Actually they 人壽 plan...
insurance company always will re-package it and only for kids - for education fee or whatever use
For me...it's much more like a saving plan...
the one we baught, for example:
If the insurance amount is HKD1,000,000 (insuran person is my baby)
then annual premium is around HKD46K+
every 5 years, we can get HKD200,000 back for whatever use...(or we can keep it in the policy)
so, we can use this for next 5 years' insurance premium payment or use it for education fee, or travel...
but if we keep those HKD200,000 with the policy...for 5 times...that's mean for 25 years...then the interest of that HKD1,000,000 will able to cover the insurance premium...(that mean no need to pay)...but after every 5 years will still get HKD200,000 back...
Haha.....my plan is keep pay that insurance premium every year and will not drawn that $ out...so when my kid is 30-years-old...i will have HKD200,000 every 5 years for travel around...when i die, i can transfer the policy to my c6..then my kid... .then after we die, my kid can still get that HKD200,000 every 5 years (which can help her to raise her owm kids)....when my kid getting older and die...my grandchildren can get HKD1,000,000 +HKD1,000,000 + accure return
I didn't remember the esimate amount....it should be more then HKD1X,000,000
Haha.........they will be rich...cos their grandmather (me) make a saving plan today....
*Only father or mother can buy this plan...
**I'm not the agent...
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