Raising one child is a big problem, so raising three doesn't have to break down?

Today, my senior brought a product to my friends-Taikang Baoyu Children's Annuity Insurance, which includes children's growth care fund and education fund! It is a good measure to deal with the three-child policy ~

Regarding the children's annuity insurance, you'd better know this article first: "Is the value of the children's annuity insurance worth buying? How to choose the right product? 》

Time is so precious, senior, let's make a comprehensive comparison and analysis. If you want to know the answer, read on!

1. Is the income of Taikang Baoyu Children's Annuity Insurance considerable?

As usual, senior first showed the product map of Taikang Baoyu Children's Annuity Insurance:

Next, I will learn about the guarantee responsibility of Taikang Baoyu Children's Annuity Insurance with my senior sister. For example, Lao Li insured a 0-year-old baby for Baoyu children, with an annual premium of 50,000 yuan and a five-year basic insurance amount of 9,650 yuan.

1, Growth Care Fund

As soon as the three-child policy is liberalized, in everyone's view, raising a child is so expensive that one child is enough. If you have to raise three children, the salary now is definitely not enough!

No, Taikang Baoyu Children's Annuity Insurance has set up a growth care fund intimately. After the contract comes into effect for 5 years, the basic insurance amount will be paid every year as the growth care fund.

From the sixth year, Lao Li's baby can receive 9650 yuan of growth care money every year, and the money for kindergarten is completely enough!

2. University education grant?

Under the background of the three-child policy, the first thing that comes to mind is the children's education fund. But a child needs at least 1.5 million (public colleges and universities) every year, which will also cause economic pressure on ordinary families!

In order to solve this problem, Taikang Baoyu Children's Annuity Insurance attaches the guarantee responsibility of university education fund, provided that the age is 18, 19, 20, 2 1 one year old, and then from the sixth year when the policy takes effect, twice the basic insurance amount paid each year will become university education fund.

In other words, Lao Li's baby will receive a college education grant of 19300 yuan every year for the next four years, which not only ensures the education cost, but also reduces the economic pressure of the family, killing two birds with one stone!

Step 3 get married and start a career

When the child reaches the age of 28, Taikang Baoyu Children's Annuity Insurance will pay 10 times the basic insurance amount as a family fund, that is, there is a family fund of 96,500 yuan to help the child buy a house or a car, or use it as a career fund to help the child start a new life!

As mentioned earlier, Lao Li's Taikang Baoyu Children's Annuity Insurance for the 0-year-old baby won 299 150 yuan when the baby was 28 years old.

Friends will know that the income of Taikang Baoyu Children's Annuity Insurance is not too high, which is very confusing!

The protection of children is almost poor. Don't panic. Senior sister just takes Taikang Baoyu Children's Annuity Insurance as an example to give you a careful analysis of the three-child policy. Buying children's annuity insurance can easily solve your parents' problems!

What high-yield financial insurance are there in the market? Take a look at this list and you will know: "These ten financial insurances include high-yield financial insurance! 》

The above lists many excellent annuity insurance products, and many friends may be dazzled! No, the intimate senior is about to choose one for everyone to analyze. Let's learn how high the return of this patron saint of love life is!

2. What are the advantages of Taikang Baoyu Children's Annuity Insurance over caring for the patron saint of life?

Don't say so much, please browse this product map of caring for the patron saint of life:

The patron saint of caring for life recommended by senior sister is different from children's annuity insurance, which includes insurance benefits such as education fund and growth fund.

The most outstanding point of this product is that the insured amount will increase with compound interest at the rate of 3.6% per year. Many insurances are confused. Can you still be insured without the guarantee responsibility such as education fund and growth fund?

As we all know, children have no ability to make money, and all the expenses come from their parents!

Is there a rule that only children can buy financial insurance?

Not necessarily, the return of adults on their investment can be used for children's education and entrepreneurship.

If Lao Wang is insured as the patron saint of caring for life at the age of 30 and chooses to pay 10, he needs to pay 65,438+10,000 yuan every year. What is his income?

The income calculus diagram tells us that we are in 1 1 year, and Lao Wang is 40 years old. On the patron saint of love life, Lao Wang has returned to his original capital, because the cash value has exceeded the premium.

Since Pharaoh was 40 years old, the income of the patron saint of love life has been rising, especially in the later period, the cash value has risen rapidly!

In other words, after six years, Lao Wang will probably get a profit of 440,000 yuan. If Lao Wang has children around the age of 30, then his children will almost need to go to high school when Lao Wang is 46. High school is the most important moment in a child's life, and this money can also be used to give children a better education!

At the age of 50, the insurance products of the patron saint of love life will increase by 365,438+0,000 yuan again; By the time Lao Wang was 54 years old, he could have earned a net income of1million!

Then, this money can always be used as a child's education fund or as a venture capital. This money is used to buy a house for children and provide for their own old age.

It can be seen that there is no need for everyone to be so afraid of the three-child policy. Everyone is afraid of losing money because they don't understand investment! Buying children's annuity insurance for their children is the first step to learn to invest, or increasing the quota in whole life insurance, so that parents can insure themselves. In short, buying insurance can greatly reduce costs!

If you think the patron saint is not suitable, here is a list of high-yield annuity insurance, which deserves everyone's attention: "8 education funds with the highest annual rate of return in 202/kloc-0" are deeply excavated! 》

So, today's content learning sister is here! If you still have some ideas about the three-child policy, you can trust your sister privately!

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