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　引言你是否曾经在保险产品的海洋中迷失方向，面对分红险和年金险时感到困惑？这两种保险究竟有何不同，又各自适合怎样的投保人呢？本文将带你一探究竟，解答你心中的疑问，帮助你在保险选择之路上更加明晰。一. 分

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