The good news is that the three-child policy is conducive to improving the population structure of China and coping with the aging population. And everyone is worried that they can't afford one child, but they need three?
Male friends say that pressure is high, and making money is king!
Not necessarily. Today, Amway will be given a Taikang Baoyu children's annuity insurance, including the children's growth care fund and education fund. It is still useful to face the three-child policy ~
Even if the children's annuity insurance is really satisfactory, it doesn't mean that anyone is suitable to buy it! If you don't want to spend money for nothing, you'd better read this article:
《? Is it necessary to buy education fund insurance? How to choose the right product? 》
Time is precious. Let's give you a detailed analysis. What is the reason why Taikang Baoyu Children's Annuity Insurance can cope with the three-child policy? Friends who are interested in the answer can look down!
1. Is the income of Taikang Baoyu Children's Annuity Insurance considerable?
Senior sister first presented Taikang Baoyu children's annuity insurance product map:
Then let's study the guarantee responsibility of Taikang Baoyu Children's Annuity Insurance. 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 was introduced, everyone's inner OS was: raising a child is too expensive, one can't stand it, and now there are three more. This salary is not even enough for milk powder, which is really unbearable!
No, Taikang Baoyu Children's Annuity Insurance has set up a growth care fund intimately. After the contract expires for five years, the basic insurance amount will be paid every year as the growth care fund.
From the sixth year, there will be 9650 yuan of growth care fund for Lao Li's baby every year, which is enough for the child to go to kindergarten!
2. University education grant
With the introduction of the three-child policy, children's education funds have become the biggest headache for everyone. Even if the child goes to a state-owned university, the minimum annual expenditure is 6.5438+0.5 million. So it is also a big expense for ordinary families!
In order to solve this problem, Taikang Baoyu Children's Annuity Insurance is attached with the responsibility of guaranteeing the university education fund. From the sixth year when the policy comes into effect, the age is 18, 19, 20, 2 1 one year old, and twice the basic insurance amount is paid as the university education fund every year.
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 Parenting and Endowment Insurance pays 10 times of the basic insured amount, which can be used as the principal of starting a family, that is, 96,500 yuan for starting a family to reduce the burden of buying a car for the child, or as a career fund to make the child's life happier!
As mentioned above, Lao Li insured Taikang Baoyu Children's Annuity Insurance for the 0-year-old baby, so the insurance premium received by the baby at the age of 28 was 299 150 yuan.
The income of this Taikang Baoyu children's annuity insurance doesn't look high either, which makes some friends feel puzzled!
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!
If everyone wants high-yield financial insurance, then choose one from this financial insurance list: "Want to buy high-yield financial insurance? Don't miss this 10 model again! 》
There are many annuity insurance products in the above list, and I think many friends are dazzled! No, the intimate senior chooses one to analyze for everyone, and everyone will know how high the benefits of the patron saint of love life are!
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:
The patron saint of caring for life recommended by senior sister is different from children's annuity insurance, which includes insurance benefits such as education fund and growth fund.
Its biggest highlight is that the insured amount is compounded at a rate of 3.6% every year. Many insurance companies ask, can you buy without the protection responsibilities such as education funds and growth funds?
Can financial insurance only be bought for children?
Not necessarily, the income from parents' investment can be used as both children's education funds and venture capital, which is feasible!
If the 30-year-old Lao Wang is insured as the patron saint of caring for life and chooses the payment period of 10 year, then he will pay 65,438+10,000 yuan every year, and the income is as follows:
As can be seen from the income calculus diagram, 1 1 year, Lao Wang is 40 years old, and the cash value of the patron saint of love life has exceeded the premium, which means that Lao Wang has returned to his original capital.
When Lao Wang was 40 years old, the income of the patron saint of love life began to rise all the way, especially in the later period, the cash value soared!
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; When Lao Wang is 54 years old, his net profit will exceed 654.38+0 million! !
Then, Wang Can Sr used the money as a fund for children's education, or as a venture capital, a house purchase fund and a pension fund. With this money, it can be solved!
However, since the Patron Saint Life Insurance has been discontinued at present, Senior Sister presents an upgraded version of this product, Aisheng Patron Saint 2.0, with the benefit seal:
Is the real income of Guardian of Love Life 2.0 really that high? 》
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, insurance for children, or increasing the amount of whole life insurance, parents are insured by themselves, and the income brought is enough to solve all the expenses of children!
Among them, the patron saint of love life has high compound interest, flexible fund collection and high income, and the education expenses of three children are enough to insure the patron saint of love life!
So, today's content learning sister is here! You still want to know what measures can be used to deal with the three-child policy, so learn from your sister!
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!