<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"><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FO95eeDepqTP7iazExnyBY4Cj8nCBAshVCHh9PrwzBXVTbhpPr3ToHErGEZ5kia5dvI8tbTlyiciacje0pDGstr3v8Q%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/O95eeDepqTP7iazExnyBY4Cj8nCBAshVCHh9PrwzBXVTbhpPr3ToHErGEZ5kia5dvI8tbTlyiciacje0pDGstr3v8Q/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></span></a></section><section 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></section><p style="color: rgb(51, 51, 51); text-align: justify"><br /></p><p style="color: rgb(51, 51, 51); text-align: justify"><span >近期有家大公司上线了增额寿新品，</span></p><p style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></p><p style="color: rgb(51, 51, 51); text-align: justify"><span >全称叫</span><strong><span >康乾2号·瑞祥人生</span></strong><span >，封闭期最短4年，实际收益最高能到3.499%。</span></p><p style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></p><p style="color: rgb(51, 51, 51); text-align: justify"><span >这在今年一众“反向升级”新品增额寿里，绝对算得上一股清流了。</span></p><p style="color: rgb(51, 51, 51); text-align: justify"><br /></p><p ><br /></p><p ><span style="color: rgb(33, 89, 103); text-align: start">一、</span></p><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 >瑞祥人生承保公司是富德保险控股旗下的<strong>富德生命人寿</strong>。</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"><em><span >*注：作为国内仅有的13家保险集团之一，除了生命人寿，<span >富德保险控股旗下</span>还有富德产险、生命资产等。</span></em></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FO95eeDepqTPevuIX7ZdDIXUsENlKuPcZk50LuXB9GJK3oYGcyHCCiaENPmHTHsjASJJwAXibd3LdFHoDTWqhxs7A%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/O95eeDepqTPevuIX7ZdDIXUsENlKuPcZk50LuXB9GJK3oYGcyHCCiaENPmHTHsjASJJwAXibd3LdFHoDTWqhxs7A/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></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 ><span >生命人寿成立于2002年，</span>注册资本117.52亿元，总资产超4800亿元，<span >全国拥有35家分公司、1000多个分支机构及服务网点。</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 ><span >常年</span>在近百家人身险公司里<span >排名前十，也就比国寿、平安、太保等“老七家”稍逊一筹</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 >直白说，这种级别的公司，囿于运营、人力和规模等因素，</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 >多数时候产品力比起中小公司肯定要差不少，这点想必大家也明白。<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 >不过，<strong>瑞祥人生</strong>是个例外。</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 >经测算，这款新品持有30年，复利就能到增额寿的产品极限，3.499%；</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 >一度以为是算错了，反复测算后，</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 >只能说结果没错，</span><span ></span><span >但与大家想象的<strong>有出入</strong>，</span><span >具体会在后面分析瑞祥人生收益时细说。</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"><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 style="color: rgb(33, 89, 103); text-align: start">二、</span></section><section ><br /></section><p ><span >按例来看瑞祥人生的产品详情：</span></p><p ><span ><br /></span></p><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTNXc5Oic4mh9FPVfm0pWoibicwLegbq8ibFIIVYgicInRWu0r8tPm15LeicbdX3b8yuIGlIkUgE2Wwrb1pg%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTNXc5Oic4mh9FPVfm0pWoibicwLegbq8ibFIIVYgicInRWu0r8tPm15LeicbdX3b8yuIGlIkUgE2Wwrb1pg/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><span ><br /></span></section><section ><span >瑞祥人生最高支持70岁购买，</span></section><section ><span ><br /></span></section><section ><span >可选趸交（一次交清）、3年/5年/10年/15年/20年全缴费期。</span></section><section ><span ><br /></span></section><section ><span >购买门槛2000元起，非常低。</span><br /></section><section ><span ><br /></span></section><section ><span >可投保地区只能说不愧是大公司，支持20多个省市，天南海北都有。