保险精英倾情访谈，3分钟视频带你轻松补课年金保险！
<section style="font-size: 16px;" data-mpa-powered-by="yiban.io"><section style="text-align: center;margin: 10px 0%;" powered-by="xiumi.us"><section style="display: inline-block;width: 85%;vertical-align: top;border-style: solid;border-width: 1px;border-radius: 0px;border-color: rgba(62, 62, 62, 0.42);padding-top: 20px;padding-bottom: 20px;"><section style="" powered-by="xiumi.us"><section style="display: inline-block;width: 90%;vertical-align: top;"><section style="margin-right: 0%;margin-left: 0%;" powered-by="xiumi.us"><section class="horizontal-tb" style="display: inline-block;border-width: 2px;border-style: solid;border-color: rgb(199, 182, 140);padding: 0.1em 0.3em;background-color: rgb(199, 182, 140);color: rgb(255, 255, 255);font-size: 18px;"><p><span style="font-size: 16px;"><strong>/国寿开讲·保险精英 /</strong></span></p><p><span style="font-size: 15px;"><strong>唐娟娟</strong></span></p></section></section></section></section><section style="margin-top: 20px;margin-right: 0%;margin-left: 0%;" powered-by="xiumi.us"><section class="horizontal-tb" style="text-align: justify;font-size: 15px;padding-right: 10px;padding-left: 10px;line-height: 2;letter-spacing: 2px;"><p style="white-space: normal;"><br></p><p style="white-space: normal;">中国人寿总公司精英俱乐部副会长</p><p style="white-space: normal;">RFC注册财务策划师</p><p style="white-space: normal;">MDRT美国百万圆桌中国长沙区域主席&TOT顶尖会员</p><p style="white-space: normal;">CMF国际十大保险明星</p></section></section></section></section><section class="horizontal-tb" powered-by="xiumi.us"><p style="white-space: normal;"><br></p></section><section style="font-size: 46px;margin-top: 10px;margin-bottom: 10px;text-align: center;" powered-by="xiumi.us"><section style="display: inline-block;vertical-align: middle;width: 3em;height: 3em;transform: rotate(0deg);padding: 5px;"><section style="width: 100%;height: 100%;border-radius: 100%;background-position: center center;background-repeat: no-repeat;background-size: cover;overflow: hidden;background-image: url(" https:="" lymx.com.cn="" source="" plugin="" csdn123_news="" display_picture.php?url="https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2F1NswIXMM8qZaLEsVk7Ht4NiaINlnQlqP7buN5icVhn5KB8RCZJhJIkwMjC3poUK7tH1icEzgMYonapWuvFibNnB23A%2F640%3Fwx_fmt%3Dpng");""><section style="height: 100%;overflow: hidden;line-height: 0;vertical-align: middle;"><img data-ratio="0.981069" src="https://lymx.com.cn/source/plugin/csdn123_news/display_picture.php?url=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2F1NswIXMM8qZaLEsVk7Ht4NiaINlnQlqP7buN5icVhn5KB8RCZJhJIkwMjC3poUK7tH1icEzgMYonapWuvFibNnB23A%2F640%3Fwx_fmt%3Dpng" data-type="png" data-w="898" style="width: 100%;height: 100%;opacity: 0;"></section></section></section><section style="display: inline-block;vertical-align: middle;margin-left: -1.5em;"><section style="width: 5px;height: 5px;transform: rotate(0deg);margin-left: -3px;border-radius: 50%;background-color: rgb(162, 141, 91);"></section><section style="width: 1.5em;height: 3em;margin-top: -3px;margin-bottom: -3px;border-radius: 0px 1.5em 1.5em 0px;border-top: 1px solid rgb(162, 141, 91);border-right: 1px solid rgb(162, 141, 91);border-bottom: 1px solid rgb(162, 141, 91);border-left-color: rgb(162, 141, 91);"></section><section style="width: 5px;height: 5px;margin-left: -3px;border-radius: 50%;background-color: rgb(162, 141, 91);"></section></section></section><section class="horizontal-tb" powered-by="xiumi.us"><p style="text-align: center;">https://lymx.com.cn/jpg/xflm/xinfulinmen%20(5).mp4</p></section><section style="margin: 10px 0%;" powered-by="xiumi.us"><section style="display: inline-block;width: 100%;vertical-align: top;"><section class="horizontal-tb" style="text-align: center;color: rgba(62, 62, 62, 0.1);font-size: 