<p style="text-align: justify"><span><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvRMRQ8Ot4BB9nrCw1EicbYY3lJMPC5n8NEwOm04yG4OtkRLNkOJZSCeey71IM1UpXswicff1otoiaAJg%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26tp%3Dwebp%23imgIndex%3D0" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvRMRQ8Ot4BB9nrCw1EicbYY3lJMPC5n8NEwOm04yG4OtkRLNkOJZSCeey71IM1UpXswicff1otoiaAJg/640?wx_fmt=png&from=appmsg&wxfrom=5&wx_lazy=1&tp=webp#imgIndex=0" alt="懂保爷测评配图" loading="lazy" /></span><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><br /></span></span></p><p ><span><span style="color: rgba(0, 0, 0, 0.9)"><span text >Hi，大家好，我是懂保爷资深产品测评师亚菲～</span></span></span></p><p ><span style="color: rgba(0, 0, 0, 0.9)"><span text >6月30日分红险演示利率下调的节点越来越近，之前看好的高收益产品要么停售要么降收益，</span></span></p><p ><span style="color: rgba(0, 0, 0, 0.9)"><span text >但偏偏就在这个时间点，大家养老推出了一款热度非常高的产品：</span></span></p><p ><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(0, 0, 0)">大家慧选2026养老年金（分红型）——</span></span><span><span style="color: rgba(0, 0, 0, 0.9)"><br /></span></span></p><p ><span><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(255, 79, 121)">1.75%保底+3.9%顶格分红演示，趸交5年回本，前中期收益直接碾压同业，还能对接城心养老社区......</span></span></span></p><section ><span><span style="color: rgba(0, 0, 0, 0.9)"><span text >业内有人叫它“挪储硬通货”，也有人称它是“趸交收益之王” ，</span></span></span><span><span style="color: rgba(0, 0, 0, 0.9)"><span text >还有人说它抓住了最后一波时代红利。</span></span></span></section><section ><span><span style="color: rgba(0, 0, 0, 0.9)"><span text >这款产品，到底凭什么能在行业调整期杀出重围？</span></span><span><span style="color: rgba(0, 0, 0, 0.9)"><span text >到底是不是营销噱头？</span></span></span><span style="color: rgba(0, 0, 0, 0.9)"><span text >今天咱们就来一次深度拆解。</span></span></span></section><section style="text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXPfnbSV9VOJOkzAofibhmnkhe556FPLGia6LR52ibkWicO1VArVhM7aCCjZkiaRic5fJuXkjbvy5271x2GibaOdiapDPFrSL7ukFGw4nIA%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXPfnbSV9VOJOkzAofibhmnkhe556FPLGia6LR52ibkWicO1VArVhM7aCCjZkiaRic5fJuXkjbvy5271x2GibaOdiapDPFrSL7ukFGw4nIA/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><p ><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(255, 79, 121)">一、先说结论，这不是传统养老年金</span></span></p><p ><span style="color: rgba(0, 0, 0, 0.9)"><span text >很多人一听养老年金，第一反应就是领钱慢、收益低、几十年后才见效果。</span></span></p><p ><span style="color: rgba(0, 0, 0, 0.9)"><span text >但大家慧选2026，完全不是这个路子。</span></span></p><p ><span style="color: rgba(0, 0, 0, 0.9)"><span text >它更像</span><span text style="color: rgb(255, 79, 121)">增额寿+养老年金的混合体。</span></span></p><p ><span style="color: rgba(0, 0, 0, 0.9)"><span text >因为它有一个很核心的设计：</span><span text >年金和分红，都支持继续交清增额。</span></span></p><p ><span style="color: rgba(0, 0, 0, 0.9)"><span text >简单说就是，本来年金是该领出来的钱，分红也是该发给你的钱。</span></span></p><p ><span style="color: rgba(0, 0, 0, 0.9)"><span text >但你可以选择不拿出来，继续滚进去增值。</span></span></p><p ><span style="color: rgba(0, 0, 0, 0.9)"><span text >于是这张保单，会越来越像一份纯增额账户。</span></span></p><p ><span style="color: rgba(0, 0, 0, 0.9)"><span text >这也是它前中期收益特别高的原因。