<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" hasload="1" wah-hotarea="click" ><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FO95eeDepqTPh4jnLicTqSCicqvQokibHNozQSrQep5kQ2DIZJU44pg4cpicNUInWN0YjYv9q6g7jMzQTljNiaU7iaozg%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/O95eeDepqTPh4jnLicTqSCicqvQokibHNozQSrQep5kQ2DIZJU44pg4cpicNUInWN0YjYv9q6g7jMzQTljNiaU7iaozg/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></span></a></section><p 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></p><section style="color: rgb(51, 51, 51); text-align: justify"><br /></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >作为专业的养老险公司，<strong>大家养老</strong>称得上业界“<span >常青树</span>”了。</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >旗下像<strong>养多多2号、福满满</strong>等产品，都是<span >顶级养老金的代表</span>。<br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >只是今年大家养老开发的都是主流形态养老金，</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >缺少像</span><span >明爱金彩-</span><span >计划一</span><span >那</span><span >样的</span><span >高领取型产品</span><span >，的确有些遗憾</span><span >。</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >大家养老估计也意识到了，在</span><span >近期上线了「</span><strong><span >养多多3号</span></strong><span >」，</span><span >最终补上了这块空白</span><span >。</span></section><section ><br /></section><section ><br /></section><section ><span ><strong ><span style="color: rgb(33, 89, 103)">一、</span></strong></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 >注意，养多多3号有两个版本，分别是：</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><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 style="color: rgb(33, 89, 103)"><strong><span >保证领取10年版</span></strong></span><span >：条款名鑫享至尊（<strong>进取版</strong>），可保证领取<strong>10年</strong>的养老金；<br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(33, 89, 103)"><strong><span ><strong ><span >保证领取20年版</span></strong></span></strong></span><span >：<span >条款名鑫享至尊（<strong>加倍版</strong>），可保证领取<strong>20年</strong>的养老金。</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 >其中保证领取20年版，就是原来的养多多2号，这次就改个名，养多多2号→养多多3号（20年版），责任没变。</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >只有<strong>养多多3号（10年版）</strong>，也就是<span >鑫享至尊（</span>进取版<span >），</span>才是这次的高领取型新品。<br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >详情如下：</span><br /></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><br /></section><p style="color: rgb(51, 51, 51); text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTNbMKXXJGlW5l2RobSmsD5wrAmDFLxW1jYCdjE4ibPRQBrhOZjFhQibB0Df2CSiakaqvzAMPnpvaMriaA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTNbMKXXJGlW5l2RobSmsD5wrAmDFLxW1jYCdjE4ibPRQBrhOZjFhQibB0Df2CSiakaqvzAMPnpvaMriaA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section style="color: rgb(51, 51, 51); text-align: justify"><br /></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >相比原版养多多2号，养多多3号（10年版）有如下改变：</span></section><section ><span ></span></section><section ><br /></section><section ><span style="color: rgb(33, 89, 103)">1、承保年龄范围小了</span></section><section ><span ><br /></span></section><section ><span >养多多2号，或叫养多多3号（20年版）是0-64岁能买，</span></section><section ><span ><br /></span></section><section ><span ><span >10年版仅0-50岁能买；</span></span></section><section ><span ><br /></span></section><section ><span style="color: rgb(33, 89, 103)">2、<span style="color: rgb(33, 89, 103)">身故保险金少了</span></span></section><section ><br /></section><section ><span >这个很明显，养多多3号，一个保证领取10年，一个保证领取20年，写名字上了。</span></section><section ><br /></section><section ><span >假设都是每年领取5万养老金，要是领取了4年养老金就身故，</span></section><section ><span ><br /></span></section><section ><strong><span >10年版</span></strong><span >会赔付剩下6年养老金30万，<strong><span >2</span><span >0年版</span></strong><span >会</span><span >赔付</span><span >剩</span><span >下16</span><span >年养老金</span><span >80万，20年版身故杠杆更高</span>；</span><br /></section><section ><br /></section><section ><span >极端情况下，10年版身故甚至只能领回本金，完全没有收益。