However, before entering the theme, Senior Sister also prepared a strategy for everyone, which will mention how to avoid the pit of annuity insurance:
Learn this trick and stay away from the 99% pit of annuity insurance.
1. What is the guarantee content of the future university education gold annuity insurance and the small champion education gold?
As before, let's take a look at the product comparison chart of Dreaming Future University Education Pension Insurance and Small Champion Education Pension summarized by Senior Sister:
The following seniors will make a comparative analysis from two aspects: insurance rules and security content.
1. Insurance rules
Zhu Meng's future university education annuity insurance requires the insured age to be 30 days after birth-12 years old, while the insured age range of the junior champion education pension is even lower, with the insured age range being 28 days after birth-13 years old.
In contrast, Zhu Meng's future university education endowment insurance has a longer guarantee period, which is the date corresponding to the effective date of the first contract after the insured reaches the age of 22, while the small champion education fund can only be directly guaranteed until the insured reaches the age of 2 1 and a contract takes effect.
In addition, in terms of payment period, there are more options for future university education endowment insurance, including wholesale payment and 3/5-year payment. However, the Small Champion Education Fund only supports wholesale payment. After comparison, it is easy to see that the dream future university education fund and annuity insurance are suitable for more people.
In terms of insurance rules, I dream that college education endowment insurance will perform better in the future.
2. Guarantee content
Imagine that the future college education annuity insurance will provide four kinds of security responsibilities: survival insurance, death insurance, expiration insurance and permanent total disability insurance. However, the protection content of the small champion education fund is not very strong, which only covers survival insurance, death insurance and expiration insurance, and does not cover disability protection.
At the same time, as far as survival insurance is concerned, Zhu Meng Future University Education Gold Annuity Insurance pays 100% of the basic insurance amount, and the small champion education gold pays 5% of the basic insurance amount. If the insurance amount is the same, which education fund can get more money, everyone knows very well, and there is no need for the introduction of the senior sister. The gap between the two is really not small.
However, Zhu Meng's future college education gold annuity insurance is paid according to the balance and cash value of the paid premium after deducting the survival insurance, while the small champion education gold is paid directly with the larger premium and cash value, and the survival insurance is not deducted, so the small champion education gold is more brilliant in terms of the death insurance.
In terms of maturity insurance, Zhu Meng future university education endowment insurance pays a certain percentage of the paid premium, while the small champion education fund allows the insured to pay a certain percentage of the basic insurance amount. They have different payment bases, so it is not clear which product will be better.
But on the whole, it is more valuable to dream about the security content of college education endowment insurance in the future. After all, there is permanent and complete disability protection, but the small champion education fund has not been added.
If you want to know more about the small champion education fund, you can go to this article to see:
"Is the income of China Merchants Renhe Small Champion Education Fund high? An article reveals the secret! 》
Second, dream of future university education gold annuity insurance VS small champion annuity insurance, which product is better?
Generally speaking, I believe everyone has a certain understanding of these two products, and as we all know, the insurance rules and protection contents provided by Dream Future University Education Fund and Annuity Insurance are better than those provided by Little Champion Education Fund.
However, this is just a comparison between the two products. If we analyze the future college education annuity insurance separately, we will find that there are some other aspects worthy of attention. For example, there are many exemption clauses, which is not a good level compared with annuity insurance that only provides three exemption clauses.
Therefore, if you want to insure the dream future college education annuity insurance, you must find out the insurance clauses and judge whether it meets your own needs.
If you think these two education funds are not suitable, you can also look at this list, which is full of products with high cost performance:
"The latest! The eight education funds with the highest rate of return in 2022 have been selected ~ "
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!