Little friends who don't understand annuity insurance must read this article: "Learn this trick and stay away from the 99% pit of annuity insurance."
1. What does the child annuity insurance look like every day?
Without further ado, let's take a look at the essence of this daily child annuity insurance:
As shown in the figure, this daily upward children's annuity insurance allows people aged 0- 16 to choose, and can be guaranteed until they are 30 years old.
There are three ways to receive children's annuity insurance every day: education fund, maturity fund and death insurance fund, which supports the conversion between policy loan and annuity.
It can be seen that the children's annuity insurance does not attach a universal account every day, and it loses the opportunity of compound interest and income appreciation.
In fact, the cash value account of universal insurance is what everyone calls a universal account. If you are not particularly familiar with universal insurance, you can learn about it in the following article: "Managing money with universal insurance, stable and safe income?" Universal insurance from the beginning! 》
Among them, the education fund is a combination of university education fund, continuing education fund, university education fund and continuing education fund, and the corresponding insurance ages are 0- 12 years old, 0- 16 years old and 0- 10 years old respectively.
1, university education grant
During the period of 18-2 1 year-old, children can receive the daily college education fund of children's annuity insurance, and then receive 20% of the accumulated premium every year, for a total of four times.
18-2 1 year-old is almost the time when children go to college. This university education grant can be used to pay for four years of education.
2. Continuing education grant
During the period of 22-24 years old, children can receive education funds, and they can get 20% of the accumulated premium every year, which is paid three times in total.
After finishing college, children can consider going to graduate school for further study, and provide their children with an annuity insurance for three times every day, so that children can study hard and parents will be more at ease.
3. University &; Continuing education grant
Age 18-24 years old, from college to further study, get 20% of the accumulated premium every year, and the total payment times are 7 times, which is equivalent to buying two children's annuity insurance every day.
4. Maturity/death insurance premium
After you have bought insurance and turned 30, your first policy still exists on the corresponding day, and the insurance company will pay all the insured amount as the due insurance.
If the insured dies unfortunately during the insurance period, the children's annuity insurance will pay the paid premium or cash value (whichever is greater) as the death insurance.
In other words, whether you are dead or not, the children's annuity insurance will still refund your money every day.
2. What is the daily income of children's annuity insurance?
Lao Li bought this daily upward child annuity insurance for Xiao Li, a 0-year-old child. The annual premium is 654.38 million yuan, which will be paid in three years. The income calculation chart is here:
& gt& gt Select the version of university education grant.
According to the table, if Lao Li only allocates university education funds for his children, he will get 60,000 yuan of education funds every year during the period of 18-2 1 year, totaling 240,000 yuan.
Moreover, this product also has a full refund. When Xiao Li is 30 years old, he can receive 100% of the basic insurance amount at one time, that is, 503,200 yuan, which is actually equivalent to a yield of 3.67%.
& gt& gt Select the version of continuing education grant.
If Lao Li only chooses the continuing education fund for Xiao Li, the amount of this fund is higher because it starts to receive it very late. When I was 22-24 years old, I got an education fund of 60,000 yuan every year, totaling 65.438+800,000 yuan.
In addition, you can get full payment. When the child is 30 years old, the insurance company will return 100% of the basic insurance amount at one time, totaling 629 300 yuan, so the yield is 3.70%.
& gt& gt Choose a university &; Combination of continuing education funds
Lao Li wants to insure Xiao Li, so he chooses a university &; In terms of receiving conditions, 18 years old can receive education funds, and money can be received until the age of 24.
When the child is 30 years old, he can accumulate 420,000 education funds+265,600 yuan maturity insurance, that is, the rate of return is 3.64%.
Generally speaking, university education grants, continuing education grants and universities &; There are still differences in interest rates among the three schemes of the continuing education fund portfolio.
The irr of the Golden Edition of Advanced Education is the highest among the three editions, which can reach 3.7%. However, if we compare the high-quality children's annuity insurance on the market, the daily children's annuity insurance still has a distance.
Excellent children's annuity insurance on the market, the highest rate of return can reach 4%.
This 0.3% gap should not be underestimated. After the interest rolls, there is very little money you can get from the children's annuity insurance every day!
At present, some children's annuity insurance benefits are relatively high, and seniors have also helped you evaluate it. Interested friends can come in and have a look: "the latest! The evaluation of the eight education funds with the highest yield in 2023 is coming ~ "
Summary: Now the wholesale version of children's annuity insurance has also been removed from the shelves, and the premiums of friends who want to buy now can only be paid in installments. Tiantianxing children's annuity insurance has many choices, but the income is average, which is not excellent.
Parents who want to buy education funds for their children still suggest comparing more before choosing.
Write it at the end
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