</span></span></p><p ><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(255, 79, 121)">二、</span></span><span><span text style="color: rgb(255, 79, 121)">最猛的地方，是前中期收益</span></span><span><br /></span></p><p ><span style="color: rgba(0, 0, 0, 0.9)"><span text >目前监管允许的分红险</span><span text style="color: rgb(255, 79, 121)">最高利率为保底1.75%+分红演示3.9%，</span></span></p><p ><span style="color: rgba(0, 0, 0, 0.9)"><span text >大家慧选2026直接贴着监管红线设计，一出道就冲进了市场</span><span text >第一梯队。</span></span></p><p ><span style="color: rgba(0, 0, 0, 0.9)"><span text >举个例子，</span></span></p><p ><span style="color: rgba(0, 0, 0, 0.9)"><span text >假设30岁女性趸交100万、55岁开始领取：</span></span></p><section style="text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXM6tlLAXhTFXnjDbXaDETA50libkwylBWDTvYSAHhvXYBTfTxKCnfctsQvYWfRGUFgpmVYtUs011VGlPMYsmyfsgiakiaBQXJcvcw%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXM6tlLAXhTFXnjDbXaDETA50libkwylBWDTvYSAHhvXYBTfTxKCnfctsQvYWfRGUFgpmVYtUs011VGlPMYsmyfsgiakiaBQXJcvcw/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><p ><span style="color: rgba(0, 0, 0, 0.9)"><span text >第5年：</span><span text >总收益达</span><span text style="color: rgb(255, 79, 121)">111.7万</span><span text >，</span><span text >正式回本</span><span text >，IRR高达</span><span text style="color: rgb(255, 79, 121)">2.24%</span><span text >，折合单利 2.35%，直接甩开银行5年定存、大额存单；</span></span></p><p ><span style="color: rgba(0, 0, 0, 0.9)"><span text >第10年：</span><span text >总收益</span><span text style="color: rgb(255, 79, 121)">131.1万</span><span text >，</span><span text style="color: rgb(255, 79, 121)">IRR2.75%；</span></span></p><p ><span style="color: rgba(0, 0, 0, 0.9)"><span text >第 20 年：</span><span text >总收益</span><span text style="color: rgb(255, 79, 121)">180.7万</span><span text >，IRR 突破</span><span text style="color: rgb(255, 79, 121)">3.0%。</span></span></p><p ><span style="color: rgba(0, 0, 0, 0.9)"><span text >要知道，此前被疯抢的3.0固收增额寿，大多要70年才能达到这个收益水平。</span></span></p><p ><span style="color: rgba(0, 0, 0, 0.9)"><span text >横向对比更能看出优势：</span></span></p><section style="text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXNDOttMnZ4JCOhib5RSExapNz4oJETMdK6kMyzYgCMu05ZHAnDtCWL4kpumCyxnZ4lWMeBTKS6hRF9V5dGp0nKmZWnXledlv8yg%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXNDOttMnZ4JCOhib5RSExapNz4oJETMdK6kMyzYgCMu05ZHAnDtCWL4kpumCyxnZ4lWMeBTKS6hRF9V5dGp0nKmZWnXledlv8yg/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><p ><span style="color: rgba(0, 0, 0, 0.9)"><span text >与同档位1.75%保底产品相比，它的固定收益和演示收益均遥遥领先；</span></span></p><p ><span><span text >与此同时，它前30年的总利益，甚至能压住一些4.0%+演示产品。</span></span></p><p ><span style="color: rgba(0, 0, 0, 0.9)"><span text >这就很罕见了。</span></span></p><p ><span style="color: rgba(0, 0, 0, 0.9)"><span text >因为通常高保底产品，固定收益高，但演示一般；高演示产品，看起来漂亮，但保底弱，</span></span></p><p ><span style="color: rgba(0, 0, 0, 0.9)"><span text >而大家慧选2026，属于</span><span text >两边都不差</span><span text >，我想这也是它最近热度突然起来的原因。</span></span></p><p ><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(255, 79, 121)">三、</span></span><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(255, 79, 121)">领取灵活，</span></span><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(255, 79, 121)">投保门槛不高，80岁也能轻松上车</span></span></p><p ><span style="color: rgba(0, 0, 0, 0.9)"><span text >这款养老金最大的优势，就是投保很宽松。