</span></section><section ><span ><br /></span></section><section ><span >由于是新产品，不可避免的，瑞祥人生</span><span >不支持「</span><strong >加保</strong><span >」。</span></section><section ><br /></section><section ><span >「</span><strong >减保</strong><span >」也有限制，满5年可申请，每年最多可减20%保费，</span></section><section ><span ><br /></span></section><section ><span >并且<strong>目前仅支持去柜面减保</strong>（不排除后期会开放线上减保）。</span></section><section ><span ><br /></span></section><section ><span ><span >的确不如线上减保方便，不过好在</span><strong>全国大部分省市都有<span >生命人寿的</span>分支机构</strong>，一般也不会太麻烦。</span></section><section ><br /></section><section ><span >若不想减保，只是资金<span >短期周转，</span>瑞祥人生也支持<strong >保单贷款</strong>，当前保单贷款利率为5.5%，不算高。</span></section><section ><br /></section><section ><span >其他就乏善可陈了，下面就直接来看瑞祥人生的收益情况。</span></section><section ><span ><br /></span></section><p ><span ><br /></span></p><p ><span style="color: rgb(33, 89, 103); text-align: start">三、</span></p><p ><br /></p><section style="color: rgb(34, 34, 34); text-align: justify"><span >我们以给10岁男孩购买，总投入30万为例：</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 >按<strong >趸交</strong>（即一次交完）、<strong >3年交</strong>、<strong >5年交</strong><span >、</span><strong >10年交、15年交、20年交</strong>分别对比当前收益排名靠前的增额寿们。</span></section><p ><span ><br /></span></p><p ><span style="color: rgb(33, 89, 103); text-align: justify">I、趸交，即一次交清的收益情况</span></p><p ><strong><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></strong></p><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTOtTNeYq1WQf1aHAnTSkLzlSpP45NGa19dYeF169bhY7WunibDQAC7tunpfSkxRgt4GiaUxZuK04ic4A%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTOtTNeYq1WQf1aHAnTSkLzlSpP45NGa19dYeF169bhY7WunibDQAC7tunpfSkxRgt4GiaUxZuK04ic4A/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><p style="text-align: center"><span style="color: rgb(136, 136, 136)"><strong><span style="text-align: justify">收益前三是</span></strong></span><span ><strong><span style="color: rgb(51, 51, 51); text-align: justify"><span style="text-align: justify; color: rgb(255, 0, 0)"><strong ><span style="text-align: justify">红</span></strong></span><strong style="color: rgb(51, 51, 51); text-align: justify"><span style="text-align: justify">＞</span></strong><span style="text-align: justify; color: rgb(255, 104, 39)"><strong ><span style="text-align: justify">橙</span></strong></span><strong style="color: rgb(51, 51, 51); text-align: justify"><span style="text-align: justify">＞</span></strong><span style="text-align: justify; color: rgb(0, 128, 255)"><strong ><span style="text-align: justify">蓝</span></strong></span></span></strong></span><span style="color: rgb(136, 136, 136)"><strong><span style="text-align: justify">，下同</span></strong></span></p><p ><strong><span style="color: rgb(51, 51, 51); text-align: justify"><br />一次交清时，瑞祥人生收益不算突出，比不上益利多、万年禧等老牌产品。</span></strong></p><p ><strong><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></strong></p><p ><strong><span style="color: rgb(51, 51, 51); text-align: justify">这点可以结合下方的收益率数据来看：</span></strong></p><p ><span style="text-align: center"><br /></span></p><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTOtTNeYq1WQf1aHAnTSkLzl0NkF4Vxozh2YSbhDt9UmbEd8eqMKqAzjngaibJL4CpIfK20SgNen07w%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTOtTNeYq1WQf1aHAnTSkLzl0NkF4Vxozh2YSbhDt9UmbEd8eqMKqAzjngaibJL4CpIfK20SgNen07w/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><p ><span style="color: rgb(34, 34, 34)"><br /></span></p><p ><span style="color: rgb(34, 34, 34)">不过瑞祥人生也有自己的优势——<strong>封闭期短</strong>。