<p 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%2FO95eeDepqTN6mKV5KH3fm9Jdp7oYskfh9klC1dM5ZP30u4vCsJw6iaHvOsYx9iawe4vaCZo3KfCZh7wCCZZ5Myicw%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/O95eeDepqTN6mKV5KH3fm9Jdp7oYskfh9klC1dM5ZP30u4vCsJw6iaHvOsYx9iawe4vaCZo3KfCZh7wCCZZ5Myicw/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></span></a></p><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 ><br /></section><section ><span >作为理财险的重要分支，年金险向来是保险界的“热门险种”之一。</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(136, 136, 136)">其中可保<strong>终身</strong>的年金险（体现为终身可领取年金）一般又被称作<strong>养老金</strong>或养老年金险。</span></section><section ><span ><br /></span></section><section ><span >不过少有人知的是，年金险藏着一个无法忽视的坑，那就是：<strong>现金价值</strong>。<br /></span></section><section ><span ><br /></span></section><section ><span >今天保爷带大家简单分析下，这个坑是怎么一回事。</span></section><section ><br /></section><section ><span ><section ><section style="text-align: left"><section ><section style="color: rgb(50, 135, 156)"><section style="text-align: center"><span style="color: rgb(33, 89, 103)"><strong >一、年金险的现金价值坑在哪里？</strong></span></section></section></section></section></section></span></section><p ><br /></p><section ><span >先说说现金价值是啥，</span></section><section ><br /></section><p ><span >「现金价值」是指<strong>保单具有的价值</strong>，通常体现为退保时，根据精算原理计算的，由保险公司退还的金额。</span></p><p ><br /></p><section ><span style="color: rgb(136, 136, 136)">如果是支持<strong>减保</strong>的理财险，现金价值还可以当作“银行卡余额”取现出来用，如增额寿险。</span><br /></section><section ><br /></section><section ><span >那这样看，<strong>现金价值只是保单的组成部分，这能有啥“坑”？</strong></span></section><section ><span ><br /></span></section><section ><span >不瞒大家，我之前也这么认为。直到有位朋友</span><span style="color: rgb(136, 136, 136)">（32岁）</span><span >跟我说，</span></section><section ><span ><br /></span></section><section ><span >他花50万分期买了份养老年金险，60岁开始每年领7万，75岁还能一次性领取60万。</span></section><section ><span ><br /></span></section><section ><span >我当时就纳闷了，他买的这养老金没有满期保险金啊，只能60岁后每年领7万，这一次性60万咋回事。<br /></span></section><section ><span ><br /></span></section><section ><span >一问结果是说他<strong>准备75岁时退保</strong>，把近60万的现金价值一次性取现出来，收益非常高。<br /></span></section><section ><span ><br /></span></section><section ><span ><span >其实</span>一直到这里，都没啥问题。</span></section><section ><span ><br /></span></section><section ><span >可他忽视了一点，<strong>要是自己万一身故了咋办？现金价值还能拿吗？</strong></span></section><section ><br /></section><section ><span ><section ><section style="text-align: left"><section ><section style="color: rgb(50, 135, 156)"><section style="text-align: center"><span style="color: rgb(33, 89, 103)"><strong >二、买了年金险，身故赔什么？</strong></span></section></section></section></section></section></span></section><section ><br /></section><section ><span >和增额寿险不同，绝大多数年金险<strong>在领取年金后</strong>，<strong>身故保险金和现金价值是没有关系的</strong>。</span></section><section ><span ><br /></span></section><section ><span >例如前面我那位朋友买的产品，身故条款就属于领取年金后，最多只赔付已交保费：</span></section><section ><span ><br /></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTN6mKV5KH3fm9Jdp7oYskfhCexGXBbicwrt9NwlvvvsWmu3SaHYPhsJvroJQkdZILqF7teASvsMPpQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTN6mKV5KH3fm9Jdp7oYskfhCexGXBbicwrt9NwlvvvsWmu3SaHYPhsJvroJQkdZILqF7teASvsMPpQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><br /></section><section ><span >假定他66岁时</span><span style="color: rgb(136, 136, 136)">（当前32岁）</span><span >，万一出意外身故，</span></section><section ><span ><br /></span></section><section ><span >鉴于他已经领取67=42万年金，那<strong>身故保险金</strong>只有50万已交保费 - 42万已领取年金=<strong>8万</strong>。