Young children need to pay 1,000 per month for 15 consecutive years, what kind of insurance

- Escort the growth of children.

Buying insurance for children has become the consensus of parents in the new era. As an important part of life planning, insurance has a role that cannot be replaced by any other financial tool. How to choose a suitable insurance for children is an urgent problem for today's families.

As parents, we all hope that our children will grow up healthy, successfully complete their studies, easily enter the society, and build a happy family, whether they are by their children's side or not, so that they can feel the deepest care of their parents!

The Children's Education Insurance "Fuxing Kids" is suitable for children under the age of 14, and can receive a fixed amount of money for education or marriage purposes at all important ages in the child's life.

Comes with premium waiver and growth fund features. During the period, you can also receive an additional dividend every year, and if you don't receive it, you can also put it into the principal compound interest to earn interest, giving you extra surprises!

Babies over 18 years old: receive 32,000 yuan as college tuition, do not have to use the family budget, and easily pay for college tuition.

Babies over 22 years old: receive 32,000 yuan as continuing education or entrepreneurship start-up funds to solve the economic problems of studying abroad, further study and entrepreneurship.

The baby is over 25 years old: receive 32,000 yuan as a wedding money to give the child a beautiful wedding gift.

The baby is over 30 years old: receive 24,000 yuan as his pension supplement, or give a big red envelope to his grandson.

Dividends: At least 70% of the company's investment rate can be distributed to customers every year, and can be claimed at any time according to their own needs. At the age of 30, the cumulative mid-range bonus is 43,886 yuan.

Insurance Protection--- Premium Waiver and Baby Growth Care Fund Functions:

If the insured passes away or is severely disabled during the premium payment period, the premium for subsequent instalments will be waived first. secondly, the child can receive 20,000 yuan per year from the insurance company until the age of 18 until the age of 18; In addition, the above insurance liabilities are not affected.

The guardian star of Ping An is guaranteed, there are education funds and dividends.

Answer: If 500 yuan is paid for 18 years, the total cost payable in 18 years is: 500 18 = 9000 yuan.

The specific calculation of Fang Yuanchang method is as follows: first, according to the annual payment of 500 yuan of children's insurance, the annual fee payable is 500 yuan; Secondly, if 500 yuan of children's insurance is paid in 18 years, the total cost payable in 18 years is: 500 18 = 9000 yuan; Finally, if $500 is paid annually, the total fee payable for 18 years is $9,000.

In short, if you pay 500 yuan for 18 years, the total cost payable for 18 years is: 500 18 = 9000 yuan.

Take a 1-year-old boy insured by a 30-year-old mother as an example, with an annual premium of 5,835 yuan and 20 years

Coverage of coverage: 1. Whole life insurance coverage of 210,000;

2. Lifetime critical illness protection of 200,000 yuan, which will be paid upon diagnosis;

3. Regardless of illness or accident, hospitalization will be reimbursed 5,000 yuan each time, and 100% will be reimbursed after social security reimbursement.

4-18 years old, regardless of whether there is social security or joint therapy, 100% reimbursement).

4. Regardless of illness or accident, the daily subsidy for hospitalization is 100 yuan, and the subsidy for each of the 18 kinds of surgery is 10,000 yuan, until the age of 80;

5. Accidents caused by bumps, bumps, cat scratches, dog bites, etc., will be reimbursed 10,000 yuan per year;

6. The policyholder will be exempted from death, total disability and critical illness, and the policyholder will be exempted from paying the remaining premiums in any case.

Education fund: 1. When the child is 15-17 years old (high school), he will receive 5,000 yuan per year;

2. The child is aged 18-21 years old (university) and receives 10,000 yuan per year;

3. When the child is 28 years old (wedding money), a one-time payment of 10,000 yuan will be received.

Total claim: 10,000.

Features of this insurance:

It can cover up to 500,000 yuan for minors' critical illness and 800,000 yuan for cancer;

It can subsidize the subsidized insurance up to the age of 80;

Minors aged 4-18 can be promised hospitalization insurance that is 100% reimbursed by social security, regardless of whether they have social security;

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

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How to buy insurance for your child

This problem makes many parents have no idea where to start, today we will take a good look at what kind of ideas and methods should be followed to buy insurance for children! Keep these three points in mind:

First, the country's medical insurance must be handled!

Newborn medical insurance (medical insurance for urban and rural residents) is a national basic insurance, and the child should be handled immediately after birth, whether it is a major illness or a minor illness, the basic medical insurance is particularly important, so this must be handled for the child.

Second, after buying medical insurance, you can fully configure critical illness insurance + medical insurance + accident insurance in commercial insurance.

Let's start with critical illness insurance, which provides coverage for as long as possible. In addition, critical illness insurance can directly pay a large amount of cash after getting sick, which can not only be used to treat the disease, but also solve many hidden problems in the future, such as the child's delay in school due to illness, and even some subsequent life losses, which require a lot of cash to make up. Buying a pure protection critical illness insurance can solve these problems.