<br /></span></p><p ><span style="color: rgb(34, 34, 34)"><br /></span></p><p ><span style="color: rgb(34, 34, 34)">一次交清，<strong>4年</strong>就能回本，其他主流产品都得等6-8年才行。<br /></span></p><p ><span style="color: rgb(34, 34, 34)"><br /></span></p><p ><span style="color: rgb(34, 34, 34)">在意这点的话，可以考虑。</span></p><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 ><br /></span></section><section style="color: rgb(34, 34, 34); text-align: justify"><span ><strong style="color: rgb(33, 89, 103); text-align: justify"><span style="color: rgb(33, 89, 103); text-align: justify">II、3年交、5年交的收益情况</span></strong></span></section><p ><strong><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></strong></p><p ><strong><span style="color: rgb(51, 51, 51); text-align: justify">这俩缴费期差不多，就放一起说了：</span></strong></p><p ><strong><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></strong></p><p ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTOtTNeYq1WQf1aHAnTSkLzlxTPZBtg7Hyyx9hFX1jT8sp8zvUYWQbJ32BPR9PIABCS0TzbpQaoCaQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTOtTNeYq1WQf1aHAnTSkLzlxTPZBtg7Hyyx9hFX1jT8sp8zvUYWQbJ32BPR9PIABCS0TzbpQaoCaQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><p ><br /></p><p ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTOtTNeYq1WQf1aHAnTSkLzlhGJGkxnIclgNZzLIpibGYgQOe7A7JqKHniaHlFmSp3FlvwRGywhRG1CA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTOtTNeYq1WQf1aHAnTSkLzlhGJGkxnIclgNZzLIpibGYgQOe7A7JqKHniaHlFmSp3FlvwRGywhRG1CA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><p style="text-align: center"><br /></p><p style="color: rgb(51, 51, 51); text-align: justify"><span >相比趸交，瑞祥人生3年、5年交，收益提升了些。</span></p><p style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></p><p style="color: rgb(51, 51, 51); text-align: justify"><span >只是增多多3号和益利多等产品过于出彩，瑞祥人生还是没能“出头”。</span></p><p style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></p><p style="color: rgb(51, 51, 51); text-align: justify"><span >但就详细数据来看，实际差距已经很小了</span><span >：</span></p><p ><span ><br /></span></p><p ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTOtTNeYq1WQf1aHAnTSkLzl3GuhZ2d4qsic8HCSsrJ5lHlxicxYmOGTPxD0AJbYS5uFnhyhMB0Oaiahg%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTOtTNeYq1WQf1aHAnTSkLzl3GuhZ2d4qsic8HCSsrJ5lHlxicxYmOGTPxD0AJbYS5uFnhyhMB0Oaiahg/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><p ><br /></p><p ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTOtTNeYq1WQf1aHAnTSkLzlmlXLjSMk6TBqU7PJNITOAoXApTYQ19FlRZM2icluVXzz0FbIMTibicpSA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTOtTNeYq1WQf1aHAnTSkLzlmlXLjSMk6TBqU7PJNITOAoXApTYQ19FlRZM2icluVXzz0FbIMTibicpSA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><p ><br /></p><p ><span >因此，打算分3年/5年交，</span></p><section style="text-align: justify; color: rgb(34, 34, 34)"><br /></section><section style="text-align: justify; color: rgb(34, 34, 34)"><span >即便不考虑封闭期，瑞祥人生收益也值得考虑了（长期持有的话）。</span></section><section style="text-align: justify; color: rgb(34, 34, 34)"><span ><br /></span></section><section style="text-align: justify; color: rgb(34, 34, 34)"><span >注意这还是跟市面最顶级的产品对比，<br /></span></section><section style="text-align: justify; color: rgb(34, 34, 34)"><span ><br /></span></section><section style="text-align: justify; color: rgb(34, 34, 34)"><span >如果是一些其他大公司或大银行的增额寿，在年复利轻松达到3.4%的<span style="color: rgb(34, 34, 34)">瑞祥人生</span>面前，压根没有一战之力。