Today, Taikang Baoyu Children's Annuity Insurance is grandly launched for everyone. Including the child's growth care fund and education fund, the guarantee content is very good! It is a good choice under the background of the three-child policy ~ the biggest disadvantage is that the income is not so high. Let's analyze it in detail!
1. Is the income of Taikang Baoyu Children's Annuity Insurance considerable?
Product diagram of Taikang Baoyu Children's Annuity Insurance:
Then let's study the guarantee responsibility of Taikang Baoyu Children's Annuity Insurance. For example, Lao Li insured a 0-year-old boy with Baoyu children's annuity insurance. The basic insurance coverage is 9650 yuan, and the annual insurance premium is 50000 yuan.
1, Growth Care Fund
With the implementation of the three-child policy, everyone wants to say that raising a child is really expensive, and no one can stand it. If you have more children, you can't afford milk powder!
No, Taikang Baoyu Children's Annuity Insurance came with the Growth Care Fund. The contract takes effect for 5 years, and the product pays the basic insurance amount every year as the growth care fund.
Therefore, in the sixth year and beyond, Lao Li's baby will receive a growth care fund every year, a ***9650 yuan, which can fully meet the children's money for kindergarten!
If you think this income is not small, you can take a look at the 202 1 year high-yield children's annuity insurance compiled by your senior sister: "202 1 year evaluation of 8 education funds with the highest rate of return!" 》
2. University education grant
The three-child policy, everyone's focus should be on children's education funds, but the children's college expenses, at least 1.5 million (institutions) a year, are really a burden for ordinary families!
Therefore, increasing the guarantee responsibility of university education fund is a highlight of Taikang Baoyu Children's Annuity Insurance. From the sixth year when the policy comes into effect, the age is 18, 19, 20, 2 1 respectively, and the university education fund pays twice the basic insurance amount every year.
In other words, Lao Li's baby wants to get a university education fund of 19300 every year for the next four years from the age of 18, so as to solve the education expenses and relieve the family's economic pressure!
Step 3 get married and start a career
As long as the child reaches the age of 28, Taikang Baoyu's annual insurance coverage for children is 10 times the basic insurance coverage, which can be used as the fund for starting a family, that is, the child has 96,500 yuan to buy a house and a car, and can also be used as the career fund to help the child get a new life!
In short, Lao Li insured Taikang Baoyu Children's Annuity Insurance for the 0-year-old baby until the baby reached the age of 28, and received a total of 299 150 yuan.
Friends will know that Taikang Baoyu children's annuity insurance income is not too high!
This product doesn't give enough protection to children. Calm down. Here, Xue Jie just takes Taikang Baoyu Children's Annuity Insurance as a case to analyze and deal with the three-child policy for everyone!
Some partners want to engage in high-yield financial insurance. Let's take a look at the following list: "10 financial insurance escorts the purchase of high-yield financial insurance! 》
Many excellent annuity insurance products are listed in the above list, and most of my friends must have seen them! No, the senior is going to choose one for everyone to analyze. Let's take a look at the return of this patron saint product 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?
Needless to say, everyone knows that all the expenses of children are paid by parents!
Adults' income from investing in themselves can also be used as children's education funds, venture capital and other purposes!
The 30-year-old Lao Wang chose to insure the patron saint of love life, and the payment period was 10 year. He needs to pay 654.38 million yuan every year, and his income is as follows:
From the income calculus diagram, we can know that in the year of 1 1, Lao Wang was 40 years old, and the cash value had exceeded the premium. Lao Wang, the patron saint of love life, had returned to his original capital.
Since Pharaoh was 40 years old, the income of the patron saint of love life has been rising, especially after that, the cash value has been rising all the way!
In a few years, Lao Wang will be 46 years old, and he won't earn 440 thousand. According to the situation of most families, if Lao Wang wants a child around 30 years old, his child will probably not be able to go to high school until Lao Wang is 46 years old. This money is enough for his children's high school education!
When Lao Wang is 50 years old, this product will appreciate by 365,438+0,000. When Lao Wang is 54 years old, he can get a net income of more than 654.38+0 million!
Then, Wang Can Sr used the money as a fund for children's education, or as a fund for venture capital, house purchase, and a reserve fund for his own pension. With this money, he can solve it!
Of course, if anyone wants to know the detailed evaluation results of "Guardian of Love Life", you can read this article: "I was shocked by the real benefits of" Guardian of Love Life 2.0 "!" 》
To sum up, raising three children is not as terrible as everyone thinks, but everyone doesn't understand that investment is a terrible thing! On the one hand, parents should buy children's annuity insurance for their children, and the increase of whole life insurance can come in handy when parents have their own accidents, bringing enough income to solve the child's parenting expenses!
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!