<p ><strong ><span >利率还在下降，</span></strong><span >这是最近三年，直到2023年8月，三种利率调整工具的走势。</span></p><section ><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FAa1Vn4VNXukth5YqCV7VKax0HHQfpDmUEnZ34dYEKnd8uqJfLCXOkG4rkt1Yk6BLibrJXbicWJTicYMTHiazhLODng%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/Aa1Vn4VNXukth5YqCV7VKax0HHQfpDmUEnZ34dYEKnd8uqJfLCXOkG4rkt1Yk6BLibrJXbicWJTicYMTHiazhLODng/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></span></section><section ><span style="color: rgb(255, 79, 121)">OMO</span><span >、<span style="color: rgb(255, 79, 121)">MLF</span>可以理解成央行给银行的<span style="color: rgb(255, 79, 121)">短期</span>和<span style="color: rgb(255, 79, 121)">中期</span>资金成本。</span></section><section ><span style="color: rgb(255, 79, 121)">LPR</span><span >利率是银行给<span style="color: rgb(255, 79, 121)">优质客户</span>的资金成本。</span></section><section ><span >银行给客户的资金成本降低，给储户的存款利息也基本上还要下调，否则就会有负债压力。</span></section><section ><span >当前如果要好好储蓄，想要<span style="color: rgb(255, 79, 121)">3%</span>左右的<strong>长期锁定利息</strong>。现在储蓄保险分出<span style="color: rgb(255, 79, 121)">两条路</span>。</span></section><section ><span ><span style="color: rgb(255, 79, 121)"></span></span></section><section ><span ><strong>一条是用固收类的增额寿：</strong></span><span >比如<span style="color: rgb(255, 79, 121)">金玉满堂3.0</span>这个产品 ↓</span></section><section ><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FAa1Vn4VNXukth5YqCV7VKax0HHQfpDmUnphurAXL6L7cib3UVPuDnIXLuiaH4StcgjpryEmQeJZWfwibtSsUkdIhA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/Aa1Vn4VNXukth5YqCV7VKax0HHQfpDmUnphurAXL6L7cib3UVPuDnIXLuiaH4StcgjpryEmQeJZWfwibtSsUkdIhA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></span></section><section ><span ><span style="color: rgb(255, 79, 121)">趸交</span><span >情况下，<span style="color: rgb(255, 79, 121)">30万</span>保费，持有保单<span style="color: rgb(255, 79, 121)">20年</span>，现金价值是<span style="color: rgb(255, 79, 121)">52万</span>多，<span style="color: rgb(255, 79, 121)">IRR</span><strong>复利是2.789%</strong>，相当于<strong>3.667%的单利</strong>。</span></span></section><section ><span ><span >这已经是当前市场上固收增额寿的<span style="color: rgb(255, 79, 121)">顶流</span>了。</span></span></section><section ><span ><strong><span >还有一条路是用分红增额寿：</span></strong><span >比如中意人寿<span style="color: rgb(255, 79, 121)">一生中意</span>这个产品 ↓<br /></span></span></section><section ><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FAa1Vn4VNXukth5YqCV7VKax0HHQfpDmUrmUEH5U2ISOa6wU6xFhvnicFWVzibcUXqiaqNM8uAdY7r4iafaxvCzu9Hw%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/Aa1Vn4VNXukth5YqCV7VKax0HHQfpDmUrmUEH5U2ISOa6wU6xFhvnicFWVzibcUXqiaqNM8uAdY7r4iafaxvCzu9Hw/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></span></section><section ><span ><span style="color: rgb(255, 79, 121)">趸交</span><span >情况下，<span style="color: rgb(255, 79, 121)">30万</span>保费，持有保单<span style="color: rgb(255, 79, 121)">20年</span>，分红后现金价值是<span style="color: rgb(255, 79, 121)">59万</span>多，<span style="color: rgb(255, 79, 121)">IRR</span><strong>复利是3.467%</strong>，相当于<strong>4.886%的单利</strong>。