分红型增额终身寿 | 最新天梯榜，谁是榜首？

<section label="edit by 135editor" ><section ><section ><section ><section ><section style="text-align: left"><section ><br /></section></section></section></section></section><section ><section label="edit by 135editor" ><section ><section ><section ><section ><section style="text-align: left"><section ><span ></span><span ></span></section></section></section></section></section></section></section></section></section><section ><p style="text-align: left"><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZB4VKQFhDFRDyvm5NRvQkCGkFyPFZWbfrTgqqFyvQ3mj0j9pkQnhTEzsoMzaeSTWngjtMXNHkxiaSg%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26wx_co%3D1" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZB4VKQFhDFRDyvm5NRvQkCGkFyPFZWbfrTgqqFyvQ3mj0j9pkQnhTEzsoMzaeSTWngjtMXNHkxiaSg/640?wx_fmt=png&from=appmsg&wxfrom=5&wx_lazy=1&wx_co=1" alt="懂保爷测评配图" loading="lazy" /></span></p><section style="text-align: left"><span >老样子，这个月底咱们总结一下市场上最新的分红型增额终身寿，用最直观的数据对比进行排行，给大家一个参考！<br /></span></section><section style="text-align: left"><strong><span >目前市场上比较出色的分红型增额寿有以下6款：</span></strong><span ><br /></span></section><ul ><li><p style="text-align: left"><span >陆家嘴国泰人寿-鸿利鑫享（分红型）<br /></span></p></li><li><p style="text-align: left"><span >恒安标准人寿-传世臻耀<span style="text-align: left">（分红型）</span></span></p></li><li><p style="text-align: left"><span style="text-align: left">中邮人寿-悦享盈佳<span style="text-align: left">（分红型）</span></span></p></li><li><p style="text-align: left"><span style="text-align: left">复星保德信人寿-星福家<span style="text-align: left">（分红型）</span></span></p></li><li><p style="text-align: left"><span style="text-align: left">北京人寿-京福宏运<span style="text-align: left">（分红型）</span></span></p></li><li><section style="text-align: left"><span style="text-align: left">招商信诺人寿-利多多3号<span style="text-align: left">（分红型）</span></span></section></li></ul><section ><section powered-by="xmyeditor.com"><section style="text-align: center"><section powered-by="xmyeditor.com"><section powered-by="xmyeditor.com"><section powered-by="xmyeditor.com"><br /></section><section powered-by="xmyeditor.com"><section powered-by="xmyeditor.com"><section style="color: rgb(0, 0, 0)" powered-by="xmyeditor.com"><p>&nbsp; &nbsp;挑选要素</p></section></section></section></section></section></section></section></section><section style="text-align: left"><strong><span >挑选分红型增额寿三步曲：</span></strong><span ><br /></span></section><section ><span ><strong><span >一看保证利益＋分红利益</span></strong></span></section><section ><span ><strong ><span >保底部分的回报率越快接近2.5%，代表保底部分收益越高。</span></strong></span></section><section ><span >红利利益=保底利益+100%实现的红利，</span></section><section style="text-align: left"><span style="color: rgb(0, 0, 0)"><strong ><span style="color: rgb(0, 0, 0)">二看历史分红实现率。</span></strong></span></section><p style="text-align: left"><span >看历史分红实现率数据最直观，</span><span >主要有几个要点：</span></p><p style="text-align: left"><span style="color: rgb(136, 136, 136)"><strong ><span >第一是分红险的数量；</span></strong></span></p><p style="text-align: left"><span style="color: rgb(136, 136, 136)"><strong ><span >第二是有没有低于100%的产品；</span></strong></span></p><p style="text-align: left"><span style="color: rgb(136, 136, 136)"><strong ><span >第三是披露了几年的数据。