As soon as the news came out, the circle of friends and Weibo were occupied by major analysts, and some people were happy and others were worried.

Fortunately, the problems of population structure and aging that plague China's sustainable development will be gradually alleviated; What everyone cares about is that raising one child is a big problem, and raising three children will not collapse?

Male friends really feel a lot of pressure, and making money is the most important thing!

Not necessarily. Sister Xue introduced a good thing to you today-Taikang Baoyu Children's Annuity Insurance, Children's Growth Care Fund and Education Fund. It didn't miss anything! This is a good measure to deal with the three-child policy ~

Time is precious. Let's analyze it for everyone. Why can Taikang Baoyu Children's Annuity Insurance cope with the three-child policy? 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?

The following is the product diagram of Taikang Baoyu Children's Annuity Insurance:

Next, learn about the guarantee responsibility of Taikang Baoyu Children's Annuity Insurance with my senior sister. For example, Lao Li insured Baoyu Children's Annuity Insurance for a 0-year-old baby, with an annual premium of 50,000 yuan and a basic insurance amount of 9,650 yuan for five years.

1, Growth Care Fund

Once the three-child policy is liberalized, in everyone's view, raising a child really costs a lot of money, and no one can afford it. Aren't those three children going to empty their homes!

No, Taikang Baoyu Children's Annuity Insurance came with the Growth Care Fund. The contract takes effect for 5 years, and the basic insurance amount is paid every year as the growth care fund.

After the sixth year, old Li Can received 9650 yuan of baby growth care money every year, enough for children to go to kindergarten!

If you think this income is not small, you can find the product you want from the children's annuity insurance with high income in 202 1 year compiled by your senior sister: "8 annuity insurances with the highest income in 20265438 +0! 》

2. University education grant

Under the background of the three-child policy, the first thing that people think of is the children's education fund, but the minimum annual cost for children to go to college is 1.5 million (an announced institution), which is not a small expense for ordinary families!

Therefore, Taikang Baoyu Children's Annuity Insurance is attached with the responsibility to protect the university education fund. From the sixth year when the policy comes into effect, the age must meet the age of 18, 19, 20, 2 1, and the basic amount paid each year is used as the university education fund.

In other words, when Lao Li's baby reaches the age of 18, he can get the university education fund of 19300 every year, which is guaranteed and can alleviate the family's economic pressure to some extent!

Step 3 get married and start a career

As long as the child is over 28 years old, Taikang Parenting and Pension Insurance pays 10 times the basic insurance amount, which can be used as family funds. This money can help children buy a house or a car, or it can be used for a career fund to help children get a new life!

From this point of view, Lao Li's Taikang Baoyu Children's Annuity Insurance for the 0-year-old baby won the insurance premium of 299 150 yuan when the baby was 28 years old.

At this time, some friends feel strange. Taikang Baoyu children's annuity insurance income is not very high!

In the protection of children, it seems a bit weak. Don't panic. Senior sister just takes Taikang Baoyu children's annuity insurance as an example and carefully analyzes and handles the three-child policy. Your 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: "10 high-yield financial insurance list! 》

There are many annuity insurance products in the above list. I believe many friends have seen it! I'll choose an analysis for you right away. Let's learn about 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:

Do you want to know why this product has no guarantee responsibilities such as education fund and growth fund? In fact, it has its own outstanding characteristics.

The best thing about this product is that the insured amount will increase with compound interest at the rate of 3.6% every year. Many insurance companies have asked that there is no guarantee responsibility such as education fund and growth fund. Can you buy it?

Needless to say, everyone knows that all the expenses of children are paid by parents!

Is financial insurance only allowed for children?

Not necessarily, the return made by adults on their investment can also be used for children, such as education expenses and helping children start businesses. , these are all ok!

There is a 30-year-old Lao Wang who chooses to insure 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 Xin Ming has exceeded the premium, so we can know 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 rose rapidly!

In other words, when Lao Wang is 46 years old, he can earn about 440 thousand. Even if Lao Wang gave birth to a child around the age of 30, by the time Lao Wang is 46, his child will be almost in high school. For high school children, education is very important, and this money can be used as the cost of high school education for children!

When Lao Wang is 50 years old, the guardian of love life will add another 3 1 10,000 yuan; When Lao Wang is 54 years old, he can get a net income of more than 654.38+0 million!

Then, Lao Wang used the money for children's education fund and venture capital, enough for children to buy a house and prepare for their own pension!

Of course, more articles about the detailed evaluation results of the patron saint of love life are all in this article. If you are interested, you can poke: "What is the life income of the patron saint of love life 2.0?"

To sum up, raising three children is not as difficult as everyone thinks, and everyone does not know how to invest. This is the most terrible! Children's annuity insurance can save parents a lot of money when their children have an accident. On the other hand, parents buy extra whole life insurance for themselves, which brings enough income to solve all the expenses of their 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!

Write it at the end

I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;

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I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.

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