<br /></span></section><section ><span ><br /></span></section><section ><span >对他来说，当初花了<strong>50万</strong>买的养老金，<strong>34年后</strong>，身故仅仅只拿回了42+8=<strong>50万</strong>。</span></section><section ><span ><br /></span></section><section ><span >这不亏惨了？就算存银行都还有利息。</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(255, 41, 65)">买理财险就是为了收益啊，怎么能接受这么多年后，自己还有可能亏本呢？</span></section><section ><br /></section><section ><span >因此，这类有可能亏本的年金险最好别碰。</span></section><section ><span ><br /></span></section><section ><span >更别听人忽悠说，</span><strong><span >可以在身故前退保。</span></strong></section><section ><span ><br /></span></section><section ><span >不说可能“当场去世”的意外身故，即便是疾病身故，</span></section><section ><span ><br /></span></section><section ><span >你一要避免中风、心梗或其他急性病身故</span><span style="color: rgb(136, 136, 136)">（和意外身故同理，防止当场去世）</span><span >，二要几十年后病危时想起来给自己退保，这现实吗？</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(136, 136, 136)">Ps：隐瞒去世、申请退保行不通，取回现金价值需要验证身份。<br /></span></section><section ><span ><br /></span></section><section ><span style="color: rgb(33, 89, 103)"><strong><span >那有没有铁定不亏的养老年金险？</span></strong></span><span ><br /></span></section><section ><span ><br /></span></section><section ><span >有，就是<strong>可以保证领取</strong>的养老年金险。<br /></span></section><section ><span ><br /></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTN6mKV5KH3fm9Jdp7oYskfhCRuhOJlPAOPLicDzicFNzb2xicibFA4HqBtkic37QibqK1UFxr1g9FZ7ibtqw%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTN6mKV5KH3fm9Jdp7oYskfhCRuhOJlPAOPLicDzicFNzb2xicibFA4HqBtkic37QibqK1UFxr1g9FZ7ibtqw/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)">某可保证领取的年金险身故条款</span><br /></section><section ><span ><br /></span></section><section ><span >这类年金险通常有个保证领取期</span><span style="color: rgb(136, 136, 136)">（如领取后20年/至80岁等）</span><span >，还以之前例子来说：<br /></span></section><section ><span ><br /></span></section><section ><span >假设朋友买的是可保证领取20年的年金险，他60岁后每年领7万，那么就能保证他拿到7万20年=<strong>140万</strong>。<br /></span></section><section ><span ><br /></span></section><section ><span >那他66岁不幸身故，身故就能赔给家人：140万 - 42万已领取年金=<strong>98万！</strong><br /></span></section><section ><span ><br /></span></section><section ><span >而不是前面所说的寥寥8万。<br /></span></section><section ><span ><br /></span></section><section ><span >至于保证领取期结束怎么办，</span><span >别担心，保证领取最少20年。</span></section><section ><span ><br /></span></section><section ><span >只要领完绝对不亏本，比只能拿回保费好多了。</span></section><section ><span style="color: rgb(33, 89, 103)"><br /></span></section><section ><span style="color: rgb(33, 89, 103)">因此，就年金险投保来说，</span></section><section ><span ><br /></span></section><section ><strong><span >高领取年金、有保证领取</span></strong><span >这两点才是最高优先级，</span></section><section ><span ><strong><br /></strong></span></section><section ><span ><strong>现金价值</strong>只作为“锦上添花”的点缀，有更好，没有也不用纠结。