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保誠保險有限公司 · F00068-04-000 · 3 个版本 · 灵活计划 · 年均加幅 +2.90%
数据注意事项 (1)
性别轴转家族 · 保费结构改变
此系列的保费结构由不分性别改为男女分开（涉及 98 个年龄层）。加幅数字反映结构改变的平均影响，单一性别的实际影响可能大幅偏离均数 — 需参考原 PDF 确认。
男 Male
| 年龄 | F00068-04-000-01 2022-10-03 | F00068-04-000-01 2024-10-01 | F00068-04-000-01 2025-10-01 | 年均加幅 |
|---|---|---|---|---|
| 0 | US$654 | US$686 (+4.9%) | US$744 (+8.5%) | +3.46% |
| 5 | US$446 | US$468 (+4.9%) | US$508 (+8.5%) | +3.49% |
| 10 | US$326 | US$343 (+5.2%) | US$372 (+8.5%) | +3.54% |
| 15 | US$312 | US$327 (+4.8%) | US$355 (+8.6%) | +3.47% |
| 20 | US$367 | US$385 (+4.9%) | US$418 (+8.6%) | +3.49% |
| 25 | US$429 | US$450 (+4.9%) | US$488 (+8.4%) | +3.46% |
| 30 | US$457 | US$480 (+5.0%) | US$521 (+8.5%) | +3.52% |
| 35 | US$525 | US$551 (+5.0%) | US$598 (+8.5%) | +3.50% |
| 40 | US$613 | US$644 (+5.1%) | US$695 (+7.9%) | +3.37% |
| 45 | US$756 | US$794 (+5.0%) | US$857 (+7.9%) | +3.36% |
| 50 | US$959 | US$1,007 (+5.0%) | US$1,087 (+7.9%) | +3.36% |
| 55 | US$1,202 | US$1,262 (+5.0%) | US$1,361 (+7.8%) | +3.33% |
| 60 | — | — | US$1,751 | — |
| 65 | US$2,178 | US$2,287 (+5.0%) | US$2,466 (+7.8%) | +3.33% |
| 70 | US$2,806 | US$2,946 (+5.0%) | US$3,177 (+7.8%) | +3.33% |
| 75 | US$3,522 | US$3,698 (+5.0%) | US$3,987 (+7.8%) | +3.33% |
| 80 | US$4,262 | US$4,475 (+5.0%) | US$4,825 (+7.8%) | +3.33% |
| 85 | US$4,818 | US$5,059 (+5.0%) | US$5,454 (+7.8%) | +3.33% |
| 90 | US$5,388 | US$5,658 (+5.0%) | US$6,100 (+7.8%) | +3.33% |
| 95 | US$5,867 | US$6,160 (+5.0%) | US$6,641 (+7.8%) | +3.32% |
| 99 | US$6,177 | US$6,486 (+5.0%) | US$6,993 (+7.8%) | +3.33% |
| 所有年龄平均 | — | +5.0% | +8.1% | — |
0岁US$654
5岁US$446
10岁US$326
15岁US$312
20岁US$367
25岁US$429
30岁US$457
35岁US$525
40岁US$613
45岁US$756
50岁US$959
55岁US$1,202
60岁—
65岁US$2,178
70岁US$2,806
75岁US$3,522
80岁US$4,262
85岁US$4,818
90岁US$5,388
95岁US$5,867
99岁US$6,177
0岁US$686 (+4.9%)
5岁US$468 (+4.9%)
10岁US$343 (+5.2%)
15岁US$327 (+4.8%)
20岁US$385 (+4.9%)
25岁US$450 (+4.9%)
30岁US$480 (+5.0%)
35岁US$551 (+5.0%)
40岁US$644 (+5.1%)
