Before the evaluation, share this selected article with everyone. If you want to buy excellent education insurance products, you must read carefully:
Parents must read: Is it necessary to buy education fund insurance? How to choose the right product? 》
1. What protection does the child annuity insurance provide every day? What are the conditions?
As usual, I will explain all the contents of children's annuity insurance to you through a protection map every day:
As shown in the figure, the underwriting age of Tiantianshang Children's Annuity Insurance is 0- 16 years old. There will be different age limits according to the different functions of educational savings. But no matter which one you choose, the guarantee period is 30 years old, which covers almost the whole education stage of the insured.
There are five guarantees, namely, education fund, maturity fund, death insurance fund, policy loan and annuity conversion right; Regarding its guarantee, Senior Sister made the following interpretation:
1, education grant
There are three kinds of education funds for children's annuity insurance: university education fund, continuing education fund and university &; Continuing education grant.
Among them, 0- 12 years old will have the opportunity to apply for a university degree. It is stipulated that the insured between 18 and 2 1 year old can receive 20% of the premium paid each year and pay it in four installments; Just to ensure college tuition,
People aged 0- 16 can apply for not only college education, but also continuing education. During the period of 22 -24 years old, the insured can receive 20% of the annual premium paid in three installments. Graduating from college at the age of 22 is the choice of many families. No matter at home or abroad, they need a lot of money, which can be used for their children's further education, so they don't have to worry about economic conditions.
0- 10 children can apply for university &; For the further education fund, children can receive 20% of the annual premium paid during the period of 18-24 years old, which means that the education fund and the further education fund cover long-term protection, which is very helpful for learning and education.
2. Expiration and death insurance.
If the insured is still alive after the expiration of the insurance contract, he can receive100% of the basic insurance amount from the insurance company at one time; In other words, if the child is still alive at the age of 30, he can get back all the insurance coverage.
The death time of the insured is within the insurance period, and the compensation of the insurance company can be divided into cash value and paid premium, whichever is the greater.
In other words, no matter whether the child is alive or dead, giving the child annual pension insurance every day is indispensable.
3. Policy loan and annuity conversion right
Policy loans are easy to understand, that is, when money is urgently needed, you can mortgage the policy to the insurance company and take out some money for emergency; The loan interest rate of Tiantianxiangshang Children's Annuity Insurance is 4.98%, which is at an ordinary level.
Attention, everyone. Don't think that products with policy loans must be excellent, and annuity insurance has many pits. Friends should remember this trick to avoid the pit:
Learn this trick and stay away from the 99% pit of annuity insurance.
The insured can also obtain pension conversion right by configuring children's annuity insurance every day, and can choose to convert it into pension products according to their own needs.
The above is the complete guarantee content of children's annuity insurance every day. As an education fund, the security is still relatively rich; However, for everyone, how much income the annuity has is the most worthy of attention. Let's reveal the secret and see how much income it has!
Second, the benefits of children's annuity insurance are disclosed every day!
If a 0-year-old baby pays 6.5438+10,000 yuan of premium every year, it will take three years. For example, we will calculate the income of children's annuity insurance every day:
After reading the income chart, you will understand that the money you can finally get under different schemes will not be the same, but the actual rate of return is very small.
1, choose the university education grant scheme.
(1) Education grant
Children aged between 18 and 2 1 year can receive 20% of the premium paid each year, that is, 60,000× 4 = 240,000 yuan.
(2) Payment due
If you continue to survive at the age of 30, you can have a guarantee of 100%, which is 503,200 yuan, then 3.67% is the current rate of return.
2. Choose the continuing education grant scheme.
(1) Education grant
Children aged 22 -24 can receive 20% of the premium paid each year, that is, 60,000× 3 =180,000 yuan.
(2) Payment due
If you are still alive at the age of 30, you have 100% insurance coverage, which is 629300 yuan, and the yield at this moment is 3.07%.
3. Choose a university &; Continuing education grant scheme
(1) Education grant
/kloc-children aged 0/8-24 receive 20% of the premium paid each year, that is, 60,000× 7 = 420,000 yuan.
(2) Payment due
If you are still alive at the age of 30, you can get the insurance coverage of 100%, which is 265600 yuan. The internal rate of return at this time is 3.64%.
It can be seen that choosing the first education fund will get the highest income, but although it can get more at one time, it is also the latest time to get it. It will take 22 years to insure the 0-year-old baby.
Not only that, but even the advanced education fund with the highest rate of return in children's annuity insurance is not excellent. After all, many education funds in the market can reach 4% in terms of income.
Even if it is only 0.3% less, if there is a universal account for the remaining annuity insurance, the interest will be a lot of money!
You can't miss this list of high-yield education insurance products:
"The latest! The evaluation of the eight education funds with the highest yield in 2023 is coming ~ "
In a word, the daily children's annuity insurance provided by Mei Xin has many contents, but the income level is average, and there is no additional universal account. Parents and friends who want to pursue high income can look at the quality products on the market.
Write it at the end
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