104px;line-height: 1;" powered-by="xiumi.us"><p><strong>Q1</strong></p></section><section style="margin: -50px 0% 5px;" powered-by="xiumi.us"><section class="horizontal-tb" style="font-size: 14px;color: rgb(152, 152, 152);line-height: 1.8;"><p style="white-space: normal;"><br></p></section></section><section class="horizontal-tb" style="font-size: 20px;" powered-by="xiumi.us"><p style="text-align: center;white-space: normal;"><br></p><p style="text-align: center;white-space: normal;"><span style="font-size: 18px;"><strong> 内似社保，保险具有储蓄作用 </strong></span><br></p></section></section></section><section class="horizontal-tb" powered-by="xiumi.us"><p style="white-space: normal;"><br></p></section><section style="margin-top: 10px;margin-bottom: 10px;text-align: center;" powered-by="xiumi.us"><section style="display: inline-block;width: 90%;border-width: 1px;border-style: solid;border-color: rgba(192, 200, 209, 0.05);padding: 10px;background-color: rgba(239, 239, 239, 0.59);"><section class="horizontal-tb" style="text-align: justify;line-height: 2;font-size: 14px;letter-spacing: 2px;padding-right: 10px;padding-left: 10px;" powered-by="xiumi.us"><p style="white-space: normal;"><span style="font-size: 14px;letter-spacing: 2px;background-color: rgba(239, 239, 239, 0.59);color: rgb(199, 182, 140);">■</span><span style="font-size: 14px;letter-spacing: 2px;background-color: rgba(239, 239, 239, 0.59);"> </span>保险离我们每个人都不远。我相信，正在看这条视频的朋友们都会缴纳社保吧？社保本身具有一定的强制性储蓄作用，它等于帮我们在自己身强力壮、赚钱能力较强的时候，提前为我们有朝一日年龄增长、收入能力下滑的人生阶段做出了一种保障和允诺。</p><p style="white-space: normal;">强制性储蓄是保险的标志性作用之一。未雨绸缪早当先，居安思危谋长远。只要你有缴纳社保的意识，你就不能说，你不需要保险。</p></section></section></section><section class="horizontal-tb" powered-by="xiumi.us"><p style="white-space: normal;"><br></p></section><section class="horizontal-tb" powered-by="xiumi.us"><p style="white-space: normal;"><br></p></section><section style="margin: 10px 0%;" powered-by="xiumi.us"><section style="display: inline-block;width: 100%;vertical-align: top;"><section class="horizontal-tb" style="text-align: center;color: rgba(62, 62, 62, 0.1);font-size: 104px;line-height: 1;" powered-by="xiumi.us"><p><strong>Q2</strong></p></section><section style="margin: -50px 0% 5px;" powered-by="xiumi.us"><section class="horizontal-tb" style="font-size: 14px;color: rgb(152, 152, 152);line-height: 1.8;"><p style="white-space: normal;"><br></p></section></section><section class="horizontal-tb" style="font-size: 20px;" powered-by="xiumi.us"><p style="text-align: center;white-space: normal;"><br></p><p style="text-align: center;white-space: normal;"><span style="font-size: 18px;"><strong>保险属于重要的一种资产配置形式 </strong></span><br></p></section></section></section><section class="horizontal-tb" powered-by="xiumi.us"><p style="white-space: normal;"><br></p></section><section style="margin-top: 10px;margin-bottom: 10px;text-align: center;" powered-by="xiumi.us"><section style="display: inline-block;width: 90%;border-width: 1px;border-style: solid;border-color: rgba(192, 200, 209, 0.05);padding: 10px;background-color: rgba(239, 239, 239, 0.59);"><section class="horizontal-tb" style="text-align: justify;line-height: 2;font-size: 14px;letter-spacing: 2px;padding-right: 15px;padding-left: 15px;" powered-by="xiumi.us"><p style="white-space: normal;"><span style="color: rgb(199, 182, 140);">■</span> 对于家庭和个人而言，追求高收益、厌恶高风险是不变的主题。但身在2019年，我们不难发现，全球资产收益水平呈现的是不断下降的大趋势。同时，世界经济发展所面临的巨大压力也预示着投资风险的不断累积。在这个背景下，我们应该坚持科学、理性的投资观念，不要追踪高收益而忽视高风险，也不要只追求现在，而忽略发展趋势。简单来讲，就是不能把鸡蛋放在同一个篮子里面。</p><p style="white-space: normal;"><br></p><p style="white-space: normal;"><span style="color: rgb(199, 182, 140);">■ </span>著名的标准普尔家庭资产象限图被认为是家庭合理、稳健、科学的资产分配方式。它是这样告诉我们的：储蓄型保险属于我们重要的一种资产配置形式，它既不同于我们用于健康医疗的那部分“保命钱”，也不同于我们维持日常开销的那部分“花销钱”，还不等于我们用来投资股票、债券的那部分“冒险钱”。