</span></span><span style="color: rgba(0, 0, 0, 0.9)"><br /></span></p><p ><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(255, 79, 121)">最高80岁可投，并且无健康告知。</span></span></p><p ><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(0, 0, 0)">这一点非常关键。</span></span></p><p ><span style="color: rgba(0, 0, 0, 0.9)"><span text >因为很多中老年客户，真正有养老金需求的时候，身体已经开始有问题了，比如高血压、糖尿病、结节、住院史……这个时候传统增额寿很容易卡健康。</span></span></p><p ><span style="color: rgba(0, 0, 0, 0.9)"><span text >但这款产品基本属于“能买就能上”。</span></span></p><p ><span style="color: rgba(0, 0, 0, 0.9)"><span text >还有一个优点就是，领取时间完全可以自主选择。</span></span></p><p ><span style="color: rgba(0, 0, 0, 0.9)"><span text >女性可在 55/58 岁开始领取，男性可在 60/63 岁开始领取，甚至投保后</span><span text >最快次年就能领取</span><span text >，支持年领和月领（月领=年领 ×8.4%）。</span></span></p><p ><span style="color: rgba(0, 0, 0, 0.9)"><span text >传承方面也十分完善，身故保险金按</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >已交保费与现金价值的较高者</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >给付，确保财富不会流失，实现定向传承。</span></span></p><p ><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(255, 79, 121)">四、公司有底气，</span></span><span><span text style="color: rgb(255, 79, 121)">国家队背书，分红实现率 100%</span></span></p><p ><span style="color: rgba(0, 0, 0, 0.9)"><span text >买分红险，最担心的就是分红不兑现。</span></span></p><p ><span style="color: rgba(0, 0, 0, 0.9)"><span text >而大家慧选2026的底气，来自于背后实力雄厚的</span><span text >大家保险集团。</span></span></p><h3 ><span style="color: rgba(0, 0, 0, 0.9)"><span text >1、国资背景，监管亲儿子</span></span></h3><p ><span style="color: rgba(0, 0, 0, 0.9)"><span text >核心股东包括：</span></span></p><ul ><li style="color:#ff4f79"><p ><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(255, 79, 121)">中国保险保障基金；</span></span></p></li><li style="color:#ff4f79"><p ><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(255, 79, 121)">中国石化；</span></span></p></li><li style="color:#ff4f79"><p ><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(255, 79, 121)">上汽集团；</span></span></p></li></ul><p ><span style="color: rgba(0, 0, 0, 0.9)"><span text >其中</span><span text >国保基金持股98.23%。</span></span></p><section nodeleaf="" style="color: rgba(0, 0, 0, 0.9); text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZMtSQYTst7jsdrXPNesd3916SVbq3rpWib35JD6CibEQuITkCugZ822JTJiaqgtvicYDnqql859iaPBRpsKzibhjK4A%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26tp%3Dwebp%26wxfrom%3D5%26wx_lazy%3D1%23imgIndex%3D5" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZMtSQYTst7jsdrXPNesd3916SVbq3rpWib35JD6CibEQuITkCugZ822JTJiaqgtvicYDnqql859iaPBRpsKzibhjK4A/640?wx_fmt=png&from=appmsg&tp=webp&wxfrom=5&wx_lazy=1#imgIndex=5" alt="懂保爷测评配图" loading="lazy" /></section><p ><span style="color: rgba(0, 0, 0, 0.9)"><span text >什么意思？</span></span></p><p ><span style="color: rgba(0, 0, 0, 0.9)"><span text >简单说，</span></span></p><p ><span style="color: rgba(0, 0, 0, 0.9)"><span text >这是非常典型的“国家队背景”。</span></span></p><p ><span style="color: rgba(0, 0, 0, 0.9)"><span text >集团注册资本203.6亿元，总资产超1万亿元，是国内仅有的7家拥有</span><span text >全牌照</span><span text >的保险公司之一，旗下</span><span text >大家资管</span><span text >更是跻身全球资管 500强，中国保险资管行业排名第8。