Let's talk about why we need to configure medical insurance, which can be used to reimburse the medical expenses of children's usual medical treatment, for example, with a 0 deductible hospitalization medical insurance, with an annual premium of one or two hundred yuan, you can buy an insurance amount of 10,000 yuan, which is very practical.

Finally, let's look at accident insurance, children's accident insurance is very cheap, 200,000 yuan insurance is only 60 or 70 yuan per year, which can protect children from disability, death and medical liability caused by accidents, which is very cost-effective.

Third, don't buy both types of insurance for your child!

Don't buy life insurance for your children, and try not to choose critical illness insurance with both. I know the specific reasons in this articleHow do I buy insurance for my child?

There is a detailed introduction in it, and because it is written in detail, I will not introduce it here.

According to the above insurance ideas, if you configure regular protection for your child, you can get it for about 1,000 yuan per year, and if you buy lifelong protection, it will only be two or three thousand per year, which is low and real.

That's all for me"Is there a kind of child's insurance that pays 3,000 yuan per year, and after ten years of continuous payment, you can receive an amount of about 700 per month, whether it"All of them, I hope it helps you! Hope!

I don't know what the specific situation is, but what can be said is:

The pricing mechanism of insurance products is relatively complex, and it is not bank savings.

It needs to be priced according to the actual age, health status, occupational category, and specific coverage liability share of the customer.

According to the insurance company, it is priced according to the actuary's actuarial cost of risk.

Therefore, before the customer insures, the county should first clarify the needs, and then according to their actual situation, rational cognition, based on the present, on demand insurance, this need and the best people, real and effective information exchange, in order to achieve targeted and reasonable planning.

The premium standard of any insurance product is not constant and consistent for different customers.

The specific recommendations for insuring your child are as follows:

1.When buying insurance for your child, you should first consider whether the adult is adequately protected, and don't put the cart before the horse.

2.Don't ignore local insurance policies, such as whether there is medical coverage for the elderly and the young.

2.Children's insurance, based on the basis of protection, then talk about education funds.

3.In terms of protection, accidents, critical illnesses, and medical treatment must be considered.

4.There are three types of children's insurance in the market: dividend, universal and investment-linked, and it is recommended to choose the first two.

5. Insurance planning, do what you can, don't deviate from the reality of affordability, then it is not insurance. Best, solve whatever you can? Don't aim for a one-step solution.

6.Remember the additional exemptions!!

6.Buying insurance for your children, don't plan too much for a rainy day, and plan your life, which is very unrealistic. Treat it rationally and do what you can. You can set short-term, medium-term, and long-term financial goals, but if you don't ask for them all, reverse the order, and it will be a mess and a waste of money.

7.First of all, we must clearly understand the above needs and rules, and then select a qualified ** person, which is very important and very important, and then choose an insurance company.

It is recommended to communicate with ** people in detail and verify with multiple parties, after all, face-to-face communication is the most practical and effective way.

I recommend one to you, and the annual premium can also be lowered.

Guardian of Peace.

For 0-year-old babies, the annual premium is 8858 yuan, and the premium is paid for 20 years.

He will enjoy the following benefits:

1. Annuity. 3-22 years old, 2,400 yuan per year; 22-Life, 1200 yuan per year.

2. Enjoy the rebate. When the baby is 60 years old, the premium paid by the main insurance will be returned, 10,000 yuan.

3. Critical illness. Lifetime critical illness protection of $100,000.

4. Death benefit. In the event of death before the age of 22, the premium paid will be refunded; If you die after the age of 22, you will be paid +60,000 premiums.

5. Lifetime dividends, with an average annual dividend of about 2000-3000, which is related to the company's operation.

6. If you do not receive annuities and dividends, you can enter the cumulative interest-bearing account with an annualized income of 3%.

The key is to see what kind of needs you have, if it is simple to buy an insurance for peace of mind, then buy an education fund (this is the idea of most people in the current market) pay thousands of dollars a year, pay until the age of 18 to start receiving, to the age of 30 to finish, Chinese life Fuxing children are good, if from the most fundamental role of insurance, the first should buy a health and accident, Corning critical illness life insurance, low payment and high protection, 0-year-old children pay more than 1400 a year (pay 20 years) insurance 100,000 yuan protection.

The second is to buy the education fund, and finally to buy the pension type

Hello, you can learn about our Pacific "Baby Health" annual payment of 3600, pay for 10 years, insurance to the age of 30, critical illness protection up to 300,000, insurance 31 types of critical diseases, covering common diseases of children, including leukemia, 110% of the premium paid will be returned at the expiration of the contract, welcome to learn more about the exchange in Shenzhen, I hope to help you! Thank you.