</span></section><section style="text-align: justify; color: rgb(34, 34, 34)"><span ><br /></span></section><section ><strong><span style="color: rgb(51, 51, 51); text-align: justify"><strong style="color: rgb(51, 51, 51); text-align: justify"><span style="text-align: justify"><br /></span></strong></span></strong></section><section ><span ><strong><span style="color: rgb(51, 51, 51); text-align: justify"><strong style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(51, 51, 51); text-align: justify"><strong style="text-align: justify; color: rgb(33, 89, 103)"><span style="color: rgb(33, 89, 103); text-align: justify">III、10年交的收益情况</span></strong></span></strong></span></strong></span></section><section ><span style="text-align: center"><br /></span></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTOtTNeYq1WQf1aHAnTSkLzlYjZe5c9NKbcvnzO9Lc3QXuOiaqoXwIdm8vKliasn3Y6d1gE2KU2ia6B2g%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTOtTNeYq1WQf1aHAnTSkLzlYjZe5c9NKbcvnzO9Lc3QXuOiaqoXwIdm8vKliasn3Y6d1gE2KU2ia6B2g/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section style="text-align: justify; color: rgb(34, 34, 34)"><br /></section><section style="text-align: justify; color: rgb(34, 34, 34)"><span >10年交，瑞祥人生的收益又进步了些。</span></section><section style="text-align: justify; color: rgb(34, 34, 34)"><br /></section><section style="text-align: justify; color: rgb(34, 34, 34)"><span >本金30万，分10年交：</span><br /></section><p style="text-align: justify; color: rgb(34, 34, 34)"><br /></p><ul style="text-align: justify; color: rgb(34, 34, 34)"><li ><p ><span >持有25年，账户价值约61万，是本金的2倍，仍<span style="color: rgb(34, 34, 34)">相当于这笔钱存银行，年利率5%</span>；</span></p></li><li ><p ><span >持有30年，账户价值约72万，是本金的2.4倍，约合<span style="color: rgb(34, 34, 34)">银行存款</span>单利5.5%；</span></p></li><li ><p ><span >持有50年，账户价值约143万，是本金的4.8倍，约合<span style="color: rgb(34, 34, 34)">银行存款</span>单利8.3%！</span></p></li></ul><section style="text-align: justify; color: rgb(34, 34, 34)"><br /></section><section style="text-align: justify; color: rgb(34, 34, 34)"><span >和收益top1的益利多青春版比起来，都没差多少了：</span></section><section style="text-align: justify; color: rgb(34, 34, 34)"><span style="text-align: center; color: rgb(51, 51, 51)"><br /></span></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTOtTNeYq1WQf1aHAnTSkLzl6WXmWBOkAOqNZj5oNDicNSJ8kANCfjMibyl3BKU4wrUbGg1JjUib8HDQw%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTOtTNeYq1WQf1aHAnTSkLzl6WXmWBOkAOqNZj5oNDicNSJ8kANCfjMibyl3BKU4wrUbGg1JjUib8HDQw/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><p ><br /></p><section ><strong ><span >鉴于选择长期缴费的朋友，很少是短期持有。</span></strong></section><section ><strong ><span ><br /></span></strong></section><section ><strong ><span >若是打算十年期缴费，综合各方面看，瑞祥人生足以重点考虑了。</span></strong></section><section ><strong ></strong></section><section ><br /></section><section ><br /></section><section ><span ><strong><span style="color: rgb(51, 51, 51); text-align: justify"><strong style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(51, 51, 51); text-align: justify"><strong style="text-align: justify; color: rgb(33, 89, 103)"><span style="color: rgb(33, 89, 103); text-align: justify">IV、15年/20年交的收益情况</span></strong></span></strong></span></strong></span></section><section ><span ><br /></span></section><p ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTOtTNeYq1WQf1aHAnTSkLzlibOV4YNKibvB6BRdM9ESRwCsEOiaso8jrl7AHfvUjPpjxRibibdlFnu7E2g%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTOtTNeYq1WQf1aHAnTSkLzlibOV4YNKibvB6BRdM9ESRwCsEOiaso8jrl7AHfvUjPpjxRibibdlFnu7E2g/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><p ><br /></p><p ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTOtTNeYq1WQf1aHAnTSkLzlI27Fn3tZxTzjNY5fibxf2WyWfhy5ammsrAScialoVMQgcdLMAUgykK3A%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTOtTNeYq1WQf1aHAnTSkLzlI27Fn3tZxTzjNY5fibxf2WyWfhy5ammsrAScialoVMQgcdLMAUgykK3A/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section ><br /></section><section ><strong><span style="color: rgb(51, 51, 51); text-align: justify">长期缴费时，瑞祥人生收益就支棱起来了。