For example, the insured amount is 654.38+10,000 yuan, and the premium is more than 4,400 yuan per year.
The returns are as follows:
1. 18 years old, return 30% of the insured amount. 65438+ million is 30 thousand.
If you return 65438+ 30% of the insured amount at the age of 2.22, it will be 30,000.
If you return 40% of the insured amount of 65438+ 10,000 when you are 3.25 years old, it will be 40,000.
Generally, at the age of 25, this insurance is over. The income of this insurance is not high, but it has an exemption function, which is its biggest advantage. That is to say, if an adult is seriously ill for some reason or the reason agreed in the insurance company contract, then the future premium does not need to be paid, but the rights and interests of the child will not change.
In other words, there is no need to pay the premium, but the insurance company still gives the children the education money they deserve.
Extended data:
China Life Endowment Insurance for Gifted Children is a child insurance product with an insurance age of 60 days-14 years old, which is launched by China Life Insurance Co., Ltd., and the insurance period is from the effective date of the contract to the insured's survival to the age of 25.
Once the parents encounter misfortune, the payment can be stopped if the terms and conditions are met, and the policy will continue to be valid, continuing the care of parents and ensuring the safe growth of children.
The product features of this insurance are as follows:
1. Care about growth
Provide support for children to become talents, establish a career and settle down.
2. Premium exemption
Specially introduce the premium exemption clause, so that you can worry about it later.
3. Insurance policy loans
You can get a loan according to the terms of the policy.
References:
China Life Insurance Cai Ying Children's Endowment Insurance _ Baidu Encyclopedia