As soon as the news came out, major analysts quickly occupied the circle of friends and Weibo content, which was divided into two aspects: some people were happy and others were sad.

The good news is that China's population structure and population aging will usher in improvement; The idea is that a child can't stand it now. How can we live with three children?

Seeing this, male friends, as the mainstay of the family economy, said that their pressure is really great!

Not necessarily. Sister Xue introduces a good thing to you today-Taikang Baoyu Children's Annuity Insurance, which contains children's growth care and education funds! It is a good way under the background of the three-child policy ~

Although the children's annuity insurance is good, you can't just buy it! This article is recommended for everyone to read: "Parents must read: Why children's annuity insurance is worth buying".

Cherish time, senior. Let's study it with everyone. If you are interested in the answer, you might as well read on!

1. Is the income of Taikang Baoyu Children's Annuity Insurance considerable?

As usual, senior first showed the product map of Taikang Baoyu Children's Annuity Insurance:

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. Baby is the insured, baby is the insured. The annual premium is 50,000, and the basic insurance amount is 9650.

1, Growth Care Fund

With the implementation of the three-child policy, everyone wants to say that raising a child is too expensive. I can't stand one. Now I want three. This salary is not enough to buy milk powder. It's unbearable!

So this product has set up a growth care fund for everyone. Generally, five years after the contract comes into effect, the product will pay the basic insurance amount to the customer every year as a growth care fund.

Therefore, from the sixth year, every year, 9650 yuan of growth care fund will be paid to Lao Li's baby, which is enough for kindergarten!

If you think this income is small, you can extract the information you need from the children's annuity insurance with high income in 202 1 year compiled by your senior sister: "8 education funds with the highest income in 20265438 +0! 》

2. University education grant

With the arrival of the three-child policy, I think everyone must give priority to children's education funds. However, the annual expenses of state-owned universities of at least 6.5438+0.5 million will really bring great pressure to ordinary families!

In order to solve this problem, Taikang Baoyu Children's Annuity Insurance attaches the guarantee responsibility of university education fund. Not only from the sixth year when the policy comes into effect, but also at the four ages of 65,438+08,65,438+09,20,265,438+0, twice the basic insurance amount paid each year has become university education fund.

In other words, Lao Li has a baby and wants to get a 19300 college degree every year. From the age of 18, we will guarantee the education expenses and reduce the family's economic burden!

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 to help the child buy a house or a car, or use it as a career fund to help the child start a new life!

In short, Lao Li has insured Taikang Baoyu Children's Annuity Insurance for the 0-year-old baby, so at this time, the insurance premium that the baby will receive at the age of 28 will be 299 150 yuan.

In terms of income, Taikang Baoyu children's annuity insurance is slightly lower, which will make everyone feel strange!

And in the protection of children, it seems a bit weak. Don't panic. Here, take Taikang Baoyu Children's Annuity Insurance as an example to analyze and deal with the three-child policy. Your child's parents can buy child annuity insurance to deal with it!

There are many annuity insurance products on the market, and most of my friends must have seen them! No, the intimate senior is about to choose one for everyone to analyze. Let's take a look at the income of this patron saint who cares about life!

2. What are the advantages of Taikang Baoyu Children's Annuity Insurance over caring for the patron saint of life?

Nothing else, let's take a look at the product map of this patron saint of love life:

Although this product does not include children's annuity insurance including education fund and growth fund, it also has unique advantages and highlights.

Its biggest advantage is that the insurance coverage will increase at a rate of 3.6% per year. Many insurance novices are curious. Without the guarantee responsibilities such as education fund and growth fund, can you still be insured with peace of mind?

Everyone knows that the children's expenses are paid by their parents!

Is it only children who can take out financial insurance?

Not necessarily, the return from parents' investment can also be used for their children's education, or you can start a business as a venture capital, which is feasible!

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:

From the income calculus chart, we know that in the year of 1 1, Lao Wang has gone through 40 spring and autumn periods. From the cash value that has exceeded the premium, we know that Lao Wang has returned to his original capital for products and for loving the patron saint of life.

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 cash value rose rapidly!

By the time Lao Wang was 46, he had earned about 440,000 yuan. Even if Pharaoh gave birth to a child around the age of 30, by the time Pharaoh was 46, the child would be almost in 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 was fifty-four, he had already made a net profit of one million!

Then, old Wang Can used the money as his children's education fund or venture capital to buy a house for his children and prepare for his retirement. This money is enough!

However, since the Patron Saint Life Insurance has been discontinued, Xuejie presented an upgraded version of this product-Aisheng Guardian 2.0. Interested poke: "Life Guardian 2.0, the real benefits are amazing! 》

To sum up, there is no need to worry too much about the three-child policy. Nobody knows how to invest. This is the most terrible! On the one hand, parents buy children's annuity insurance for themselves and increase whole life insurance, which is the second step. In short, buying insurance can greatly reduce costs!

In addition, the high compound interest, flexible fund collection and high income make the advantages of Aisheng Patron more prominent, and Aisheng Patron also has the advantage of bearing the education expenses for the insured!

Sister Xue has already talked about today's content! If you still want to know about the three-child policy, you can trust Xue Jie privately!

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!