</span></span></p><section style="text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXPzrooGBoggw8f9stNB7qiatj7KBppoDD9SQaVKMbxhzmgJAyQpqz7iaQGRbVxcjog2ibNrpv3lxsMxBy0WNCuqwrtzdHUA0CJLTY%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXPzrooGBoggw8f9stNB7qiatj7KBppoDD9SQaVKMbxhzmgJAyQpqz7iaQGRbVxcjog2ibNrpv3lxsMxBy0WNCuqwrtzdHUA0CJLTY/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><h3 ><span style="color: rgba(0, 0, 0, 0.9)"><span text >2、投资实力顶尖，分红兑现有保障</span></span></h3><p ><span style="color: rgba(0, 0, 0, 0.9)"><span text >大家养老的保费资金统一由大家资管打理，其投资团队硕士及以上学历占比98%，平均从业10年以上，交出的成绩单更是亮眼：</span></span></p><section ><span style="color: rgba(0, 0, 0, 0.9)"><span text >过去10年平均财务投资收益率</span><span text style="color: rgb(255, 79, 121)">5.40%</span><span text style="color: rgb(255, 79, 121)">，</span><span text >平均综合投资收益率 </span><span text style="color: rgb(255, 79, 121)">5.55%；</span></span></section><section ><span style="color: rgba(0, 0, 0, 0.9)"><span text >2025 年集团综合投资收益率超</span><span text style="color: rgb(255, 79, 121)">8%，</span><span text >远超行业3%-4%的平均水平；</span></span></section><section ><span style="color: rgba(0, 0, 0, 0.9)"><span text >2025年分红账户综合收益率达</span><span text style="color: rgb(255, 79, 121)">29.65%</span><span text >，REITs 综合收益率更是高达</span><span text style="color: rgb(255, 79, 121)">30.97%。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmecoa.qpic.cn%2Fmmecoa_png%2FSoLNGutoCtGMOjspIKcZAO2h3ytxT8s7pEKZxQhKhmXpz7BW4iamibE8rR7MBaIDNszJIDuKib7cAjrd3nx2yibIu8DB7Fiaoiapr7RyQLr4K7sM0%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26tp%3Dwxpic%26wxfrom%3D10005%26wx_lazy%3D1%23imgIndex%3D10" data-origin="https://mmecoa.qpic.cn/mmecoa_png/SoLNGutoCtGMOjspIKcZAO2h3ytxT8s7pEKZxQhKhmXpz7BW4iamibE8rR7MBaIDNszJIDuKib7cAjrd3nx2yibIu8DB7Fiaoiapr7RyQLr4K7sM0/640?wx_fmt=png&from=appmsg&tp=wxpic&wxfrom=10005&wx_lazy=1#imgIndex=10" alt="懂保爷测评配图" loading="lazy" /></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><br /></span></p><p ><span style="color: rgba(0, 0, 0, 0.9)"><span text >更重要的是，大家养老2024年首次经营分红险，旗下所有产品的</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(255, 79, 121)">现金红利实现率均为100%</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(255, 79, 121)">，折算客户名义收益率约3.4%！</span></span></p><section style="color: rgba(0, 0, 0, 0.9); text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmecoa.qpic.cn%2Fmmecoa_png%2FSoLNGutoCtEMh4gTAVd3BSNwsCfrPVHyOmgWxE4TRkESn16GOIIgVt06ibEpPaL4prpo0V6EX6VWhWtq1eiaflLYzLkkTd3OHjHR0blp2VdGE%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26tp%3Dwxpic%26wxfrom%3D10005%26wx_lazy%3D1%23imgIndex%3D12" data-origin="https://mmecoa.qpic.cn/mmecoa_png/SoLNGutoCtEMh4gTAVd3BSNwsCfrPVHyOmgWxE4TRkESn16GOIIgVt06ibEpPaL4prpo0V6EX6VWhWtq1eiaflLYzLkkTd3OHjHR0blp2VdGE/640?wx_fmt=png&from=appmsg&tp=wxpic&wxfrom=10005&wx_lazy=1#imgIndex=12" alt="懂保爷测评配图" loading="lazy" /></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: center"><span><span ><span text >大家慧选2026</span></span></span></p><p ><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(255, 79, 121)">五、独家城心养老，配套服务优质</span></span></p><p ><span style="color: rgba(0, 0, 0, 0.9)"><span text >除了产品和公司实力，大家慧选2026最具差异化的优势，就是能对接大家保险独家的</span><span text >城心养老服务体系</span><span text >，这也是目前市场上</span><span text style="color: rgb(255, 79, 121)">唯一获得国家商标认证的城心养老品牌。