I suggest you choose the old-age security of Pacific Insurance Company or the old-age security of Children's Music. Both types of insurance are guaranteed insurance that gives consideration to both protection and investment. Among them, Zhuang has a university education fund and the benefits of lifelong dividends. Children's music is mainly based on education funds. You can choose junior high school, senior high school and university to pay education funds separately, or senior high school and university to pay, or you can only pay in the university. There are three options. In your case. The annual payment is less than 1500 yuan, which can meet the basic tuition for children to go to school.
At the same time, you can also choose to buy Pacific Wealth for your son every year and return 8% of the insured amount every two years, or you can choose to receive it once a year. Please note that it is 8% of the insured amount, not 8% of the premium, and it will be returned once a year. Moreover, from the corresponding date of 2 1 effective date of the contract, 5% of the insured amount will be returned every year until life. If you don't receive all the bonuses and survival funds, you will get paid. Your child can buy insurance for two generations, which means that you pay the insurance premium for him now, and the burden on all aspects of the family is not very heavy now. You can put the annual survival money in first, and calculate the interest. After 20 years, your son will get married and have children, and you can take some of it to do everything for him. After retirement, you can use it as a pension. After a hundred years, the beneficiary will naturally be transferred to your son himself, and he will use it to support the elderly. . At the same time, you can also spend it like this: when children are young, spend less tuition, save money and bonuses, and then take them out when they go abroad for further study. Then because they have them every year, they can continue to accumulate them for you and take them out when the children get married. . . . Another advantage of buying for children is that the premium is lower and the benefit time is relatively long.
Hongyun Niannian+Hospitalization+Accident Protection