Is Taikang Baoyu Children's Annuity Insurance really so excellent? What's its secret? After learning about the protection content of Taikang Baoyu Children's Annuity Insurance, I believe that all friends have a good idea.
Children's annuity insurance is mostly regarded as the reserve of education fund. Unfamiliar friends please look here: "Is it necessary to buy education fund insurance?" How to choose the right product? 》
Time is precious. Let's discuss this topic with you. If you want to know the answer, read on!
1. Is the income of Taikang Baoyu Children's Annuity Insurance considerable?
The product schematic diagram of Taikang Baoyu Children's Annuity Insurance is as follows:
Next, I will learn about the guarantee responsibility of Taikang Baoyu Children's Annuity Insurance with my senior sister. For example, Lao Li insured a 0-year-old baby for Baoyu children, with an annual premium of 50,000 yuan and a five-year basic insurance amount of 9,650 yuan.
1, Growth Care Fund
As soon as the three-child policy came out, everyone had these views: it really costs a lot of money to raise a child, and no one can afford it. If you have more children, you can't afford milk powder!
No, Taikang Baoyu Children's Annuity Insurance has set up a growth care fund intimately. After the contract comes into effect for 5 years, the basic insurance amount will be paid every year as the growth care fund.
Then from the sixth year of signing the contract, the baby will receive 9650 yuan of growth care money every year, which is enough for kindergarten!
2. University education grant
With the arrival of the three-child policy, I think everyone must give priority to children's education funds. Even if a child goes to a state-owned university, he needs at least 1.5 million a year. Three children are really a burden to ordinary families!
Therefore, increasing the responsibility to guarantee the university education fund is not only from the sixth year when the policy comes into effect, but also from the age of 65,438+08,65,438+09,20,265,438+0, and it is a highlight of Taikang Baoyu Children's Annuity Insurance.
In other words, Lao Li's baby will receive a college education grant of 19300 yuan every year for the next four years, which not only ensures the education cost, but also reduces the economic pressure of the family, killing two birds with one stone!
Step 3 get married and start a career
As long as the child reaches the age of 28, Taikang Baoyu Children's Annual Insurance can pay 10 times the basic insurance amount as a family fund, which means that you can get 96,500 yuan to help your child buy a house or a car, or as a career fund to make your child's life happier!
In short, Lao Li insured Taikang Baoyu Children's Annuity Insurance for the 0-year-old baby, so the insurance premium that the baby received at that time was 299 150 yuan.
If you have friends, you will be confused. Taikang Baoyu children's annuity insurance income is not high!
The protection of children is not comprehensive. Here, Xuejie only takes Taikang Baoyu Children's Annuity Insurance as a case to analyze and deal with the three-child policy. Buying children's annuity insurance can easily solve your parents' problems!
So what high-yield financial insurance is worth starting on the market? Senior sister has prepared a list for everyone: "10 financial insurance, to escort the purchase of high-yield financial insurance! 》
Many excellent annuity insurance products are listed in the above list. I believe many friends have seen it! I'll choose one for you right away and see the income of the patron saint of love life!
2. What are the advantages of Taikang Baoyu Children's Annuity Insurance over caring for the patron saint of life?
Without further ado, let's take a look at the product diagram of the patron saint of love life:
Do you want to know why this product has no guarantee responsibilities such as education fund and growth fund? In fact, it has its own outstanding characteristics.
Its biggest advantage is that the insured amount is subject to compound interest growth of 3.6% per year. There is a lot of insurance, I don't know much about it. I lack the responsibility of ensuring education fund and growth fund. Is it worth buying?
Everyone must know that the children's expenses are given by their parents!
Is it true that financial insurance products are limited to children?
I don't know, the income from parents' investment can also be used for children, such as education expenses and helping children start businesses. , these are all ok!
For example, the 30-year-old Lao Wang insured the patron saint of caring for life and chose to pay 65,438+10,000 yuan a year, a total of 10 years. The income is as follows:
Here comes the income calculation strap. The policy has gone through the spring and autumn of 1 1. Lao Wang is 40 years old, and the cash value of the patron saint of love life has exceeded the premium, which means Lao Wang has returned to his capital.
When Lao Wang was 40 years old, his income of caring for the patron saint of life began to rise all the way, especially in the later period, the value of cash rose like a rocket!
By the time Lao Wang was 46, he had earned about 440,000 yuan. Even when Lao Wang was 30 years old, the child 1 year old, and when Lao Wang was 46 years old, the child went to high school. This money is enough for children's high school education!
When Lao Wang was 50 years old, the patron saint of love life added another 3 1 1,000 yuan; Lao Wang can make a net profit 1 tens of thousands when he is 54 years old!
Then, this money can be used for children's education, and it can also be used to help children start businesses, enough for children to use as housing funds and prepare for their own pension!
To sum up, there is no need to worry too much about the three-child policy. For everyone who doesn't know how to invest, this is a terrible thing! Whether it's the children's annuity insurance, the children are insured, on the other hand, the parents bought themselves an increased amount of whole life insurance, which brought enough income to solve all the expenses of the children!
In view of the three-child policy, seniors and seniors have painstakingly collected eight high-yield annuity products and recommended them to everyone. Friends who want to allocate education funds for their children must not miss: "20021the specific study of eight education funds with the highest annual return rate! 》
Senior can make an end to today's content! Of course, if you have other ideas, you can come and communicate with your senior sister!
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