People are glad that solving the problem of population structure and aging is conducive to China's sustainable development; What everyone is worried about is that it is difficult to raise one child now, and it is even more difficult to have three more.
Today, I will give you Amway Taikang Baoyu children's annuity insurance, including children's growth care fund and education fund. It is very effective to apply it to the three-child insurance policy ~ it is a relatively reliable insurance, so let's analyze it in depth today ~
1. Is the income of Taikang Baoyu Children's Annuity Insurance considerable?
As usual, let me first present the product map of Taikang Baoyu Children's Annuity Insurance:
Want to know what is the guarantee responsibility of Taikang Baoyu children's annuity insurance, read on. Let's take a look. Lao Li insured Baoyu Children's Annuity Insurance for a 0-year-old boy. The basic insurance amount is 9650 yuan, and the annual premium is 50000 yuan.
1, Growth Care Fund
After the introduction of the three-child policy, everyone's point of view is that raising a child is not a small expense, and it is difficult to have any one. If you really want three children, you will be unable to make ends meet!
Therefore, Taikang Baoyu Children's Annuity Insurance has a growth care fund. After the contract expires for five years, the Growth Care Fund will pay a certain amount of basic insurance every year.
From the sixth year, Lao Li's baby can receive 9650 yuan of growth care money every year, which can fully support the children's money for kindergarten!
If this income is too small, it will be helpful to look at the 202 1 high-income children's annuity insurance summarized by the senior sister: "Dig the top eight education funds in 202 1! 》
2. University education grant
In the three-child policy, everyone should pay attention to the children's education funds, but a child needs at least 1.5 million (public colleges and universities) every year, which will also cause economic pressure on ordinary families!
In order to solve this problem, Taikang Baoyu Children's Annuity Insurance attaches the guarantee responsibility of university education fund. From the sixth year after the policy comes into effect, the age reaches 65,438+08,65,438+09,20,265,438+0, and twice the annual basic insurance amount is used as the annual education fund of the university.
From the age of 18, Lao Li's baby can get 19300 college education funds every year, and the education expenditure is guaranteed, so don't worry about the family economic pressure!
Step 3 get married and start a career
As long as the child reaches the age of 28, Taikang Baoyu Children's Annual Insurance will pay 10 times the basic insurance amount, that is, there will be a family fund of 96,500 yuan, which will help the child buy a house and a car, or as a career fund to help the child get a new life!
Generally speaking, Lao Li insured Taikang Baoyu Children's Annuity Insurance for a 0-year-old baby, and the insurance premium received by the baby at the age of 28 was 299 150 yuan.
Friends think that Taikang Baoyu children's annuity insurance income will not be too high!
I can't be perfect in child protection. Don't worry, Xue Jie just takes Taikang Baoyu Children's Annuity Insurance as an example to analyze and handle the three-child policy in detail. Parents can deal with it by buying children's annuity insurance!
Well, if everyone wants high-yield financial insurance, then choose one from this financial insurance list: "Buy top ten financial insurance and dream of high-yield financial insurance! 》
Many excellent annuity insurance products are listed in the above list, and most of my friends must have seen them! I'll choose an explanation for you right away to see how high the income of the 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:
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 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?
Everyone must know that the children's expenses are given by their parents!
The income gained by adults investing in themselves can also be used for children's education, or you can start a business as a venture capital, which is feasible!
There is a 30-year-old Lao Wang who chooses to take out insurance for the patron saint of caring for life, and the payment period is 10 year. He needs to pay 654.38 million yuan every year, and his income is as follows:
In the income calculus chart, we can know that in the year of 1 1, Lao Wang is 40 years old at this time, and the cash value of the patron saint of love life has exceeded the premium, that is to say, Lao Wang's return has exceeded his investment.
After the age of 40, the income of Lao Wang, the patron saint of love life, continued to rise. In the later period, the value of cash is like riding a rocket, rising!
So how much can Lao Wang earn at the age of 46? You can probably earn 440 thousand. 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 fifty years old, the patron saint of caring for life appreciated by 3 1 10,000; 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, which was enough to give his children a house purchase fund and prepare for their own pension!
Everyone wants to see the article on the detailed evaluation results of the patron saint of love life, and poke here to satisfy your curiosity: "I was shocked by the real income of the patron saint of love life 2.0!" 》
Therefore, the three-child policy is not so terrible. The terrible thing is that everyone doesn't know how to invest! Children's annuity insurance can save a lot of money for parents in children's accidents, and increasing whole life insurance can solve the expenses caused by parents' accidents. In short, buying insurance can greatly reduce expenses!
Senior, today's content is over! If you still have some ideas about the three-child policy, you can trust your sister privately!
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