As soon as the news came out, platforms such as friends circle and Weibo were crowded by major analysts, and some people were happy and others were sad.

What is gratifying is that the problem of population aging and population structure will usher in improvement; Sadly, it is not easy to raise one child, and it is even more difficult to have three.

In this context, today I want to analyze a magic weapon-Taikang Baoyu Children's Annuity Insurance, which contains children's growth care fund and education fund. It is an excellent product in the era of three-child policy ~

Even if the children's annuity insurance is really excellent, it does not mean that it is suitable for everyone! In this article, Senior Sister suggested that everyone take a look: "Is it necessary to buy children's annuity insurance? How to choose? 》

Cherish time, senior. Let's study it with everyone. If you want to know the answer, look down!

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

The product schematic diagram of Taikang Baoyu Children's Annuity Insurance is as follows:

Want to know what is the guarantee responsibility of Taikang Baoyu children's annuity insurance, read on. Senior sister will give you an example. Lao Li insured Baoyu Children's Annuity Insurance Plan for his 0-year-old baby, which was paid in five years, with an annual payment of 50,000 yuan and a basic insurance amount of 9,650 yuan.

1, Growth Care Fund

After the three-child policy was confirmed, everyone said: raising a child is not a small expense, and everyone is difficult. 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.

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

2. University education grant

In view of the three-child policy, the children's education fund must be everyone's greatest concern. Even if a child goes to a state-owned university, he needs at least 1.5 million a year. Three children are really a burden to ordinary families!

Therefore, Taikang Baoyu Children's Annuity Insurance has the function of guaranteeing university education funds. The age should not only reach 65,438+08,65,438+09,20,265,438+0, but also the education fund of the university will pay twice the basic insurance amount every year from the sixth year when the policy comes into effect.

That is to say, in the four years from the age of 18, old Li Can will receive an education fund of 19300 yuan every year, and the education expenses of old Li's baby will be guaranteed, which can alleviate the family's economic pressure to some extent!

Step 3 get married and start a career

After the child reaches the age of 28, Taikang Baoyu children pay 10 times the basic insurance amount, which can be used as a fund for starting a family, that is, 96,500 yuan can be used to help children buy a house or a car, or as a career fund.

From this point of view, Lao Li insured Taikang Baoyu Children's Annuity Insurance for the 0-year-old baby, so when the baby was 28 years old, the accumulated insurance money received at that time was 299 150 yuan.

The income of this Taikang Baoyu children's annuity insurance doesn't look high either, which makes some friends feel puzzled!

Don't worry too much. Senior sister just takes Taikang Baoyu children's annuity insurance as an example to analyze how to deal with the three-child insurance policy. Buying children's annuity insurance is the simplest solution for parents to deal with these problems!

Everyone wants to have a high-yield financial insurance. Let's take a look at this financial insurance. You can choose one of them: "if you want to buy high-yield financial insurance, then choose the top ten financial insurance!" 》

There are many annuity insurance products in the above list, and I think many friends are dazzled! No, the intimate senior is about to choose one for everyone to analyze. Let's take a look at the benefits of this patron saint of love life 2.0!

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

Nothing else, let's take a look at the product map of this patron saint of love life:

Do you want to know why this product has no guarantee responsibilities such as education fund and growth fund? In fact, it has its own outstanding characteristics.

Its biggest highlight is that the insured amount is compounded at a rate of 3.6% every year. Many insurance whites are puzzled. They lack the guarantee responsibilities such as education fund and growth fund. Can they buy with confidence?

As we all know, children have no ability to make money, and all the expenses come from their parents! In other words, the more parents earn, the more secure their children's lives will be. In this way, if parents invest in a good financial product, the proceeds can be used for their children's education!

For example, the 30-year-old Lao Wang insured the patron saint of Aisheng 2.0, paying 654.38+ 10,000 yuan a year and choosing to pay 654.38+00 years. The following is his income:

As can be seen from the income calculus diagram, 1 1 year, Lao Wang is 40 years old, and Lao Wang got back the principal, because the cash value of Aisheng Guardian 2.0 is not lower than the premium.

After the age of 40, the income of the patron saint of Lao Wang's love life 2.0 is rising, especially in the later period, the cash value is like flying like a rocket!

By the time Lao Wang was 46, he had earned about 440,000 yuan. Even when Lao Wang was 30 years old, the child 1 year old, and when Lao Wang was 46 years old, the child went to high school. The cost of children's high school education is not a small sum, but the money is still quite sufficient!

When Lao Wang is 50 years old, this product of Aisheng Guardian 2.0 will add 3 1 10,000 yuan. When Lao Wang was fifty-four, he had already made a net profit of one million!

Then, with the money, Wang Can Sr used it in many places, such as education fund and venture capital for his children, buying a house for his children and preparing for his retirement. This money is enough!

Senior sister left this detailed evaluation article about the patron saint of love life 2.0 here. If anyone wants to know, you can have a look: How high is the income of Aisheng Patron 2.0 in whole life insurance? 》

Therefore, everyone only needs to treat the three-child policy with a normal heart! Whether buying children's annuity insurance, or insuring yourself and buying yourself an increased whole life insurance, insurance can effectively solve a series of problems brought by children!

In addition, high compound interest growth, flexible fund collection and high income are the characteristics of the patron saint of Aisheng 2.0. Insuring the patron saint of love life can relax the education expenses of three children!

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.

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