<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%2FO95eeDepqTMtBiasGMr6e1K58dibqUqEjA1N75zHeuiadAbd7UCs3QlQicqNAbXC6rAVXd1FXqnSKbdicn3iaYiacmQuQ%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/O95eeDepqTMtBiasGMr6e1K58dibqUqEjA1N75zHeuiadAbd7UCs3QlQicqNAbXC6rAVXd1FXqnSKbdicn3iaYiacmQuQ/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 ><br /></p><p ><span style="color: rgb(33, 89, 103)">一、</span></p><p ><br /></p><p ><span >随着十年以下缴费期的<span >测评陆续完结，</span></span></p><p ><span ><br /></span></p><p ><span >进度条来到最后的<strong>长期缴费</strong>（含15年交和20年交）时，</span><span >增额终身寿的产品测评。</span></p><p ><br /></p><p ><span >过往经验来看，配置增额寿的人群，</span></p><p ><span ><br /></span></p><p ><span >以趸交（一次交清）、3年/5年/10年交居多，最终选择更长缴费期（15年或20年）的非常少。</span></p><p ><span ><br /></span></p><p ><span >这也好理解，国人都怕夜长梦多，缴费时间过长时，对<strong>未来现金流</strong>要求非常高。</span></p><p ><span ><br /></span></p><p ><span >例如每年交10万，交5年和交20年，缴费压力完全不同。</span></p><p ><br /></p><p ><span >因此真想要长期缴费的，实际就两种情况：</span></p><p ><span ><br /></span></p><p ><strong><span >一是资金不太充裕，想每年存10万，但每年无压力最多交5万，就得拉长2倍缴费期来买；</span></strong></p><p ><br /></p><p ><strong><span >二是把长期缴费当作“加保”来用。</span></strong></p><p ><span ><br /></span></p><p ><span >例如现在是每年2万交5年，未来想加保的，可以换成每年2万交10年，就等于变相加保了，还不用保险公司审核同意。<br /></span></p><p ><br /></p><p ><span >那说回正题，确定要长期缴费了，当前哪款增额终身寿值得买？</span></p><p ><span ><br /></span></p><p ><span >老规矩，对比见真章。</span></p><p ><span ><br /></span></p><p ><span >以10岁男孩，本金30万为例，</span><span >把目前</span><strong><span >支持15年、20年交</span></strong><span >的几十家保险公司的增额寿都放一起对比。</span></p><p ><br /></p><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTNlnkbHibj8MD4og3JHvTh74vT3XsVaiattw19DnibPqcMsEuXKUcaBf8sJETObVVKBnLLCZX8cckQRQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTNlnkbHibj8MD4og3JHvTh74vT3XsVaiattw19DnibPqcMsEuXKUcaBf8sJETObVVKBnLLCZX8cckQRQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><p style="text-align: center"><span style="color: rgb(136, 136, 136); text-align: center">节选部分</span></p><p ><span ><br /></span></p><section ><span >最终挑选了8款长期缴费（15/20年交）情形下，<strong>收益排名靠前、具有代表性</strong>的增额寿，</span><span >分别是：</span></section><section ><span ><br /></span></section><section style="color: rgb(34, 34, 34)"><strong><span style="color: rgb(33, 89, 103)">1、</span></strong><span style="color: rgb(33, 89, 103)"><span style="color: rgb(33, 89, 103)"><span style="color: rgb(33, 89, 103)">「</span><span style="color: rgb(33, 89, 103)">弘康人寿<span >」</span>-金玉满堂2.0（条款名弘福多多）</span></span><span >；</span></span></section><h2 title="康乾1号·益利多终身寿险" style="color: rgb(34, 34, 34)"></h2><section style="color: rgb(34, 34, 34)"><strong><span style="color: rgb(33, 89, 103)">2、</span></strong><span style="color: rgb(33, 89, 103)"><span >「</span><span style="color: rgb(33, 89, 103)">昆仑健康<span >」</span>-<span >乐享年年</span></span><span >；</span></span></section><section style="color: rgb(34, 34, 34)"><strong><span style="color: rgb(33, 89, 103)">3、</span></strong><span style="color: rgb(33, 89, 103)"><span style="color: rgb(33, 89, 103)">「</span><span style="color: rgb(33, 89, 103)">富德生命人寿</span><span style="color: rgb(33, 89, 103)">」</span><span style="color: rgb(33, 89, 103)">-瑞祥人生</span>；</span></section><section style="color: rgb(34, 34, 34)"><strong><span style="color: rgb(33, 89, 103)">4、</span></strong><span style="color: