Want to use Xinhua s good profits to save money for your children every year, I don t know if it s a

Hello, Holly is Xinhua's insurance dividend product, if it is used to save money for children is appropriate, but the short-term income of this product will not be too obvious, the long-term income is very good, and every other year can be another money until the child is 70 years old, every time the child receives a sum of money, he will remember that this is the love of his parents, so that the child will always remember the kindness of his parents. The biggest function of insurance is protection, this product focuses on financial management, there is no protection, so you must attach critical illness and hospitalization medical treatment, but also buy an accident card for the child, so that the child's accidental injury and accidental injury medical treatment will also be guaranteed, such a combination can make the child have protection in the early stage, and have high returns in the later stage, so that the child has no worries for a lifetime. I wish you and your children a safe life.

Reference: 1-year-old baby boy lifetime comprehensive protection plan.

Each insurance company develops a product that is essentially a solution to a customer's life problem, so the focus is different.

If your family is in good condition and you plan to leave a sum of money for your children, regardless of the length of time for return, you can choose this product. The basic benefits are as follows:

1. 9% of the (basic sum assured + accumulated annual dividends) will be refunded every two years after the effective date until the age of 70.

Return of principal, accumulated dividends and final dividends at the first year.

Precautions for Insurance:

1. When buying the product, you should consider how much insurance you want to buy, the level of insurance is related to how much money you get, which means that it is related to how much premium you pay, and it doesn't make much sense to buy less, so please consider your own ability to pay.

2. The length of the payment time of the insured dividend product is related to the level of dividend distribution, the shorter the time, the higher the dividend distribution, the product is divided into 5 years, 10 years, 20 years, if you are a business family, please choose short-term payment, the business is unstable, so try to pay the fee in a short time; If you are a working family, choose to pay for 10 or 20 years to smooth out your payment pressure.

3. The product is designed with less protection, and most companies have similar products, that is, when designing products, they tend to have high or low returns, ignoring the lack of protection. The insurance liability of this product is 105% of the premium paid + accumulated dividend + terminal dividend. Therefore, the protection is slightly insufficient, you can consider choosing a rider insurance, and an accident insurance after adulthood.

4. In order to ensure the maximization of benefits, the return can choose not to receive the return and will be calculated with compound interest.

5. The product is commendable, that is, if the insured dies or becomes totally disabled due to an accident between the ages of 18 and 60, the renewal premium will be waived, and the benefit will be regarded as normal payment. Therefore, the father should be considered as the policyholder when choosing an insured.

6. The product is aimed at the wealthy class of customers, and it is a preparation for the inheritance tax that will be levied at any time.

Suggestions: 1. If you are considering making pension reserves for your children, it is recommended to insure the exclusive life of Xinhua Insurance, the rate is cheaper than that of Hollywood, the insurance period is 80 years old, and 9% per year after the age of 60, which also has an exemption function, which is still good.

2. If you are considering making education funds (age 0-5 years old) or entrepreneurship funds (6-10 years old) for your children, it is recommended to apply for insurance with the auspicious wishes of Xinhua Insurance, if the economic conditions are not bad, try to choose five years to pay, the benefits are much more than 20 years, and the insurance period is 20 years, that is, the return of interest (basic insurance amount) after 20 years, you can also choose to make pension reserves, divided into 50 years old, 60 years old, 70 years old. Cover 1 for 2 after adulthood, and at the same time have a waiver function, you can add a variety of additional insurance, and you can also attach critical illness, which is mainly for the working class of customers, which can be considered.

Finally, I wish the child a healthy and happy growth!

Hello: It is recommended to choose basic accident and critical illness coverage for your child first, covering accidental outpatient visits, hospitalization and the most impactful critical illness or surgical insurance! After the basic protection, you have the ability to choose a savings financial product like Haoli Nian Nian for your child!

At the same time, you also need to depend on your own financial situation, and the insurance of both of you is also very important, the adults are protected, and the children's future is more secure!

Hello! In terms of individual products, insurance products all have their own advantages and advantages. Whether an insurance product is suitable for you depends on its protection interests, whether it is suitable for your actual situation, whether it can meet your expected planning, whether it meets your needs, etc.

There is also the proportion of the annual premium in the family's financial arrangement, whether the payment period and the maturity benefit period can be synchronized with the child's growth, combined with these aspects, and then determine whether this product is suitable for you! We wish you the best of luck in your insurance plan! Welcome to QQ for details!

Hello: Insurance products are not suitable for you to see whether the combination of insurance can meet your needs, insurance is not equal to saving money, insurance is an effective way to force savings funds, after all, the money deposit and withdrawal must be subject to certain restrictions, insurance should be based on protection, to meet your needs of insurance is the most suitable for you. Reference:

Angel Plan --- Gift for Children to Be Together for a Lifetime Why do you need 7 policies in life?

Hello: buy insurance to buy protection, do not confuse deposits and insurance, the order of buying insurance is first social security and then commercial insurance, commercial insurance should also be adults first and then children, first accidents, serious illness, life insurance, and then financial products.

Hello! Dear customers and friends! It's a pleasure to serve you!

Hello! Treat financial insurance to be rational, for those with high incomes can be purchased, when purchasing additional insurance such as critical illness and medical protection, at least you buy good every year is not suitable, it depends on your specific situation and your needs focus on **, good profit year after year can solve your problem.

Hello! The key is to see what the money is intended to be used for in the future, and secondly, whether the money saved is focused on protection or income and so on. Knowing this, you will have a clear idea, and then see if Xinhua Haoli is suitable for children every year?

Hello! Insurance itself is not suitable as a financial management tool, especially for us salarymen. Only by understanding the essence of insurance can you buy the right insurance. Now there are many ways to invest and manage money, and it is worth our time to learn and take care of our wealth!

Reference: What is insurance? How to buy a $300,000 critical illness protection plan for your child.

It is recommended to help your child save money and enjoy an extra layer of protection at the same time.

Hello! I don't know if your child has social security! If not, improve social security first! If so, it is recommended that you consider child protection first! You give too little information! For QQ or ** contact!

Hello, in fact, the products of each insurance company are similar, there is no good or bad, it depends on your actual needs.

Hello! Each insurance policy has its own uniqueness, and the key depends on the purpose of the insurance and the problem to be solved. If you are optimistic about this paragraph, you can find professionals around you to help you analyze and explain, so as to help you come up with a plan that suits you!

Without knowing your financial situation, your insurance needs and your child's existing coverage, we can't blindly explain to you whether this product is suitable for you.

Hello, how old is the child, and is there social security and other protection?