</span></strong></span></p><p style="text-align: left"><span style="color: rgb(0, 0, 0)"><strong ><span style="color: rgb(0, 0, 0)">三看保司实力。</span></strong></span></p><p style="text-align: left"><span ><span >买分红险，得看保险公司的</span><span style="color: var(--weui-LINK)">红利实现率</span><span >和投资能力，二者兼优的保险公司的分红产品会更优质。</span></span></p><p style="text-align: left"><span >挑选分红险的底层逻辑说完了，下面言归正传，来综合对比几款产品。</span></p><section ><section powered-by="xmyeditor.com"><section style="text-align: center"><section powered-by="xmyeditor.com"><section powered-by="xmyeditor.com"><section powered-by="xmyeditor.com"><br /></section><section powered-by="xmyeditor.com"><section powered-by="xmyeditor.com"><section style="color: rgb(0, 0, 0)" powered-by="xmyeditor.com"><p>&nbsp; &nbsp;保单收益</p></section></section></section></section></section></section></section></section><section ><span style="color: rgb(0, 0, 0)"><strong><span style="color: rgb(0, 0, 0)">一、保底利益</span></strong></span></section><p style="text-align: left"><span >我们以“10岁男孩、总投入30万”分趸、3/5/10年交来看。</span></p><section ><section ><section powered-by="xmyeditor.com"><section ><section ><section ><section><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZATybZOuE6wod9LiczlobAglylXicF1TogyT6KPjDib0icDn00K8MmqRGyGDJbYAQw1fkqlEglsjwJLxQ%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZATybZOuE6wod9LiczlobAglylXicF1TogyT6KPjDib0icDn00K8MmqRGyGDJbYAQw1fkqlEglsjwJLxQ/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section></section><section ><section><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZATybZOuE6wod9LiczlobAglAnw8ek0gNNIzE15xhws3Ov4kic4yic2qXG0uPEYvHwRYWGCkuM1tadaQ%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZATybZOuE6wod9LiczlobAglAnw8ek0gNNIzE15xhws3Ov4kic4yic2qXG0uPEYvHwRYWGCkuM1tadaQ/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section></section><section ><section><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZATybZOuE6wod9LiczlobAgliaGGynP4mCNauial4AicRSjv6oLcleORdthUicZfNeRwkn5wqpESEm74Nw%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZATybZOuE6wod9LiczlobAgliaGGynP4mCNauial4AicRSjv6oLcleORdthUicZfNeRwkn5wqpESEm74Nw/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section></section><section ><section><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZATybZOuE6wod9LiczlobAglA8IXKJe3tleY1jBM8Smp65XEvib3SgnsDBciaa0CYxbb7fLnfZhwauXQ%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZATybZOuE6wod9LiczlobAglA8IXKJe3tleY1jBM8Smp65XEvib3SgnsDBciaa0CYxbb7fLnfZhwauXQ/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section></section></section></section></section></section><section powered-by="xmyeditor.com"><section powered-by="xmyeditor.com"><section powered-by="xmyeditor.com"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZATybZOuE6wod9LiczlobAglveFFzvBnYcHdrAiazDc90qnEGmbIkdDn8Ph6qwrmbU1kPicoicibc5H4zQ%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZATybZOuE6wod9LiczlobAglveFFzvBnYcHdrAiazDc90qnEGmbIkdDn8Ph6qwrmbU1kPicoicibc5H4zQ/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgb(136, 136, 136); text-align: center" powered-by="xmyeditor.com"><p >左右滑动</p></section><section