</span></strong></section><section ><strong><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></strong></section><section ><strong><span >无论15年还是20年缴费，都稳居前三。</span></strong></section><section ><strong><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></strong></section><section ><strong ><span ><em>当然也有前面的益利多青春版、万年禧等都不支持长期缴费的缘故。</em></span></strong><br /></section><section ><br /></section><section ><strong><span style="color: rgb(51, 51, 51); text-align: justify">实际收益率数据如下：</span></strong></section><section ><br /></section><p ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTOtTNeYq1WQf1aHAnTSkLzlwiaynHpQiapw6BGJXPGXk2Vt25Hv9ZNB42ejQ4tia1QJFeYwDB3IaOWBQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTOtTNeYq1WQf1aHAnTSkLzlwiaynHpQiapw6BGJXPGXk2Vt25Hv9ZNB42ejQ4tia1QJFeYwDB3IaOWBQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><p ><br /></p><p ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTOtTNeYq1WQf1aHAnTSkLzlVM43ibic3Jnep2k08ypuLVaZkpbjUB2WEGickAKjgJBDQvyc8E63ib9AtA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTOtTNeYq1WQf1aHAnTSkLzlVM43ibic3Jnep2k08ypuLVaZkpbjUB2WEGickAKjgJBDQvyc8E63ib9AtA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section ><br /></section><section ><strong><span style="color: rgb(51, 51, 51); text-align: justify">要是考虑现实因素，恒大这名头不太讨喜，大多数人长期缴费最终选的还是瑞祥人生这款。</span></strong></section><section ><strong><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></strong></section><section ><strong><span style="color: rgb(51, 51, 51); text-align: justify">加之位列第三的和泰增多多产品力不算突出，</span></strong></section><section ><strong><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></strong></section><section ><strong><span >瑞祥人生成了事实上的长期缴费第一推荐。</span></strong></section><section ><br /></section><p style="color: rgb(51, 51, 51); text-align: justify"><br /></p><p style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(33, 89, 103); text-align: start">四、</span></p><p ><br /></p><p ><strong><span style="color: rgb(51, 51, 51); text-align: justify">看到这，不知道有没有人疑惑，</span></strong></p><p ><strong><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></strong></p><p ><strong><span >全部缴费期的收益数据都看了，瑞祥人生哪来的年复利3.499%？</span></strong></p><p ><strong><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></strong></p><p ><strong><span style="color: rgb(51, 51, 51); text-align: justify">说3.49%就算了，IRR确实到了，3.499%在哪？</span></strong><br /></p><p ><strong><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></strong></p><p ><strong><span style="color: rgb(51, 51, 51); text-align: justify">个中“<strong ><span >玄机</span></strong>”在</span></strong><strong><span >年龄</span></strong><span >及</span><strong><span >性别</span></strong><strong><span style="color: rgb(51, 51, 51); text-align: justify">上。</span></strong></p><p ><strong><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></strong></p><p ><strong><span style="color: rgb(51, 51, 51); text-align: justify">通常来说，增额寿的收益只取决于分几年交，和性别和年龄关系不大。</span></strong></p><p ><strong><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></strong></p><p ><strong><span style="color: rgb(51, 51, 51); text-align: justify">瑞祥人生则不然，</span></strong><strong><span >特定年龄/性别，收益会大幅提升</span></strong><strong><span style="color: rgb(51, 51, 51); text-align: justify">。