Once the news was conveyed, major websites, Weibo and friends circle were screened by major analysts, and there were two aspects: some people were happy and others were sad.
People are glad that solving the problem of population structure and aging is conducive to China's sustainable development; 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 feel a lot of pressure, and the taste of making money really smells good!
Therefore, this good thing that my senior sister brought to my friends today-Taikang Baoyu Children's Annuity Insurance covers children's growth care and education funds! It is a good way under the background of the three-child policy ~
Although the children's annuity insurance is good, you can't just buy it! The purchase strategy summarized by the following senior sister is worth a look: "Parents must read: Is the children's annuity insurance really good? 》
Time is precious, senior. Let's give you a detailed analysis. If you want to know the answer, 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:
Want to know what is the guarantee responsibility of Taikang Baoyu children's annuity insurance, read on. For example, Lao Li insured a 0-year-old boy with Baoyu children's annuity insurance. The basic insurance coverage is 9650 yuan, and the annual insurance premium is 50000 yuan.
1, Growth Care Fund
When the three-child policy is confirmed, everyone will have something to say: raising a child is really expensive, and no one can stand it. Aren't those three children going to empty their homes!
No, Taikang Baoyu Children's Annuity Insurance has set up a growth care fund intimately. After the contract comes into effect for 5 years, the basic insurance amount will be paid every year as the growth care fund.
In this way, after the sixth year, old Li Can received 9650 yuan of baby growth care money every year, and the money for kindergarten was completely enough!
If the income is too small, you can extract the information you need from the 202 1 high-income children's annuity insurance compiled by your senior sister: "202 1 8 academic degrees with the highest income!" 》
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. But a child needs at least 1.5 million (public colleges and universities) every year, which will also cause economic pressure on ordinary families!
In order to solve this problem, Taikang Baoyu Children's Annuity Insurance attaches the guarantee responsibility of university education fund. The age should not only be 18, 19, 20, 2 1, but also pay twice the basic insurance amount as the university education fund every year from the sixth year when the policy takes effect.
If you want to get a college degree of 19300 every year, you have to let Lao Li's baby reach 18 years old, and it will take four years to do it online. This not only ensures the education cost, but also reduces the family's economic pressure, killing two birds with one stone!
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. It can be understood that children can get a family fund that is conducive to buying a house and a car. The amount of this money is 96,500 yuan, or as a career fund, which will open a new chapter in children's lives!
It can be known that the Taikang Baoyu Children's Annuity Insurance insured by Lao Li for the 0-year-old baby has accumulated 299 150 yuan until the baby is 28 years old.
From this point of view, the income of Taikang Baoyu Children's Annuity Insurance is not high, which makes people feel very confused!
The protection of children is not very strong. Don't worry, senior just takes Taikang Baoyu children's annuity insurance as an example to analyze and deal with the three-child policy in detail. Parents can deal with it by buying children's annuity insurance! Many annuity insurance products are in the above list, and many friends may have seen them! 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?
If nothing else, you can learn about the product map of the patron saint of love life together:
The guarantee responsibility of education fund and growth fund is not the outstanding feature of this product.
Its most notable feature is that the insured amount will increase with compound interest of 3.6% every year. Many newcomers don't understand that it doesn't include the guarantee responsibilities such as education fund and growth fund. Is this kind of insurance worth insuring?
As we all know, all the expenses of children are borne by parents!
Can financial insurance only be bought for children?
Not necessarily, the return from parents' investment can also be used as children's education fund, venture capital and other purposes!
For example, the 30-year-old Lao Wang is insured as the patron saint of caring for life, and pays 65,438+million every year, choosing to pay 10 year. The following is his income:
According to the income calculus diagram, in the 1 1 year of the policy, 40 years old is Lao Wang's age, and the cash value of caring for the patron saint of life has surpassed it in terms of premium, in other words, Lao Wang has no loss.
Since the age of 40, the income of Lao Wang, the patron saint of his love life, has been rising continuously, and the future cash value has increased dramatically!
In other words, when Lao Wang is 46 years old, he can earn about 440 thousand. Even if Lao Wang is 30 years old, the child 1 year old and Lao Wang is 46 years old, the child will only go to high school. High school is the most critical time, just this money can also be used as a child's high school education expenses!
When Lao Wang is 50 years old, this product will appreciate by 3 1 1,000 yuan. When Lao Wang was fifty-four, he had already made a net profit of one million!
Then, old Wang Can used the money as his children's education fund or venture capital, which was enough to give his children a house purchase fund and prepare for their own pension!
However, at present, the patron saint of love life has been discontinued, and the school sister presented the latest upgraded version-Patron Saint 2.0: the real income of Patron Saint 2.0 for life. I am surprised! 》
In other words, the three-child policy is not as scary as everyone thinks, and I'm afraid everyone who doesn't understand investment will suffer! If a child has an accident, then the children's annuity insurance can come in handy, and the increased whole life insurance can also come in handy when the parents themselves have an accident. The role of insurance is to reduce the cost of raising children for parents!
Moreover, the patron saint of love life has the advantages of high compound interest, flexible fund collection and high income. If you choose to insure the patron saint of love life, you don't have to worry about your child's education expenses!
Senior can make an end to today's content! Welcome to ask your sister questions about the three-child policy!
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