powered-by="xmyeditor.com"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZATybZOuE6wod9LiczlobAglc6DGoibrGdGCsAUg1ZVhdNQUQzic1MUZ9mECt14iblVorQGf9WLpo6gmg%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZATybZOuE6wod9LiczlobAglc6DGoibrGdGCsAUg1ZVhdNQUQzic1MUZ9mECt14iblVorQGf9WLpo6gmg/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section></section></section></section><section style="text-align: left"><span style="color: rgb(2, 30, 170)">趸交下，有两款没有该缴费期；</span><span ></span></section><p style="text-align: left"><span >现金价值排序：星福家&gt;利多多3号&gt;鸿利鑫享；</span></p><p style="text-align: left"><span style="color: rgb(2, 30, 170)">3/5/10年交年情况下；</span></p><p style="text-align: left"><span style="color: rgb(2, 30, 170)"></span><span style="color: rgb(0, 0, 0)">中邮-悦享盈佳和北京-京福宏运加入战斗！</span><span ></span></p><p style="text-align: left"><span >保底收益排名前3甲：京福宏运&gt;星福家&gt;悦享盈佳</span></p><section ><section powered-by="xmyeditor.com"><section powered-by="xmyeditor.com"><section powered-by="xmyeditor.com"><section style="color: rgb(89, 89, 89)" powered-by="xmyeditor.com"><p style="color: rgba(0, 0, 0, 0.9); text-align: left"><span >以3年交为例，持有至50年；</span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: left"><span >京福宏运的IRR在第15年突破2%、34年达到2.3%；50年达2.37%。</span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: left"><span >星福家的IRR则是在19年突破2%、45年达2.3%;50年达到2.32%。</span></p></section></section></section></section></section><p style="text-align: left"><strong><span >就保证利益和IRR而言；</span></strong><span ></span></p><p style="text-align: left"><span >北京人寿出品的京福宏运双双霸榜top1<br /></span></p><section style="text-align: left"><span >星福家3/5/10年交中位列第2，收益和top1有点差距但不多。</span></section><section style="text-align: left"><span >其次是悦享盈佳收益表现也挺不错，牢牢跟在星福家后面；</span></section><p style="text-align: left"><span style="color: rgb(2, 30, 170)">当然了，这只是保证利益，等加上分红红利后收益会更上一层楼。</span></p><section ><section><section ><span ><strong><span >二、红利利益</span></strong></span></section><section style="text-align: left"><span style="color: rgb(0, 0, 0)">我们依旧以“10岁男孩、总保费30万”，分别以趸、3/5/10年交为例.<br /></span></section><section ><section ><section powered-by="xmyeditor.com"><section ><section ><section ><section><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZATybZOuE6wod9LiczlobAglueN0yqLiavvFJlcMJgzLmzN7ho1ib7ibiciaahF0EicjacEHMm7Ag0jPDxFA%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZATybZOuE6wod9LiczlobAglueN0yqLiavvFJlcMJgzLmzN7ho1ib7ibiciaahF0EicjacEHMm7Ag0jPDxFA/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section></section><section ><section><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZATybZOuE6wod9LiczlobAglXsdXWVV9zZdLt5L90Tu2jtEk3IajG1jDxCgoQfjdTiamzWxKkr0ZTRQ%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZATybZOuE6wod9LiczlobAglXsdXWVV9zZdLt5L90Tu2jtEk3IajG1jDxCgoQfjdTiamzWxKkr0ZTRQ/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section></section><section ><section><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZATybZOuE6wod9LiczlobAgluJxHJFltq55RvS1VfTCaCgFAcRavWnrdywZicAtrQ3NgGoOxNk6y7NQ%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZATybZOuE6wod9LiczlobAgluJxHJFltq55RvS1VfTCaCgFAcRavWnrdywZicAtrQ3NgGoOxNk6y7NQ/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section></section><section ><section><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZATybZOuE6wod9LiczlobAglsaILTbZX3nv2TQQqy9P7zkTGH81Q57tC8la3wzGkUWPzfAxsWraWXQ%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZATybZOuE6wod9LiczlobAglsaILTbZX3nv2TQQqy9P7zkTGH81Q57tC8la3wzGkUWPzfAxsWraWXQ/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section></section></section></section></section></section><section powered-by="xmyeditor.com"><section powered-by="xmyeditor.com"><section powered-by="xmyeditor.com"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZATybZOuE6wod9LiczlobAglveFFzvBnYcHdrAiazDc90qnEGmbIkdDn8Ph6qwrmbU1kPicoicibc5H4zQ%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZATybZOuE6wod9LiczlobAglveFFzvBnYcHdrAiazDc90qnEGmbIkdDn8Ph6qwrmbU1kPicoicibc5H4zQ/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgb(136, 136, 136); text-align: center" powered-by="xmyeditor.com"><p >左右滑动</p></section><section powered-by="xmyeditor.com"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZATybZOuE6wod9LiczlobAglc6DGoibrGdGCsAUg1ZVhdNQUQzic1MUZ9mECt14iblVorQGf9WLpo6gmg%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZATybZOuE6wod9LiczlobAglc6DGoibrGdGCsAUg1ZVhdNQUQzic1MUZ9mECt14iblVorQGf9WLpo6gmg/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section></section></section></section><section ><span >趸交和3/5/10年交不同，咱们分开来看！</span></section><section ><strong><span >趸交情况下，前三甲：星福家&gt;利多多3号&gt;鸿利鑫享。</span></strong><span ></span></section><section ><span >趸交中，星福家的收益和IRR回报率都“遥遥领先”。<br /></span></section><section ><span >保单第10年，复利IRR就达到了3.03%！<br /></span></section><section ><span >保单第22年，复利IRR达3.5%，一起绝尘！<br /></span></section><section ><span >这个收益＋回报率在当前市场上实属不易……<br /></span></section><section ><span >同样表现还不错的是利多多3号，保单14年破3%，31年破3.5%。<br /></span></section><section ><strong><span >再看3/5/10年交，这3个缴费期结论都一样；</span></strong><span ><br /></span></section><section ><span >前三甲分别为：京福宏运、星福家、悦享盈佳</span></section><p style="text-align: left"><span >这三款产品非常优秀，我们以五年交为例，</span></p><p style="text-align: left"><span >通过IRR超过3.0%、3.5%两个时间节点看看它们的回报数据：</span></p><p style="text-align: left"><span ><strong ><span >京福宏运</span></strong><span >：持有11年，IRR超过3.0%，保单21年超过3.5%；</span><strong ></strong><span ><br /></span></span></p><p style="text-align: left"><span ><strong ><span >星福家</span></strong><span >：持有12年，IRR超过3.0%，持有24年超过3.5%；</span></span></p><p style="text-align: left"><span ><strong ><span >悦享盈佳</span></strong><span >：持有15年，IRR超过3.0%，持有30年超过3.5%。</span></span></p><p style="text-align: left"><span >如果只看产品收益的话，首选肯定是：<br /></span></p><p style="text-align: left"><span >趸交，星福家；三/五/十年交，京福宏运。</span></p><p style="text-align: left"><span >但是，一款好的分红型增额寿不仅要看产品收益，更要看背后的保司的经营状况。</span></p><p style="text-align: left"><span >更何况<strong >星福家与京福宏运的回报差距相当小</strong>，这种情况下，</span></p><p style="text-align: left"><span >其他对比维度就显得更加重要了。</span><span style="text-align: justify"></span><span style="text-align: justify"></span></p><section ><section><section ><section><section ><section powered-by="xmyeditor.com"><section style="text-align: center"><section powered-by="xmyeditor.com"><section powered-by="xmyeditor.com"><section powered-by="xmyeditor.com"><br /></section><section powered-by="xmyeditor.com"><section powered-by="xmyeditor.com"><section style="color: rgb(0, 0, 0)" powered-by="xmyeditor.com"><p>&nbsp; &nbsp;保司实力<span style="color: rgba(0, 0, 0, 0.9); text-align: justify"></span></p></section></section></section></section></section></section></section><section><p style="text-align: left"><strong><span >一、股东背景</span></strong><span ></span></p><p style="text-align: left"><span >这次咱们对比这三款胜出产品的保险公司，分别是复星保德信-星福家、北京人寿-京福宏运、中邮人寿-悦享盈佳。