Before explaining, you'd better know about the places where annuity insurance is easy to step on:
Learn this trick and stay away from the 99% pit of annuity insurance.
First, the protection content of daily annuity insurance is open!
Still the same. First of all, I'll give you the product map of daily upward annuity insurance:
The insurance rules of daily upward annuity insurance are set very well, just like the payment period is highly flexible and so on.
In the content of protection, it includes not only education fund, but also maturity insurance fund, death insurance fund, policy loan and annuity conversion right.
Friends who want to continue to study the responsibility of annuity insurance protection every day can read this article:
"It is said on the Internet that I buy children's annuity insurance every day, but have you noticed these? 》
Take a 0-year-old child as an example. She has to pay a premium of 654.38+10,000 yuan every year, which will be paid in three years, with a cumulative premium of 300,000 yuan. Let's take a look at the daily upward annuity income calculation:
1, university education grant
When the 0-year-old baby arrives at 18-2 1 year-old, he can receive an education grant of 60,000 yuan every year, and he can receive 240,000 yuan in these years.
When the baby reaches the age of 30, he can receive the basic insurance premium of 100%, that is, 503,200 yuan, with the interest rate of 3.67%.
2. Continuing education grant
When the 0-year-old baby is 22-24 years old, he can receive an education fund of 60,000 yuan every year, totaling 1.8 million yuan.
When the child is 30 years old, the insurance company will refund the due payment, that is, 100% of the basic insurance amount, that is, 629,300 yuan, with an interest rate of 3.70%.
3. University &; Combination of continuing education funds
The insured can receive education allowance from the age of 18 until the age of 24.
At the age of 30, you can receive a total of 420,000 education funds, plus 265,600 maturity insurance, totaling 685,600, with a yield of 3.64%.
2. Is Evergrande Golden Champion Annuity Insurance worth buying?
As usual, let's take a look at what the coverage of Evergrande Golden Champion Insurance Annuity Insurance is.
Evergrande Golden Champion Annuity Insurance is actually a wealth management insurance launched by Hongda Insurance Company. It is reported on the Internet that this product provides children with high school education expenses, college education expenses and venture capital. This insurance policy is all available!
Whether it is really so exciting, we will evaluate it immediately.
As for the income from Evergrande Golden Champion Annuity Insurance, Li Xuejie's own 0-year-old baby has taken out a Evergrande Golden Champion Annuity Insurance with a purchase amount of 654.38+10,000 yuan as an example. The annual premium is 74 184 yuan, taking three years as an example. So how about calculating the income of Evergrande Gold Champion Annuity Insurance for everyone?
1, senior high school education fund
According to the contents of the contract, the senior high school education fund can actually get 30% of the basic guarantee when the insured 15~ 17 years old, while Li has insured100000 Evergrande Gold Champion Annuity Insurance for his children, which is simply that it can be guaranteed every year when the children 15 ~ 17 years old.
2. University education grant
Evergrande Golden Champion Annuity Insurance, etc., can receive 50% of the basic guarantee when children are in high school, between 18 and 2 1 year, which means that children can receive an education fund of 50,000 yuan every year, with a total of 200,000 yuan for four years of college.
3. Venture capital
When the children reach the age of 25, the risk premium of Evergrande Gold Champion Annuity Insurance can get 65,438+000% basic protection. What does this mean? The child representing Li Can got 65.438 billion yuan in venture capital at the age of 25.
4. Overdue insurance premium
The guarantee period of Evergrande Golden Champion Annuity Insurance is 30 years, which means that Li's children can get 100% of the insured amount at the age of 30, that is, 65,438+10,000.
To sum up, Li paid a total premium of 222,552 yuan for his children's choice of Evergrande Golden Champion Annuity Insurance, with a cumulative income of 490,000 yuan, and a total income of 267,448 yuan after excluding the premium paid.
Evergrande Golden Champion Annuity Insurance can make people earn a lot of money, but the senior sister found that his income collection speed is really amazing!
If you don't believe me, please read this article:
"With regard to this income of Evergrande's' Golden Crown' annuity, you can't make money if you buy it! 》
Summary:
In short, Evergrande Golden Champion Annuity Insurance covers all expenses related to education and entrepreneurship in the process of children's growth, and other security responsibilities can be attached, which is quite good as a whole!
However, the protection responsibility of daily annuity insurance is still relatively sufficient, and the income obtained is relatively excellent compared with the same type of education funds in the market, which is more suitable for planning and arranging children's future education funds.
However, the senior sister should remind parents that it is no problem to buy financial insurance for their children, but only when the personal health insurance is fully configured can we talk about financial management!
Write it at the end
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