I have bought the children s insurance for six years, and it is 2400 per year, how much can I borrow

Xueba said insurance, only recommend the most suitable child insurance! This year, the comparison table of 136 hot-selling critical illness insurance for minors has been updated

Click to claim now, I believe it can help you.

What insurance should I buy for my child?

This question has made many parents think hard, today let's take a good look at how to buy insurance for their children so as not to be pitted! Pay attention to three key points:

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

Neonatal medical insurance (medical insurance for urban and rural residents) is a national basic insurance, and children should be handled immediately as soon as they are born.

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

First of all, critical illness insurance, which provides a relatively long period of protection. Secondly, critical illness insurance is paid directly in cash after getting sick, which can not only solve the problem of medical expenses, but also solve other associated problems, such as falling behind because of illness, or some irreparable losses in subsequent life, all need money, after all, as the saying goes, money is not everything, but no money is absolutely impossible. Buying a pure protection critical illness insurance can solve these problems in the future.

As for medical insurance, it 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 1,200 yuan, you can buy an insurance amount of 10,000 yuan, which is very practical.

Finally, let's talk about accident insurance, children's accident insurance is very cheap, 200,000 yuan per year is only 60 or 70 yuan, which can protect the child's accidental death, accidental disability and accidental medical liability, cheap and useful.

Third, is there any insurance that I should not buy for my child?

Don't choose life insurance for your child, and try not to attach both liabilities to critical illness insurance. I know the specific reasons in this articleDon't buy either type of insurance for your child! Comprehensive insurance strategy!

has been introduced in detail, because it has been written in detail in the manuscript, so I won't spend too much time introducing it here.

According to the above insurance ideas, if you configure regular protection for your child, you can get it for 1,000 yuan per year, and if you buy lifelong protection, it is only two or three thousand per year, which is very cost-effective.

That's all for me"I have bought the children's insurance for six years, and it is 2400 per year, how much can I borrow now"All of them, I hope it helps you! Hope!

Hello, you can consult the insurance company, or find a professional loan person to consult, the amount is a comprehensive evaluation.

It depends on your cash value, which is generally a percentage of your cash value.

If the loan is made through China Merchants Bank, the pledged loan can accept the pledged pledge:

Pledges that can be pledged: RMB demand deposit and RMB time deposit margin, foreign currency time deposit, domestic and foreign currency time deposit certificates, certificate treasury bonds, savings treasury bonds, book-entry treasury bonds, domestic and foreign currency entrusted wealth management products and personal life insurance policies;

The consumer pledge loan can only accept the pledge in the name of the borrower or his spouse.

The credit term of a general pledged loan shall not exceed 5 years, and the term of a single loan or a single loan under a credit line shall not exceed 3 years; If the purpose of the loan is a student loan, the term of a single loan or credit line shall not exceed 6 years (inclusive). Pledge loan amount: the minimum shall not be less than 50,000 yuan, and in principle, it shall not exceed 10 million yuan; The specific amount of your loan can be determined by the branch after approval based on the amount of collateral and your comprehensive situation, and you can contact the loan handling bank directly for consultation!

You can borrow up to 80% of the cash value

If it is a credit loan, you can borrow 30 times the annual premium, that is, 10,000 yuan. If it is a policy, the cash value of the loan is estimated to be 10,000.

It is the national life elite children's insurance of Chinese Life, and your child has not yet reached the age of one to buy it, right? The characteristics of this kind of insurance are: 1. Perfect plan, careful care for children's growth; 2. Sufficient protection and love; 3. Success, settling in insurance money, so that children have a bright future; 4. Exclusive premium waiver, loving long-term companion; 5. Have policy rights and interests such as loans, convertible rights, and reduced payments.

This depends on how your insurance policy stipulates, just report a product name, then who can know the specific content? For example, if you ask how much does it cost to eat a bowl of beef noodles, is it a big bowl or a small bowl, is it ordinary beef or yak meat, is it eaten in Beijing or in which fourth-tier city? These may affect the ** of this bowl of beef noodles.

