Hello, children's insurance recommends Prudential's "New Generation" plan, which includes life insurance, education security and old-age security. Take 1 year-old BB as an example: the life insurance amount is: 789,000 (continuous accumulation); Pay 20,000 yuan a year, pay 10 years, and pay 200,000 yuan in total. At this time, 654,380+097,000 yuan can be returned, and the guarantee will continue to be effective and guaranteed for life. At this time, the accumulated life insurance amount is 654,380+0.6 million yuan.

When a child is 30 years old, he can take out all the cash value of 489,000 yuan for marriage, and the accumulated life insurance amount is 2,265,438+0,000 yuan;

Or when the child retires at the age of 60, accumulate 2.8 million for your child as a retirement pension fund, and the accumulated life insurance amount at this time is 4.6 million;

Or retire at the age of 65 and accumulate 3.6 million yuan for children as a retirement pension fund. At this time, the accumulated life insurance amount is 5.2 million yuan.

Of course, the longer you accumulate, the more retirement protection you will give your child, and at the same time, you will also give your family a protection (for example, you can get a compensation for accidental death or disability among the insured, for example, when he is 65 years old, his family will get 5.2 million compensation). In addition, the increase or decrease of premium is directly proportional to the insured amount, such as halving the insured amount and halving the premium, which is convenient for calculating the insured amount you want and the premium payable.