As soon as the news came out, some people were happy and others were worried.

What is gratifying is that the problem of population aging and population structure will usher in improvement; Sadly, the cost of raising a child today is not low. It is not easy to raise one child, and it is even more difficult to raise three.

For the cost of raising children, many friends who are the pillars of the family say that they are under great pressure, so they still have to make money first!

However, do you know Taikang Baoyu Children's Annuity Insurance? This is a good thing, included in the growth care fund and education fund. This is a good measure to deal with the three-child policy ~

Even if children's annuity insurance is really possible, you can't blindly insure it! This article recommends that the senior sister read: "Is the children's annuity insurance recommended by others suitable for your child? 》

Time is so precious that Sister Xue will give you a comprehensive comparative analysis. If you are interested in the answer, you might as well read on!

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

Let's take a look at the product map of Taikang Baoyu Children's Annuity Insurance:

Then let's study the guarantee responsibility of Taikang Baoyu Children's Annuity Insurance. Senior sister took Lao Li to insure the 0-year-old baby with Baoyu children's annuity insurance. The basic insurance amount is 9650 yuan, and the five-year payment is 50 thousand, totaling 250 thousand. For example.

1, Growth Care Fund

Once the three-child policy is liberalized, in everyone's view, the cost of raising a child is so high, one is enough, and three children, that salary is simply not enough to buy milk powder!

In view of this situation, Taikang Baoyu Children's Annuity Insurance established the Growth Care Fund. After the contract expires for five years, the Growth Care Fund will pay a certain amount of basic insurance every year.

From the sixth year, Lao Li's baby can receive 9650 yuan of growth care money every year, which is enough to meet the kindergarten tuition!

2. University education grant

In the three-child policy, everyone should focus on the children's education fund. However, even in state-owned universities, it costs at least 1.5 million a year, so it is also a burden for ordinary families!

Therefore, it is a highlight of Taikang Baoyu Children's Annuity Insurance to increase the responsibility of ensuring university education funds. From the sixth year after the policy comes into effect, children of 65,438+08,65,438+09,20,265,438+0 can get twice the basic insurance amount every year as a 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 from the age of 18. The guarantee of education expenses can alleviate the family's economic pressure to a certain extent!

Step 3 get married and start a career

When the child reaches the age of 28, Taikang Baoyu Children's Annual Insurance can also pay 10 times the basic insurance amount, which means that by that time, the child can get 96,500 yuan of insurance money to buy a house or a car, or as venture capital, and the child's life will become a new chapter!

In short, Lao Li insured Taikang Baoyu Children's Annuity Insurance for the 0-year-old baby. When the baby was 28 years old, he received a total of 299 150 yuan.

Some people will wonder that Taikang Baoyu Children's Annuity Insurance has a low income!

There is less protection for children, so be calm. Senior sister only takes Taikang Baoyu children's annuity insurance as an example to analyze the corresponding three-child policy. Parents of children can buy children's annuity insurance to deal with it!

Well, if everyone wants high-yield financial insurance, then choose one from this financial insurance list: "Top Ten financial insurance list, here is the high-yield you want!" 》

There are too many annuity insurance products in the above list, and I believe many friends are confused! No, the intimate senior will choose one to analyze for everyone, and everyone will know how effective 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?

If nothing else, you can learn about the product map of the patron saint of love life together:

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.

Its biggest advantage is that the insurance coverage will increase at a rate of 3.6% per year. Many insurance companies are puzzled. They lack the guarantee responsibilities such as education funds and growth funds. Can they buy with confidence?

Undoubtedly, children's expenses come from their parents!

Can the only child buy financial insurance?

Not necessarily, parents can also invest their income in their children, such as education expenses and helping their children start businesses. , these are all ok!

If Lao Wang is insured as the patron saint of caring for life at the age of 30, and pays RMB 65,438+10,000 per year, 10, his income is as follows:

As can be seen from the income calculus diagram, 1 1 year, Lao Wang is 40 years old, and Lao Wang got back the principal, because the cash value of the patron saint of love life is not lower than the premium.

Since the age of 40, the income of Lao Wang, the patron saint of caring for life, has been rising, especially in the later period, the cash value has soared!

So when Lao Wang is 46 years old, he can earn about 440 thousand. Even if Pharaoh gave birth to a child around the age of 30, by the time Pharaoh was 46, the child would be almost in high school. This money can be used as a child's high school education fee.

When Pharaoh is 50 years old, the guardian of love life will appreciate by 3 1 1,000 yuan; When Lao Wang was fifty-four, he had already made a net profit of one million!

Then, with the money, Wang Can Sr used it in many places, such as children's education fund and venture capital. This money can be used to buy a house for children and prepare for their own pension. That's enough!

However, since the patron saint whole life insurance has been discontinued, Senior Sister presents an upgraded version of this product-Aisheng Patron Saint 2.0. Interested friends can click: patron saint of love life 2.0 real income is amazing! 》

It can be seen that the three-child policy is not as terrible as everyone thinks. In fact, what really scares everyone is that they don't know how to invest and suffer! Whether parents buy children's annuity insurance for their children or parents buy whole life insurance for themselves, the benefits brought by these financial insurance can help solve economic problems!

Moreover, the patron saint of love life has many advantages, such as high compound interest, flexible fund collection and high income. The advantage of the patron saint of love life is to bear the educational expenses of children for the insured!

That's the end of today's content, senior, there's nothing to talk about! If you still have some ideas about the three-child policy, you can trust your sister privately!

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