加薪幅度追不管理上物价涨幅 变额年金保险受青睐（The salary increase is not managed, the price increases or the annuity insurance is favored）.doc

加薪幅度追不管理上物价涨幅 变额年金保险受青睐（The salary increase is not managed, the price increases or the annuity insurance is favored） The life insurance industry points out that flexible, ready and flexible variable annuity insurance products have become a flexible platform for the accumulation of family funds, which can raise childrens education benefits and personal pensions. Life insurance industry points out that there is no time flexibility for childrens educational expenditure in major family expenditure programs, and the continuing education expenditure will be longer than 16 years from the beginning of kindergarten. A conservative estimate, from attending public kindergarten to university graduate tuition plus after-school tutoring fee talent, to spend at least 1 million 200 thousand yuan; this is not a small overhead, many people are afraid to birth. Practitioners said that if the early establishment of a family funding plan, the choice of appropriate financial tools, will be able to meet the needs of each phase of expenditure. In the current salary increases can not catch up with prices and tuition increases, the control of time is the key to accumulation of funds, the sooner the preparation, time, the benefits of compound interest is better, the plan is also easier to succeed. Prudential Life bancassurance long Zhang Yi and pointed out that more and more customers choose to buy a variable annuity, as a family of accumulated funds can be regarded as platform, demand elasticity extraction account value to pay, children tuition per semester; and after the expiration of the fixed receive annuity will become a stable income, but also take into account their retirement. He said that the variable annuity is an investment insurance policy, because there is no insured amount, without deducting insurance costs, the amount of investment into the account more, the accumulation of account value faster. For example, the 32 year old Mr. Wang will be 500 thousand yuan deposit as the firs