</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(33, 89, 103)"><span style="color: rgb(33, 89, 103)">3、领取金额</span><span style="color: rgb(33, 89, 103)">高了，现金价值持续时间短了</span></span></section><section ><br /></section><section ><span >这个很正常，养多多3号（10年版）就是我们常说的高领取型养老金，</span></section><section ><br /></section><section ><strong><span >通过降低身故杠杆</span></strong><span >（少了10年保证领取</span><span >）</span><span >，</span><span ></span><strong><span ></span><span >及现金价值持续时间</span></strong><span >（20年版现价持续至85岁，10年版只有70-80岁）</span><span >，</span><strong><span ></span></strong></section><section ><strong><span ><br /></span></strong></section><section ><strong><span >提升了养老金领取金额。</span></strong><span ></span></section><section ><span ><br /></span></section><section ><span >详情我们后面对比分析收益时再说。</span></section><section ><span ><br /></span></section><section ><span >除了上面几点，</span></section><section ><span ><br /></span></section><section ><span >养多多3号的10年版和20年版并无太大区别，例如都能对接<strong>养老社区</strong>（保费≥200万）；</span></section><section ><span ><br /></span></section><section ><span >满足要求，<strong>万能账户</strong>也能附加。</span></section><section ><span ><br /></span></section><section ><span >不过大家养老的万家福账户比较一般，当前结算4.25%，保底仅2.5%，加上门槛较高，不算优秀。</span></section><section ><span ></span></section><section ><span ><br /></span></section><section ><span >其他就没啥了，加保、减保也都支持，重点还是看收益对比</span><span >。</span></section><section ><br /></section><section ><br /></section><section ><strong ><span style="color: rgb(33, 89, 103)">二、</span></strong></section><p ><br /></p><p ><span >以40岁女性，年交10万，交5年为例，</span></p><p ><span ><br /></span></p><p ><span >对比当前<strong>第一梯队的养老年金险</strong><em>（每款都是市面顶级水平的养老年金）</em>：</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%2FO95eeDepqTNbMKXXJGlW5l2RobSmsD5wTuBjPUYScowCk4lj5No9LSIDxro55SFQDs1o6Acg4oKFboVJKSiaKTQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTNbMKXXJGlW5l2RobSmsD5wTuBjPUYScowCk4lj5No9LSIDxro55SFQDs1o6Acg4oKFboVJKSiaKTQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTNbMKXXJGlW5l2RobSmsD5wVoVkmTO70oO0QGkgib7G4l5A59Z9Fw5nic5Wtx3QLagiczFnbYrJXz0mg%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTNbMKXXJGlW5l2RobSmsD5wVoVkmTO70oO0QGkgib7G4l5A59Z9Fw5nic5Wtx3QLagiczFnbYrJXz0mg/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center"><span style="color: rgb(136, 136, 136)">60岁领取时的各产品对比</span></section><section style="text-align: left"><span style="text-align: justify"><br /></span></section><section ><span >老规矩，再结合养老金的3个挑选标准（<span >👉</span><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247495067&idx=1&sn=7c6737e85473bd9a6b043f9298942f63&chksm=cfb60e1bf8c1870d8cd4216b7358f3cfb8e49e03efd82615f3930c0fe192eb2ac96da7fdf999&scene=21#wechat_redirect" textvalue="养老年金险，看这3点就够了" linktype="text" imgurl="" imgdata="null" tab="innerlink">养老年金险，看这3点就够了</a></span>）：</span></section><section ><span ><br /></span></section><section style="color: rgb(34, 34, 34); text-align: justify"><span style="color: rgb(255, 0, 0)"><strong ><span style="color: rgb(255, 0, 0)">1、养老金</span></strong><strong ><span style="color: rgb(255, 0, 0)">（到领取时间后，每年领取的金额）</span></strong><strong ><span style="color: rgb(255, 0, 0)">； </span></strong></span></section><section style="color: rgb(34, 34, 34); text-align: justify"><br /></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >养老金决定了以后能领多少钱，</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >过往都是高领取型的<strong>明爱金彩-计划一</strong>金额最高。</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >不过在<strong>养多多3号（10年版）</strong>上线后，明爱金彩等同类产品已经失去了购买价值。</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >就数据上图看，年交10万，交5年，养多多3号（10年版）每年领取56000元，最高的明爱金彩则是56300元。</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >每年就差300元，比明爱金彩多了10年保证领取，现金价值持续时间更长，</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >无疑是养多多3号（10年版）更有购买价值。</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >其他产品，像<strong>养多多3号（20年版）、福满满</strong>等，因为兼顾了保证领取期及现价，年金领取会略低一些。</span></section><section style="color: rgb(34, 34, 34); text-align: justify"><br /></section><section style="color: rgb(34, 34, 34); text-align: justify"><span style="color: rgb(255, 0, 0)"><strong ><span style="color: rgb(255, 0, 0)">2、身故金（<strong ><span style="color: rgb(255, 0, 0)">一般指领取年金后的身故金，也叫保证领取金额</span></strong>）<strong ><span style="color: rgb(255, 0, 0)">；</span></strong></span></strong></span></section><section style="color: rgb(34, 34, 34); text-align: justify"><br /></section><section style="color: rgb(34, 34, 34); text-align: justify"><span >通常来说，保证领取期限<strong><span style="color: rgb(34, 34, 34)">20年</span></strong><span style="color: rgb(34, 34, 34)">左右最好，过短没啥杠杆，过长会损失年金收益。