</span><br /></p><p style="text-align: left"><strong><span >1）复星保德信股东构成</span></strong><span ><br /></span></p><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2F1QPP1s0AFkc1uibUNrxgXPq6nCnan3YLtCbedTlIJdItDibGDWH9LXXZYoicOCGjPbUCLAf4ElmrxKU7odZhMnQyg%2F640%3Fwx_fmt%3Dother%26from%3Dappmsg%26tp%3Dwebp%26wxfrom%3D5%26wx_lazy%3D1%26wx_co%3D1" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/1QPP1s0AFkc1uibUNrxgXPq6nCnan3YLtCbedTlIJdItDibGDWH9LXXZYoicOCGjPbUCLAf4ElmrxKU7odZhMnQyg/640?wx_fmt=other&from=appmsg&tp=webp&wxfrom=5&wx_lazy=1&wx_co=1" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: left"><strong><span style="color: rgb(0, 0, 0)">2）北京人寿</span></strong><span style="color: rgb(0, 0, 0)"></span></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZATybZOuE6wod9LiczlobAgl0FIIl9XSBUXibOVicMqIAaZmheVpsA7PlAsibqDPlzcuKQekbZEUe4eWA%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZATybZOuE6wod9LiczlobAgl0FIIl9XSBUXibOVicMqIAaZmheVpsA7PlAsibqDPlzcuKQekbZEUe4eWA/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></p><section style="text-align: left"><span style="color: rgb(0, 0, 0)"><strong><span style="color: rgb(0, 0, 0)">3）中邮人寿股东构成</span></strong></span><br /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2F1QPP1s0AFkfVEOSdWeJNmyiaUDPIf3y7CcicuynQYXoEHibxKicFSV4uY13l1pG0DLvG7VibPHOTaOUbVVXWxyfMXvQ%2F640%3Fwx_fmt%3Dother%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26wx_co%3D1%26tp%3Dwebp" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/1QPP1s0AFkfVEOSdWeJNmyiaUDPIf3y7CcicuynQYXoEHibxKicFSV4uY13l1pG0DLvG7VibPHOTaOUbVVXWxyfMXvQ/640?wx_fmt=other&from=appmsg&wxfrom=5&wx_lazy=1&wx_co=1&tp=webp" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: left"><span >这三家保司中，复星保德信和中邮人寿是中外合资企业，北京人寿则是国有企业、集体企业、社会企业共同组建的全国性人寿保险公司。</span><br /></section><section style="text-align: left"><span >光看股东结构，每一家的背景都大有来头，难分上下。<br /></span></section><section style="text-align: left"><span >咱们还是看看各家历年分红实现率的表现。</span></section><section style="text-align: left"><strong><span >二、分红实现率</span></strong><span ><br /></span></section><section style="text-align: left"><strong><span >1）复星保德信</span></strong></section><section style="text-align: left"><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2F8TYlYib9muD7akCOwBKXMcHln5fOskvoyLkbALO1vVKwlMumYkC156hEWghicsmbYjA2xsibTrhaD2ib3mQslCT0ww%2F640%3Fwx_fmt%3Dother%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26wx_co%3D1%26tp%3Dwebp" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/8TYlYib9muD7akCOwBKXMcHln5fOskvoyLkbALO1vVKwlMumYkC156hEWghicsmbYjA2xsibTrhaD2ib3mQslCT0ww/640?wx_fmt=other&from=appmsg&wxfrom=5&wx_lazy=1&wx_co=1&tp=webp" alt="懂保爷测评配图" loading="lazy" /></span></section><p ><span ><strong >复星保德信非常自信的披露了自家十年的分红实现率。</strong></span></p><p ><span >不仅披露的时间跨度够长，并且产品数也多，重要的是还<span >全数达成100%＋。</span></span></p><p ><span >不得不说，复保的数据可信度和可参考度是几家保司中最强的。