Today, Senior Sister takes this Lujiazui Guotai Le Future Children's Education Annuity Insurance as an example to see if it is worth starting!
Before the official start, the seniors prepared a small gift for everyone. Interested parties can poke this:
"Super complete! Everything you want to know about insurance is here.
1. What is the guarantee responsibility of future children's education annuity insurance?
Let's take a look at the protection map of Le Future Children's Education Annuity Insurance:
As can be seen from the table, Le Future Children's Education Annuity Insurance is relatively rich in guarantee responsibility. Next, the senior sister will give you a detailed introduction:
1, flexible insurance
The minimum age limit for future children's education annuity insurance is 28 days after birth, while the maximum age for supporting insurance is set according to the payment period, which means that the upper age limit of insurance is different for different payment periods.
If parents choose wholesale payment /3-year payment /5-year payment, then this product can be insured by children aged 13 at most; If it is decided to pay in 10 year, then the upper limit of insurance age is 10 year; If it is 15, you can insure children under 5 years old at most. Parents can choose the appropriate payment method according to their children's age and financial situation.
In addition, this product can be guaranteed until 24: 00 the day before the contract takes effect when the insured reaches the age of 60. Suppose you want to make a long-term financial planning for your child. This product meets the requirements.
If parents don't know what annuity insurance is worth buying for their children, you can look at these 10:
"Top Ten Annuity Insurance Rankings ▏ Want to buy high-yield annuity insurance? Don't miss this 10 model again! 》
2. The safety content is rich.
Le future children's education annuity insurance is still relatively targeted, which can effectively meet the economic needs of children at different stages of life.
This product covers the rights and interests of 10, and the insurance fee it provides for senior high school education/university education/further education helps families to balance their financial expenses, prepare for future education earlier, and avoid parents' excessive economic pressure in the future.
And some other rights and interests protection, such as some other rights and interests protection, as well as special care insurance, can give children strong confidence to meet various challenges after entering the society.
Second, is the future children's education annuity insurance worth buying?
1. Accidental death of the insured/total disability protection.
Le future children's education annuity insurance can be said to be a kind of exclusive insurance for children, but children have no financial resources. If parents unfortunately have an insurance accident, the child's premium will not be paid.
However, the future children's education annuity insurance is quite thoughtful in this regard, and the following guarantees are set up: the accidental death/total disability exemption of the insured and the care fund guarantee. When adults are unfortunately out of danger and meet the conditions stipulated in the contract, these rights and interests will definitely play a role in solving parents' worries!
2. There are two kinds of exemption clauses.
What is an exemption clause? Simply put, it is the case that the insurance company does not bear the responsibility. Therefore, there is no doubt that the less exemption clauses are set, the better.
Le Future Children's Education Annuity Insurance can be divided into two situations in the setting of exemption clauses. Fortunately, the future children's education annuity insurance only has three items for the insured, which is for the consideration of consumers. However, there are as many exemption clauses as 10 in the future children's education annuity insurance, and there are quite a few exemption clauses.
Generally speaking, the guarantee responsibility of Le Future Children's Education Annuity Insurance is quite satisfactory. However, in the view of senior sister, parents and friends should first ensure the health of their children, and always follow the principle of ensuring first and then managing money.
Want to know more about Le Future Children's Education Annuity Insurance, please read this article:
"Lujiazui Guotai Le future children's education annuity insurance protection responsibility? Look at this place! 》
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