Xueba talks about insurance, and teaches you to choose the best insurance for your child! This year, the comparison table of 136 hot-selling juvenile critical illness insurance has been updated, you can click on it to take a look.

How to buy insurance for your childFirst, medical insurance must be handled well, which is the basic guarantee of the people!

After the child is registered, it is necessary to handle the neonatal medical insurance (urban and rural residents' medical insurance) as soon as possible, 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, if you plan to buy commercial insurance, critical illness insurance + medical insurance + accident insurance, this is my advice to you.

First of all, critical illness insurance, which provides a relatively long period of protection. In addition, critical illness insurance can pay a large amount of cash directly after getting sick, in addition to solving the problem of medical expenses, it can also solve many subsequent hidden problems, such as the delay in studies caused by medical treatment and some losses in subsequent life, all need money, after all, as the saying goes, money is not everything, but no money is absolutely impossible. Buying a pure protection critical illness insurance can just solve these problems in the future.

As for medical insurance, it can be used to reimburse the medical expenses of children's usual medical treatment, for example, with a 0 deductible hospitalization medical insurance, the insurance amount of 10,000 yuan is only 1,200 yuan per year, which is cost-effective and practical.

Finally, it is necessary to configure an accident insurance, the children's accident insurance is very cheap, and the insurance amount of 200,000 yuan is only sixty or seventy yuan per year, which can fully protect the child's accidental death, disability and medical expenses caused by accidents, which is not expensive and very useful.

Third, is there any insurance that I should not buy for my child?

Don't assign life insurance to your child, and try not to choose critical illness insurance with both liabilities. The specific reasons I know are in this answerHow to buy insurance for your child without being cheated? This guide tells you!

has been introduced in detail, because there is already a detailed analysis in the manuscript, so I won't spend too much space here.

According to the idea I gave you to configure insurance, if it is for the child to configure regular insurance, about 1,000 yuan per year can be fully configured, if you buy lifelong protection, it is only two or three thousand per year, which is very cost-effective.

That's all for me"In 1999, I bought a children's talent insurance and how much money do I receive now?"

The policy loan can only be loaned by the policyholder and has no relationship with the beneficiary and the insured.

Bring the insurance contract and relevant identity documents and bank cards to the business hall of the insurance company, and fill in the relevant documents to handle it.

Hello: You can receive it as a lump sum when your child turns 25. Interest can also accrue on the first two returns during this period.

OK. But it must be the last time, not the first 2!

If it cannot, it will be strictly carried out in accordance with the terms;

The insurance benefit can only be paid when it is due, and early payment is a surrender.

Please call your insurance company directly for advice.

It should be possible, please consult the ** person around you for details.

Can refund 140, if there is a dividend, there is a little dividend, it is recommended not to refund, the loss is too great, buy insurance is not used to refund, it is used to protect the risk.

The premium of China Life Elite Children's Insurance depends on how much insurance is covered.

For example, for an insured amount of 100,000 yuan, the annual premium is more than 4,400 yuan.

The circumstances of the return are as follows:

When you are one year old, you will return 30% of the sum insured, and if you want 100,000, it will be 30,000.

When you are one year old, you will return 30% of the sum insured, and if you want 100,000, it will be 30,000.

When you are one year old, you will return 40% of the sum insured, and if you want 100,000, it will be 40,000.

Generally, when you reach the age of 25, this insurance ends. The benefits of this insurance are not high, but it has an exemption function, which is its biggest advantage. That is to say, if the adult has some reasons such as critical illness or the reason stipulated in the insurance company's contract, then the future premium does not have to be paid, but the child's protection rights and interests will not change.

In other words, there is no need to pay premiums, but the insurance company still pays the education money that children should receive.

