The daily insurance payment period is flexible, the scheme is flexible and optional, and the insurance can be increased or decreased flexibly. The location of the pit is as follows:

1, weak death protection

For the daily death payment of children's annuity insurance, only the paid premium and cash value will be paid, whichever is greater.

For the same type of products, death compensation is the largest among paid premiums, current prices and insured amount. In this way, the death compensation during the death period is the highest and the protection will be better.

In contrast, children's annuity insurance is a little insufficient every day.

2. Cannot attach universal account.

Tiantianshang Children's Annuity Insurance does not provide universal accounts. If you want to put the annuity you receive in the universal account, you can add value for the second time. Sorry, we don't offer this channel.

On the other hand, the insured can only get income through the annual annuity, which is very passive.

Excellent universal account can guarantee the interest rate to reach 3%, and it can really benefit a lot to compound interest and increase value according to this interest rate!

Although there are some shortcomings in the daily protection of children's annuity insurance, its income is very considerable! Compared with the children's annuity insurance in the market, it has a great competitive advantage.

The highlights of children's annuity insurance are still outstanding, as follows:

1. The coverage of the education stage is relatively comprehensive.

This product can provide guarantee for university education and continuing education.

With the popularization of higher education, it has become a common thing for children to go to college, but the high expenditure for children to receive higher education is still a headache for many families.

Planning in advance is to provide more adequate material guarantee for children's education, and the university education funds are set for this purpose.

With the progress of society, college education can no longer meet the needs of children's development. Some people will pursue a higher level of education, which means that children need to pay more time for education and parents need to give their children more material support.

The continuing education fund in children's annuity insurance can meet this demand.

This product gives consideration to both university education and further study, and the due insurance money can be used as the start-up fund for children's entrepreneurship, covering the protection of children from receiving higher education to going out of society, which is more comprehensive.

2. Choice is more flexible

Everyday children's annuity insurance is flexible in the choice of guarantee responsibility, collection method and even the choice of initial investment amount.

The insured of this product can choose for their children according to their own needs, and can choose all or one.

You can choose to insure only the university education fund or the continuing education fund, or both.

The choice of protection responsibility of daily children's annuity insurance is quite flexible, and the payment method can be batch payment or annual payment; You can also choose the method of monthly income or annual income.

However, it should be noted that the age limit for insurance is different for different security responsibilities.

If you only choose a college degree, you can be insured at the age of 0- 12; Choose a further education fund to ensure that you can be insured at the age of 0- 16; At the same time, the insurance age is limited to 0- 10.

If you want to insure your child, you must pay attention to the age limit of insurance, so don't lose your protection.

3. More comprehensive protection

Everyday upward children's annuity insurance not only provides education fund protection, but also maturity fund and death fund, which can be converted into pension when necessary.

However, it should be noted that the pension annuity conversion right is only valid if you apply before you receive the education grant for the first time. After the conversion, the responsibilities such as education fund, maturity insurance fund and death fund will automatically terminate.