As soon as the news came out, the circle of friends and Weibo were occupied by major analysts, and they were divided into two aspects: some people were happy and others were sad.

Fortunately, the problems of population structure and aging that plague China's sustainable development will be gradually alleviated; What everyone is worried about is that it is difficult to raise one child now, and it is even more difficult to have three more.

Male friends say that the pressure is huge, and making money is the top priority!

Perhaps, just like this good thing that my senior sister brought to my friends today-Taikang Baoyu Children's Annuity Insurance, Children's Growth Care Fund, Education Fund, etc. , it is all-inclusive! It can be said that it is a good way for the three-child policy ~

Even if the children's annuity insurance is really excellent, it does not mean that it is suitable for everyone! The purchase strategy summarized by the following senior sister is worth a look: "Parents must read: Will children's annuity insurance suffer?" 》

Time is precious. Let's give you a detailed analysis. What is the reason why Taikang Baoyu Children's Annuity Insurance can handle the three-child policy? Friends who want to continue to understand, read on!

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

Let's take a look at the product map of Taikang Baoyu Children's Annuity Insurance:

Next, I will learn about the guarantee responsibility of Taikang Baoyu Children's Annuity Insurance with my senior sister. For example, Lao Li insured his 0-year-old baby for Baoyu children, with an annual premium of 50,000, and the basic insurance amount is 9650 when he is 5 years old.

1, Growth Care Fund

Once the three-child policy is liberalized, in everyone's view, raising a child is really high consumption, and no one can stand it. Now that the three-child policy has come out, wages are not enough!

In view of this situation, Taikang Baoyu Children's Annuity Insurance established the Growth Care Fund. After the contract comes into effect for 5 years, the basic insurance amount will be paid every year as the growth care fund.

Therefore, starting from the sixth year, old Li Can will receive the baby's growth care fund every year, totaling 9650 yuan, which is enough for kindergarten!

If this income is too small, then you should take the children's annuity insurance with high income in 202 1 year summarized by your senior sister as your consideration basis: "Specific research on the eight education funds with the highest income in 202 1 year! 》

2. University education grant

After the liberalization of the three-child policy, the first issue we should pay attention to should be the children's education fund. However, at least10.5 million of state-owned university fees every year will really bring great pressure to ordinary families!

Therefore, increasing the responsibility of university education fund is a highlight of Taikang Baoyu Children's Annuity Insurance. From the sixth year after the policy takes effect, the age should reach 18, 19, 20, 2 1, and the university education fund comes from twice the amount of basic insurance paid every year.

After Liu's baby reaches the age of 18, he can receive a university education grant of 19300 every year for the next four years, without having to bear huge education expenses, and his family economy will return to normal!

Step 3 get married and start a career

Taikang Baoyu Children's Annuity pays 10 times the basic amount, which can be used as a fund for children to get married and start a business at the age of 28. It can be understood that children can get married and start a career fund that is conducive to buying a house and a car. The amount of this money is 96,500 yuan, which can also be used as a career fund to make children's lives happier!

Generally speaking, Lao Li insured Taikang Baoyu Children's Annuity Insurance for a 0-year-old baby until the baby turned 28, so the insurance premium he got was 299 150 yuan.

If you have friends, you will be confused. Taikang Baoyu children's annuity insurance income is not high!

I failed to be perfect and calm in child protection. My senior just took Taikang Baoyu Children's Annuity Insurance as an example and analyzed the corresponding three-child insurance policy for everyone. Parents can solve the problem by buying children's annuity insurance!

If everyone wants high returns, then take a look at this financial insurance. You can choose one of them: Top Ten High-yield Financial Insurance Rankings! 》

There are many annuity insurance products in the above list, and I think many friends are dazzled! I'll choose a product to introduce to you right away, so let's take a look at the benefits of the patron saint of love life!

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:

The patron saint of caring for life recommended by senior sister is different from children's annuity insurance, which includes insurance benefits such as education fund and growth fund.

Its biggest highlight is that the insured amount is compounded at a rate of 3.6% every year. I don't understand a lot of insurance, and neither do I. I lack the responsibility of ensuring education fund and growth fund. Is it worth buying?

Everyone knows that the children's expenses are paid by their parents!

Is there a rule that only children can buy financial insurance?

Not necessarily. Adults can get a return on their investment, which can be used as a fund for children's education or for starting a business. , can be used!

For example, the 30-year-old Lao Wang insured the patron saint of caring for life and chose to pay 65,438+10,000 yuan a year, 10 year. The income is as follows:

From the income calculus chart, we know that 1 1 year, Lao Wang has gone through 40 spring and autumn periods, and Lao Wang has got his capital back, because the cash value of the patron saint of love life is not lower than the premium.

After the age of 40, the income of the patron saint of Lao Wang's love life has been rising, especially in the back, the cash value has been rising all the way!

So how much can Lao Wang earn at the age of 46? You can earn about 440 thousand. Even if Lao Wang has children around the age of 30, his children will not be able to go to high school until Lao Wang is 46. 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!

At the age of 50, the insurance products of the patron saint of love life will increase by 365,438+0,000 yuan again; When Pharaoh is 54 years old, his income will exceed 1 10,000!

Then, Wang Can Sr left all the money to his children, which can be used for their education and entrepreneurship. This money is enough to buy a house for children and prepare for their own pension!

It can be seen that we don't have to be so afraid of the three-child policy, for fear that we don't know how to invest! Choosing children's annuity insurance to insure children, increasing whole life insurance can solve the expenses caused by parents' accidents, and the resulting income is enough to solve all the expenses of children!

Moreover, the patron saint of love life has the advantages of high compound interest, flexible fund collection and high income. The patron saint of love life can help pay for the education of three children!

Senior can make an end to today's content! If you still have some ideas about the three-child policy, you can trust your sister privately!

Write it at the end

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I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.

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