<section style="text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTPFibSQe1Ok6iaibZ4hicO6vaZbC24eP2BLvt4IKmsUxJIZcSo2AGLIzHsonkRZibREL9dic6IO1lFbibHfg%2F640%3Fwx_fmt%3Dpng%26wxfrom%3D5%26wx_lazy%3D1%26wx_co%3D1" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTPFibSQe1Ok6iaibZ4hicO6vaZbC24eP2BLvt4IKmsUxJIZcSo2AGLIzHsonkRZibREL9dic6IO1lFbibHfg/640?wx_fmt=png&wxfrom=5&wx_lazy=1&wx_co=1" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: justify"><span >同方全球推出的新传世荣耀2023终身寿险，和我们之前说的增额终身寿险不一样，传世荣耀是定额终身寿险。</span></section><section style="text-align: justify"><span >在增额终身寿没有“大火出圈”的早些年间，终身寿险通常指的是传统的终身寿险，也就是定额终身寿险！</span></section><section ><section powered-by="xiumi.us" ><section ><section powered-by="xiumi.us" ><section ><section powered-by="xiumi.us" style="text-align: left"><section ><section powered-by="xiumi.us" ><section style="text-align: center"><section ><section powered-by="xiumi.us" style="text-align: justify"><p ><br /></p></section></section></section></section></section><section ><section powered-by="xiumi.us" ><section style="text-align: center"><section ><section powered-by="xiumi.us" style="text-align: justify"><p ><br /></p></section></section></section></section></section><section ><section powered-by="xiumi.us" ><section style="text-align: center"><section ><section powered-by="xiumi.us" style="text-align: justify"><p ><br /></p></section></section></section></section></section></section></section><section ><section powered-by="xiumi.us" style="color: rgb(34, 101, 193)"><p ><span ><strong >01</strong><strong ><br /></strong></span></p></section></section><section ><section powered-by="xiumi.us" ><section style="text-align: left"><section ><section powered-by="xiumi.us" ><section style="text-align: center"><section ><section powered-by="xiumi.us" style="text-align: justify"><p ><br /></p></section></section></section></section></section><section ><section powered-by="xiumi.us" ><section style="text-align: center"><section ><section powered-by="xiumi.us" style="text-align: justify"><p ><br /></p></section></section></section></section></section><section ><section powered-by="xiumi.us" ><section style="text-align: center"><section ><section powered-by="xiumi.us" style="text-align: justify"><p ><br /></p></section></section></section></section></section></section></section></section></section></section></section></section><section style="text-align: justify"><strong style="color: rgb(0, 128, 255)">什么是定额终身寿险，和增额终身寿险有什么区别：</strong><br /></section><section style="text-align: justify"><span >二者看起来同根同源，甚至条款名都叫终身寿险，不区分增额和定额。</span></section><section style="text-align: justify"><span >但是二者功能不同：</span></section><section style="text-align: justify"><span ></span></section><section style="text-align: justify"><span >增额终身寿的主要功能是理财，收益源自它不断复利增长的现金价值（也叫退保金，是我们能取用的钱）；</span></section><section style="text-align: justify"><span >定额终身寿的主要功能是家庭财富传承，重点是人在身故后，会赔付一笔身故保险金给家人。</span></section><section style="text-align: justify"><span >因此，定额终身寿常常是作为一种财富传承工具来销售，</span></section><section ><section powered-by="xiumi.us" ><section ><section powered-by="xiumi.us" ><section ><section powered-by="xiumi.us" style="text-align: left"><section ><section powered-by="xiumi.us" ><section style="text-align: center"><section ><section powered-by="xiumi.us" style="text-align: justify"><p ><br /></p></section></section></section></section></section><section ><section powered-by="xiumi.us" ><section style="text-align: center"><section ><section powered-by="xiumi.us" style="text-align: justify"><p ><br /></p></section></section></section></section></section><section ><section powered-by="xiumi.us" ><section style="text-align: center"><section ><section powered-by="xiumi.us" style="text-align: justify"><p ><br /></p></section></section></section></section></section></section></section><section ><section powered-by="xiumi.us" style="color: rgb(34, 101, 193)"><p ><span ><strong >02</strong><strong ><br /></strong></span></p></section></section><section ><section powered-by="xiumi.us" ><section style="text-align: left"><section ><section powered-by="xiumi.us" ><section style="text-align: center"><section ><section powered-by="xiumi.us" style="text-align: justify"><p ><br /></p></section></section></section></section></section><section ><section powered-by="xiumi.us" ><section style="text-align: center"><section ><section powered-by="xiumi.us" style="text-align: justify"><p ><br /></p></section></section></section></section></section><section ><section powered-by="xiumi.us" ><section style="text-align: center"><section ><section powered-by="xiumi.us" style="text-align: justify"><p ><br /></p></section></section></section></section></section></section></section></section></section></section></section></section><section style="text-align: justify"><span >先来看看产品的基本责任：<br /></span></section><section style="text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZA7kb3aCskwQaVsNLFKxXNyvTgcfTEWYTPqCO56iaLe70dothPpwjw5Uick6eVicY0aCdArKOlxaNU2A%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZA7kb3aCskwQaVsNLFKxXNyvTgcfTEWYTPqCO56iaLe70dothPpwjw5Uick6eVicY0aCdArKOlxaNU2A/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section ><span >传世荣耀支持</span><span style="color: rgb(0, 128, 255)">0-70周岁</span><span >投保，缴费期支持趸，3，5，10，15，20，30年交费。</span><br /></section><section style="text-align: justify"><span >起投保额不得低于100万，</span><span >保障责任没啥死角，减保写进合同，减保后的基本保额不得少于100万。</span></section><section style="text-align: justify"><span >支持保单贷款。</span></section><section style="text-align: justify"><span >传世荣耀可以对接保险金信托：<br /></span></section><section style="text-align: justify"><span style="color: rgb(0, 128, 255)">信托的最基础门槛就要保额/保费不低于三百万，门槛之高直接把工薪阶层拦在门外，更适合高净值人群做资产传承来用。</span><span ></span></section><section style="text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZA7kb3aCskwQaVsNLFKxXNyVgKkT0Y2jTq5SjC2k5BHjiaWKmY4Bz9Gp0ia1UKlnQnjT40Z7ChPW0pQ%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZA7kb3aCskwQaVsNLFKxXNyVgKkT0Y2jTq5SjC2k5BHjiaWKmY4Bz9Gp0ia1UKlnQnjT40Z7ChPW0pQ/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section ><section powered-by="xiumi.us" ><section ><section powered-by="xiumi.us" ><section ><section powered-by="xiumi.us" style="text-align: left"><section ><section powered-by="xiumi.us" ><section style="text-align: center"><section ><section powered-by="xiumi.us" style="text-align: justify"><p ><br /></p></section></section></section></section></section><section ><section powered-by="xiumi.us" ><section style="text-align: center"><section ><section powered-by="xiumi.us" style="text-align: justify"><p ><br /></p></section></section></section></section></section><section ><section powered-by="xiumi.us" ><section style="text-align: center"><section ><section powered-by="xiumi.us" style="text-align: justify"><p ><br /></p></section></section></section></section></section></section></section><section ><section powered-by="xiumi.us" style="color: rgb(34, 101, 193)"><p ><span ><strong >03</strong><strong ><br /></strong></span></p></section></section><section ><section powered-by="xiumi.us" ><section style="text-align: left"><section ><section powered-by="xiumi.us" ><section style="text-align: center"><section ><section powered-by="xiumi.us" style="text-align: justify"><p ><br /></p></section></section></section></section></section><section ><section powered-by="xiumi.us" ><section style="text-align: center"><section ><section powered-by="xiumi.us" style="text-align: justify"><p ><br /></p></section></section></section></section></section><section ><section powered-by="xiumi.us" ><section style="text-align: center"><section ><section powered-by="xiumi.us" style="text-align: justify"><p ><br /></p></section></section></section></section></section></section></section></section></section></section></section></section><section style="text-align: justify"><span >我们把传世荣耀和目前市面上第一梯队的增额寿—增多多5号进行对比。<br /></span></section><section style="text-align: justify"><span >以40岁男性，趸交（一次交清)99.8万为例，从理财收益（增额寿的功能），身故保障（定额寿的功能），两方面来分析：</span></section><section style="text-align: justify"><span style="color: rgb(0, 128, 255)"><em><strong><span >1，理财收益</span></strong></em></span><span ><br /></span></section><section style="text-align: justify"><span >理财收益通过现金价值体现，也就是当我们需要用钱时，<span style="color: rgb(0, 128, 255)">账户有多少现金价值可以使用。</span><br /></span></section><section style="text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZDIQ4ZN8P90Exygg1EUicf0nuNl6LMcyPygwDxQeAatAouia6AQI2r2bKkJdyM1d1dUyhpqtmmNCogw%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZDIQ4ZN8P90Exygg1EUicf0nuNl6LMcyPygwDxQeAatAouia6AQI2r2bKkJdyM1d1dUyhpqtmmNCogw/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: justify"><span style="color: rgb(51, 51, 51)">可以看到投入本金99.8万后，在整个保单周期，增多多5号账户里的钱都超过了传世荣耀。</span></section><section style="text-align: justify"><span style="color: rgb(51, 51, 51)">且增多多5号仅7年就能回本，而传世荣耀要到</span><span style="color: rgb(51, 51, 51)">第21年才能回本。