</span></span></section><section ><span ><span >但是如果只看<span style="color: rgb(255, 79, 121)">保底利益</span>，分红型增额寿的保底利益又比较低了，持有保单20年，保底现金价值只有<span style="color: rgb(255, 79, 121)">45万</span>多，<span style="color: rgb(255, 79, 121)">IRR</span>是<strong>2.073%</strong>。<br /></span></span></section><section ><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FAa1Vn4VNXukth5YqCV7VKax0HHQfpDmUtrSBV9msicdIbwP2gBByxXvx7FjVwiccyV2TgibG0TcoNQqv9ZTwqAGIQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/Aa1Vn4VNXukth5YqCV7VKax0HHQfpDmUtrSBV9msicdIbwP2gBByxXvx7FjVwiccyV2TgibG0TcoNQqv9ZTwqAGIQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /><br /></span></section><section ><span >所以，很明显产品分红后的保单利益还是很可以的。</span></section><section ><span ><span style="color: rgb(255, 79, 121)">一生中意</span>也是当前市场上分红型增额寿的<span style="color: rgb(255, 79, 121)">顶流产品</span>了。</span></section><section ><span >背景是<span style="color: rgb(255, 79, 121)">中石油</span>和意大利<span style="color: rgb(255, 79, 121)">忠利保险</span>。</span></section><section ><span >那么，这种产品的关键问题就是探讨这个<strong>分红预期能不能达成的问题。</strong></span></section><section ><span >我<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MzIzMzIzNTk4Mg==&mid=2247486789&idx=1&sn=f56fb8c575cbbfee72966079e73acbd8&chksm=e889fe24dffe77323c2df7f896c52309628323f5d1c6db9cf0c8347b01bd38c03365744f7aeb&scene=21#wechat_redirect" textvalue="之前的文章" linktype="text" imgurl="" imgdata="null" tab="innerlink"><strong>之前的文章</strong></a>详细讨论过分红险的演示分红能不能达成的问题，有<span style="color: rgb(255, 79, 121)">4条判断依据</span>。<br /></span></section><section ><span >一个是看<strong>历史上所有的分红数据；</strong></span></section><section ><span >一个是看</span><strong >保险公司的背景实力和投资能力；</strong><span ></span></section><section ><span >一个是</span><strong >分红型保险的底层逻辑；</strong><span ></span></section><section ><span >一个是</span><strong >分红型保险的必然性</strong><span >。</span></section><section ><span ></span><span >我们可以根据这些方面去做相应的判断。</span></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FAa1Vn4VNXukth5YqCV7VKax0HHQfpDmUOg1HQztjJ0fmBdD6JQoU5RQxjqRsCDtM9FwibiaarVPt7O56wpGKp1ww%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/Aa1Vn4VNXukth5YqCV7VKax0HHQfpDmUOg1HQztjJ0fmBdD6JQoU5RQxjqRsCDtM9FwibiaarVPt7O56wpGKp1ww/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></p><section ><span >回到开始的问题，为什么之前的固收增额寿那么火，没有人去关注分红险。但是现在大家又开始偏心分红险，固收增额寿无人问津呢。<strong>我觉得原因也很明显：</strong><br /></span></section><section ><span >就像我自己，如果我的</span><strong><span >预期收益</span></strong><span >是<span style="color: rgb(255, 79, 121)">3.5%</span>，之前的</span><strong><span >固收增额寿</span></strong><span >给我确定的<span style="color: rgb(255, 79, 121)">3.5%</span>，<strong>我当然直接选它就可以了，</strong></span><span >很简单。</span></section><section ><span >但是现在，</span><strong><span >固收增额寿</span></strong><span >的确定利益只能给我<span style="color: rgb(255, 79, 121)">3%</span>，但是</span><strong><span >我的预期</span></strong><span >还是<span style="color: rgb(255, 79, 121)">3.5%</span>，<strong>这个时候，我用</strong></span><span ><strong>分红险</strong></span><span ><strong>就更合理。</strong></span></section><section ><span >分红险</span><span ><span style="color: rgb(255, 79, 121)">保证了2.5%</span>左右，分红之后可以<span style="color: rgb(255, 79, 121)">超出3.5%</span>，这样才有可能达到我的预期。