What is gratifying is that the problem of population aging and population structure will usher in improvement; Everyone mainly considers that it is not easy to raise one child, and it is even more difficult to raise three.
Male friends feel great pressure, making money is king!
However, there is a good thing that everyone must know, that is, Taikang Baoyu Children's Annuity Insurance, Children's Growth Care Fund and Education Fund. And don't leak! It is a good way under the background of the three-child policy ~
Although the children's annuity insurance performs well, it is not arbitrarily configured! Want to know about children's annuity insurance, just poke the link to browse:
《? Is it necessary to buy education fund insurance? How to choose the right product? 》
Don't waste everyone's time. I will tell you more carefully below. Friends who are interested in the answer can look down!
1. Is the income of Taikang Baoyu Children's Annuity Insurance considerable?
Taikang Baoyu Children's Annuity Insurance Product Map has been made:
The following is the guarantee responsibility of Taikang Baoyu Children's Annuity Insurance. Taking Lao Li as an example, Senior Sister insured Taikang Baoyu Children's Annuity Insurance for 0-year-old baby, with an annual premium of 50,000 yuan and a basic insurance amount of 9,650 yuan for 5 years.
1, Growth Care Fund
When the three-child policy is confirmed, everyone will have something to say: the cost of raising a child is so high, it is enough to have one. Now that the three-child policy has come out, wages are not enough!
No, Taikang Baoyu Children's Annuity Insurance has its own growth care fund, and the basic insurance amount will be paid as the growth care fund five years after the contract takes effect.
Therefore, starting from the sixth year, old Li Can will receive the baby's growth care fund every year, totaling 9650 yuan, which can fully meet the children's money for kindergarten!
2. University education grant
After the liberalization of the three-child policy, the first issue that everyone should pay attention to should be the children's education fund, but the children's college expenses, at least 1.5 million (institutions) a year, are really a burden for ordinary families!
In order to solve this problem, Taikang Baoyu Children's Annuity Insurance comes with the guarantee responsibility of university education fund. As long as the age reaches 18, 19, 20, 2 1, and at the same time, twice the basic insurance amount should be paid as the university education fund every year from the sixth year when the policy takes effect.
In other words, Lao Li's baby will receive a college education grant of 19300 yuan every year for the next four years, which not only ensures the education cost, but also reduces the economic pressure of the family, 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 the basic insurance amount as a family fund, that is, there is a family fund of 96,500 yuan to help the child buy a house or a car, or use it as a career fund to help the child start a new life!
Let's put it this way: Lao Li insured Taikang Baoyu Children's Annuity Insurance for a 0-year-old baby. Until the baby reached the age of 28, the accumulated insurance premium was 299 150 yuan.
It can be seen that the income of Taikang Baoyu Children's Annuity Insurance is not too high, which is very confusing!
The protection of children is not too strong. Don't worry too much. Senior sister just takes Taikang Baoyu children's annuity insurance as an example to analyze how to deal with the three-child insurance policy. Buying children's annuity insurance is the simplest solution for parents to deal with these problems!
If everyone wants high returns, take a look at this financial insurance list. You can choose one from it: "Want to buy high-yield financial insurance? Don't miss this 10 model again! 》
In the above list, there are many annuity insurance products, perhaps many small partners have seen them! Next, I will choose a product to tell you, and see how high the income of the 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?
Without further ado, let's take a look at the product diagram of the patron saint of love life:
The guarantee responsibility of education fund and growth fund is not the outstanding feature of this product.
The most prominent point is that the insured amount will increase with compound interest at a rate of 3.6% per year. A lot of insurance is confusing. Can I be insured without the guarantee responsibilities such as education fund and growth fund?
As we all know, children have no ability to make money, and all the expenses come from their parents!
Can financial insurance only be bought for children?
Not necessarily. It is ok for adults to get a return on their investment, for their children's education or for starting a business.
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:
From the income calculus diagram, we know that in the year of 1 1, Lao Wang has gone through 40 spring and autumn, and has returned to his original position on the patron saint of love life, because the cash value has exceeded the premium.
After the age of 40, the income of the patron saint of Lao Wang's love life continued to rise, especially in the later period, the cash value rose rapidly!
By the time Lao Wang was 46, he had earned about 440,000 yuan. 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. For high school children, education is very important, and this money can be used as the cost of high school education for children!
When Lao Wang is 50 years old, the product of caring for the patron saint of life launched by insurance companies will increase by 365,438+0,000; When Lao Wang is 54 years old, he can get a net income of more than 654.38+0 million!
Then, Wang Can Sr. used the money as his children's education fund, or left it to his children to start a business. The money can be used to buy a house for his children and prepare for his own pension. That's enough!
However, since the Patron Saint Life Insurance has been discontinued at present, Senior Sister presents an upgraded version of this product, Aisheng Patron Saint 2.0, with the benefit seal:
Is the real income of Guardian of Love Life 2.0 really that high? 》
To sum up, the three-child policy is not so terrible. The terrible thing is that everyone doesn't know how to invest! Whether it is children's annuity insurance, insurance for children, or increasing the amount of whole life insurance, parents are insured by themselves, and the income brought is enough to solve all the expenses of children!
Among them, the patron saint of love life has high compound interest, flexible fund collection and high income, and the education expenses of three children are enough to insure the patron saint of love life!
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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