Basic insurance coverage: 50,000 yuan, annual premium: 6,800 yuan. Payment period: 18 years the day before the policy takes effect. Guarantee period: 60 years old. Happy growth plan (taking a 0-year-old boy as an example). Insurance benefits: growth account pension: 2% of the first premium is paid every year, reaching 17 years old, totaling 2448 yuan; University education grant: 18-2 1 year (50,000 yuan+accumulated bonus) ×30%×4 years, at least 60,000 yuan; Wedding money: 25 years old (50,000 yuan+accumulated dividend insurance amount) ×60%, at least 30,000 yuan; Pension: 60 years old (50,000+accumulated bonus) ×200%+ final bonus, at least 65,438+10,000 yuan.

If he dies before the age of 18, the paid premium and current price of basic insurance amount+current price of accumulated bonus insurance amount+final bonus will be returned; If 18 died unfortunately, it will be refunded (50,000 yuan+accumulated bonus insurance amount) ×500%+ final bonus, at least 250,000 yuan.

Xinhua Growth Angel's critical illness insurance for children is a product specially designed for children aged 30 days to 16, and the insured is one of the parents aged 20 to 50. As an additional insurance, critical illness insurance, the insurance of growing angel children, needs to be based on consumers buying the main insurance "old-age security, happy growing children". Payment methods include one-time payment, five-year payment, and payment to 15 years old or 18 years old, which is relatively flexible and can provide protection for insured children until they are 25 years old.