主流增額壽對比表

保險(xiǎn)公司,,,富德生命,,中意人壽,,光大永明,,太保壽險(xiǎn),,和泰人壽,,和泰人壽,,弘康人壽,復(fù)星聯(lián)合,

產(chǎn)品名稱,,,康乾3號·瑞祥人生,,永續(xù)我愛（尊享版）,,光明至尊（慶典版）,,鑫相伴（尊享版）,,增多多3號泰山版/鑫享盈2022,,和泰鑫享福/樂滿滿2號蓬萊版,,金玉滿堂2.0,福星高照,

注冊資本金,,,117.52億元,,37億元,,54億元,,86.28億元,,15億元,,15億元,,10億元,50億元,

綜合償付能力,,,103.00%（2021Q4）,,177.11%(2022Q4),,167.63%(2022Q4),,218%(2022Q4),,153.98%(2022Q4),,153.98%(2022Q4),,125.45%（2022Q4）,112.02%(2022Q4),

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回本年度,,,第6年度末,,第5年度末,,第6年度末,,第8年度末,,第9年度末,,第9年度末,,第6年度末,第5年度末,

首年現(xiàn)價(jià)率,,,40.620%,,56.475%,,40.122%,,23.700%,,33.953%,,33.769%,,39.130%,44.000%,

自定義年度,25,,可更改左側(cè)年度，以查看不同保單年度的利益情況,,,,,,,,,,,,,,

年度現(xiàn)金價(jià)值,,,"1,078,820",6,"997,580",22,"1,030,063",24,"1,045,700",28,"1,094,265",30,"1,088,187",32,"1,085,870","1,037,200",18

年度IRR,,,3.395%,700.000%,3.045%,2300.000%,3.188%,2500.000%,3.255%,2900.000%,3.459%,3100.000%,3.434%,3300.000%,3.424%,3.219%,1900.000%

現(xiàn)金價(jià)值/已交保費(fèi),,,215.764%,50000000.000%,199.516%,50000000.000%,206.013%,50000000.000%,209.140%,50000000.000%,218.853%,50000000.000%,217.637%,50000000.000%,217.174%,207.440%,50000000.000%

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保單年度,年末年齡,現(xiàn)金流,年末現(xiàn)價(jià),復(fù)利%,年末現(xiàn)價(jià),復(fù)利%,年末現(xiàn)價(jià),復(fù)利%,年末現(xiàn)價(jià),復(fù)利%,年末現(xiàn)價(jià),復(fù)利%,年末現(xiàn)價(jià),復(fù)利%,年末現(xiàn)價(jià),年末現(xiàn)價(jià),復(fù)利%

1,31,-100000,"40,620",-59.3800%,"56,475",-43.5254%,"40,122",-59.8780%,"23,700",-76.3000%,"33,953",-66.0470%,"33,769",-66.2310%,"39,130","44,000",-56.0000%

2,32,-100000,"105,630",-35.7065%,"150,385",-17.5669%,"104,351",-36.2674%,"67,100",-54.0313%,"88,309",-43.5533%,"87,830",-43.7785%,"101,790","113,600",-32.2715%

3,33,-100000,"199,030",-19.1580%,"255,908",-7.7404%,"196,635",-19.6833%,"136,600",#NUM!,"166,400",-26.7030%,"165,498",-26.9246%,"191,830","212,400",-16.2989%

4,34,-100000,"338,400",-6.5788%,"373,532",-2.7198%,"334,316",-7.0479%,"249,500",-18.0130%,"282,902",-13.3846%,"281,371",-13.5869%,"326,140","358,800",-4.3010%

5,35,-100000,"496,100",-0.2609%,"503,861",0.2565%,"490,121",-0.6645%,"390,100",-8.1624%,"414,721",-6.1699%,"412,476",-6.3472%,"478,150","521,700",1.4195%

6,36,0,"520,010",0.9834%,"521,165",1.0391%,"516,818",0.8288%,"431,900",-3.6271%,"437,236",-3.3254%,"434,863",-3.4592%,"504,260","539,900",1.9286%

7,37,0,"545,090",1.7358%,"539,072",1.5116%,"544,989",1.7321%,"476,100",-0.9767%,"460,987",-1.6169%,"458,478",-1.7249%,"531,820","558,700",2.2349%

8,38,0,"571,420",2.2418%,"557,621",1.8289%,"574,718",2.3392%,"522,900",0.7482%,"486,042",-0.4711%,"483,390",-0.5620%,"560,890","578,200",2.4415%