</span><br /></section><section style="text-align: justify"><span style="color: rgb(51, 51, 51)">假设</span><strong style="color: rgb(51, 51, 51)">持有20年时急需用钱</strong><span style="color: rgb(51, 51, 51)">，</span><br /></section><section style="text-align: justify"><span style="color: rgb(51, 51, 51)">增多多5号账户里有近</span><span style="color: rgb(51, 51, 51)">175万，净赚75万，此时IRR达到2.849%，相当于存银行年利率3.77%；</span><br /></section><section style="text-align: justify"><span style="color: rgb(51, 51, 51)">而传世荣耀账户里仅有99万，尚未回本，血亏。</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><strong >看实际收益率IRR来看，</strong><br /></section><section style="color: rgb(51, 51, 51); text-align: justify"><strong >增多多5号最高趋近3%，传世荣耀则一直徘徊在1.7%；</strong></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >如果你买终身寿险是为了投资理财，选增额终身寿—增多多5号显然更有优势！</span></section><section style="text-align: justify"><em><span style="color: rgb(0, 128, 255)"><strong><span >2，身故保障</span></strong></span></em><span ></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >身故保障通过身故保险金体现，就是人在身故后，受益人能拿多少钱。</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(136, 136, 136)">注意，这个钱不像上一个现金价值可以随时取用，必须要身故才能拿到，是留给下一代的钱。</span><em ></em><br /></section><section style="text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZDIQ4ZN8P90Exygg1EUicf0nFbshAWMkepGFxoKb9RtCWkRnw9sbEsHFngUGOPIQ8PwS4Wxb4urhDw%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZDIQ4ZN8P90Exygg1EUicf0nFbshAWMkepGFxoKb9RtCWkRnw9sbEsHFngUGOPIQ8PwS4Wxb4urhDw/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><span >很明显，</span>在<span >投入本金99.8万之后，传世荣耀身故保险金一直高达</span><strong >320万</strong><span >，终身有着3.2倍的高杠杆。</span></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><strong >而增多多5号前期身故赔偿极低</strong><span >，假设第10年身故，仅赔付140万，比传世荣耀少赔了180万！</span><br /></section><section style="color: rgb(51, 51, 51); text-align: justify"><strong >40岁买，增多多5号的身故保险金直到81岁才超过320万</strong><span >，往后越来越高。</span><br /></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >对比身故IRR，由于传世荣耀保额固定，IRR呈不断下降趋势。</span><br /></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >也就是说，越早身故IRR越高。</span><br /></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >如果第5年身故（45岁），</span><strong >IRR高达26.2%</strong><span >，相当于存银行年利率44%；</span><br /></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >第50年身故（90岁），一样的钱，</span><strong >IRR就降到了2.36%</strong><span >，单利降到了4.4%。</span><br /></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >而增多多5号，后期身故保险金的IRR始终维持趋近</span><strong >3%</strong><span >。</span><br /></section><section style="color: rgb(51, 51, 51); text-align: justify"><strong >因此，抱着死后留一笔钱给孩子，做财富传承的话，肯定是传世荣耀更好，前几十年身故保险金都高于增多多5号~</strong></section><section style="color: rgb(51, 51, 51); text-align: justify"><strong >不过，倘若家族有长寿基因，或觉得自己活到80、90岁没问题，可能增额终身寿更合适，越长寿最后留的钱越多，并且这笔钱自己也能花。</strong><br /></section><section style="text-align: justify"><span style="color: rgb(0, 128, 255)"><strong><span >总的来说：</span></strong></span><span ></span></section><section style="text-align: justify"><span >术业有专攻。</span></section><section style="text-align: justify"><span style="color: rgb(0, 128, 255)">做理财，增多多5号明显比传世荣耀更合适；</span><span ><br /></span></section><section style="text-align: justify"><span style="color: rgb(0, 128, 255)">用作财富传承，传世荣耀大多数时候都比增多多5号要优秀，终身都有杠杆，且越早越高。</span><span ></span></section><section style="text-align: justify"><span >因此同方全球-新传世荣耀2023更适合家里有一定的资产，并且想要给后代留一笔钱的人；<br /></span></section><section style="text-align: justify"><span >海保人寿—增多多5号则更适合普通家庭的长期投资理财。</span></section><section style="text-align: justify"><span >二者没有高低之分，只有用途不同，适用人群不一。</span></section><section style="text-align: justify"><span ></span></section><section ><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></section><section ><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" /><br /></section><section ><section powered-by="xiumi.us" style="text-align: left"><section ><section powered-by="xiumi.us" style="text-align: justify"><section ><section powered-by="xiumi.us" ><section ><svg viewbox="0 0 1 1" ></svg></section></section></section></section></section></section></section><section ></mp-common-profile></section><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FAa1Vn4VNXulDSG3kLWEFl66JYfFHuibDsZwPP3g5romOwOBrEvLdFjc8VUrEoXpQflzzTumnt8dW6vKFReAyKnA%2F640%3Fwx_fmt%3Dgif%26wxfrom%3D5%26wx_lazy%3D1" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/Aa1Vn4VNXulDSG3kLWEFl66JYfFHuibDsZwPP3g5romOwOBrEvLdFjc8VUrEoXpQflzzTumnt8dW6vKFReAyKnA/640?wx_fmt=gif&wxfrom=5&wx_lazy=1" alt="懂保爷测评配图" loading="lazy" /><span > <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 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 style="color: rgb(0, 0, 0)">吧</span>，谢谢！</span></p></section></section></section><p ></mp-style-type></p>
