[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-JP2020120917120252710":3,"related-JP2020120917120252710":31},{"pageSize":4,"id":5,"productLine":6,"status":7,"articleCode":8,"articleType":9,"showStyle":7,"mediaType":10,"fileInputUrl":11,"articleTitle":12,"coverImage":13,"listImage":14,"introduction":15,"description":16,"nonVipDescription":11,"postTime":17,"viewTime":17,"sortNumber":18,"isFree":19,"isShowList":7,"isRecommend":19,"linkType":7,"isOriginal":6,"hasMiniUrl":19,"hasAdvertising":19,"createBy":20,"updateBy":20,"createTime":21,"visitCount":22,"isLiked":19,"realSearch":23,"isRead":19,"productId":24,"isCollected":19,"collectCount":19,"vipExclusive":19,"allowComment":7,"style":25,"canCopy":19,"likeCount":19,"duration":19,"playStyle":7,"seoKeywords":26,"articleModuleVoList":27,"extendContentList":28,"noteCount":19,"categoryList":29,"dailyKeywordList":30},10,2857,"1",1,"JP2020120917120252710","1041019",3,"","后悔，买了分红型的养老保险，要不要退保？","https:\u002F\u002Fimage.jane7.com\u002Ffa0943b8-35c7-4de9-9cd8-0e7b25cb1ca6.jpeg","https:\u002F\u002Fimage.jane7.com\u002Fb36abd0b-4fb4-4501-92d6-c25bc632f74e.jpeg","教你把退保损失降到最低","\u003Csection>\n \u003Csection>\n  \u003Cp style=\"text-align:justify; line-height: 2em; margin-left: 16px; margin-right: 16px;\">\u003Cspan style=\"font-size: 16px;\">\u003Cspan style=\"caret-color: red;\">前几天，有粉丝在公众号里留言说：\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: #000000; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp>\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify; line-height: 2em; margin-left: 16px; margin-right: 16px;\">\u003Cspan style=\"color: #000000; font-size: 16px;\">家中老人听信销售谎话买了\u003Cspan style=\"text-decoration: underline; color: #000000; font-size: 16px;\">分红型的养老保险\u003C\u002Fspan>，每年保费\u003Cspan style=\"text-decoration: underline; color: #000000; font-size: 16px;\">高达4万\u003C\u002Fspan>，不知道该怎样处理，退保的话已经交了好多年了，不退保的话每年保费很贵。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Csection>\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify; line-height: 2em; margin-left: 16px; margin-right: 16px;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: #000000; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">退保的时候，一般\u003Cstrong>只能退回保单的现金价值\u003C\u002Fstrong>。如果已经交费比较久（比如20年已经交了8、9年），中途退保损失可能比较大。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify; line-height: 2em; margin-left: 16px; margin-right: 16px;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: #000000; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">到底怎么办呢？这种时候，我会建议你再算一算。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify; line-height: 2em; margin-left: 16px; margin-right: 16px;\">\u003Cspan style=\"color: #000000; font-size: 16px;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: #000000; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">首先，这份保险更偏理财保险，保障类的属性一般比较弱，所以可以\u003C\u002Fspan> \u003Cstrong style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: #000000; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">作为保本型的理财来考虑，把它和保障型产品的预算分开看。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify; line-height: 2em; margin-left: 16px; margin-right: 16px;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: #000000; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">很多老的理财保险，约定的收益并不差（毕竟二、三十年前，还是一个高息时代）。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify; line-height: 2em; margin-left: 16px; margin-right: 16px;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: #000000; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">如果看看条款，觉得以后能领的钱还不错，可以考虑作为安全的理财，继续交费保留。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify; line-height: 2em; margin-left: 16px; margin-right: 16px;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: #000000; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">如果收益确实非常差，还不如直接退保、用退回来的钱+接下来要交的钱单独投资，那么可以考虑退保。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify; line-height: 2em; margin-left: 16px; margin-right: 16px;\">\u003Cspan style=\"color: #000000; font-size: 16px;\">\u003Cstrong style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: #000000; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">有朋友很关心，如果是保障型的保险，交了这么久，改怎么取舍呢？\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify; line-height: 2em; margin-left: 16px; margin-right: 16px;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: #000000; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">这个时候也是要算，重点算退保和不退保两种情况下的“差价”。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify; line-height: 2em; margin-left: 16px; margin-right: 16px;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: #000000; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">举个例子，比如老的重疾只有20万，但很贵。