9,39,0,"599,050",2.6059%,"576,810",2.0564%,"594,596",2.4973%,"572,300",1.9427%,"512,477",0.3526%,"509,674",0.2740%,"591,580","598,400",2.5901%

10,40,0,"628,060",2.8810%,"596,640",2.2272%,"615,175",2.6165%,"624,600",2.8105%,"540,369",0.9741%,"537,405",0.9049%,"623,960","619,200",2.6997%

11,41,0,"658,510",3.0963%,"617,224",2.3617%,"636,481",2.7097%,"646,100",2.8800%,"569,802",1.4602%,"566,669",1.3983%,"658,130","640,800",2.7865%

12,42,0,"681,490",3.1354%,"638,487",2.4690%,"658,684",2.7869%,"668,700",2.9413%,"600,995",1.8534%,"597,682",1.7973%,"694,310","663,200",2.8568%

13,43,0,"705,330",3.1681%,"660,730",2.5604%,"681,692",2.8506%,"692,000",2.9903%,"633,918",2.1765%,"630,421",2.1253%,"718,610","686,400",2.9146%

14,44,0,"730,060",3.1961%,"683,803",2.6374%,"705,540",2.9042%,"716,300",3.0334%,"668,652",2.4467%,"664,961",2.3997%,"743,760","710,500",2.9640%

15,45,0,"755,740",3.2207%,"707,704",2.7029%,"730,234",2.9497%,"741,300",3.0683%,"705,301",2.6761%,"701,405",2.6325%,"769,790","735,300",3.0042%

16,46,0,"782,410",3.2426%,"732,436",2.7590%,"755,792",2.9887%,"767,300",3.0995%,"743,973",2.8733%,"739,860",2.8328%,"796,730","761,100",3.0400%

17,47,0,"810,140",3.2625%,"758,034",2.8077%,"782,245",3.0226%,"794,100",3.1255%,"784,784",3.0448%,"780,443",3.0068%,"824,620","787,700",3.0702%

18,48,0,"838,980",3.2810%,"784,537",2.8505%,"809,623",3.0523%,"821,900",3.1489%,"827,859",3.1953%,"823,278",3.1596%,"853,480","815,300",3.0971%

19,49,0,"869,020",3.2986%,"811,945",2.8881%,"837,959",3.0784%,"850,700",3.1697%,"873,332",3.3285%,"868,496",3.2949%,"883,350","843,800",3.1204%

20,50,0,"900,310",3.3153%,"840,295",2.9214%,"867,288",3.1017%,"880,500",3.1881%,"921,344",3.4474%,"916,240",3.4156%,"914,270","873,300",3.1412%

21,51,0,"932,940",3.3314%,"869,664",2.9514%,"897,642",3.1226%,"911,300",3.2043%,"953,591",3.4502%,"948,305",3.4200%,"946,270","903,900",3.1602%

22,52,0,"967,010",3.3474%,"900,012",2.9782%,"929,059",3.1414%,"943,200",3.2191%,"986,966",3.4526%,"981,492",3.4240%,"979,390","935,500",3.1769%

23,53,0,"1,002,610",3.3632%,"931,454",3.0026%,"961,576",3.1584%,"976,200",3.2323%,"1,021,509",3.4549%,"1,015,841",3.4276%,"1,013,670","968,300",3.1925%

24,54,0,"1,039,850",3.3791%,"963,951",3.0246%,"995,231",3.1738%,"1,010,400",3.2446%,"1,057,262",3.4569%,"1,051,392",3.4308%,"1,049,150","1,002,200",3.2065%

25,55,0,"1,078,820",3.3951%,"997,580",3.0447%,"1,030,063",3.1879%,"1,045,700",3.2554%,"1,094,265",3.4588%,"1,088,187",3.4338%,"1,085,870","1,037,200",3.2188%

26,56,0,"1,119,660",3.4113%,"1,032,377",3.0631%,"1,066,114",3.2009%,"1,082,300",3.2655%,"1,132,564",3.4605%,"1,126,270",3.4366%,"1,123,870","1,073,500",3.2305%

27,57,0,"1,162,500",3.4278%,"1,068,380",3.0800%,"1,103,428",3.2128%,"1,120,200",3.2749%,"1,172,203",3.4621%,"1,165,686",3.4391%,"1,163,210","1,111,100",3.2413%

28,58,0,"1,207,480",3.4447%,"1,105,666",3.0957%,"1,142,047",3.2238%,"1,159,400",3.2835%,"1,213,229",3.4635%,"1,206,481",3.4414%,"1,203,920","1,150,000",3.2513%