在我们的家庭资产当中，至少要有一定比例的保险产品，让这部分资产保持长期稳定，为子女教育、品质生活，做好基本保障。这部分钱要跑得赢通胀，也要扛得住外部金融风险。</p></section><section class="horizontal-tb" style="text-align: justify;" powered-by="xiumi.us"><p style="white-space: normal;"><br></p></section><section style="margin: 10px 0%;" powered-by="xiumi.us"><section style="display: inline-block;width: 100%;vertical-align: top;"><section style="margin: 10px 0% -2px;text-align: left;transform: translate3d(5px, 0px, 0px);font-size: 14px;" powered-by="xiumi.us"><section class="horizontal-tb" style="display: inline-block;border-width: 2px;border-style: solid;border-color: rgb(199, 182, 140);padding: 0.1em 0.3em;background-color: rgb(199, 182, 140);color: rgb(255, 255, 255);line-height: 1.4;"><p><strong>标准普尔家庭资产象限图</strong></p></section></section><section style="transform: translate3d(5px, 0px, 0px);margin: 10px 0%;" powered-by="xiumi.us"><section style="display: inline-block;width: 95%;vertical-align: top;box-shadow: rgba(62, 62, 62, 0) 0px 0px 0px;border-color: rgba(62, 62, 62, 0.03);border-width: 1px;border-radius: 0px;border-style: solid;"><section style="transform: translate3d(-5px, 0px, 0px);margin: -5px 0% 5px;" powered-by="xiumi.us"><section style="display: inline-block;width: 100%;vertical-align: top;box-shadow: rgba(62, 62, 62, 0) 0px 0px 0px;background-color: rgba(62, 62, 62, 0);border-color: rgba(62, 62, 62, 0.03);border-width: 1px;border-radius: 0px;border-style: solid;"><section style="margin: -5px 0% 5px;transform: translate3d(-5px, 0px, 0px);" powered-by="xiumi.us"><section style="vertical-align: middle;display: inline-block;line-height: 0;box-shadow: rgba(62, 62, 62, 0) 0px 0px 0px;"><img class="raw-image" data-croporisrc="https://mmbiz.qpic.cn/mmbiz_png/1NswIXMM8qZaLEsVk7Ht4NiaINlnQlqP7nHG1p2A5VIPx2zGD9cgnYctNTicYgv6auCFCpIwPYvUJOMpOgWccRdw/640?wx_fmt=png" data-cropx1="0" data-cropx2="682.5321888412017" data-cropy1="0" data-cropy2="441.81115879828326" data-ratio="0.6480938416422287" src="https://lymx.com.cn/source/plugin/csdn123_news/display_picture.php?url=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2F1NswIXMM8qZaLEsVk7Ht4NiaINlnQlqP7UQIQBGPaeX9icx0UibX9x1jWWbkoI7kCmnGFSq9oyJOZia4msO1AiaVJlg%2F640%3Fwx_fmt%3Djpeg" data-type="jpeg" data-w="682" style="vertical-align: middle;width: 465px;height: 301px;"></section></section></section></section></section></section></section></section></section></section><section class="horizontal-tb" powered-by="xiumi.us"><p style="white-space: normal;"><br></p><p style="white-space: normal;"><br></p><p style="white-space: normal;"><br></p></section><section class="horizontal-tb" style="text-align: center;color: rgba(62, 62, 62, 0.1);font-size: 104px;line-height: 1;" powered-by="xiumi.us"><p><strong>Q3</strong></p></section><section class="horizontal-tb" style="font-size: 20px;" powered-by="xiumi.us"><p style="text-align: center;white-space: normal;"><br></p><p style="text-align: center;white-space: normal;"><span style="font-size: 18px;"><strong> 资金保管，保险更具安全性、灵活性 </strong></span><br></p></section><section style="margin-top: 10px;margin-bottom: 10px;text-align: center;" powered-by="xiumi.us"><section style="display: inline-block;width: 90%;border-width: 1px;border-style: solid;border-color: rgba(192, 200, 209, 0.05);padding: 10px;background-color: rgba(239, 239, 239, 0.59);"><section class="horizontal-tb" style="text-align: justify;line-height: 2;font-size: 14px;letter-spacing: 2px;padding-right: 10px;padding-left: 10px;" powered-by="xiumi.us"><p style="white-space: normal;"><span style="color: rgb(199, 182, 140);font-size: 14px;letter-spacing: 2px;background-color: rgba(239, 239, 239, 0.59);">■ </span>有人可能会想，储蓄型保险，我还不如买房子，置办不动产。但这里要给大家分析客观情况，结合我国目前各个城市的房价情况来讲，即使要在三线城市买一套房，也要至少有百万的投入，而且在国家“房住不炒”的发展导向上，全国房价稳定将是趋势，大涨大跌的过山车行情将不会出现。在这种环境下，将大笔资金投入房地产，变为长期负债，实在不是明智之选。