<br /></span></section><section ><span ><br /></span></section><section ><strong><span >千万别用现金价值去决定一款年金险好不好，要知道我们是有可能拿不到现金价值的。</span></strong></section><section ><strong><span ><br /></span></strong></section><section ><span style="color: rgb(136, 136, 136)">要是有人跟你说，年金险的现金价值很重要，可以拿回现金价值，就要留个心眼了，想想这收益它确定吗？</span></section><section ><br /></section><section ><span >最后以一句我们经常说的话结束：</span></section><section ><span ><span style="color: rgb(0, 0, 0)"><br /></span></span></section><section style="text-align: left"><span ><span style="color: rgb(0, 0, 0)">永远不要在自己对保险责任一知半解的情况下买保险！</span></span></section><section ><span ><br /></span></section><p ><span ><strong >大家要有拿不准的保险问题，</strong></span><strong style="color: rgb(0, 0, 0)"><span >可以加我助手微信：dongbaoye888</span></strong></p><p ><br /></p><section ><strong style="color: rgb(0, 0, 0)"><span ><strong ><span >或在点击</span></strong><span style="color: rgb(33, 89, 103)"><strong ><span >下方公众号“免费咨询”菜单</span></strong></span><span ><strong ><span >预约</span></strong></span><strong ><span >1对1专属老师咨询。</span></strong></span></strong></section><section></mpprofile></section><section ><span style="color: rgb(0, 0, 0)">相关阅读：</span><br /></section><section ><br /></section><section ><span ><strong ><span >养老险相关：<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247491282&idx=1&sn=914ea319e17ce77d599060b8e37095ba&chksm=cfb5fd52f8c27444baaedac1d4dd6490f818056c518b0159b6dbefa440e0eabcb28d715be388&scene=21#wechat_redirect" tab="innerlink"></a></span></strong><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247491282&idx=1&sn=914ea319e17ce77d599060b8e37095ba&chksm=cfb5fd52f8c27444baaedac1d4dd6490f818056c518b0159b6dbefa440e0eabcb28d715be388&scene=21#wechat_redirect" tab="innerlink">很认真地聊一下养老保险</a></span></span></section><section ><span ><strong >理财险科普：<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247491024&idx=2&sn=f8840886f83cd0ef27ee0362de0a0b70&chksm=cfb5fe50f8c2774637c8fc7aa2dd8ee076b91f82b58d46e46c6e7a68b817542fa5e573eb32d1&scene=21#wechat_redirect" tab="innerlink"></a></strong><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247491024&idx=2&sn=f8840886f83cd0ef27ee0362de0a0b70&chksm=cfb5fe50f8c2774637c8fc7aa2dd8ee076b91f82b58d46e46c6e7a68b817542fa5e573eb32d1&scene=21#wechat_redirect" tab="innerlink">谈谈投资理财险：了解这些，谁都忽悠不了你！</a></span></section><section ><br /></section><section style="text-align: center"><span ><span >— </span><strong >END </strong><span >—</span></span></section><section style="text-align: center"><span style="color: rgb(0, 0, 0)"><strong >愿你家的保单永不出险！</strong></span></section><section style="text-align: center"><br /></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FO95eeDepqTN6mKV5KH3fm9Jdp7oYskfhXBXZNzFSTUx1fHI8KdsZJxmzW8DStSFD5xciatXiaM5NJM3qn2mmW4zA%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/O95eeDepqTN6mKV5KH3fm9Jdp7oYskfhXBXZNzFSTUx1fHI8KdsZJxmzW8DStSFD5xciatXiaM5NJM3qn2mmW4zA/640?wx_fmt=gif" alt="懂保爷测评配图" loading="lazy" /></p><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_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，查看</span><span style="color: rgb(33, 89, 103)">懂保爷精选保险</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>