rgb(33, 89, 103)"><span style="color: rgb(33, 89, 103)">「和泰人寿<span >」</span>-增多多3号泰山版（<span >条款名</span>鑫享盈2022版）</span>；</span></section><section style="color: rgb(34, 34, 34)"><strong><span style="color: rgb(33, 89, 103)">5、</span></strong><span style="color: rgb(33, 89, 103)"><span style="color: rgb(33, 89, 103)">「海保</span><span style="color: rgb(33, 89, 103)">人寿</span><span style="color: rgb(33, 89, 103)">」</span><span style="color: rgb(33, 89, 103)">-鑫如意</span>；</span></section><section style="color: rgb(34, 34, 34)"><strong><span style="color: rgb(33, 89, 103)">6、</span></strong><span style="color: rgb(33, 89, 103)"><span >「</span>长城人寿<span >」</span>-平型关；</span></section><section style="color: rgb(34, 34, 34)"><strong><span style="color: rgb(33, 89, 103)">7、</span></strong><span style="color: rgb(33, 89, 103)"><span >「</span><span style="color: rgb(33, 89, 103)">小康人寿<span >」</span>-丰盈人生</span>；</span></section><section style="color: rgb(34, 34, 34)"><strong><span style="color: rgb(33, 89, 103)">8、</span></strong><span style="color: rgb(33, 89, 103)"><span >「横琴</span>人寿<span >」-永恒金生</span></span><span style="color: rgb(33, 89, 103)">。</span></section><section ><br /></section><section ><span >以及部分特定缴费期表现尚可的产品，如颐悦无忧2.0等。</span></section><section ><span ><br /></span></section><section ><span >接下来将从这些产品中，选出当前15年、20年期缴费时，最有竞争力的增额寿。</span></section><section ><span style="color: rgb(136, 136, 136)"><br /></span></section><section ><span style="color: rgb(136, 136, 136)"><br /></span></section><section ><span style="color: rgb(33, 89, 103)">二、</span></section><section ><br /></section><section ><span >先得说明一点，虽然支持长期缴费的增额产品很多，但相比短期缴费，<strong>好产品</strong>明显变少了。</span></section><section ><span ><br /></span></section><section ><span >大多数<span >趸交、3年/5年/10年交排名靠前的产品都不支持长期缴费。</span></span></section><section ><span ><br /></span></section><section ><span >坦白说，前面的数款产品，实际只有<strong>金玉满堂2.0、乐享年年、瑞祥人生</strong>这仨算是长期缴费的第一梯队产品。</span></section><section ><br /></section><section ><em><span >和泰增多多泰山版收益也能位列第一梯队，只是仅开放山东地区，大多数人买不了。</span></em></section><section ><br /></section><section ><span >其他产品，论收益比上面几款都差点意思。</span></section><section ><span ><br /></span></section><section ><span >以15年期的收益为例：</span></section><section ><br /></section><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTNlnkbHibj8MD4og3JHvTh747JwvXIiaFoibsMH8qLpSm8ic6urf1MSoPXvNaJTzpkibyF4zia0A09P2fAQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTNlnkbHibj8MD4og3JHvTh747JwvXIiaFoibsMH8qLpSm8ic6urf1MSoPXvNaJTzpkibyF4zia0A09P2fAQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center"><span style="text-align: center; color: rgb(136, 136, 136)">收益前三标记为：</span><span style="text-align: center; color: rgb(255, 0, 0)">红</span><span style="text-align: center; color: rgb(136, 136, 136)">＞</span><span style="text-align: center; color: rgb(255, 104, 39)">橙</span><span style="text-align: center; color: rgb(136, 136, 136)">＞</span><span style="text-align: center; color: rgb(0, 128, 255)">蓝</span><span style="text-align: center; color: rgb(136, 136, 136)">，下同</span></section><section ><span ><br /></span></section><section ><strong><span >收益top3分别是：金玉满堂2.0≈乐享年年＞瑞祥人生；</span></strong><span ><br /></span></section><section ><span ><br /></span></section><section ><span >每年存2万，连续存15年（本金30万），</span></section><section ><span ><br /></span></section><section ><span >第20年账户金额就有46万+，第30年更能达到65万+</span></section><section ><span ><br /></span></section><section ><span >其他产品收益都会低一些。