As soon as the news came out, the circle of friends and Weibo were occupied by major analysts, and people had different opinions, some supported and some did not.
The problem of population structure and population aging will be gradually improved, which is what people like to see; But for everyone, the cost of raising a child is high enough, let alone three.
Male friends say that pressure is high, and making money is king!
However, there is a good thing that everyone must know, that is, Taikang Baoyu Children's Annuity Insurance, Growth Care Fund and Education Fund are all included! More useful in front of the three-child policy ~
Even if the children's annuity insurance is excellent, don't follow suit directly! The following purchase strategies summarized by the senior sister are worth seeing: Parents must read: Will the children's annuity insurance lose money?
Don't waste everyone's time. Senior, let me tell you some details below. If you want to know the answer, read on!
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:
Next, I will learn about the guarantee responsibility of Taikang Baoyu Children's Annuity Insurance with my senior sister. For example, Lao Li insured Baoyu Children's Annuity Insurance for his 0-year-old baby, and chose to pay it in five years, with an annual premium of 50,000 yuan and a basic insurance amount of 9,650 yuan.
1, Growth Care Fund
Once the three-child policy is liberalized, raising a child is a big expense for everyone, and everything is very difficult. If you want to raise three children, the salary now is definitely not enough!
No, Taikang Baoyu Children's Annuity Insurance came with the Growth Care Fund. Five years after the contract comes into effect, the basic insurance amount will be paid to the customer as a 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 is enough to meet the kindergarten tuition!
2. University education grant
In the face of the three-child policy, what everyone is most worried about is definitely the children's education fund. 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 will expand protection. For example, the responsibility of bringing in the university education fund should not only start from the sixth year when the policy comes into effect, but also reach the age of 65,438+08,65,438+09,20,265,438+0, and the university education fund will pay twice the basic insurance amount every year.
It means that in the next four years, you can get the university education fund of 19300 every year, but you should ensure the education expenses and reduce the financial burden of your family from the age of 18!
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 of the basic insurance amount as a family fund, which means that there is a family fund of 96,500 yuan, which can help the child buy a house and a car, or as a career fund to help the child get a new life!
Generally speaking, the Taikang Baoyu Children's Annuity Insurance insured by Lao Li for a 0-year-old baby will receive ***299 150 yuan when the baby is 28 years old.
Some people will wonder that Taikang Baoyu Children's Annuity Insurance has a low income! Sister Xue guessed that everyone might think so. If you want high-yield financial insurance, then choose one from this financial insurance list: these ten financial insurances all include high-yield financial insurance!
Many excellent annuity insurance products are listed in the above list, and many friends are dazzled! No, the intimate senior will choose one to analyze for everyone, and everyone will know how effective this patron saint of love life is!
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 advantage is that the insurance coverage will increase at a rate of 3.6% per year. Many insurance companies ask, can you buy without the protection responsibilities such as education fund and growth fund?
Undoubtedly, children's expenses come from their parents!
Is it only children who can take out financial insurance?
Not necessarily, the return of adults on their investment can be used for children's education and entrepreneurship.
If Lao Wang is insured as the patron saint of caring for life at the age of 30 and chooses to pay 10, he needs to pay 65,438+10,000 yuan every year. What is his income?
According to the income calculus chart, just in the 1 1 year of the policy, 40 years old is Lao Wang's age, and Lao Wang got back the principal, because the cash value of the patron saint of love life is not lower than the premium.
Since Pharaoh was 40 years old, the income of the patron saint of love life has been rising, and the cash value will increase sharply in the future!
By the time Lao Wang was 46, he had earned about 440,000 yuan. Suppose Lao Wang is 30 years old and his children are 1 years old, then by the time Lao Wang is 46 years old, his children are probably high school students. High school is the most important moment in a child's life, and this money can also be used to let children receive a better education!
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, Lao Wang used the money for children's education fund and venture capital, enough for children to buy a house and prepare for their own pension!
Of course, if anyone wants to know the detailed evaluation results of the patron saint of love life, the intimate seniors have been preserved. Poke here to satisfy your curiosity: Is the patron saint of Love Life 2.0 really good for life?
To sum up, the three-child policy is not so terrible. I am afraid that everyone does not know how to invest! Whether it is children's annuity insurance, insuring children, or choosing to increase whole life insurance's insurance coverage for parents themselves, the benefits brought by this are enough to solve all the expenses of children!
In addition, the patron saint of love life has more outstanding advantages because of its 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 cost!
So, today's content learning sister is here! You also want to know what measures can be used to deal with the three-child policy, and learn from your sister in private!
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