China Life Talent Children's Insurance is a relatively simple insurance that has been launched for a certain number of years, and the product design is relatively backward today, so it is not recommended to buy. In addition, it has common problems such as incomplete protection and low returns, and more analysis of both risks can be seen in my answer"About both insurance, the salesman will definitely not tell you! 》

How is this insurance calculated? Let's take a picture of the product:

Taking the sum insured of 100,000 yuan as an example, if you pay it for 18 years, the annual premium is 4,400 yuan, as shown in the figure below: when the child reaches the age of 18, you can get 30% of the sum insured, that is, 30,000 yuan, when you are 22 years old, you can get 30,000 yuan, and when you are 25 years old, you can get 40,000 yuan, and the contract is terminated. During the coverage period, if the child unfortunately dies before the age of 18, 150% of the premium will be paid; If you die after the age of 18, you will be paid the unclaimed sum insured.

In addition, when buying insurance for children, you must first make sufficient basic protection, and after purchasing critical illness insurance, medical insurance and accident insurance, you still have the budget to consider the education fund, otherwise you will put the cart before the horse. For more specific information on how to buy insurance for your child, you can see my answerIn-depth Essay - How to Buy Insurance for Your Child? Netizens shouted:

Why I only saw it now".

Xueba said that insurance, only help parents who want to buy the right insurance for their children! This year, the comparison table of 136 best-selling children's critical illness insurance has been updated, you can click on it to take a look, I hope it can help you.

How to buy insurance for your childFirst, the country's medical insurance must be handled!

After the child is born, as long as the household registration is registered, you can immediately apply for neonatal medical insurance (urban and rural residents' medical insurance), whether it is a major illness or a minor illness, basic medical insurance is particularly important, which is why medical insurance is called the first type of national insurance.

Second, in addition to the basic insurance of national medical insurance, commercial insurance should also be considered, and critical illness insurance + medical insurance + accident insurance should be given priority.

Start with critical illness insurance, which provides coverage for a long time (up to a lifetime). In addition, critical illness insurance can directly pay a large amount of cash after getting sick, in addition to solving the best expenses, it can also solve many subsequent hidden problems, such as taking care of sick children, the economic losses brought to the family, all need a lot of cash to make up. Buying a pure protection critical illness insurance can solve these problems in the future.

Let's talk about 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 1,200 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 insurance amount is sixty or seventy yuan per year, you don't see that the money is not much, but in fact, the protection is quite extensive, accidental death, disability, accidental medical liability are within the scope of protection, especially practical.

Third, is there any insurance that I should not buy for my child?

has been introduced in detail, because it is very detailed in the manuscript, so I will not waste time here.

According to the above insurance ideas, if you are configuring regular protection for your child, you can configure it comprehensively for 1,000 yuan per year, and if you buy lifelong protection, it is only two or three thousand per year, which is very cost-effective.

That's all for me"How is China Life Talent Children's Insurance calculated? "

Hello, you understand the basic correct, this insurance has no dividends, and the payment and return are like this. But there are a number of other responsibilities included. The best-selling education insurance is Fuxing Children's Insurance.

There is no point in buying this kind of thing by spending money on it, and I am afraid that when the money depreciates, it will not be a loss.

Hello friends, your product, or the benefits of children's insurance are not very large, the main advantage of this product is that there is a premium waiver function, that is, if adults because of critical illness and other reasons, the insurance company contract for reasons, then the future premiums do not have to pay, but the child's protection rights and interests will not change, that is to say, the premium does not have to pay, but the child should get the education fund, the insurance company still gives... I hope that before I insure my child, I will buy insurance for adults and buy some basic protection insurance, such as health medical insurance, accident insurance... If the insured dies before the effective date when the insured reaches the age of 18 and the insured survives, the insurance premiums for subsequent periods shall be exempted, and this contract shall continue to be valid.

Hello friends! After receiving a fixed amount, plus dividends, it is only guaranteed until the age of 18, like Ping An High School and University. The first choice of insurance is the company, and the second choice is the type of insurance.

Welcome to communicate in detail! Reference: [Blog] How do people manage their finances under the heavy blow of interest rate hikes [Case] Care for a lifetime - Children's Health Savings Plan [Case] Ping An Century Tianjiao Insurance Financial Management Plan (Universal).