Text/food guide
Education grant is a kind of savings insurance, which aims to prepare education fund for children. Children and education are the eternal focus of China people, and paying attention to economy is a fine tradition of China people since ancient times.
So I consulted the national food security these days. Can the education fund buy many vegetable friends?
Let's start with the conclusion, huh? Everyone is guaranteed? There is no routine for annuity insurance, and the actual annualized rate is about 3.3%. If you have a demand and can accept this annualized rate, you can consider buying it.
Different from the previous annuity insurance, this national insurance? The education fund is relatively simple, with no dividends and no universal account.
Children from 30 days to 13 can buy it, and after insurance, they can receive education funds in two time periods.
18 to 2 1 year-old, receive 8% of the insured amount every year, and receive 68% of the insured amount at the age of 22.
The biggest advantage of this product is transparent and clear, and there are few moths.
The insurance page has four academic labels: key undergraduate, general undergraduate, master and overseas undergraduate.
Each label has a corresponding approximate education cost and how much premium should be paid in each payment cycle.
The payment period is very flexible, and you can choose three ways: weekly, monthly and once.
The payment period can be 3 years, 5 years, 10 years, and children can be 13 years.
You can also choose your own investment.
As long as the child's date of birth, investment amount, payment period and payment period are entered, the accumulated education grant can be calculated immediately.
From 18 to 2 1, it is also clear at a glance how much money you can get every year and how much you can get at the age of 22.
The yield of different age groups is slightly different, generally around 3.3%.
This income is certain, as long as you pay it on time, there will be.
In addition, if you die before 18 years old, you will be refunded a larger total premium or cash value, and if you die after 18 years old, you can receive the total education grant in one lump sum.
This is universal coverage? Basic situation of education grant.
It is a rare annuity insurance, with easy-to-understand rules and no tricks. You can completely understand it as a fool's time deposit.
On the whole, there is not much surprise and no routine in the national security education fund. Very sincere, the income is ok, and there are related needs to buy.
Food insurance reminds you not to reverse the priority order, but to complete the four major types of insurance first, namely, critical illness insurance, life insurance, medical insurance and accident insurance, and then consider buying education funds after determining the basic guarantee.
Another thing to note is that you don't look at national insurance? The weekly premium of the education fund is not much, and I immediately insured it as soon as my brain was hot. That's only a week's premium, and it's still a lot of money in a few years ~
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