1. The younger you are, the more money you get. The sooner the better, the smaller the better.
2. There are many uses, which can be used not only to supplement university education funds, but also to get married and start a business.
3. It has the functions of saving and ensuring, locking in the benefits in advance and making the benefits clear.
That's why I want to buy children's education insurance.
Matters needing attention in children's education insurance:
1. On the basis of matching children's accident insurance, medical insurance and critical illness insurance, if you have extra spare money and don't use it for a long time, consider buying children's education insurance;
2. Try to choose products with short payment time. After all, the shorter the payment time, the longer the interest will roll, which is more helpful for children to receive education funds in the future;
3. According to the needs of parents, there are many types of children's education insurance. Among them, increasing whole life insurance and education funds is not only safe, but also has the advantages of compulsory savings and steady appreciation, which is an artifact of "saving money";
4. When choosing education insurance for children, we should not only consider its saving function, but also its security function. We can use additional risks flexibly, such as additional accident insurance, medical insurance and critical illness insurance. In order to cope with possible risks such as disease, disability and death in the future.
What are the disadvantages of children education insurance? If you want to know whether it is necessary to buy children's education insurance, you need to find out the bad side:
1. Short-term withdrawal may result in loss, and early surrender may result in loss of principal.
2. The income from obtaining funds is clear, but the capital flow is poor, and the income is not particularly high, reaching the IRR value of 4% at most.
The content analysis of whether it is necessary to buy children's education fund insurance is introduced here, because the payment time of children's education fund is not short. In addition to the benefits written in the contract, if it is dividend annuity insurance, it is better to pay attention to the strength of the insurance company.