<br /></span></strong></p><p ><strong><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></strong></p><p ><strong><span style="color: rgb(51, 51, 51); text-align: justify">举个例子，本金30万分5年交，不同年龄男性买瑞祥人生收益如下：</span></strong></p><p ><strong><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></strong></p><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTPx6IvppDKxo2ibqlOMWUpsA8KgPvIaKF1RjHicjucrfxdRSugDplUgJpHNWpLIHBe78YVC0gqrMSxg%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTPx6IvppDKxo2ibqlOMWUpsA8KgPvIaKF1RjHicjucrfxdRSugDplUgJpHNWpLIHBe78YVC0gqrMSxg/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><p ><br /></p><p ><strong><span style="color: rgb(51, 51, 51); text-align: justify">像30岁买瑞祥人生，持有30年后，年复利就能到惊人的3.499%！</span></strong></p><p ><strong><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></strong></p><p ><strong><span >其他年龄则很难做到。</span></strong></p><p ><strong><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></strong></p><p ><span style="color: rgb(33, 89, 103)"><strong><span style="text-align: justify">10岁买，相同本金，持有30年，年复利3.473%；</span></strong></span></p><p ><span style="color: rgb(33, 89, 103)"><strong><span style="text-align: justify">20岁买，同期年复利3.493%；<br /></span></strong></span></p><p ><span style="color: rgb(33, 89, 103)"><strong><span style="text-align: justify">40岁买，同期年复利3.463%。</span></strong></span></p><p ><strong><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></strong></p><p ><strong><span style="color: rgb(51, 51, 51); text-align: justify">而瑞祥人生大多宣发材料，举的例子都是30岁，因此才传出IRR3.499%的说法。<br /></span></strong></p><p ><strong><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></strong></p><p ><strong><span style="color: rgb(51, 51, 51); text-align: justify">经我测算，10岁以下投保，收益都差不多；</span></strong></p><p ><strong><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></strong></p><p ><strong ><span >10岁到21岁收益会慢慢提升，21岁左右达到顶峰（IRR3.499%）；</span></strong><br /></p><p ><strong ><span ><br /></span></strong></p><p ><strong ><span >21岁后收益开始回落，接近30岁时又开始上升；</span></strong></p><p ><strong ><span ><br /></span></strong></p><p ><strong ><span >30岁时再次达到3.499%，再后又会下降...</span></strong></p><p ><strong ><span ><br /></span></strong></p><p ><strong><span style="color: rgb(51, 51, 51); text-align: justify">也就是</span></strong><strong><span >刚好21岁或30岁这种特定年龄</span></strong><strong><span style="color: rgb(51, 51, 51); text-align: justify">，买瑞祥人生才能实现收益最大化，能到3.499%，</span></strong></p><p ><strong><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></strong></p><p ><strong><span style="color: rgb(51, 51, 51); text-align: justify">其他年龄，哪怕差一两岁，如22岁，32岁，都达不到这收益。</span></strong></p><p ><strong><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></strong></p><p ><strong><span style="color: rgb(51, 51, 51); text-align: justify">老实说，我也没想通这啥原因，总不能是为了宣传好看吧...</span></strong></p><p ><strong><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></strong></p><p ><strong><span >鉴于大多数人不会刚好是那特定情况，因此网上很多说瑞祥人生年复利3.499%的说法其实站不住脚。</span></strong></p><p ><strong><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></strong></p><p ><strong><span >但这倒也不妨碍「瑞祥人生」是一款优秀的增额终身寿。</span></strong></p><p ><strong><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></strong></p><p ><strong><span style="color: rgb(51, 51, 51); text-align: justify">3.499%不好达到，3.49%还是可以的，</span></strong></p><p ><strong><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></strong></p><p ><strong><span style="color: rgb(51, 51, 51); text-align: justify">并且短期缴费封闭期很短，长期缴费竞争力极强，又是大公司出品。