29,59,0,"1,254,800",3.4622%,"1,144,195",3.1100%,"1,182,018",3.2340%,"1,200,000",3.2916%,"1,255,691",3.4649%,"1,248,704",3.4435%,"1,246,060","1,190,200",3.2603%

30,60,0,"1,304,700",3.4804%,"1,184,082",3.1234%,"1,223,387",3.2435%,"1,242,000",3.2990%,"1,299,639",3.4661%,"1,292,405",3.4455%,"1,289,670","1,231,900",3.2690%

31,61,0,"1,350,360",3.4811%,"1,225,325",3.1357%,"1,266,205",3.2523%,"1,285,400",3.3057%,"1,345,125",3.4673%,"1,337,635",3.4474%,"1,334,810","1,275,000",3.2769%

32,62,0,"1,397,620",3.4817%,"1,267,964",3.1472%,"1,310,520",3.2605%,"1,330,400",3.3122%,"1,392,203",3.4684%,"1,384,448",3.4491%,"1,381,530","1,319,600",3.2842%

33,63,0,"1,446,540",3.4823%,"1,312,111",3.1579%,"1,356,387",3.2682%,"1,377,000",3.3183%,"1,440,928",3.4694%,"1,432,899",3.4508%,"1,429,880","1,365,800",3.2912%

34,64,0,"1,497,170",3.4829%,"1,357,728",3.1679%,"1,403,859",3.2754%,"1,425,200",3.3240%,"1,491,359",3.4703%,"1,483,046",3.4523%,"1,479,930","1,413,600",3.2977%

35,65,0,"1,549,570",3.4834%,"1,404,928",3.1772%,"1,452,992",3.2822%,"1,475,100",3.3294%,"1,543,554",3.4712%,"1,534,947",3.4537%,"1,531,720","1,463,100",3.3039%

36,66,0,"1,603,810",3.4839%,"1,453,712",3.1858%,"1,503,845",3.2886%,"1,526,700",3.3343%,"1,597,576",3.4721%,"1,588,665",3.4551%,"1,585,330","1,514,300",3.3096%

37,67,0,"1,659,940",3.4843%,"1,504,155",3.1939%,"1,556,477",3.2946%,"1,580,100",3.3390%,"1,653,488",3.4729%,"1,644,263",3.4563%,"1,640,820","1,567,300",3.3150%

38,68,0,"1,718,040",3.4848%,"1,556,256",3.2014%,"1,610,951",3.3003%,"1,635,400",3.3434%,"1,711,357",3.4736%,"1,701,805",3.4575%,"1,698,250","1,622,200",3.3202%

39,69,0,"1,778,170",3.4852%,"1,610,129",3.2084%,"1,667,332",3.3057%,"1,692,600",3.3476%,"1,771,251",3.4743%,"1,761,362",3.4587%,"1,757,690","1,679,000",3.3251%

40,70,0,"1,840,400",3.4856%,"1,665,775",3.2149%,"1,725,685",3.3108%,"1,751,900",3.3517%,"1,833,240",3.4750%,"1,823,002",3.4598%,"1,819,210","1,737,800",3.3297%

41,71,0,"1,904,820",3.4859%,"1,723,267",3.2209%,"1,786,080",3.3156%,"1,813,200",3.3555%,"1,897,398",3.4756%,"1,886,799",3.4608%,"1,882,880","1,798,600",3.3341%

42,72,0,"1,971,490",3.4863%,"1,782,607",3.2265%,"1,848,589",3.3202%,"1,876,600",3.3590%,"1,963,800",3.4762%,"1,952,828",3.4617%,"1,948,780","1,861,600",3.3383%

43,73,0,"2,040,490",3.4866%,"1,843,869",3.2316%,"1,913,284",3.3246%,"1,942,300",3.3624%,"2,032,526",3.4768%,"2,021,166",3.4627%,"2,016,990","1,926,900",3.3424%

44,74,0,"2,111,910",3.4870%,"1,907,130",3.2363%,"1,980,243",3.3287%,"2,010,300",3.3657%,"2,103,656",3.4773%,"2,091,896",3.4635%,"2,087,580","1,994,500",3.3463%

45,75,0,"2,185,820",3.4872%,"1,972,389",3.2406%,"2,049,544",3.3327%,"2,080,600",3.3688%,"2,177,274",3.4778%,"2,165,099",3.4644%,"2,160,650","2,064,500",3.3501%