</span></span></p><section style="color: rgba(0, 0, 0, 0.9)" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmecoa.qpic.cn%2Fmmecoa_png%2F4VzjHDn88o9OiaeaPBEhKviaTKzUZWWZUPFjp7nibbKFsPk4WRyoia7pWQXV9aZl3JFrhI1O1dQJGj6SWkPliaz0KdK25s8MLXtwBYSfo1GamfTU%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26tp%3Dwxpic%26wxfrom%3D10005%26wx_lazy%3D1%23imgIndex%3D4" data-origin="https://mmecoa.qpic.cn/mmecoa_png/4VzjHDn88o9OiaeaPBEhKviaTKzUZWWZUPFjp7nibbKFsPk4WRyoia7pWQXV9aZl3JFrhI1O1dQJGj6SWkPliaz0KdK25s8MLXtwBYSfo1GamfTU/640?wx_fmt=png&from=appmsg&tp=wxpic&wxfrom=10005&wx_lazy=1#imgIndex=4" alt="懂保爷测评配图" loading="lazy" /></section><p style="text-align: center"><span><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(136, 136, 136)">图源：保司官网</span></span></span></p><p ><span><span style="color: rgba(0, 0, 0, 0.9)"><span text >区别于多数建在远郊的养老社区，</span></span></span><span><span style="color: rgba(0, 0, 0, 0.9)"><span text >城心医养社区</span></span></span><span style="color: rgba(0, 0, 0, 0.9)"><span text >全部选址在</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >城市核心区域</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >，严格遵循 “五个一公里” 标准：</span></span></p><ul ><li><section ><span style="color: rgba(0, 0, 0, 0.9)"><span text >一公里内有综合三甲医院，突发疾病可快速救治；</span></span></section></li><li><section ><span style="color: rgba(0, 0, 0, 0.9)"><span text >一公里内有地铁、公交，子女探望方便；</span></span></section></li><li><section ><span style="color: rgba(0, 0, 0, 0.9)"><span text >一公里内有商场、超市、菜市场，生活配套成熟；</span></span></section></li><li><section ><span style="color: rgba(0, 0, 0, 0.9)"><span text >一公里内有公园绿地，休闲环境优越。</span></span></section></li></ul><section style="color: rgba(0, 0, 0, 0.9); text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmecoa.qpic.cn%2Fsz_mmecoa_png%2FSoLNGutoCtF0Zcryz5KPqln8FVDu2LUJ1LndXaR9xLazHQ8bSW6Ze8qcX5w7z15k0X97ZldLQSxk0RKXDODErEJj9jxzqxypyhtDBdu6wSc%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26tp%3Dwxpic%26wxfrom%3D10005%26wx_lazy%3D1%23imgIndex%3D13" data-origin="https://mmecoa.qpic.cn/sz_mmecoa_png/SoLNGutoCtF0Zcryz5KPqln8FVDu2LUJ1LndXaR9xLazHQ8bSW6Ze8qcX5w7z15k0X97ZldLQSxk0RKXDODErEJj9jxzqxypyhtDBdu6wSc/640?wx_fmt=png&from=appmsg&tp=wxpic&wxfrom=10005&wx_lazy=1#imgIndex=13" alt="懂保爷测评配图" loading="lazy" /></section><p ><span style="color: rgba(0, 0, 0, 0.9)"><span text >目前已在全国15座城市布局17家自营城心社区，覆盖北京朝阳、上海静安、深圳福田等核心地段，真正实现 “临近医疗、亲近子女、更近人间烟火”。</span></span></p><p ><span style="color: rgba(0, 0, 0, 0.9)"><span text >除了长居的城心社区，大家保险还打造了覆盖全国名胜景区的旅居疗养网络，包括北戴河月下松海、杭州西湖灵隐问禅、安徽黄山菡萏香来、三亚海棠湾雨打芭蕉等6大旅居社区。</span></span></p><p ><span style="color: rgba(0, 0, 0, 0.9)"><span text >投保客户可享受专属旅居服务，在山水之间享受高品质的养老生活。</span></span></p><p ><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(255, 79, 121)">六、这些人，非常适合大家慧选2026</span></span></p><p ><span ></span><span><span style="color: rgba(0, 0, 0, 0.9)"><span text >在这个</span><span text >充满变数、产品形态随时可能切换</span><span text >的市场节点，大家慧选2026的产品设计确实把很多实际痛点都考虑进去了，极大降低了我们的决策成本。