Back to your question. For a 0-year-old baby girl, if she buys a 30w whole life insurance, it will be paid in 20 years, with an annual premium of 3390/ year; For a male baby, it is 3840/ year.
To tell the truth, it is really expensive to buy a policy for your baby that is close to 4000 yuan. ...
In addition, paragraph C is non-refundable, and it doesn't exist that you can get the money after 20 years. It seems that your responsibility for this product is not very clear. Let me give you a detailed introduction and pay attention to the shortcomings. The problem is very big!
Worry-free C 1 is a product of Xinhua Life Insurance, which has two versions: the youth version and the adult version. Now, let's briefly analyze these two versions. Want to know more evaluation and analysis, you can click on the original text to see: How about China Life? Do you have any insurance recommendations?
As usual, look at the guarantee content first: (see the picture below)
In order to facilitate reading, the following is divided into modules. The first is the adult version.
It has the following advantages:
1, with extra compensation: those who were diagnosed with serious illness in the previous 10 years and those who died in the previous 10 years can get 20% extra compensation.
2. Those who unfortunately suffer from six specific diseases, such as brain cancer and pancreatic cancer, can get the basic guarantee of 120%.
Its disadvantages are:
1, low cost performance: general guarantee and high price. The premium of 10000 can be the insurance premium price owned by some families.
2. The compensation amount of minor illness protection is far lower than most products on the market. The premium of 65438+100000 yuan is only 20%, which is really not worth it.
Next, watch the teen edition.
Its highlights are:
1, with specific serious illness protection: If you have a specific serious illness, you can get 120% protection.
2. Increase the specific serious illness of teenagers: If you are unfortunate enough to suffer from a specific illness of teenagers before the age of 30, and the disease still meets the serious illness, then you will get 200% compensation.
Disadvantages are:
1, you can only choose to pay 20 years, and the waiting period is a bit long.
2. The proportion of minor illness compensation is low: the average proportion of minor illness compensation in many critical illness insurance in the market is 30%, and this compensation is 20%, which is slightly lower.
Generally speaking, the protection of this product is still quite sufficient.
However, the premium is really expensive. The adult version of the single payment of critical illness insurance can be comparable to the price paid many times in the market. Children's version or even 0-year-old children buy 500 thousand insurance coverage and pay 6400 yuan every year.
For this product, it is more suitable for people with sufficient budget to buy. If you are a friend who pursues cost performance, here are several critical illness insurance with high cost performance: the inventory of critical illness insurance of the top ten insurance companies "worth buying"!