As soon as the news came out, major analysts quickly occupied the circle of friends and Weibo's content, and people had different opinions.

On the positive side, it is conducive to improving China's population structure and coping with the problem of population aging; What is even more annoying is that raising one child is a problem, let alone three.

Male friends say that pressure is high, and making money is king!

However, do you know Taikang Baoyu Children's Annuity Insurance? This product can be good, and it is all-inclusive for children's growth care and education! It can be said that it is a good way for the three-child policy ~

Even if the children's annuity insurance is really excellent, it does not mean that it is suitable for everyone! This article is recommended for everyone to read: Will children's annuity insurance suffer? How can I choose the right product?

Don't waste everyone's time. Let's explain carefully why Taikang Baoyu Children's Annuity Insurance can cope with the three-child policy. Friends who want to continue to understand, read on!

1. Is the income of Taikang Baoyu Children's Annuity Insurance considerable?

Product diagram of Taikang Baoyu Children's Annuity Insurance:

Come and learn about the guarantee responsibility of Taikang Baoyu Children's Annuity Insurance from Senior Sister. Senior sister will give you an example. Lao Li insured a Baoyu children's annuity insurance plan for his 0-year-old baby, with an annual payment of 50,000 yuan and a basic insurance amount of 9,650 yuan.

1, Growth Care Fund

After the publication of the three-child policy, everyone's idea is: the cost of raising a child is so high, it is enough to have one child, and those three children are not trying to empty the family!

So this product has set up a growth care fund for everyone. After the contract comes into effect for 5 years, the basic insurance amount will be paid every year as the growth care fund.

From the sixth year, Lao Li's baby can receive 9650 yuan of growth care money every year, which is enough for kindergarten!

If this income is too small, let's take a look at the children's annuity insurance with high income in 202 1 year: the eight education funds with the highest income in 202 1 year!

2. University education grant

With the arrival of the three-child policy, everyone must give priority to children's education funds. However, even in state-owned universities, it costs at least 1.5 million a year, so it is also a burden for ordinary families!

Taikang Baoyu Children's Annuity Insurance undertakes the responsibility of protecting the university education fund. Not only from the sixth year when the policy takes effect, but also from 18, 19, 20, 2 1 year, the university education fund pays twice the basic insurance amount every year.

It means that in the next four years, you can get a university education fund of 19300 every year, but from the age of 18 of Lao Li's baby, the education expenditure will be guaranteed, so don't worry about the family economic pressure!

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 is a family fund of 96,500 yuan to help the child buy a house or a car, or use it as a career fund to help the child start a new life!

As mentioned above, Lao Li insured Taikang Baoyu Children's Annuity Insurance for the 0-year-old baby until the baby reached the age of 28, so the insurance premium he received was 299 150 yuan.

From this point of view, the income of Taikang Baoyu Children's Annuity Insurance is not high, which makes people feel very confused!

The protection of children is a little weak. Don't worry, Senior Sister just takes Taikang Baoyu Children's Annuity Insurance as an example to analyze in detail the policy of dealing with three children. Parents can deal with it by buying children's annuity insurance!

Then let's choose an excellent insurance to introduce it, and then look at the benefits of the patron saint of love life!

2. What are the advantages of Taikang Baoyu Children's Annuity Insurance over caring for the patron saint of life?

Not much to say, let's take a look at this product map of caring for the patron saint of life:

The guarantee responsibility of education fund and growth fund is not the outstanding feature of this product. 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! Is financial insurance only allowed for children?

It doesn't have to be like this. The income from parents' investment can also be used for children's education, or you can start a venture capital, which is feasible!

If the 30-year-old Lao Wang is insured as the patron saint of love life and chooses the payment period of 10, then he needs to pay 65438+ ten thousand yuan every year, and his income is as follows:

In the income calculus chart, we can know that in 1 1 year, Lao Wang is 40 years old at this time, and the cash value of the patron saint of love life has exceeded the premium, which means that Lao Wang has returned to his capital.

Since the age of 40, Lao Wang's income has been rising on the patron saint who loves life. In the later period, the cash value has risen even faster!

In other words, after six years, Lao Wang will probably get a profit of 440,000 yuan. Even if Lao Wang has children around the age of 30, his children should not go to high school before 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 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 left it to his children to start a business, enough for them to use as a house purchase fund to prepare for their own pension!

Want to continue to understand the patron saint of love life: you will be surprised after calculating the income of patron saint 2.0 life!

To sum up, the three-child policy is not so terrible. The terrible thing is that everyone doesn't know how to invest! Whether it is children's annuity insurance, insurance for children, or increasing the amount of whole life insurance, parents are insured by themselves, and the income brought is enough to solve all the expenses of children!

Moreover, the patron saint of love life has the characteristics of high compound interest, flexible fund collection and high income. If you choose to insure the patron saint of love life, it will greatly reduce your child's education expenses!

Let's call it a day. If you still have some ideas about the three-child policy, you can learn from your sister privately!

Write it at the end

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