</span></span></span></p><p ><span style="color: rgba(0, 0, 0, 0.9)"><span text >综合来看，如果你属于以下几类人群，建议在6.30调整前重点关注这款产品：</span></span></p><ul ><li style="color:#ff4f79"><section ><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(255, 79, 121)">追求绝对资金安全，偏好央企、国企背景产品的保守型投资者；</span></span></section></li><li style="color:#ff4f79"><section ><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(255, 79, 121)">既要高保底收益，又想分享市场红利的平衡型投资者；</span></span></section></li><li style="color:#ff4f79"><section ><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(255, 79, 121)">有挪储需求，希望一次性投入、快速获得稳定回报的人群；</span></span></section></li><li style="color:#ff4f79"><section ><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(255, 79, 121)">前中期可能有用钱需求，看重资金灵活性的储户；</span></span></section></li><li style="color:#ff4f79"><section ><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(255, 79, 121)">身体有异常，无法通过其他保险健康告知的人群；</span></span></section></li><li style="color:#ff4f79"><section ><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(255, 79, 121)">注重养老品质，希望未来在市中心享受专业医养服务的人群。</span></span></section></li></ul><p ><span style="color: rgba(0, 0, 0, 0.9)"><span text >6 月 30 日的分红险利率调整已是板上钉钉，这意味着此后再也没有3.9% 演示利率的分红险产品。</span></span></p><p ><span style="color: rgba(0, 0, 0, 0.9)"><span text >市场不等人，好产品也不等人。</span></span></p><p ><span style="color: rgba(0, 0, 0, 0.9)"><span text >如果您有储蓄增值或养老规划的需求，建议尽早咨询专业保险规划师，根据自身情况定制方案，抓住这波机会。</span></span></p><section ><span><br /></span></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong ><span ><span ><span text >后话：</span></span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span ><span text >近期产品变动频繁，我们可能无法对每款产品都进行细致分析。</span></span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span>如需找我咨询，可以扫码联系，让我在最专业的领域帮您少走弯路！</span></span></span></p><section style="text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXMFyia6YRlKzLlZ4DQcNX7MpZx1NeaibXpgfYGMVYA1VYwHPuxiakQCQ1Tbjp1GN0eiaYLeIYYxsxWPhHzEHm3kzSZozEOgcPyT0Eo%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXMFyia6YRlKzLlZ4DQcNX7MpZx1NeaibXpgfYGMVYA1VYwHPuxiakQCQ1Tbjp1GN0eiaYLeIYYxsxWPhHzEHm3kzSZozEOgcPyT0Eo/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgba(0, 0, 0, 0.9); text-align: center"><span ><strong ><span ><span ><span text >最后简单跟大家介绍一下自己：</span></span></span></strong></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: center"><span ><br /></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: center"><span ><span ><span text >懂保爷平台成立于2018年；</span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: center"><span ><span ><span text >秉着向上向善的信仰，</span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: center"><span ><span ><span text >站在客户角度，以客户为中心，测评优中选优</span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: center"><span ><span ><span text >为客户提供风险转嫁、</span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: center"><span ><span ><span text >储蓄理财和退休养老方面的优质保险内容与服务。</span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: center"><span ><span ><span text >全网粉丝1000万+，</span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: center"><span ><span ><span text >已累计为10万+家庭解决过保险难题。</span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: center"><span ><span ><span text >以成就安心生活为使命；</span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: center"><span ><span ><span text >致力于成为新时代中国人信赖首选的保险内容与服务平台。</span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: center"><span ><span ><span text style="color: rgb(214, 214, 214)">更多敬请关注：</span></span></span></section><section nodeleaf=""></mp-common-profile></section><p ></mp-style-type></p>
