长率、现金价值增长率都别听。</span><span ></span></section><section ><strong><span ></span></strong></section><section ><strong><span ><br /></span></strong></section><section ><span ><span ><span >想了解收益第一梯队的</span></span></span><span ><span ><span >增额寿，可以看下我之前的</span></span></span><span ><span >详细评测：</span></span><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247494160&idx=1&sn=7ba4e54a60edd07d183cd5e88207a03e&chksm=cfb60990f8c18086aa4f0e62477763453b70fa3614c8cba4424d4e3440e9394f98341e128513&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" ><span >收益排行榜，所有增额寿大PK</span></a></section><section ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247494160&idx=1&sn=7ba4e54a60edd07d183cd5e88207a03e&chksm=cfb60990f8c18086aa4f0e62477763453b70fa3614c8cba4424d4e3440e9394f98341e128513&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"><span ></span></a></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)"><span ></span></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 >银行系增额寿评测：<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="各大银行力推的增额终身寿，哪家收益最高？" linktype="text" imgurl="" imgdata="null" tab="innerlink"></a></span></strong><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="各大银行力推的增额终身寿，哪家收益最高？" linktype="text" imgurl="" imgdata="null" tab="innerlink">各大银行力推的增额终身寿，哪家收益最高？</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>
