人保寿险尊赢人生条款 中国人保寿险尊赢人生
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不应该。
2017年保监会134号文件规定：两全保险产品、年金保险产品，首次生存保险金给付应在保单生效满5年之后，且每年给付或部分领取比例不得超过已交保险费的20%。即保险公司设计的年金险产品，必须在交满5年之后才可以返还生存金。保险公司不得以附加险形式设计万能型保险产品或投资连结型保险产品。
人保寿尊赢人生最大的调整就是首次年金返还在保单生效5年后，符合文件规定。应该是2017年10月1日，附加万能账户的理财保险产品将退出保险市场。
扩展阅读：【保险】怎么买，哪个好，手把手教你避开保险的这些"坑"
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