Therefore, wealth management insurance products are favored by everyone. There are indeed many parents who want to buy annuity insurance for their children in order to ensure that their children can have enough education funds when they receive education in the future.
Then Senior Sister will take you to analyze this Taikang Win Yue Life B (Children's Edition) annuity insurance underwritten by Taikang Life Insurance to see if it is worth insuring for your child.
Before we begin to explain, let's supplement the relevant insurance knowledge to facilitate the understanding of the following articles:
"Super complete! Everything you want to know about insurance is here.
1. What is the guarantee of Taikang Win Yue Life B (Children's Edition) annuity insurance?
Not much to say, let me give you a safety content map first:
According to the protection map, regarding the protection content, Taikang Win Yue Life B (Children's Edition) annuity insurance is still relatively good. Sister Xue will tell you about these protection contents in detail.
1, special insurance premium
The product clearly stipulates the collection time of special insurance money.
Assuming that the insured is alive on the corresponding dates when the sixth, seventh and eighth policy years take effect, he can receive special insurance benefits, and the calculation method of the amount is annual premium × payment ratio.
The proportion of special insurance premium is related to our payment period. If it is wholesale payment, the corresponding special insurance premium payment ratio is 5%. Suppose it is divided into five years, and the proportion of special insurance payment is directly 25%; If the corresponding payment period is 10 years or more, the proportion of special insurance payment is set at 50%.
It can be seen that the longer the payment period, the greater the corresponding special insurance payment ratio.
2. Education Care Fund
The Education Care Fund mainly serves the insured below 10 (inclusive).
That is to say, if the insured is younger than 10 (inclusive) at the time of insurance, and the insured lives between 18 (inclusive) and the first effective date of the contract, the insurance company will pay 100% of the basic insurance amount every year.
3. Career Fund
Assuming that the insured meets the living conditions on the effective date of the first contract after the age of 25, he can receive 200% of the basic insurance amount as a career care fund.
Many people just graduated from college at the age of 25 and entered the society, and this career care fund just played the role of employment subsidies.
4. Survival insurance
Survival insurance means that from the ninth policy year of the contract, if you can live to the corresponding date of the first contract year after 105 (inclusive), you can receive 50% of the basic insurance amount as survival insurance every year.
5. Birthday insurance
The conditions for receiving birthday insurance and survival insurance are similar.
From the effective date of the first contract after the insured reaches the age of 70 to the effective date of the first contract after the insured reaches the age of 79 (inclusive).
During this period, if the insured lives on the corresponding day when each contract takes effect, he will have the opportunity to get 10% of the total annual premium.
6. Death insurance
Take the death insurance payment of Taikang Win Yue Life B (Children's Edition) annuity insurance, according to two situations.
If the insured dies after reaching the age of 79 and before the effective date of the first contract, the insurance company will pay the death insurance premium according to the larger amount of the total premium paid and the cash value.
If the insured dies after the effective date of the first contract after reaching the age of 79 (inclusive), the death insurance premium shall be paid according to the cash value of the contract.
Regarding the guarantee content of Taikang Win Yue Life B (Children's Edition) annuity insurance, Sister Xue talked about this. If you want to know more about this product, you can read this article:
Is Taikang Yingyue Life B (Children's Edition) Annuity Insurance Worth Buying? Tell you in one article! 》
Second, is Taikang Win Yue Life B (Children's Edition) annuity insurance worth buying?
Through the overall analysis, Taikang Win Yue Life B (Children's Edition), an annuity insurance product, contains many protection contents.
As for whether it is worth taking out insurance, you can make a decision according to your actual situation. If you think this insurance can meet the protection needs, then it is worth it.
Of course, in addition to Taikang Yue Yue Life Insurance B (Children's Edition) annuity insurance, Senior Sister has prepared a list of education annuity insurance for everyone here, all of which are worth buying. Friends in need can compare and see which one is more suitable for their children:
"The latest! The eight education funds with the highest rate of return in 2022 have been selected ~ "
Write it at the end
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