Today, Senior Sister wants to take a look at Tongfang Global Talent Jinsheng (Type B) Education Insurance with you to see if it is really that good. Click the link below to learn the true face of Tongfang Global Talent Jinsheng (Section B) Education Gold Insurance:
"Tongfang Global Talent Jinsheng (Section B) has a fixed income from education insurance? This article reveals the secret for you! 》
1. What is the insurance coverage of talent education (Section B)?
Needless to say, let's take a look at the protection form of talent education insurance (section B):
1, insurance conditions
Cai Ying Jinsheng (Section B) Education Gold Insurance supports insurance after 7 days of birth-13 years old.
Compared with those education policies with the insurance age of 28 days-10, the insurance age range of Cai Yingjinsheng's (B) education insurance is slightly larger.
No matter from the perspective of a baby or an older child, it is friendly ~
Its guarantee period includes 25 years old and 30 years old, which is satisfactory.
The payment period can be agreed with the insurance company at the beginning.
It should be emphasized that the education insurance for gifted students (Part B) only provides three exemption clauses.
It should be understood that the insurance company will not provide compensation if the risk situation is the same as the exemption clause.
In this way, the fewer exemption clauses, the greater the advantage.
Compared with the education insurance with 5 or 7 exemption clauses, the education insurance of Cai Ying Jinsheng (Section B) is more in line with the actual situation.
2, in terms of security content.
Cai Ying Jinsheng Education Insurance (Section B) has three kinds of insurance liabilities-education annuity, expiration insurance and death insurance.
Senior sister introduces education annuity and expiration insurance seriously ~
At present, the receiving period of the education annuity of the talent education annuity insurance (Section B) is related to the selected guarantee period.
If you choose to stay until you are 25 years old, you will have the opportunity to get a four-year education fund from the age of 18.
If you choose to stay until you are 30, you can get a seven-year education fund from the age of 18.
This means that if you choose the guaranteed 25-year-old version, you can provide education funds for your children when they go to college.
If you choose the 30-year-old version, the education fund obtained by the insured can also cover the children's postgraduate entrance examination or enter the early stage of society.
So parents can choose according to their education plan for their children ~
If the guarantee expires, you can also apply for 1 10% of the paid premium.
It means that you can get back 1 10% of the premium when it expires, so the education money you received before can be regarded as "pure profit"!
But don't be too happy. No matter whether you receive an education annuity or expired insurance money, you can only receive it if you limit the survival of the insured.
However, if you want to insure the education fund insurance, you should also pay attention to these points:
Learn this trick and stay away from the 99% pit of annuity insurance.
3. In terms of other rights and interests
Cai Ying Jinsheng (Section B) education fund insurance has two rights and interests: policy loan and automatic payment.
Moreover, policy borrowing can make policy funds more flexible.
After all, if you buy it for your child when he is young, you must wait until he 18 years old before you can start receiving the education grant.
During this period, if there is a shortage of funds, and you have the loan right of the policy, you can also apply for a loan from the insurance company with the policy. At that time, you can lend a part of the current cash price and return the principal and interest at maturity.
In this way, the financial flexibility of this policy is very strong.
From this point, we can know that the education insurance for gifted students (section B) is still very thoughtful.
Second, is the talent education fund insurance (section B) worth insuring?
Cai Yingjinsheng's education fund insurance (Section B) has few insurance conditions and few exemption clauses.
In addition, its policy income is fixed and its funds are highly flexible. At the same time, there are two different ways to collect education funds, and parents can also analyze their actual needs and make reasonable arrangements.
On the whole, Cai Ying Jinsheng's education insurance (section B) has a low cost performance and insufficient protection, which is not particularly worthy of our insurance.
In addition to education insurance, many products that parents pay attention to can make their own pension plans in advance, such as the popular Guangming Huixuan pension insurance, which can live forever and ensure income. If you are interested, you can have a look:
Pay attention to these points before handling the old-age annuity insurance of Everbright Yongming Guangming Huixuan (A)! 》
Write it at the end
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