</span></section><section ><br /></section><section ><span >接着是20年期的收益情况：</span></section><section ><br /></section><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTNlnkbHibj8MD4og3JHvTh747icVTWwRR9oNK5FwOpZVqFib7kFNcWFJvGZl0By9k4fGPCXm7V5pZaBg%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTNlnkbHibj8MD4og3JHvTh747icVTWwRR9oNK5FwOpZVqFib7kFNcWFJvGZl0By9k4fGPCXm7V5pZaBg/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><br /></section><section ><span ><strong ><span >收益和15年期差不多，top3还是：乐享年年<strong ><span >＞金玉满堂2.0＞瑞祥人生</span></strong><strong ></strong>；</span></strong></span></section><section ><span ><br /></span></section><section ><span >其他的也没出现啥黑马，收益仍比上面几款低一档。</span></section><section ><span ><br /></span></section><section ><span >举个例子，每年存1.5万，连续20年：<br /><br /></span></section><section ><span >第30年时，top3的账户金额，能比较低的产品高出3万左右，相当于多交了2年保费。</span></section><section ><span ><br /></span></section><section ><span >即便在封闭期层面，也是这几个最短，如金玉满堂11年就回本了，那时钱还没交完。</span></section><section ><br /></section><section ><span style="color: rgb(33, 89, 103)"><strong><strong >综上，</strong></strong></span></section><section ><strong style="color: rgb(33, 89, 103)"><strong ><br /></strong></strong></section><section ><span >长期缴费目前考虑以下3款即可：</span></section><section ><br /></section><section ><span ><strong>弘康人寿-金满意足2.0；</strong></span></section><section ><span ><strong>昆仑健康-乐享年年；</strong></span></section><section ><span ><strong>富德生命人寿-瑞祥人生</strong></span><strong >。</strong></section><section ><strong ></strong></section><section ><span ><br /></span></section><section ><span >其他产品除了和泰增多多，都只能作为特定情况下的备选。</span></section><section ><br /></section><section ><span ><br /></span></section><section ><span style="color: rgb(33, 89, 103)">三、</span></section><section ><br /></section><section ><span >接着来看top3的详细收益数据。</span></section><section ><span ><br /></span></section><section ><strong><span >15年交时：</span></strong></section><section ><br /></section><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTNlnkbHibj8MD4og3JHvTh742SFpBib6iaJTZkGGr3zpAiaFlccrhicjQjghwAHwh3dONy8Sl1IG2OffGw%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTNlnkbHibj8MD4og3JHvTh742SFpBib6iaJTZkGGr3zpAiaFlccrhicjQjghwAHwh3dONy8Sl1IG2OffGw/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><br /></section><section ><strong><span >20年交时：</span></strong></section><section ><br /></section><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTNlnkbHibj8MD4og3JHvTh74oYSMd6YPkpJcmn1NDxVOJ8EQfNps9X4UiaKGA3aECnsOb0mAUAMgJrA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTNlnkbHibj8MD4og3JHvTh74oYSMd6YPkpJcmn1NDxVOJ8EQfNps9X4UiaKGA3aECnsOb0mAUAMgJrA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><br /></section><section ><span >简单介绍下：</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(33, 89, 103)">1、弘康人寿-金玉满堂2.0</span></section><section ><span ><br /></span></section><section ><span >这款也叫金玉满堂2号或金满意足多多版，条款名弘福多多，是知名IP金玉满堂的延续。</span></section><section ><span ><br /></span></section><section ><span >收益表现亮眼，市面top2的产品，特定年限可以跃居第一。</span></section><section ><span ><br /></span></section><section ><span >15年交，第21年IRR即可突破3.4%（20年交是第24年）。