Tiantianxiang Children's Annuity Insurance and Jinzhuangyuan Annuity Insurance are two very popular products on the market. So, between the two, which one will perform better?

Next, the senior sister will conduct an evaluation on them to see what the results will be.

Before explaining, it is best for everyone to understand the pitfalls of annuity insurance: "Learn this trick and stay away from 99% of the pitfalls of annuity insurance" 1. The protection content of Tiantian Xiangshang annuity insurance is disclosed!

Still the same, let me first show you the product picture of Tiantian Shangxiang Annuity Insurance: The insurance rules of Tiantian Shangxiang Annuity Insurance are set very well, such as the payment period is very flexible and so on.

In terms of protection content, it includes education benefits, maturity insurance benefits, death insurance benefits, policy loans, annuity conversion rights, etc.

Friends who want to continue to study the protection responsibilities of Tiantian Shangxiang annuity insurance can read this article: "It is said on the Internet that Tiantian Shangxiang children's annuity insurance is for children, but have you noticed this?

》The senior sister will give you an example of a 0-year-old child who has to pay a premium of 100,000 yuan every year, and pay it in three years, with a cumulative premium of 300,000 yuan.

Let’s take a look at the Tiantian Shangfang Annuity Insurance Benefit Calculation: 1. College Education Benefit. When a 0-year-old baby reaches 18-21 years old, he can receive 60,000 yuan in education and education benefits every year, and a total of 240,000 yuan can be received in these years.

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When the baby reaches the age of 30, he can receive a maturity insurance benefit of 100% of the basic insured amount, which is 503,200 yuan, and the interest rate is 3.67%.

2. Further education subsidy. When a 0-year-old baby is between 22 and 24 years old, he or she can receive an education subsidy of 60,000 yuan each year, and a total of 180,000 yuan.

When the child turns 30, the insurance company will return the maturity payment, which is a one-time return of 100% of the basic insured amount, which is 629,300 yuan, with an interest rate of 3.70%.

3. The insured person of the university & further education pension combination can receive education pension from the age of 18 until the age of 24.

When you are 30 years old, you can receive an education fund of 420,000 yuan in one lump sum, plus the maturity insurance premium of 265,600 yuan, for a total of 685,600 yuan, with a yield of 3.64%.

2. Is Evergrande Golden Champion Annuity Insurance worth buying?

As usual, let’s first take a look at the protection content of Evergrande Jinzhuangyuan Insurance Annuity Insurance?

Evergrande Golden Champion Annuity Insurance is actually a financial management insurance launched by Hongda Insurance Company. It has been rumored on the Internet that this product provides children with high school education expenses, college education expenses, and entrepreneurial funds. This policy covers them all.

All of them!

Whether it is really so exciting, we will evaluate it right away.

As for the income from Evergrande Golden Champion annuity insurance, the senior student took the example of Li’s 0-year-old baby purchasing an Evergrande Golden Champion annuity insurance with an insurance amount of 100,000 yuan. The annual premium paid was 74,184 yuan.

As an example, if you pay it in three years, let’s calculate the income of Evergrande Golden Champion annuity insurance for everyone.

1. High school education fund According to the content stipulated in the contract, the high school education fund can actually obtain 30% of the basic insured amount when the insured is 15 to 17 years old, and Li has insured his child with Evergrande with an insured amount of 100,000.

To put it simply, the Jinzhuangyuan annuity insurance means that when the child is 15-17 years old, the money received every year is 30,000 yuan. This is converted into a total of 90,000 yuan for the child's high school education fund.

2. University Education Fund Evergrande Gold Scholar Annuity Insurance When children are in high school, they can receive 50% of the basic insurance amount between the ages of 18 and 21. This also means that children can receive 50,000 yuan per year.

For education funds, a total of 200,000 yuan can be received for four years of college.