如果你想有50万重疾，这时候你有2个选择：\u003C\u002Fspan>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Cp style=\"text-align:justify; line-height: 2em; margin-left: 16px; margin-right: 16px;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: #000000; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">1）留着老的，再买30万新产品\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify; line-height: 2em; margin-left: 16px; margin-right: 16px;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: #000000; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">你的总开支=老产品剩下的保费+30万新加产品的保费\u003C\u002Fspan>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Cp style=\"text-align:justify; line-height: 2em; margin-left: 16px; margin-right: 16px;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: #000000; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">2）退掉老的，买50万新产品\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify; line-height: 2em; margin-left: 16px; margin-right: 16px;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: #000000; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">你的总开支=50万新加产品的保费-退保拿回来的钱\u003C\u002Fspan>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify; line-height: 2em; margin-left: 16px; margin-right: 16px;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: #000000; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">这个算法还是比较粗略的，因为没有考虑时间价值。但先粗略算算，大致能让我们心里有个判断，怎么做更合适。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Cp style=\"text-align:justify; line-height: 2em; margin-left: 16px; margin-right: 16px;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: #000000; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">此外，如果老产品的保费让家里财务负担很大，已经无力投保新产品，还是优先考虑退保，接受沉没成本的损失。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify; line-height: 2em; margin-left: 16px; margin-right: 16px;\">\u003Cspan style=\"letter-spacing: 0.544px; text-align: justify; background-color: rgb(255, 255, 255); margin: 0px; padding: 0px; max-width: 100%; color: rgb(0, 0, 0); font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">具体问题具体解决，\u003Cstrong style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(51, 51, 51); font-size: 17px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">如果你需要帮助，欢迎扫码加助手免费1对1答疑解惑。\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp>\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify; line-height: 2em; margin-left: 16px; margin-right: 16px;\">\u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002F9e9198d4-6006-4556-91ec-9fa8360c0cf3.jpg\" title=\"\" alt=\"\">\u003C\u002Fp>\n \u003C\u002Fsection>\n\u003C\u002Fsection>","2020-12-09 17:10:33",100,0,"zhanglizi@jane7.com","2020-12-09 17:12:02",6,false,8539,"1038002","保险,保障,分红,养老保险,退保",[],[],[],[],[32,44,53,60],{"pageSize":4,"articleWikiId":33,"wikiName":34,"articleCode":35,"locationType":36,"sortNumber":37,"articleTitle":38,"introduction":39,"coverImage":40,"likeCount":19,"realSearch":23,"createTime":41,"seoUrl":42,"seoKeywords":43},95,"保险知识","JP2020061918353644287",2,20200619,"用1000万保单，顶30万彩礼，这能行吗？","这1000万的保障，到底对女方有什么实在的好处？一起来聊聊~","https:\u002F\u002Fimage.jane7.com\u002F07d4fcb3-81ee-42b5-9a58-410c74054eda.png","2020-06-19 18:35:36","https:\u002F\u002Fwww.jane7.com\u002Farticle-financing-JP2020061918353644287-95.html","保险",{"pageSize":4,"articleWikiId":33,"wikiName":34,"articleCode":45,"locationType":36,"sortNumber":46,"articleTitle":47,"introduction":48,"coverImage":49,"likeCount":19,"realSearch":23,"createTime":50,"seoUrl":51,"seoKeywords":52},"JP2020120916400752702",20201209,"去医院看病，怎样才能少花钱？","聊聊医保的报销规则，以及如何让报销的钱更多~","https:\u002F\u002Fimage.jane7.com\u002Fc4903591-5dea-4ca5-896c-fde01c0f582b.jpeg","2020-12-09 16:40:07","https:\u002F\u002Fwww.jane7.com\u002Farticle-financing-JP2020120916400752702-95.html","社保,医保,医保报销",{"pageSize":4,"articleWikiId":33,"wikiName":34,"articleCode":54,"locationType":36,"sortNumber":37,"articleTitle":55,"introduction":56,"coverImage":57,"likeCount":19,"realSearch":23,"createTime":58,"seoUrl":59,"seoKeywords":43},"JP2020061918403878913","买完保险后，有哪些注意事项？这1点不能忽视","投保后非常关键的一件事，就是进行保单管理！一起来看看~","https:\u002F\u002Fimage.jane7.com\u002F45eb7c4f-fc09-4aff-81b2-b379c8cd63d4.png","2020-06-19 18:40:38","https:\u002F\u002Fwww.jane7.com\u002Farticle-financing-JP2020061918403878913-95.html",{"pageSize":4,"articleWikiId":33,"wikiName":34,"articleCode":61,"locationType":36,"sortNumber":62,"articleTitle":63,"introduction":64,"coverImage":65,"likeCount":19,"realSearch":23,"createTime":66,"seoUrl":67,"seoKeywords":68},"JP2020112700155007277",20201127,"49元保200万，火爆全国的惠民保值得买吗？","超2500万人参保的惠民保，到底好不好？一起来看看~","https:\u002F\u002Fimage.jane7.com\u002F5057d95a-b461-405d-aad8-14cdddac7d22.png","2020-11-27 00:15:50","https:\u002F\u002Fwww.jane7.com\u002Farticle-financing-JP2020112700155007277-95.html","保险,惠民保,医疗"]