</span></section><section ><span >如果那个保险公司历史</span><span ><strong>分红实现率</strong></span><span >都达到<span style="color: rgb(255, 79, 121)">100%以上</span>了，那么可以认为<strong>有极大可能达到我的预期</strong>。</span></section><section ><span >而如果现在我只用</span><span ><strong>固收增额寿</strong></span><span >，顶天只有<span style="color: rgb(255, 79, 121)">3%</span>，<strong>是达不到我3.5%的预期的。</strong><br /></span></section><section ><span >所以，想来想去，我还是觉得</span><span ><strong><span style="color: rgb(255, 79, 121)">分红增额寿，更有优势。</span></strong></span></section><section ><span >当然，如果你的<strong>预期是3%</strong>就满意了，那毋庸置疑，<strong>直接用固收增额寿就可以了。</strong><br /></span></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FAa1Vn4VNXukth5YqCV7VKax0HHQfpDmUicrcicHKS0c2gnboILaq9xYFhN13NhM6t7U69dMwicgfyMzWlpkjpcYiaw%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/Aa1Vn4VNXukth5YqCV7VKax0HHQfpDmUicrcicHKS0c2gnboILaq9xYFhN13NhM6t7U69dMwicgfyMzWlpkjpcYiaw/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></p><section ><span ></span></section><section ><span >我是保姑，我和我的团队一直在专注研究所有的保险产品，需要的时候可以来找我，保姑应该能给你一些建议。</span></section><section ><span ><br /></span></section><section style="color: rgb(0, 0, 0); text-align: center"><span style="color: rgb(255, 79, 121)"><strong ><span >任何时候，扫码可以找到我们~</span></strong></span></section><section style="color: rgb(34, 34, 34); text-align: center"><span ><strong ><span ><span >【<span >理财+养老+保险</span>】</span> 1对1咨询绿色通道</span></strong></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FAa1Vn4VNXumICRCicytKuF3yRAdqEQlJwIZk67icGtD2WYmTrE5NKkBMuKJtmKZtlFjM4WV0Pqv6shKnSOpv1Tvw%2F640%3Fwx_fmt%3Djpeg%26wx_%26wxfrom%3D5%26wx_lazy%3D1%26wx_co%3D1%26tp%3Dwxpic" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/Aa1Vn4VNXumICRCicytKuF3yRAdqEQlJwIZk67icGtD2WYmTrE5NKkBMuKJtmKZtlFjM4WV0Pqv6shKnSOpv1Tvw/640?wx_fmt=jpeg&wx_&wxfrom=5&wx_lazy=1&wx_co=1&tp=wxpic" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center"><br /></section><section style="color: rgb(34, 34, 34)"><span style="color: rgb(136, 136, 136); text-align: left">看一看保姑的其他文章：</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span >【财富认知】</span></section><h1 style="color: rgb(34, 34, 34); text-align: left"><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MzIzMzIzNTk4Mg==&mid=2247486859&idx=1&sn=495a93b1416605092daeb71f2e34ad13&chksm=e889feeadffe77fced090aed80a3e40c143fa981118d2af85e2f237a1e1cf8b5b7056d8215a2&scene=21#wechat_redirect" textvalue="信泰「如意致享」，本金在，终身花利息！" linktype="text" imgurl="" imgdata="null" tab="innerlink" ><span >信泰「如意致享」，本金在，终身花利息！</span></a></h1><h1 style="color: rgb(34, 34, 34); text-align: left"><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MzIzMzIzNTk4Mg==&mid=2247486848&idx=1&sn=a456c28bfd6fd6441f8c15969a7d4820&chksm=e889fee1dffe77f700f68c5d420b3254c55aac1b540a4405b2c2345484c8abc77bab05dc9739&scene=21#wechat_redirect" textvalue="银行存钱注意，利息降的厉害！" linktype="text" imgurl="" imgdata="null" tab="innerlink" hasload="1" style="color: var(--weui-LINK)"><span >银行存钱注意，利息降的厉害！