</span></section><section ><span ><br /></span></section><section ><span >重要的是，它还是当前少见的、<strong>减保没20%限制</strong>的产品，保单贷款利率也仅有4.5%。</span></section><section ><br /></section><section ><span >打算长期缴费，肯定是值得重点考虑的。</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(33, 89, 103)">2、昆仑健康-乐享年年</span></section><section ><br /></section><section ><span >又一款顶级收益产品，<span >长期缴费时</span><span >，</span></span></section><section ><span ><br /></span></section><section ><span >前期收益比金玉满堂低点，后期收益目前无敌，</span><span >22年左右</span><span >IR</span><span >R即可突破3.</span><span >4%。</span></section><section ><span ></span></section><section ><span ><br /></span></section><section ><span >缺点减保有20%保额限制（不退保的话需要5年才能减完）。</span></section><section ><span ><br /></span></section><section ><span >还有一点，乐享年年是<strong>增额终身护理险</strong>，</span></section><section ><span ><br /></span></section><section ><span >意外身故时只赔现金价值，就是说在乐享年年10-12年的封闭期内，万一意外身故就会亏本。</span></section><section ><span ><br /></span></section><section ><span >担心的话，可以封闭期内每年买一份意外险，50万保额一年才一百多块，就能解决这个问题了。</span></section><section ><br /></section><section ><span style="color: rgb(33, 89, 103)">3、富德生命人寿-瑞祥人生</span></section><section ><span ><br /></span></section><section ><span >长期缴费是瑞祥人生的主场，有着top3级别的收益。</span><br /></section><section ><span ><br /></span></section><section ><span >并且还是大公司出品（富德生命人寿总资产近5000亿，也就比平安、国寿等老七家低点）。</span></section><section ><span ><br /></span></section><section ><strong><span >大公司+高收益</span></strong><span >，非常稀有的组合。</span></section><section ><br /></section><section ><span >缺点也有，减保每年限制20%保费，暂时也不支持在线减保，</span><span ></span><span >得去</span><span >富德</span><span >生命</span><span >的</span><span >柜面</span><span >。</span></section><section ><span ><br /></span></section><section ><span >虽然富德生</span><span >命全国很多分支机构，但确实不太便捷。</span></section><section ><br /></section><section ><span >介意的话，可以拆单买，想用直接退保，可以在线操作。</span></section><section ><br /></section><section ><strong><span >以上就是当前长期缴费时最拔尖的产品了。</span></strong></section><section ><br /></section><section ><span >更多</span><span >缴费期的挑选建议则可参见：</span></section><section ><br /></section><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTPWCAdlRRibfJhficAds2NhHW6q430DBiaA7ANDT3odAna1iawibCVhr74aQlfu8dLNqlkklf3s9rOoYcQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTPWCAdlRRibfJhficAds2NhHW6q430DBiaA7ANDT3odAna1iawibCVhr74aQlfu8dLNqlkklf3s9rOoYcQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><br /></section><section style="color: rgb(34, 34, 34)"><strong style="color: rgb(0, 0, 0)"><span style="color: rgb(33, 89, 103)"><em ><strong ><span style="text-align: start">产品购买链接，可以扫描</span></strong></em><em ><strong ><span style="text-align: start">下图二维码找我团队专业规划老师获取。</span></strong></em></span></strong></section><section style="color: rgb(34, 34, 34)"><span style="text-align: center"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FO95eeDepqTO1KmSN6nDROWblhVFxxYXzKuynrkK6HnMe0ichpzQyyQr6Wnic6m0udMzOsG4pr5G5uH1r2Rg0QmWg%2F640%3Fwx_fmt%3Dgif%26wxfrom%3D5%26wx_lazy%3D1" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/O95eeDepqTO1KmSN6nDROWblhVFxxYXzKuynrkK6HnMe0ichpzQyyQr6Wnic6m0udMzOsG4pr5G5uH1r2Rg0QmWg/640?wx_fmt=gif&wxfrom=5&wx_lazy=1" 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 ><br /></section><section ><a target="_blank" 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