<br /></span></strong></p><p ><strong><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></strong></p><p ><strong><span style="color: rgb(51, 51, 51); text-align: justify">这样的新品，已经足够优秀，比今年绝大多数产品都要好。<br /></span></strong></p><p ><br /></p><p ><strong ><span >既然如此，能成爆款也就不稀奇了。<br /></span></strong></p><p ><strong><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></strong></p><p ><span style="color: rgb(51, 51, 51); text-align: justify">最后附上当前增额</span><strong><span style="color: rgb(51, 51, 51); text-align: justify">终身寿的挑选建议图：</span></strong></p><p ><br /></p><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTPh4jnLicTqSCicqvQokibHNoziaupXTROkibz2bjQibq54w7xEqeZbsU87FBibegA91ZETqLHLj6uXwBLEQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTPh4jnLicTqSCicqvQokibHNoziaupXTROkibz2bjQibq54w7xEqeZbsU87FBibegA91ZETqLHLj6uXwBLEQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><br /></section><section ><span style="color: rgb(33, 89, 103)"><em><strong><span >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></em></span><strong><span style="color: rgb(51, 51, 51); text-align: justify"></span></strong></section><section ><strong><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></strong></section><section ><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 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(0, 0, 0)">相关阅读：</span></section><section ><br /></section><section ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247494933&idx=2&sn=ce2ae11998aac27f7d37e48509c38a02&chksm=cfb60e95f8c187830671fd2e1135d71fd5f8c8f6a56cbc9c7f563ecc7d7c202ffcb997735e4d&scene=21#wechat_redirect" textvalue="把钱存到增额寿，他们后悔吗？" linktype="text" imgurl="" imgdata="null" tab="innerlink" ><span >把钱存到增额寿，他们后悔吗？</span></a><br /></section><section ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MzIzMzIzNTk4Mg==&mid=2247485372&idx=1&sn=9e8d6c130138914c7136ad8f92f444e6&chksm=e889f4dddffe7dcb138307825c1cc4f84a94b3042647255ca3405674e60482fe5d93167d2234&scene=21#wechat_redirect" textvalue="增额寿爆火背后，别人是怎么买的？怎么考虑的？" linktype="text" imgurl="" imgdata="null" tab="innerlink" ><span >增额寿爆火背后，别人是怎么买的？怎么考虑的？</span></a><br /></section><section ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247493773&idx=1&sn=5bc0e686e2dc7e14a729ee8f577f6a3a&chksm=cfb60b0df8c1821b05c31251f729f4c57fd28a7c08c8443e3f6f6f16f9657d90a39ac6813120&scene=21#wechat_redirect" textvalue="一图了解【懂保爷】" linktype="text" imgurl="" imgdata="null" tab="innerlink" ><span >一图了解【懂保爷】</span></a><br /></section><section ><br /></section><section ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247493287&idx=1&sn=c67de5048364c763c64d745c8554dcf0&chksm=cfb60527f8c18c3174405593f6d532cb8f83f81e138e62eb17fdfc577bfbda31b5d6fac3c7be&scene=21#wechat_redirect" textvalue="关于增额终身寿，我把这些实话一次全告诉你" linktype="text" imgurl="" imgdata="null" tab="innerlink" >关于增额终身寿，我把这些实话一次全告诉你</a></section><section ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247492910&idx=1&sn=a5cdd63fa460660d59517e0435f912e3&chksm=cfb606aef8c18fb895672db8002a9fe0e9f788eda2edf38d72df34b9a5f13da73f926f6d6796&scene=21#wechat_redirect" textvalue="最适合普通人的理财，2022年开始陆续收紧了！" linktype="text" imgurl="" imgdata="null" tab="innerlink"><span >最适合普通人的理财，2022年开始陆续收紧了！</span></a></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><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></section><section style="text-align: left"><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>
