13 years old children, if the cost is 20000, the insured amount should be 25000. Return every two years before the age of 60 10% insured amount = 1250, and every year after the age of 60 1500.
The annual dividend is not based on 20,000 or 60,000, but the cash value of dividend-paying products. Cash value is the remaining part of the insurance company after deducting operating expenses and handling fees. The cash value of Jinyu is about 30% compared with the first year, and it will increase year by year. In the third year, it is about 50% of the principal. Therefore, according to the theory of 6.5%, the specific annual income is about 500 in the first year and about 2000 in the third year. It is best to refer to the product plan provided by the agent, which is clear at a glance.
Jin Yu's repayment period is generally 8 years. Of course, the return here refers to all the benefits that belong to you. (Cash value+accumulated refund+accumulated bonus)
18 years old, can receive the previous two accumulated refunds and past bonuses as an education fund. Less than 15000, only once.
/kloc-If you want to continue after the age of 0/9, you can only receive a fixed return plus the bonus of that year.
If there is a problem with the funds, you can make a policy loan at the age of 20 and return the dividends unchanged. Besides interest, you still have income. Take the points and leave.