</span></p><p ><span >年年年分红实现率都如数达标，值得信赖。</span></p><p ><span >2）北京人寿<br /></span></p><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2F1QPP1s0AFkdb1r87xVsU5rqnJicqD0lNXgynicujo1p3eYXeoWSXjJfDicdaa8OKdD2NIj4tJIwpokUxgE1zWIw4g%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26wx_co%3D1%26tp%3Dwebp" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/1QPP1s0AFkdb1r87xVsU5rqnJicqD0lNXgynicujo1p3eYXeoWSXjJfDicdaa8OKdD2NIj4tJIwpokUxgE1zWIw4g/640?wx_fmt=png&from=appmsg&wxfrom=5&wx_lazy=1&wx_co=1&tp=webp" alt="懂保爷测评配图" loading="lazy" /></section><p style="text-align: left"><span ><strong >北京人寿共披露了5款分红险，从2021年-203年的历史分红率。</strong></span></p><p style="text-align: left"><span >除京福满堂B款2023年的分红实现率低于100%之外，</span></p><p style="text-align: left"><span >其余都高于100%，有的最高达到了212%。</span></p><p style="text-align: left"><span >北京人寿就目前披露的3年数据，整体也算不错。</span></p><p style="text-align: left"><span >3）中邮人寿</span></p><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_jpg%2F1QPP1s0AFkc9kToC6gVcXLdSO6DnWeOwAgvOxPIbOnIk0QlJDBrhTJSq2U0R9KPn6SwqDXhCvfxY63jWwHffgQ%2F640%3Fwx_fmt%3Dother%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26wx_co%3D1%26tp%3Dwebp" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_jpg/1QPP1s0AFkc9kToC6gVcXLdSO6DnWeOwAgvOxPIbOnIk0QlJDBrhTJSq2U0R9KPn6SwqDXhCvfxY63jWwHffgQ/640?wx_fmt=other&from=appmsg&wxfrom=5&wx_lazy=1&wx_co=1&tp=webp" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: left"><span >一共16款现金分红产品，全数达成100%+，</span></section><section style="text-align: left"><span >最低的一款实现了125%，最高的一款实现了143%，分红战绩非常好。</span></section><section style="text-align: left"><span ><strong><span >总的来说；</span></strong></span></section><section style="text-align: left"><span >星福家、京福宏运、悦享盈佳这三款在目前分红型增额寿市场上是非常不错的存在了。</span><br /></section><section style="text-align: left"><span >但我个人还是更倾向于复星保德信的星福家。</span></section><section style="text-align: left"><span >在收益靠前的基础上，还有过往十年历史分红实现率年年达标做依托。</span></section><section style="text-align: left"><span >最后，<strong>星福家预计在4月或之前下架。</strong></span></section><section style="text-align: left"><span >目前正考虑星福家的朋友可能要抓紧时间做决定了。</span></section><p ><span ><strong ><em ><span style="color: rgb(33, 89, 103)">有问题，可扫描下图二维码咨询我团队的专业规划老师。</span></em></strong></span></p><p ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FO95eeDepqTOpB6SvNluyC7ibynwMqmmaeYaEESkpsJpZYybXqtHXeYNahSKOQ9dUFW3Eq7ibxWIjmRarPG9x0XKg%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/O95eeDepqTOpB6SvNluyC7ibynwMqmmaeYaEESkpsJpZYybXqtHXeYNahSKOQ9dUFW3Eq7ibxWIjmRarPG9x0XKg/640?wx_fmt=gif" alt="懂保爷测评配图" loading="lazy" /></p><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%26wxfrom%3D5%26wx_lazy%3D1%26tp%3Dwebp" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/Aa1Vn4VNXulDSG3kLWEFl66JYfFHuibDsZwPP3g5romOwOBrEvLdFjc8VUrEoXpQflzzTumnt8dW6vKFReAyKnA/640?wx_fmt=gif&wxfrom=5&wx_lazy=1&tp=webp" alt="懂保爷测评配图" loading="lazy" /><span >&nbsp; &nbsp;&nbsp;<span style="color: rgb(136, 136, 136)">点击阅读原文，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></span></section><section label="Powered by 135editor.com" ><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></section></section></section></section></section></section></section></section></section></section><p ></mp-style-type></p>