45岁US$794 (+5.0%)
50岁US$1,007 (+5.0%)
55岁US$1,262 (+5.0%)
60岁—
65岁US$2,287 (+5.0%)
70岁US$2,946 (+5.0%)
75岁US$3,698 (+5.0%)
80岁US$4,475 (+5.0%)
85岁US$5,059 (+5.0%)
90岁US$5,658 (+5.0%)
95岁US$6,160 (+5.0%)
99岁US$6,486 (+5.0%)
0岁US$744 (+8.5%)
5岁US$508 (+8.5%)
10岁US$372 (+8.5%)
15岁US$355 (+8.6%)
20岁US$418 (+8.6%)
25岁US$488 (+8.4%)
30岁US$521 (+8.5%)
35岁US$598 (+8.5%)
40岁US$695 (+7.9%)
45岁US$857 (+7.9%)
50岁US$1,087 (+7.9%)
55岁US$1,361 (+7.8%)
60岁US$1,751
65岁US$2,466 (+7.8%)
70岁US$3,177 (+7.8%)
75岁US$3,987 (+7.8%)
80岁US$4,825 (+7.8%)
85岁US$5,454 (+7.8%)
90岁US$6,100 (+7.8%)
95岁US$6,641 (+7.8%)
99岁US$6,993 (+7.8%)
年均加幅（复息，年期＝今日−最早版本日期）· 计算至 2026-07-02
0岁+3.46%
5岁+3.49%
10岁+3.54%
15岁+3.47%
20岁+3.49%
25岁+3.46%
30岁+3.52%
35岁+3.50%
40岁+3.37%
45岁+3.36%
50岁+3.36%
55岁+3.33%
60岁—
65岁+3.33%
70岁+3.33%
75岁+3.33%
80岁+3.33%
85岁+3.33%
90岁+3.33%
95岁+3.32%
99岁+3.33%
注・资料来源
格子显示保费金额，括号内为相对上一个版本的百分比变化。首个版本只显示基准保费。年均加幅使用复息公式（最新/最早 ^ (1/years) − 1），年期＝今日减最早版本日期。男性／女性矩阵的年均加幅按该性别自身的保费轨迹计算；计划总览显示的年均加幅则为男女两者的平均值。· 计算至 2026-07-02
默认显示 21 个锚点年龄（每 5 岁一格，加上 0 与 99 两端），方便快速浏览整条走势曲线。 右侧「年均加幅」列无论切换与否，均基于全部 100 个年龄计算 — 不会因显示密度而改变。
女 Female
| 年龄 | F00068-04-000-01 2022-10-03 | F00068-04-000-01 2024-10-01 | F00068-04-000-01 2025-10-01 | 年均加幅 |
|---|---|---|---|---|
| 0 | US$654 | US$686 (+4.9%) | US$576 (-16.0%) | -3.30% |
| 5 | US$446 | US$468 (+4.9%) | US$405 (-13.5%) | -2.51% |
| 10 | US$326 | US$343 (+5.2%) | US$304 (-11.4%) | -1.83% |
| 15 | US$312 | US$327 (+4.8%) | US$320 (-2.1%) | +0.67% |
| 20 | US$367 | US$385 (+4.9%) | US$385 | +1.27% |
| 25 | US$429 | US$450 (+4.9%) | US$502 (+11.6%) | +4.23% |
| 30 | US$457 | US$480 (+5.0%) | US$640 (+33.3%) | +9.30% |
| 35 | US$525 | US$551 (+5.0%) | US$776 (+40.8%) | +10.86% |
| 40 | US$613 | US$644 (+5.1%) | US$935 (+45.2%) | +11.79% |
| 45 | US$756 | US$794 (+5.0%) | US$1,119 (+40.9%) | +10.90% |
| 50 | US$959 | US$1,007 (+5.0%) | US$1,278 (+26.9%) | +7.87% |
| 55 | US$1,202 | US$1,262 (+5.0%) | US$1,366 (+8.2%) | +3.43% |
| 60 | — | — | US$1,541 | — |