</span></span></section><section style="color: rgb(34, 34, 34); text-align: justify"><span ><br /></span></section><section style="color: rgb(34, 34, 34); text-align: justify"><span >像明爱金彩和燃力虎的计划一，养多多3号（10年版）领取金额都不错，</span></section><section style="color: rgb(34, 34, 34); text-align: justify"><span ><br /></span></section><section style="color: rgb(34, 34, 34); text-align: justify"><span >可开始领取后，身故要么只能赔已交保费，要么就10年养老金。</span></section><section style="color: rgb(34, 34, 34); text-align: justify"><span ><br /></span></section><section style="color: rgb(34, 34, 34); text-align: justify"><span >有可能导致<span style="color: rgb(34, 34, 34); text-align: justify">资金投入几十年，最终只能拿回本金，完全没有杠杆和收益。</span></span></section><section style="color: rgb(34, 34, 34); text-align: justify"><span style="color: rgb(34, 34, 34); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: justify"><span style="color: rgb(34, 34, 34); text-align: justify">其他的，像燃力虎-计划二、养多多3号（20年版）、福满满等都是保证领取20年，不分高下。</span></section><section style="color: rgb(34, 34, 34); text-align: justify"><br /></section><section style="color: rgb(34, 34, 34); text-align: justify"><span style="color: rgb(255, 0, 0)"><strong ><span style="color: rgb(255, 0, 0)">3、退保金（即<strong ><span style="color: rgb(255, 0, 0)">退保能拿回来的钱</span></strong> = 保单的现金价值）。</span></strong></span></section><section style="color: rgb(34, 34, 34); text-align: justify"><br /></section><section style="color: rgb(34, 34, 34); text-align: justify"><span >万一急用钱不想持有了，这个退保金（现金价值）决定能拿回来多少钱。</span></section><section style="color: rgb(34, 34, 34); text-align: justify"><br /></section><section ><span >综合来看，这点燃力虎目前最好，终</span><span >身都有不低的现金价值。</span></section><section ><span ><br /></span></section><section ><span >福满满和养多多2号，现金价值可持续到85岁，也还不错。<br /></span></section><section ><span ><br /></span></section><section ><span >其他产品都不算特别好，像养多多3号（10年版）只到70-80岁，</span></section><section ><span ><br /></span></section><section ><span >明爱金彩计划一，开始领取后现金价值直接归零了，只能一直每年领钱，有急事就不能退保应急了。</span></section><section ><br /></section><section style="text-align: left"><strong><span >综上，</span></strong></section><section style="text-align: left"><strong><span ><br /></span></strong></section><section style="text-align: left"><span >养多多3号（10年版）我认为是目前最好的“<strong><span >高领取型</span></strong>”养老年金险，比明爱金彩、星海赢家等产品优势更大。</span><strong><span ></span></strong></section><section style="text-align: left"><br /></section><section style="text-align: left"><span >适合追求高额养老金，并愿意为此牺牲身故杠杆、现金价值的朋友。</span></section><section style="text-align: left"><span ><br /></span></section><section style="text-align: left"><span >比较典型的就是丁克家庭、不婚主义者等。</span></section><section style="text-align: left"><br /></section><section style="text-align: left"><span >对大多数朋友来说，可能仍是主流形态的“<strong><span style="text-align: left">均衡型</span></strong>”养老金更合适</span><span >，例如养多多3号（20年版）、福满满、光明慧选等。</span></section><section style="text-align: left"><span ></span></section><section style="text-align: left"><br /></section><section style="color: rgb(51, 51, 51); text-align: justify"><br /></section><section style="color: rgb(51, 51, 51); text-align: justify"><strong ><span style="color: rgb(33, 89, 103)">三、</span></strong></section><section style="text-align: left"><span style="text-align: left"><br /></span></section><section style="text-align: left"><span style="text-align: left">此外，针对有可能提前退保应急的情况，</span></section><section style="text-align: left"><span style="text-align: left"><br /></span></section><section style="text-align: left"><span style="text-align: left">我给大家简单测算了几</span><span style="text-align: left">款养老年金险不同年龄的生存总收益（含现价）：</span></section><section style="text-align: left"><br /></section><section style="text-align: left"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTNbMKXXJGlW5l2RobSmsD5wiby0aVlWLwNkiaR79iaTgPpyibKPOE6CBJfOb6hfibibHn1kkib4Fj24Ja91Q%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTNbMKXXJGlW5l2RobSmsD5wiby0aVlWLwNkiaR79iaTgPpyibKPOE6CBJfOb6hfibibHn1kkib4Fj24Ja91Q/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: left"><br /></section><section style="text-align: left"><span >不难看出，养多多3号（10年版）数据表现非常亮眼，top级别。