Today, senior sister will take a look at the daily children's annuity insurance with everyone to see if it is really so excellent. Click the link below to learn the true face of Tiantianshang Children's Annuity Insurance:
"It is said on the Internet that I buy children's annuity insurance every day, but have you noticed these? 》
First, is the protection of children's annuity insurance excellent every day?
Senior, before it's too late, let's go directly to the above picture:
After seeing the product drawings, the senior sister took everyone to know in detail.
Advantages of daily upward child annuity insurance:
1. The payment period is highly selective.
There are four payment methods for children's annuity insurance every day, namely wholesale payment, 3 years, 5 years and 10 years. Compared with those on the market who can only choose wholesale payment or five-year children's annuity insurance, it treats everyone's wallets more friendly!
Moreover, people with various budgets can be satisfied through these payment methods. If you want to invest 400,000 yuan and the budget is enough, you can choose to pay the premium directly. If you don't have a full budget, we can choose to pay 10 year and 40 thousand a year.
Everyone's worry about excessive payment pressure will be solved to the greatest extent, and there is no need to worry about the annual premium!
2. Insurance policy loans
To put it simply, policy loan is a way for the insured to mortgage his policy to an insurance company or bank and obtain funds according to a certain proportion of the cash value of the policy. Essentially, it is a mortgage loan.
If the insured does not need long-term capital demand, he can use this method to make his money more flexible, and use this method to manage and invest or improve his quality of life.
And the protection of children's annuity insurance every day is so excellent that it consolidates everyone's high-quality life!
Disadvantages of daily upward child annuity insurance;
1. Missing universal account.
In order to meet everyone's expectation of income, most excellent children's annuity insurance products on the market will set up universal accounts that can compound interest and increase value.
In fact, the universal account means that if you don't want to receive an annuity for the time being, you can increase the annuity compound interest through the universal account, and you can also get more income for the insured.
However, children's annuity insurance does not have a universal account every day. ] [If you want to make money, you can only rely on the basis of the contract. The way to make money is a bit monotonous, and the money you earn is much less.
Senior sister has experienced a lot in the insurance circle for so many years. She knew the shortcomings of annuity insurance before, and specially compiled this article on lightning protection:
Learn this trick and stay away from the 99% pit of annuity insurance.
2. What is the daily income of children's annuity insurance? Is it tall?
Senior, taking a zero-year-old child as an example, explained that the premium to be paid is 300,000, which will be paid in three years, one year100,000. The following is the income calculus diagram:
Looking at the picture above, we can see:
University education grant version:
When the insured is 18-2 1 year old, he can receive an education fund of 60,000 yuan, that is, 240,000 yuan.
If the insured is 30 years old, he can get all the basic insurance protection, that is to say, he can finally get 503,200 yuan and the interest rate can reach 3.67%.
Continuing education grant version:
When the insured is 22-24 years old, he can get an education fund of 60,000 yuan every year, with a total of 6.5438+0.8 million yuan.
At the age of 30, the insurance company returned 1 0,000% of the basic insurance amount as due and got 629 300 yuan with a yield of 3.7%.
Combined version of university and postgraduate education fund:
The insured can receive the corresponding education fund from the age of 18 until the age of 24.
At the age of 30, you can receive an education fund of 420,000+265,600 and 685,600, with a yield of 3.64%.
Third, senior sister suggested.
Generally speaking, Tiantianxing Children's Annuity Insurance has a good income, high cost performance and comprehensive protection, which is quite worth buying.
Of course, in addition to the daily children's annuity insurance with high cost performance, here is a list of annuity insurance for everyone, which is full of products worth buying. Friends in need can refer to:
"Top Ten Annuity Insurance Rankings ▏ Want to buy high-yield annuity insurance? Don't miss this 10 model again! 》
Write it at the end
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