</span></a></h1><h1 style="color: rgb(34, 34, 34); text-align: left"><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MzIzMzIzNTk4Mg==&mid=2247486841&idx=1&sn=30e0b5c9f8b85a14c73496d043e8c676&chksm=e889fe18dffe770eefbbcce41a8f276cee7914ebcf5c5758c570eb9e6b6ffd9a41c2d2c4b00c&scene=21#wechat_redirect" textvalue="搞不懂，为什么还在负债买房投资？" linktype="text" imgurl="" imgdata="null" tab="innerlink" hasload="1" style="color: var(--weui-LINK)"><span style="color: var(--weui-LINK)">搞不懂，为什么还在负债买房投资？</span></a></h1><section style="color: rgb(34, 34, 34); text-align: left"><br /></section><section style="color: rgb(34, 34, 34); text-align: left"><span >【理性养老】<br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MzIzMzIzNTk4Mg==&mid=2247486637&idx=1&sn=2265a3eeabb4af688ee212710d8a6427&chksm=e889ffccdffe76da8f62c17ce18fc5f6d9c4dfe050e4ac772e16b2081235355ba3bf98063fc2&scene=21#wechat_redirect" textvalue="养老金做好了，我怕苦恼：钱花不完，压力好大！" linktype="text" imgurl="" imgdata="null" tab="innerlink" hasload="1" style="color: var(--weui-LINK)">养老金做好了，我怕苦恼：钱花不完，压力好大！</a><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MzIzMzIzNTk4Mg==&mid=2247486161&idx=1&sn=e21dda545050d4c61f7380ccdbe039b9&chksm=e889f9b0dffe70a675c5f0d7e97fcab27366920b626ec3d66b40144b9d692679bd2aa345bfcd&scene=21#wechat_redirect" textvalue="国家个人养老金，这个羊毛薅不薅？" linktype="text" imgurl="" imgdata="null" tab="innerlink" hasload="1" style="color: var(--weui-LINK)">国家个人养老金，这个羊毛薅不薅？</a><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><br /></section><section style="color: rgb(34, 34, 34); text-align: left"><span >【了解保姑】<br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MzIzMzIzNTk4Mg==&mid=2247484399&idx=1&sn=87de7e1af85e8aee77e6f15104e8f636&chksm=e889f08edffe7998c154e6a4a65f8e462d082be121804f87e2cc486691516aed5c819e0f91d1&scene=21#wechat_redirect" textvalue="放心，没有人比你更关心你的未来" linktype="text" imgurl="" imgdata="null" tab="innerlink" wah-hotarea="click" hasload="1" style="color: var(--weui-LINK)">放心，没有人比你更关心你的未来</a><br /></section><section style="color: rgb(34, 34, 34); text-align: left"><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MzIzMzIzNTk4Mg==&mid=2247484371&idx=1&sn=95320135d7d6f05bc46ea76d17a551f8&chksm=e889f0b2dffe79a4701425e236be306fe66101f8071d812eaef8c67ed4e67c9a1b9366a3bde3&scene=21#wechat_redirect" textvalue="致歉+找保姑投诉入口" linktype="text" imgurl="" imgdata="null" tab="innerlink" wah-hotarea="click" hasload="1" style="color: var(--weui-LINK)"><span style="color: var(--weui-LINK)">致歉+找保姑投诉入口</span></a></section><section style="color: rgb(34, 34, 34); text-align: left"><br /></section><section ><span ><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%3Dwxpic" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/Aa1Vn4VNXulDSG3kLWEFl66JYfFHuibDsZwPP3g5romOwOBrEvLdFjc8VUrEoXpQflzzTumnt8dW6vKFReAyKnA/640?wx_fmt=gif&wxfrom=5&wx_lazy=1&tp=wxpic" alt="懂保爷测评配图" loading="lazy" /><span style="text-align: left; color: rgb(34, 34, 34)"> <span style="color: rgb(136, 136, 136)">点击</span></span><span style="text-align: left; color: rgb(120, 172, 254)">阅读原文</span><span style="text-align: left; color: rgb(136, 136, 136)">，是我精选推荐的产品。点亮</span><span style="text-align: left; color: rgb(120, 172, 254)">“在看”</span><span style="text-align: left; color: rgb(136, 136, 136)">，文章会被更多推荐，谢谢您！</span></span></section><p ></mp-style-type></p>