</span></section><section style="text-align: left"><br /></section><section style="text-align: left"><span >只是退保毕竟比较少见，尤其是养老年金险，本身就是为了养老买的，领着好好的，<strong>通常没有退保的必要</strong>。</span></section><section style="text-align: left"><br /></section><section style="text-align: left"><span >若只是为了收益率好看（后期IRR能超过增额寿），</span></section><section style="text-align: left"><span ><br /></span></section><section style="text-align: left"><span >大费周章等几十年，又领几十年再退保，那还不如买增额终身寿。</span></section><section style="text-align: left"><span ><br /></span></section><section style="text-align: left"><span >不要忽视几十年的等待时间，增额寿10年、20年就有不错的收益，同期年金险可没啥收益。</span></section><section style="text-align: left"><span ><br /></span></section><section style="text-align: left"><span style="color: rgb(33, 89, 103)">最后附上当前养老年金险的挑选思路图：</span></section><section style="text-align: left"><br /></section><section style="text-align: left"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTNbMKXXJGlW5l2RobSmsD5wDMiahaoJA1R0zpDOKD5DupbyDzWqIFZA5pCp5EjwUVcfhTTbFc7L9qQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTNbMKXXJGlW5l2RobSmsD5wDMiahaoJA1R0zpDOKD5DupbyDzWqIFZA5pCp5EjwUVcfhTTbFc7L9qQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: left"><br /></section><section ><strong><span >均衡型养老金</span></strong><span >这次没变化，</span></section><section ><span ><br /></span></section><section ><span >养多多3号（20年版）就是原来的养多多2号，跟福满满、光明慧选等都是当前非常不错的均衡型产品。</span></section><section ><span ><br /></span></section><section ><span >主要是<strong>高领取型养老金</strong>，</span></section><section ><span ><br /></span></section><section ><span >有这块需求的朋友，可以优先考虑养多多3号（10年版）了，产品力非常强。</span></section><section ><br /></section><section ><span >其次再去考虑明爱金彩等产品。<br /></span></section><section style="color: rgb(34, 34, 34); text-align: justify"><br /></section><p style="color: rgb(34, 34, 34); text-align: justify"><em><span style="color: rgb(33, 89, 103)"><strong ><span style="color: rgb(33, 89, 103)">产品购买链接，可以扫描下图二维码找我团队专业规划老师获取。</span></strong></span></em></p><p style="color: rgb(34, 34, 34); text-align: justify"><span ></span></p><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FO95eeDepqTO1KmSN6nDROWblhVFxxYXzKuynrkK6HnMe0ichpzQyyQr6Wnic6m0udMzOsG4pr5G5uH1r2Rg0QmWg%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/O95eeDepqTO1KmSN6nDROWblhVFxxYXzKuynrkK6HnMe0ichpzQyyQr6Wnic6m0udMzOsG4pr5G5uH1r2Rg0QmWg/640?wx_fmt=gif" alt="懂保爷测评配图" loading="lazy" /></section><section ><br /></section><section ><span style="color: rgb(0, 0, 0)">相关阅读：</span></section><section ><span style="color: rgb(0, 0, 0)"><br /></span></section><section ><span style="color: rgb(0, 0, 0)"><strong ><span >怎么选理财险：</span></strong><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MzIzMzIzNTk4Mg==&mid=2247484196&idx=1&sn=e5b4f7bd19fc5008eac7f634ddcccba5&chksm=e889f045dffe7953bb7c6791cbbfa37919a692f43281323d11d0ab583f484db042b57ff8100d&scene=21#wechat_redirect" textvalue="增额终身寿险和年金险选哪个？" linktype="text" imgurl="" imgdata="null" tab="innerlink" wah-hotarea="click" hasload="1" >增额终身寿险和年金险选哪个？</a></span></section><section ><br /></section><section ><strong >养老年金险相关：</strong></section><section ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247495067&idx=1&sn=7c6737e85473bd9a6b043f9298942f63&chksm=cfb60e1bf8c1870d8cd4216b7358f3cfb8e49e03efd82615f3930c0fe192eb2ac96da7fdf999&scene=21#wechat_redirect" textvalue="养老年金险，看这3点就够了" linktype="text" imgurl="" imgdata="null" tab="innerlink" ><span >养老年金险，看这3点就够了</span></a></section><section ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247491349&idx=1&sn=4b3121f1d2898a00367c17d63566bc32&chksm=cfb5fc95f8c275835f72aab9b8dd4bb1b9e5a38711d8a011019a1eb3d08057607c4dbf870720&scene=21#wechat_redirect" textvalue="一个无法忽视的坑，关乎所有年金险！" linktype="text" imgurl="" imgdata="null" tab="innerlink" ><span >一个无法忽视的坑，关乎所有年金险！</span></a></section><section ><br /></section><section ><br /></section><section style="text-align: center"><span ><span >— </span><strong >END </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" 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 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></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><p ></mp-style-type></p>
