教育金保险（假设30岁的父亲为3岁的女儿投保）

保险单	已达	基本	保费	豁免保费	累计已交保费	生存给付	累计给付 （累积生息）	现金价值	假定中等红利示例
年度末	年龄	保险金额							每年现金红利	累计现金红利
1	4	20,000	10,284	无	10,284	-	-	4,060	52	52
2	5	20,000	10,284	若投保人身故，豁免保险费	20,568	-	-	9,860	182	236
3	6	20,000	10,284		30,852	-	-	15,960	355	598
4	7	20,000	10,284		41,136	-	-	23,180	533	1,149
5	8	20,000	10,284		51,420	-	-	30,800	706	1,889
6	9	20,000	10,284		61,704	-	-	39,780	883	2,829
7	10	20,000	10,284		71,988	-	-	49,240	1,064	3,978
8	11	20,000	10,284		82,272	-	-	59,220	1,248	5,345
9	12	20,000	10,284		92,556	-	-	69,720	1,436	6,941
10	13	20,000	10,284		102,840	-	-	80,800	1,627	8,776
11	14	20,000	10,284		113,124	-	-	92,480	1,823	10,862
12	15	20,000	10,284		123,408	-	-	104,760	2,022	13,210
13	16	20,000	10,140		133,548	-	-	117,700	2,225	15,831
14	17	20,000	0	-	133,548	-	-	122,400	2,293	18,599
15	18	20,000	0	-	133,548	20,000	20,000	127,280	2,339	21,496
16	19	20,000	0	-	133,548	22,000	42,600	111,560	2,041	24,182
17	20	20,000	0	-	133,548	24,000	67,878	93,120	1,703	26,610
18	21	20,000	0	-	133,548	26,000	95,914	71,840	1,324	28,732
19	22	20,000	0	-	133,548	-	98,791	47,640	903	30,497
20	23	20,000	0	-	133,548	-	101,755	49,500	920	32,332
21	24	20,000	0	-	133,548	-	104,808	51,440	938	34,240
22	25	20,000	0	-	133,548	-	107,952	53,460	956	36,223
23	26	20,000	0	-	133,548	-	111,191	55,560	974	38,284
24	27	20,000	0	-	133,548	-	114,527	57,740	993	40,426
25	28	20,000	0	-	133,548	60,000	177,963	60,000	1,012	42,651