If there are still people who don't know whether to buy education insurance for their children, you can read the following article:
Parents must read: Is it necessary to buy education fund insurance? How to choose the right product? 》
1. How about talent baby education annuity insurance (dividend-sharing type)?
According to the old rules, let's first study the protection form of talent baby education annuity insurance (dividend type):
& gt& gt guarantee analysis
The protection responsibility of the gifted baby education annuity insurance (dividend-paying type) includes three types: growth care fund, family establishment fund and death insurance fund.
During the guarantee period, if there is no death, you can get the growth care fund of 15 years, and you can get the basic insurance amount of 20% every year.
You can get 100% basic insurance at the age of 30.
If you die during the insurance period, choose between the cash value and the premium paid, and pay according to which one.
For such security content, it can only be said to be general.
& gt& gt Analysis of Advantages and Disadvantages
1, and the insurance age is set reasonably.
According to the regulations of CBRC, annuity insurance is not allowed to return the annuity within five years.
In other words, after starting the annuity insurance, you can receive the annuity as soon as possible from the fifth year of the policy.
15 years old is the starting age of annuity for gifted baby education annuity insurance (dividend type).
Therefore, 10 is the highest insurance age.
Therefore, the maximum insurance age of talent education annuity insurance (dividend type) has not shrunk.
In this respect, it is much better for those education funds whose maximum insurance age is 1 1 year, but they need to wait until 18 years old to receive the annuity ~
2. Additional insurance is not supported.
Cai Ying Baby Education Annuity Insurance (dividend type) does not support additional insurance.
This means that even if there is more budget in the future, you can't get higher income by increasing the amount of insurance.
In this way, for those who have insufficient budget but still want high insurance coverage, there is really no way to satisfy them.
At this point alone, the flexibility of the gifted baby education annuity insurance (dividend-paying) is not enough.
3. The insured has no exemption guarantee.
Cai Ying Baby Education Annuity Insurance (dividend type) has no exemption for the insured.
In other words, if the insured is unfortunately unable to pay the premium during the payment period, the policy will not work and the protection for the children will be interrupted. ...
For more information about Ping 'an Cai Ying's baby education annuity insurance (dividend-paying), you can learn from this article:
After reading it, buy Ping An Cai Ying Baby Education Annuity Insurance (dividend type)! 》
Second, is the genius baby education annuity insurance (dividend type) worth buying?
From the above analysis, it can be said that the performance of Cai Ying baby education annuity insurance (dividend-sharing type) is quite satisfactory. Although the insurance age is relatively reasonable, it is not allowed to increase insurance and there is no exemption for the insured. If you want to insure, you should still think carefully.
Finally, if you want to know more about other educational gold products, you can look at the list carefully compiled by your senior sister, and maybe you can find one suitable for children:
"The latest! The evaluation of the eight education funds with the highest yield in 2023 is coming ~ "
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