相比而言，储蓄型保险产品借款灵活，并具有比其他任何金融产品更强的保障功能，使得资金安全性、灵活性上都有不错的表现，同时强化了家庭和个人在抵御金融风险能力。</p><section powered-by="xiumi.us" style="margin-top: 10px;margin-bottom: -2px;white-space: normal;background-color: rgba(239, 239, 239, 0.59);text-align: left;transform: translate3d(5px, 0px, 0px);font-size: 14px;"><section class="horizontal-tb" style="padding: 0.1em 0.3em;display: inline-block;border-width: 2px;border-style: solid;border-color: rgb(199, 182, 140);background-color: rgb(199, 182, 140);color: rgb(255, 255, 255);line-height: 1.4;"><p><strong>国寿鑫福临门保险产品组合</strong></p></section></section><section powered-by="xiumi.us" style="margin-top: 10px;margin-bottom: 10px;font-size: 16px;text-align: center;white-space: normal;background-color: rgba(239, 239, 239, 0.59);transform: translate3d(5px, 0px, 0px);"><section style="display: inline-block;width: 470.2px;vertical-align: top;box-shadow: rgba(62, 62, 62, 0) 0px 0px 0px;border-color: rgba(62, 62, 62, 0.03);border-width: 1px;border-radius: 0px;border-style: solid;"><section powered-by="xiumi.us" style="margin-top: -5px;margin-bottom: 5px;transform: translate3d(-5px, 0px, 0px);"><section style="display: inline-block;width: 468.2px;vertical-align: top;box-shadow: rgba(62, 62, 62, 0) 0px 0px 0px;background-color: rgba(62, 62, 62, 0);border-color: rgba(62, 62, 62, 0.03);border-width: 1px;border-radius: 0px;border-style: solid;"><p ><img class="rich_pages js_insertlocalimg" data-ratio="0.59375" data-s="300,640" src="https://lymx.com.cn/source/plugin/csdn123_news/display_picture.php?url=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2F1NswIXMM8qZaLEsVk7Ht4NiaINlnQlqP7ic6CpERhFticYbBuG6WNssKySEVIBdcnmCDNWfliblgyvFvhQr8ib6UmhQ%2F640%3Fwx_fmt%3Dpng" data-type="png" data-w="1280" style="width:100%;"></p></section></section></section></section></section></section></section><section class="horizontal-tb" powered-by="xiumi.us"><p style="white-space: normal;"><br></p></section><section style="margin-top: 10px;margin-bottom: 10px;text-align: center;" powered-by="xiumi.us"><section style="display: inline-block;width: 90%;border-width: 1px;border-style: solid;border-color: rgba(192, 200, 209, 0.05);padding: 10px;background-color: rgba(239, 239, 239, 0.59);"><section class="horizontal-tb" style="text-align: justify;line-height: 2;font-size: 14px;letter-spacing: 2px;padding-right: 10px;padding-left: 10px;" powered-by="xiumi.us"><p style="white-space: normal;"><span style="color: rgb(199, 182, 140);font-size: 14px;letter-spacing: 2px;background-color: rgba(239, 239, 239, 0.59);">■ </span>《三国演义》中著名的谋士司马懿曾经说过：“居善地，心善渊，用善时”。储蓄型的保险正是如此，在适当的时候，适当的位置，抓准合适的时机。做为自己人生的掌舵者，一定要懂得选择时机、采用恰当的方式，合理、科学的制定家庭资产规划，并利用保险来增强风险承受能力，为未来做好充分而智慧的准备，更为你的人生奋斗之路保驾护航。</p></section></section></section><section class="horizontal-tb" powered-by="xiumi.us"><p style="white-space: normal;"><br></p></section><section style="text-align: center;margin: 10px 0%;font-size: 13px;" powered-by="xiumi.us"><section style="display: inline-block;width: 90%;vertical-align: top;background-color: rgba(62, 62, 62, 0.42);border-style: solid;border-width: 3px;border-radius: 0px;border-color: rgb(255, 255, 255);padding: 5px 10px;"><section style="" powered-by="xiumi.us"><section style="display: inline-block;min-width: 10%;vertical-align: top;box-shadow: rgb(0, 0, 0) 0px 0px 0px;border-top: 1px solid rgb(255, 255, 255);border-top-left-radius: 0px;"><section class="horizontal-tb" style="font-size: 10px;color: rgb(255, 255, 255);letter-spacing: 0.5px;" powered-by="xiumi.us"><p>本文内容仅供参考，国寿鑫福临门保险产品组合由“国寿鑫福临门年金保险”产品与“国寿鑫尊宝终身寿险（万能型）（庆典版）”产品组合而成。</p><p>特别说明：本产品组合中“国寿鑫尊宝终身寿险（万能型）（庆典版）”产品为万能保险产品，其结算利率超过最低保证利率的部分是不确定的。详情请咨询中国人寿客户服务热线95519或到当地中国人寿营业网点咨询。</p></section></section></section></section></section></section>
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