The news spread, and the major analysts exploded the circle of friends, Weibo and so on. And people are divided into happiness and sorrow.
People are glad that solving the problem of population structure and aging is conducive to China's sustainable development; But for everyone, the cost of raising a child is high enough, let alone three.
Male friends say that the pressure is huge, and making money is the top priority!
Today, I want to recommend a magic weapon to you-Taikang Baoyu Children's Annuity Insurance, Growth Care Fund and Education Fund. It has everything about children! It is a good way under the background of the three-child policy ~
Even if the children's annuity insurance is excellent, don't follow suit directly! This article is recommended by senior sister: "Parents must read: How to choose children's annuity insurance?" 》
Time is precious. Let's analyze in detail why the three-child policy can be handled by Taikang Baoyu Children's Annuity Insurance. Friends who are curious about the answer, keep reading!
1. Is the income of Taikang Baoyu Children's Annuity Insurance considerable?
The product schematic diagram of Taikang Baoyu Children's Annuity Insurance is as follows:
Then let's study the guarantee responsibility of Taikang Baoyu Children's Annuity Insurance. Taking Lao Li as an example, Senior Sister insured Taikang Baoyu Children's Annuity Insurance for 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. If you really want three children, you will be unable to make ends meet!
So this product has set up a growth care fund for everyone. Growth Care Fund refers to the annual payment of basic insurance amount after the contract expires for five years.
Therefore, starting from the sixth year, Old Li Can will receive the baby's growth care fund every year, totaling 9650 yuan, which can fully meet the tuition expenses of kindergartens!
If you think this income is small, then you should take the 202 1 high-income children's annuity insurance as your consideration basis: "202 1 interpretation of the eight education funds with the highest income! 》
2. University education grant
In view of the three-child policy, children's education funds must be the most concerned by everyone, but the children's college expenses, at least 1.5 million (institutions) a year, are really a burden for ordinary families!
Therefore, Taikang Baoyu Children's Annuity Insurance has the function of guaranteeing university education funds. From the sixth year when the policy comes into effect to 18, 19, 20, 2 1 one year old, pay twice the basic insurance amount every year as a university education fund.
If you want to get the university education grant of 19300 every year, you have to let Lao Li's baby reach the age of 18, and it will take four years to do it online, so you don't have to worry about the education cost or run around for the family economy!
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 will be a family fund of 96,500 yuan to help the child buy a house or a car, or as a career fund, so that the child's life will become a new chapter!
As mentioned above, Lao Li insured Taikang Baoyu Children's Annuity Insurance for the 0-year-old baby, so the insurance premium received by the baby at the age of 25 was 299 150 yuan.
Friends will know that the income of Taikang Baoyu Children's Annuity Insurance is not too high, which is very confusing!
Don't be too protective of children, calm down. Here, the senior just takes Taikang Baoyu Children's Annuity Insurance as a case to analyze and deal with the three-child policy for everyone. You can solve the problem by buying children's annuity insurance!
In the above list, there are many annuity insurance products, which most friends must have seen! I will choose an insurance to introduce it and see the return of this patron saint product!
2. What are the advantages of Taikang Baoyu Children's Annuity Insurance over caring for the patron saint of life?
Cut the crap, let's take a look at the product map of the patron saint of love life:
The patron saint of caring for life recommended by senior sister is different from children's annuity insurance, which includes insurance benefits such as education fund and growth fund.
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 knows that the children's expenses are paid by their parents!
Is it true that financial insurance products are limited to children?
Not necessarily, the return from parents' investment can also be used as children's education fund, venture capital and other purposes!
For example, the 30-year-old Lao Wang is insured as the patron saint of caring for life, and pays 65,438+million every year, choosing to pay 10 year. The following is his income:
From the income calculus diagram, we know that in the year of 1 1, Lao Wang has gone through 40 spring and autumn periods, and the cash value of the patron saint of love life has exceeded the premium, which means Lao Wang has returned to his original capital.
When Lao Wang was 40 years old, the income of the patron saint of his loving life began to rise all the way, and the cash value increased sharply in the future!
So how much can Lao Wang earn at the age of 46? You can earn about 440 thousand. If Lao Wang has children around the age of 30, his children will almost need to go to high school when Lao Wang is 46. 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 product of caring for the patron saint of life launched by the insurance company will increase by 365,438+0,000; When Lao Wang is 54 years old, he can earn more than one million!
Then, this money can be left to children, which can be used for children's education and children's entrepreneurship, enough for children to use as housing provident fund to prepare for their own pension!
However, at present, the patron saint of love life has been discontinued, and my senior sister presented the latest upgraded version-Patron Saint 2.0: The income of Patron Saint of Love Life 2.0 shocked me! 》
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 a lot of money for parents when their children have an accident, so we choose to increase whole life insurance to insure for parents themselves. In short, buying insurance can greatly reduce costs!
Moreover, the patron saint of love life has many advantages, such as high compound interest, flexible fund collection and high income. The education cost of three children is enough to insure the patron saint of love life!
Sister Xue has already talked about today's content! Welcome to ask your sister questions about the three-child policy!
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