Before the official start, Senior Sister presents you with a list of popular education grants:
"The latest! The eight education funds with the highest rate of return in 2022 have been selected ~ "
I. Hengan Standard Jinzhi Qi Hang Education Gold Annuity Insurance pk Merchant Renhe Small Champion Education Gold Insurance, which is more worth buying?
Before it is too late, let's take a look at the protection content map of these two products:
Next, the senior sister will give you a detailed analysis from the aspects of insurance age, protection content and rights and interests:
1. Insurance conditions
In terms of insurance age, Hengan standard Jinzhi Qi Hang Education Gold Annuity Insurance supports children aged 0- 12, and China Merchants Renhe Small Champion Education Gold Insurance supports children aged 0- 13. In contrast, China Merchants Renhe Xiaozhuangyuan Education Gold Insurance covers a wider range of insurance ages.
If you want to know the detailed evaluation content of China Merchants Renhe Small Champion Education Gold Insurance, you can go to this article:
"Is the income of China Merchants Renhe Small Champion Education Fund high? An article reveals the secret! 》
With regard to the guarantee period, Hengan standard Jinzhi Qi Hang Education Pension Insurance sets two options, namely, guarantee to 25 years old and guarantee to 30 years old, while China Merchants Renhe Education Pension Insurance only guarantees one option, that is, guarantee to 2 1 year old. Relatively speaking, Hengan standard Jinzhi Qi Hang education annuity insurance has a wider range of coverage periods and a longer coverage time.
Hengan standard Jinzhi Qi Hang education gold annuity insurance provides four payment cycles. The insured can choose wholesale payment, 3-year payment, 5-year payment and 10-year payment, while the investment promotion and small champion education insurance only support wholesale payment. Comparatively speaking, the payment period of Hengan standard Jinzhi Qi Hang Education Pension Insurance is more flexible and has more choices, which allows more parents to choose their own payment period at will.
The two products provide seven exemption clauses for the insured. Look carefully, there are active drug abuse, drunk driving, driving without a license, military conflicts, nuclear explosions and so on. If the insured encounters a claim event, which is an exemption clause, then the insurance company will not be liable for compensation.
2. Guarantee content
Hengan standard Jinzhi Qi Hang Education Gold Annuity Insurance provides four guarantees for the insured-university education fund, further education fund, maturity fund and death fund, while investment promotion fund and small champion education fund insurance are equipped with three guarantees, covering survival fund, maturity fund and death fund.
Moreover, the compensation rules of the two products' guarantee contents are also different, and both of them have their own uniqueness. Furthermore, in terms of expiration insurance, Hengan standard Jinzhi Qi Hang Education Gold Annuity Insurance pays the basic insurance amount, while China Merchants Renhe Small Champion Education Gold Insurance can only pay 80% of the basic insurance amount, which we need to pay attention to.
In this paper, I have sorted out more evaluation contents about Hengan standard Jinzhi Qi Hang education annuity insurance. Interested friends can have a look:
Is the insurance value of Hengan standard Jinzhi Qi Hang education pension worth buying? We must pay attention to these points. "
3. Equity
Both products include the right to policy loans. If money is badly needed, we can use this right to solve the urgent need.
However, it needs to be reiterated that the term of each loan cannot be greater than 6 months and the maximum loan amount agreed by the insurance company.
Second, the senior sister suggested
On the whole, we can see that Hengan standard Jinzhi Qi Hang Education Gold Annuity Insurance is more satisfactory than investors and education gold insurance in terms of guarantee period and payment period, but they have their own characteristics in terms of guarantee content. Therefore, parents can choose according to their children's safety needs.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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