According to the annual 1 0,000 yuan, A is consumer insurance, 3 yuan every year, and it needs to be renewed after one year; B is savings insurance, which is returned from 50 yuan to 50 yuan every year and followed up for one year; According to the annual interest rate 1.98, the interest of type A insurance =3x 1.98%=0.0594 yuan, hardly counting interest, and the interest of type B insurance =50x 1.98%=0.99 yuan; From the numerical point of view, paying insurance A is equivalent to 3 yuan per year, and insurance B is equivalent to 0.99 yuan per year. If the insurance liability is the same and the coverage is the same, the cost of insurance B is less and the cost performance ratio is higher; But if the annual interest rate is equal to 6%, it is equivalent to insurance A; When it is higher than 6%, A insurance is cost-effective; If you want to insure 30,000 yuan, that is, the amount of protection is 30,000 yuan and 30,0001000 = 30 copies, you need to insure 30 copies of B insurance, and you need to pay 50x30 = 15438 yuan/year. For your reference, the interest on 30 copies of B insurance is 1500 * 65438+.