If the insured amount is 25,000 yuan, then the annual premium is 9,260 yuan, 5,000 yuan for three years in high school and 4 years in college 10000 yuan. At the age of 25, the insured amount will be returned in one lump sum and the contract will be terminated. Specific needs, see your own needs.

Hongyun and Cai Ying are two types of insurance, both of which are children's education insurance. Fortune is a compulsory deposit of special funds.

According to the age of children, the amount of income depends on their own needs. This insurance can only be purchased by children aged 0- 10. The money will last for eight years until the child is 25 years old. Take the insured amount of 50,000 yuan as an example. The first amount starts from 65,438+05.16.17 years old, with an annual quota of 65,438+00,000 yuan and a three-year quota of 30,000 yuan. 18.-2 1 20,000 per year after age and 80,000 per year after four years. Fifty thousand dollars, twenty-five thousand dollars. This is mainly an education fund, which guarantees children to pay tuition fees, not investment. If you expect high returns, you don't have to consider it. Generally, parents who want to make reserves in advance will buy them. The total amount is 6,543,800 yuan+6,000 yuan, which is fixed and will be clearly stated in the contract.

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How about Hongyun Cai Ying Insurance? What are the advantages and disadvantages?

Hongyun Cai ying all-round edition

A policy, comprehensive protection.

It covers education, serious illness, medical care and exemption, and solves the insurance demand in the growing period in one stop.

Double collection, intimate protection

After the death of the insured, the growth care fund, education care fund, academic success fund and family establishment fund are doubled.

Growth education, long-term contact

Pay 3% annual growth care fund, 15-24 years old pay 30% annual education care fund, 18, 2 1 24 years old pay an extra 30% annual academic success fund, and pay 100% annual marriage fund at the age of 30.

Tiger Mother chooses 40,000 main insurance annuity for 0-year-old boy, plus 400,000 critical illness insurance premium. The monthly premium is 65,438+07,265,438+0 yuan, and the total payment is 65,438+00. Every child can get 1.200 yuan's growing care.

Tiger mother died unfortunately when her child was 1 1, so the remaining growth care fund became 2400 yuan every year;

Children in 15-24 years of age can receive 24,000 yuan of education care every year;

18, 2 1, 24-year-old children can get an extra 24,000 yuan a year because of their successful studies;

If the child is unfortunate enough to get leukemia at the age of 20, he will pay 800,000 yuan in one lump sum without an invoice.

In the case of active treatment, children can survive safely to the 30th anniversary of the insurance policy, and can receive a one-time family payment of 80,000 yuan.

Insurance age

0- 14 years old (0 years old means 28 days of birth)

Basic insurance coverage

65438+100,000 yuan-200,000 yuan multiple grades

payment types/methods

Monthly/annual payment

prompt

/kloc-0 0 year

warranty period

By the age of 30

Only a few senior account managers have the right to sell.