In this regard, ordinary people have joys and sorrows.
Fortunately, the problems of population structure and aging that plague China's sustainable development will be gradually alleviated; Sadly, it is too much to raise only one child now. How can we live with three children?
Nowadays, the cost of raising a child is high. If you really have three children, people who are the main economic undertakers of the family will have to bear more pressure. Sure enough, they still have to make money first!
But now, if you really want to have more children, you don't have to worry too much about money. Today, I recommend a magic weapon for everyone-Taikang Baoyu Children's Annuity Insurance and Children's Growth Care Education Fund, all of which are included! Now, there is no need to worry about raising children. It can be described as an excellent product to respond to the three-child policy ~
Although the children's annuity insurance is good, you can't just buy it! Want to know the information about children's annuity insurance, just poke the link to browse: Parents must read: Is children's annuity insurance suitable for your children?
Don't waste everyone's time. Let's explain carefully why Taikang Baoyu Children's Annuity Insurance responded to 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?
The following is the product diagram of Taikang Baoyu Children's Annuity Insurance:
Let's analyze the guarantee responsibility of Taikang Baoyu Children's Annuity Insurance. For example, Senior Lao Li has insured his 0-year-old baby for Baoyu Children, with an annual premium of 50,000, and the basic insurance amount is 9,650 when he is 5 years old.
1, Growth Care Fund
With the implementation of the three-child policy, everyone wants to say that raising a child is really expensive, and no one can stand it. Now that the three-child policy has come out, wages are not enough!
Therefore, Taikang Baoyu Children's Annuity Insurance has set up a growth care fund for parents and children. Growth Care Fund refers to the annual payment of basic insurance amount after the contract expires for five years.
Therefore, starting from the sixth year, Lao will receive the baby growth care fund every year, totaling 9650 yuan, so Lao can safely let the baby go to kindergarten!
2. University education grant
Under the background of the three-child policy, the first thing that comes to mind is the children's education fund. Even if the child goes to a state-owned university, the minimum annual expenditure is 1.5 million. So it is also a big expense for ordinary families!
Therefore, Taikang Baoyu children's annuity insurance has the responsibility to protect the university education fund. After reaching the age of 18, 19, 20, 2 1, you will pay twice the basic insurance amount every year from the sixth year when the policy takes effect, which can be used as a university education fund.
In other words, in the four years from the age of 18, you can get an education fund of 19300 yuan every year. For Lao Li's baby, don't worry about the cost of education, don't worry about the family economy!
Step 3 get married and start a career
If a child reaches the age of 28, if he wants to get married and start a business, he can also rely on Taikang Baoyu Children's Annuity Insurance 10 times the basic guarantee, that is, by that time, the child will get married and start a business with a venture fund of 96,500 yuan to help the child buy a house and a car, or it can be regarded as a career fund to help the child get a better life!
It can be known that the Taikang Baoyu Children's Annuity Insurance insured by Lao Li for the 0-year-old baby will get ***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!
The protection of children is a little weak. Don't worry, Senior Sister just takes Taikang Baoyu Children's Annuity Insurance as an example to analyze in detail the policy for dealing with three children. Buying children's annuity insurance is the simplest solution for parents to deal with these problems!
Some partners want to engage in high-yield financial insurance. Let's look at the list below. There is this financial insurance to choose from: if you want to buy high-yield financial insurance, choose from these ten models!
There are many annuity insurance products in the above list, and I believe many friends are confused! Senior, I'll show you one of them right away. Let's take a look at the return of this patron saint product of love life!
2. What are the advantages of Taikang Baoyu Children's Annuity Insurance over caring for the patron saint of life?
Cut the crap, let's take a look at the product map of the 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 advantage is that the insured amount will increase at a rate of 3.6% compound interest every year, and many insurance companies will be confused. Can I be insured without the guarantee responsibilities such as education fund and growth fund?
Everyone knows that the children's expenses are paid by their parents!
Is financial insurance only allowed for children?
Not necessarily, the return of adults on their investment can be used for children's education, or for starting a business, and so on. , can be used!
Suppose 30-year-old Lao Wang is insured as the patron saint of caring for life, and chooses to pay 10 years, and pays 65,438+10,000 yuan every year. The income is as follows:
The income calculus diagram tells us that we are in 1 1 year, and Lao Wang is 40 years old. Judging from the fact that the cash value has exceeded the premium, we know that Lao Wang, the patron saint of caring for life, has already returned to the original.
Since the age of 40, the income of Lao Wang, the patron saint of caring for life, has been rising, especially after that, the cash value has been rising all the way!
So when Lao Wang is 46 years old, he can earn about 440 thousand. If Lao Wang has children around the age of 30, then when Lao Wang is 46, his children will almost go to high school. High school is the most important moment in a child's life, and this money can also be used to give children 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 is 54 years old, he can earn more than one million!
Then, this money can be used for children's education, and it can also be used to help children start businesses. It is enough to buy a house for your child and prepare for your own pension!
However, since the patron saint whole life insurance has been discontinued, Senior Sister presents an upgraded version of this product-Aisheng Patron Saint 2.0. Interested friends can click: I calculated the real income of Aisheng Patron 2.0, which was shocking.
To sum up, the three-child policy is not so terrible. The really terrible reason is that people don't know how to invest! Whether it is to insure children's annuity insurance or parents to buy extra whole life insurance for themselves, it is an effective way to solve the family's economic pressure!
Moreover, the patron saint of love life has many advantages, such as high compound interest, flexible fund collection and high income. The patron saint of love life escorts children's education expenses!
About today's content, senior, that's all! Welcome to ask your sister questions about the three-child policy!
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