There are many cultural and educational annuities in the financial market. Different products will be different, and products suitable for families will be different. Which auto insurance company is more suitable for the education fund, or choose according to your own preferences. The following are some examples of cultural and educational annuity insurance:
1. Teaching annuity insurance for higher education expenditure.
For example: dream of future higher education annuity insurance
This product is a product of Hengan Standard Life Group, which is suitable for people aged 0- 12 and can be insured until the age of 22. Insurance premiums can be paid in batches or annually, of which 50,000 insurance premiums can be paid in batches and 20,000 insurance premiums can be paid annually. This product has a high threshold. Beneficiaries of 18-2 1 year-old can receive 100% of the insured amount every year, and when they are 22 years old, they can receive 100%- 150% of the paid premium.
If a 0-year-old boy is insured with the dream future education annuity insurance, and pays 20,000 yuan every year for 6 years until he is 22 years old, and the basic insurance amount is 14356 yuan, then the dividend insurance status of this policy is as follows:
(1) Education grant: 18-2 1 year, and it will be received every four years 14356 yuan, totaling 57424 yuan.
(2) Within the validity period: 22-year-old one-time payment150,000 yuan.
During the insurance period, the beneficiary can receive a total of 207,424 yuan, which is more than twice the cost.
2. Education fund commercial insurance with low initial investment cost.
For example: Jinzhi Qi Hang Cultural Education Annuity Insurance.
It is also a commodity of Guangzhou Evergrande Standard Life Insurance Group, which is suitable for children aged 0- 12. This product has convenient payment period and low premium threshold, and can also be purchased by working families. At least 1.5 million yuan, at least 8,000 yuan in three years, at least 6,000 yuan in five years, and at least 5,000 yuan in 10 year. Dividend insurance refund includes university education fund, continuing education fund and expiration insurance fund.
If a 0-year-old boy is insured with Jinzhi Qi Hang Annuity Insurance, he will pay more than 20,000 yuan every year for five years until he is 30 years old, and the basic coverage is 1 187 16.8 yuan. The dividend insurance in this policy is as follows:
(1) University Education Fund: 18-2 1 year can receive more than 10000 yuan each year, totaling more than 40,000 yuan;
(2) Education Fund: 22-24 years old can receive more than 20,000 yuan each year, totaling more than 60,000 yuan;
(3) Payment due: at the age of 30 1 187 16.8 yuan.
During the insurance period, the beneficiary can receive a total of 2 187 16.8 yuan, which is more than twice the principal.
3. Long-term education funding
For example: gold medal champion annuity insurance
This product is insured by Evergrande Life Insurance, and is suitable for children aged 0- 10, ensuring that they reach the age of 30. This product includes ordinary high school education fund, university education fund, venture capital fund and its due insurance obligation, which takes a long time to return.
If the 0-year-old boy is insured for the Guangzhou Evergrande Gold Medal, the basic insurance amount is more than 654.38+ 10,000 yuan, and the annual premium is 26.535 yuan, which will pay 654.38+00 years until he is 30 years old. The dividend insurance status of this policy is as follows:
(1) ordinary high school education fund: 15- 17 years old receives more than 30,000 yuan each year, totaling more than 90,000 yuan;
(2) University education fund:18-2/kloc-0 receives 50,000 yuan every year, totaling more than 200,000 yuan;
(3) Venture capital: 25 years old, need to get more than 654.38+ 10,000 yuan;
(4) Expiration insurance: 30 years old, you need to receive more than 654.38+ 10,000 yuan.
During the guarantee period, the beneficiary can receive a total of 490,000 yuan, which is about 220,000 yuan more than the cost.
How much is the interest of CCB car loan? The car loan interest rate of CCB should be adjusted on the basis of the benchmark loan interest rate announced by the central bank. The specific car loan interest rate will vary among CCB service outlets, depending on the requirements of local CCB outlets.
In addition, you can refer to the general loan interest rate of China Construction Bank:
Interest on loans with a loan term of more than one year (inclusive) is 4.35%;
The loan interest with a loan term of one to five years (inclusive) is 4.75%;
Interest on loans with a loan term of more than five years is 4.90%.