| 65 | US$2,178 | US$2,287 (+5.0%) | US$2,106 (-7.9%) | -0.88% |
| 70 | US$2,806 | US$2,946 (+5.0%) | US$2,773 (-5.9%) | -0.31% |
| 75 | US$3,522 | US$3,698 (+5.0%) | US$3,416 (-7.6%) | -0.80% |
| 80 | US$4,262 | US$4,475 (+5.0%) | US$4,198 (-6.2%) | -0.40% |
| 85 | US$4,818 | US$5,059 (+5.0%) | US$4,733 (-6.4%) | -0.47% |
| 90 | US$5,388 | US$5,658 (+5.0%) | US$5,225 (-7.7%) | -0.81% |
| 95 | US$5,867 | US$6,160 (+5.0%) | US$5,728 (-7.0%) | -0.63% |
| 99 | US$6,177 | US$6,486 (+5.0%) | US$6,100 (-6.0%) | -0.33% |
| 所有年龄平均 | — | +5.0% | +5.5% | — |
0岁US$654
5岁US$446
10岁US$326
15岁US$312
20岁US$367
25岁US$429
30岁US$457
35岁US$525
40岁US$613
45岁US$756
50岁US$959
55岁US$1,202
60岁—
65岁US$2,178
70岁US$2,806
75岁US$3,522
80岁US$4,262
85岁US$4,818
90岁US$5,388
95岁US$5,867
99岁US$6,177
0岁US$686 (+4.9%)
5岁US$468 (+4.9%)
10岁US$343 (+5.2%)
15岁US$327 (+4.8%)
20岁US$385 (+4.9%)
25岁US$450 (+4.9%)
30岁US$480 (+5.0%)
35岁US$551 (+5.0%)
40岁US$644 (+5.1%)
45岁US$794 (+5.0%)
50岁US$1,007 (+5.0%)
55岁US$1,262 (+5.0%)
60岁—
65岁US$2,287 (+5.0%)
70岁US$2,946 (+5.0%)
75岁US$3,698 (+5.0%)
80岁US$4,475 (+5.0%)
85岁US$5,059 (+5.0%)
90岁US$5,658 (+5.0%)
95岁US$6,160 (+5.0%)
99岁US$6,486 (+5.0%)
0岁US$576 (-16.0%)
5岁US$405 (-13.5%)
10岁US$304 (-11.4%)
15岁US$320 (-2.1%)
20岁US$385
25岁US$502 (+11.6%)
30岁US$640 (+33.3%)
35岁US$776 (+40.8%)
40岁US$935 (+45.2%)
45岁US$1,119 (+40.9%)
50岁US$1,278 (+26.9%)
55岁US$1,366 (+8.2%)
60岁US$1,541
65岁US$2,106 (-7.9%)
70岁US$2,773 (-5.9%)
75岁US$3,416 (-7.6%)
80岁US$4,198 (-6.2%)
85岁US$4,733 (-6.4%)
90岁US$5,225 (-7.7%)
95岁US$5,728 (-7.0%)
99岁US$6,100 (-6.0%)
年均加幅（复息，年期＝今日−最早版本日期）· 计算至 2026-07-02
0岁-3.30%
5岁-2.51%
10岁-1.83%
15岁+0.67%
20岁+1.27%
25岁+4.23%
30岁+9.30%
35岁+10.86%
40岁+11.79%
45岁+10.90%
50岁+7.87%
55岁+3.43%
60岁—
65岁-0.88%
70岁-0.31%
75岁-0.80%
80岁-0.40%
85岁-0.47%
90岁-0.81%
95岁-0.63%
99岁-0.33%
注・资料来源
格子显示保费金额，括号内为相对上一个版本的百分比变化。首个版本只显示基准保费。年均加幅使用复息公式（最新/最早 ^ (1/years) − 1），年期＝今日减最早版本日期。男性／女性矩阵的年均加幅按该性别自身的保费轨迹计算；计划总览显示的年均加幅则为男女两者的平均值。· 计算至 2026-07-02
默认显示 21 个锚点年龄（每 5 岁一格，加上 0 与 99 两端），方便快速浏览整条走势曲线。 右侧「年均加幅」列无论切换与否，均基于全部 100 个年龄计算 — 不会因显示密度而改变。