The result of this argument is based on mid-range dividend income.
First of all, Fushou's continuous dividend is 65438+ 00% of the insured amount every other year, that is, you can get 3000 yuan every other year (because it is a dividend, the amount will increase every time, you can ask the salesman for a detailed receipt). If you don't get it from the insurance company, you can still enjoy the accumulated interest, and the interest is 2.5%.
At the same time, when the child reaches the age of 88, he can get back the principal+birthday money at one time.
Longevity is characterized by:
1, the collection is increasing year by year.
2. Long collection time
3. Absolute return on principal
4. Return every other year and enjoy dividends every year.
5. Insurance assets are not subject to inheritance tax.
The suggested collection method is: insurance companies that have not been insured in the previous period enjoy accumulated interest. According to your insured amount of 30,000 yuan, the calculation result of mid-range dividend is as follows:
/kloc-children aged 0/9 receive 35,845 yuan as an education fund in one lump sum;
At the age of 30, I will receive 29,647 yuan as a wedding gift;
At the age of 60, you can receive 153763 yuan as a pension, or you can change it to an annual pension. Without interest, you can get a minimum of 549 1 yuan every year until you are 88 years old;
After the age of 60, you can receive a supplementary pension at the same time, and receive no less than 10 185 yuan every other year until you are 88 years old;
At the age of 88, you can get the principal+birthday bonus in one lump sum, totaling 670,000 yuan.
As parents, the money received in each period can also be used for other purposes. For example, when a child is about 30 years old, it can be used as a supplement to your pension, and the money received by a child at the age of 88 can also be used as his support for the next generation, which is very flexible.
I have a long life, what I value is that it takes a long time to get it, and it has a long history.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.