It is rumored that the income of this product is very good, and compared with the traditional annuity insurance, Taikang Baoyu Children's Annuity Insurance is a product that provides educational reserves for children.
Is Taikang Baoyu Children's Annuity Insurance really that good? Is the income high? After reading this evaluation article, I believe everyone will know fairly well.
If you want to avoid being cheated when buying children's annuity insurance, these key points must be grasped: "Is children's annuity insurance suitable for insurance? What aspects should I look at when choosing a product? 》
Don't waste everyone's time. Let me explain it to you carefully. Friends who want to know the answer, keep watching!
1. Is the income of Taikang Baoyu Children's Annuity Insurance considerable?
Let's take a look at the product map of Taikang Baoyu Children's Annuity Insurance:
Let's take a look at the guarantee responsibility of Taikang Baoyu Children's Annuity Insurance following the steps of Senior Sister. For example, Lao Li insured Baoyu Children's Annuity Insurance for his 0-year-old baby with an annual premium of 50,000 yuan and a basic insurance amount of 9,650 yuan.
1, Growth Care Fund
After the three-child policy was confirmed, everyone said: it is too expensive to raise a child. I can't stand one, and now I want three. This salary is not enough to buy milk powder. It's really unbearable!
Therefore, the Growth Care Fund came into being. The contract takes effect for 5 years, and the product pays the basic insurance amount 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
In the face of the three-child policy, I think what everyone is most worried about is the children's education fund. But a child needs at least 1.5 million (public colleges and universities) every year, which will also cause economic pressure on ordinary families!
Considering this factor, Taikang Baoyu Children's Annuity Insurance undertakes the responsibility of protecting the university education fund. From the sixth year when the policy comes into effect, the age should be 18, 19, 20, 2 1 one year old respectively, and the university education fund pays twice the basic insurance amount every year.
From the age of 18, Lao Li's baby can get a college education grant of 19300 yuan every year for the next four years, and the education expenses are guaranteed, which can alleviate the family's economic pressure to some extent!
Step 3 get married and start a career
When the child reaches the age of 28, Taikang Baoyu Children's Annuity Insurance will pay 10 times the basic insurance amount as a family fund, that is, there is a family fund of 96,500 yuan, which will help the child buy a house or a car, or use it as a career fund, which will bring great help to the child's life!
Generally speaking, Lao Li insured Taikang Baoyu Children's Annuity Insurance for a 0-year-old baby, so the insurance premium he received when the baby was 25 years old was 299 150 yuan.
This puzzled some friends. The income of Taikang Baoyu Children's Annuity Insurance doesn't look high either!
The protection of children is a little weak. Don't worry, Senior Sister just takes Taikang Baoyu Children's Annuity Insurance as an example to analyze in detail the policy of dealing with three children. Parents can deal with it by buying children's annuity insurance!
There is just a list of high-yield financial insurance, and friends who are interested in configuring financial insurance can bring it by themselves: "10 financial insurance escorts the purchase of high-yield financial insurance! 》
There are many annuity insurance products in the above list, and perhaps many small partners have seen them! Senior, I'll show you one of them right away. Let's learn how high the return of this patron saint of love life is!
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 this product drawing of caring for the patron saint of life:
This product is different from the children's annuity insurance, and does not include the guarantee responsibilities such as education fund and growth fund.
The best thing about this product is that the insured amount will increase with compound interest at the rate of 3.6% every year, so the insurance is in doubt. Without the guarantee responsibilities such as education fund and growth fund, can you still be insured with peace of mind?
As we all know, all the expenses of children are borne by parents!
Can financial insurance only be bought for children?
Not necessarily, the return from parents' investment can be used as children's education funds or for starting a business. , can be used!
If the 30-year-old Lao Wang is insured as the patron saint of love life and chooses the payment period of 10, then he needs to pay 65438+ ten thousand yuan every year, and his income is as follows:
The income calculus chart is as above. The policy has gone through the spring and autumn of 1 1. When Lao Wang is 40 years old, Lao Wang will get his capital back, because the cash value of the patron saint of love life is not lower than the premium.
Since Pharaoh was 40 years old, the income of the patron saint of love life has been rising, especially in the later period, the cash value has skyrocketed!
In other words, when Lao Wang is 46 years old, he can earn about 440 thousand. Suppose Pharaoh is 30 years old and his children are 65,438+0 years old, then when Pharaoh is 46 years old, his children will probably be in high school. This money is enough for children's high school education!
When Lao Wang was fifty years old, the patron saint of caring for life appreciated by 3 1 10,000; Lao Wang can make a net profit 1 tens of thousands when he is 54 years old!
Then, this money can be left to children and can be used for their education and entrepreneurship. This money is enough to buy a house for children and prepare for their own pension!
To sum up, the three-child policy is not so terrible. The terrible thing is that everyone doesn't know how to invest! Whether it is children's annuity insurance, the increase of whole life insurance can solve the expenses caused by parents' accidents. With insurance, parents' expenses for raising children will be greatly reduced!
There are many high-yield education fund products on the market. Senior sister found 8 products with outstanding cost performance and recommended them to everyone: "Evaluation of 8 education gold products with the highest income in 20265438 +0! 》
Here, today's content is basically over! Welcome to ask your sister questions about the three-child policy!
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