46,76,0,"2,262,330",3.4875%,"2,039,683",3.2445%,"2,121,268",3.3365%,"2,153,400",3.3717%,"2,253,466",3.4783%,"2,240,863",3.4652%,"2,236,270","2,137,000",3.3538%

47,77,0,"2,341,510",3.4878%,"2,109,089",3.2480%,"2,195,501",3.3401%,"2,228,800",3.3746%,"2,332,324",3.4788%,"2,319,277",3.4659%,"2,314,540","2,212,200",3.3575%

48,78,0,"2,423,460",3.4881%,"2,180,606",3.2511%,"2,272,330",3.3435%,"2,306,800",3.3773%,"2,413,940",3.4792%,"2,400,433",3.4666%,"2,395,550","2,290,000",3.3609%

49,79,0,"2,508,280",3.4883%,"2,254,309",3.2539%,"2,351,845",3.3468%,"2,387,500",3.3799%,"2,498,410",3.4797%,"2,484,428",3.4673%,"2,479,390","2,370,700",3.3644%

50,80,0,"2,596,070",3.4886%,"2,330,199",3.2562%,"2,434,139",3.3500%,"2,471,000",3.3823%,"2,585,834",3.4801%,"2,571,360",3.4680%,"2,566,170","2,454,200",3.3677%

51,81,0,"2,686,930",3.4888%,"2,408,314",3.2582%,"2,519,311",3.3530%,"2,557,500",3.3847%,"2,676,315",3.4805%,"2,661,331",3.4686%,"2,655,990","2,540,500",3.3707%

52,82,0,"2,780,980",3.4890%,"2,488,690",3.2598%,"2,607,459",3.3560%,"2,647,000",3.3870%,"2,769,959",3.4808%,"2,754,448",3.4692%,"2,748,950","2,629,900",3.3736%

53,83,0,"2,878,310",3.4892%,"2,571,329",3.2609%,"2,698,688",3.3587%,"2,739,600",3.3892%,"2,866,877",3.4812%,"2,850,820",3.4698%,"2,845,160","2,722,200",3.3763%

54,84,0,"2,979,050",3.4895%,"2,656,267",3.2618%,"2,793,104",3.3614%,"2,835,400",3.3913%,"2,967,183",3.4815%,"2,950,561",3.4704%,"2,944,740","2,817,800",3.3789%

55,85,0,"3,083,320",3.4897%,"2,743,504",3.2622%,"2,890,820",3.3640%,"2,934,600",3.3933%,"3,070,994",3.4818%,"3,053,788",3.4709%,"3,047,810","2,916,700",3.3814%

56,86,0,"3,191,230",3.4898%,"2,833,042",3.2622%,"2,991,949",3.3665%,"3,037,200",3.3952%,"3,178,434",3.4822%,"3,160,622",3.4714%,"3,154,480","3,019,000",3.3837%

57,87,0,"3,302,930",3.4900%,"2,924,879",3.2618%,"3,096,611",3.3689%,"3,143,500",3.3971%,"3,289,627",3.4824%,"3,271,190",3.4719%,"3,264,890","3,124,900",3.3860%

58,88,0,"3,418,530",3.4902%,"3,019,016",3.2611%,"3,204,928",3.3712%,"3,253,400",3.3989%,"3,404,705",3.4827%,"3,385,620",3.4724%,"3,379,160","3,234,500",3.3881%

59,89,0,"3,538,180",3.4904%,"3,115,415",3.2599%,"3,317,028",3.3734%,"3,367,200",3.4006%,"3,523,804",3.4830%,"3,504,048",3.4728%,"3,497,430","3,348,000",3.3902%

60,90,0,"3,662,020",3.4905%,"3,214,038",3.2582%,"3,433,042",3.3755%,"3,484,900",3.4022%,"3,647,061",3.4833%,"3,626,611",3.4732%,"3,619,840","3,465,500",3.3923%

61,91,0,"3,790,190",3.4907%,"3,314,810",3.2562%,"3,553,105",3.3776%,"3,606,800",3.4038%,"3,774,623",3.4835%,"3,753,454",3.4736%,"3,746,530","3,587,000",3.3942%

62,92,0,"3,922,840",3.4909%,"3,417,656",3.2536%,"3,677,358",3.3796%,"3,732,900",3.4054%,"3,906,637",3.4837%,"3,884,725",3.4740%,"3,877,660","3,712,700",3.3960%

63,93,0,"4,060,140",3.4910%,"3,522,537",3.2506%,"3,805,945",3.3815%,"3,863,400",3.