As soon as the news came out, the circle of friends and Weibo were occupied by major analysts, and different people had different ideas.
The good news is that China's population structure and population aging will usher in improvement; But for everyone, the cost of raising a child is high enough, let alone three.
Today, I solemnly introduce Taikang Baoyu Children's Annuity Insurance, Children's Growth Care Fund and Education Fund. Don't miss it! This is a good measure to deal with the three-child policy ~
However, children's annuity insurance is really a good thing, but it is not bought casually! Want to know the information about children's annuity insurance, just poke the link and browse: "Is children's annuity insurance good?" What products are suitable? 》
Time is precious, senior. Let's give you a detailed analysis. If you are curious about the answer, read on!
1. Is the income of Taikang Baoyu Children's Annuity Insurance considerable?
Taikang Baoyu Children's Annuity Insurance Product Map has been made:
Let's analyze 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
With the implementation of the three-child policy, everyone wants to say: to be honest, raising a child is not cheap, and everyone is a problem. If you have more children, you can't afford milk powder!
So this product has set up a growth care fund for everyone. After the contract expires for five years, the Growth Care Fund will pay a certain amount of basic insurance every year.
Therefore, in the sixth year and beyond, Lao Li's baby will get a growth care fund every year, which is 9650 yuan per year, which is enough for children's kindergarten learning expenses!
2. University education grant
Under the background of the three-child policy, the top priority in everyone's mind is 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, Taikang Baoyu Children's Annuity Insurance undertakes the responsibility of protecting the university education fund, not only from the sixth year when the policy comes into effect, but also at the age of 65,438+08, 65,438+09, 20,265,438+0, paying twice the basic insurance amount as the university education fund every year.
Lao Li's baby is 18 years old, and in the next four years, he will get a college education grant of 19300 yuan every year, which solves the two major problems of education expenses and alleviating family economic pressure!
Step 3 get married and start a career
As long as the child reaches the age of 28, Taikang Parenting and Pension Insurance pays 10 times the basic insurance amount, that is, 96,500 yuan is used to help the child buy a house or a car, or it is regarded as a career fund!
As mentioned above, Lao Li insured Taikang Baoyu Children's Annuity Insurance for a 0-year-old baby. When the baby was 28 years old, the total amount of insurance money received at that time was 299 150 yuan.
In terms of income, Taikang Baoyu children's annuity insurance is slightly lower, which will make everyone anxious, but the senior sister just takes Taikang Baoyu children's annuity insurance as an example to analyze how to deal with the three-child policy!
Partners want to engage in high-income financial insurance. Let's look at the list below. There is a financial insurance to choose from: "High-yield financial insurance, then choose the top ten financial insurance! 》
Many annuity insurance products are on the above list. I believe many friends have seen it! I'll choose a product to introduce to you right away, and let's learn how high the return of this product is!
2. What are the advantages of Taikang Baoyu Children's Annuity Insurance over caring for the patron saint of life?
Not much to say, let's take a look at the product diagram of the patron saint of love life 2.0:
Do you want to know why this product has no guarantee responsibilities such as education fund and growth fund? In fact, it has its own outstanding characteristics.
Its biggest advantage is that the insurance coverage will increase at a rate of 3.6% per year. Many newcomers are puzzled. It does not include the guarantee responsibilities such as education fund and growth fund. Is this insurance worth insuring?
Needless to say, everyone knows that children don't have the ability to make money, and all the expenses come from their parents! In other words, the more parents earn, the more secure their children's lives will be. In this way, if parents invest in a good financial product, the proceeds can be used for their children's education!
If 30-year-old Lao Wang is insured with Aisheng Guardian 2.0, and the payment period he chooses is 10 year, then he needs to pay 654.38+10,000 yuan every year, and his income is as follows:
As can be seen from the income calculus diagram, 1 1 year, Lao Wang is 40 years old, and he got his own capital back, because the cash value of the patron saint of Aisheng 2.0 is not lower than the premium.
Since the age of 40, Lao Wang's income has been rising in the backer of Aisheng 2.0, especially in the later period, the cash value has soared like a rocket!
So 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. This money can be used as a child's high school education. It's quite enough!
When Lao Wang is 50 years old, the product of caring for the patron saint of life launched by the insurance company will increase by 365,438+0,000; When Pharaoh is 54 years old, his income will exceed 1 10,000!
Then, old Wang Can used the money as his children's education fund, or venture capital, to give his children a house purchase fund, or to prepare for his own pension!
Regarding the detailed evaluation results of Aisheng Guardian 2.0, Senior Sister left an interesting stamp here: "What is the real income of Aisheng Guardian 2.0 whole life insurance?" 》
It can be seen that people don't need to be so afraid of the three-child policy. What they need to fear is that they don't know how to invest! Whether it is to insure children, buy children's annuity insurance for children, or buy yourself an increased whole life insurance, insurance can effectively solve the high expenses brought by children!
In addition, high compound interest growth, flexible fund collection and high income are the characteristics of the patron saint of Aisheng 2.0. If you insure the patron saint of love life 2.0, the education expenses of three children can be reduced!
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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