Question 1: What is education fund insurance? The so-called education fund insurance refers to the money that children can receive when they are in high school, university or studying abroad, but most of this money is saved by parents in the form of compulsory savings, but it can be taken out regularly when children are studying, and the funds are special. Nowadays, many people choose insurance companies to deposit education funds for their children instead of depositing them in banks. First, compulsory savings are too flexible to be deposited in the bank. Second, insurance companies also have a guarantee function, so that children can get reimbursement and serious illness protection functions when they encounter bumps. Third, education fund insurance has an exemption function for adults. In case of accident, serious illness, death, etc. During the ten years of saving education funds for children, there is no need to save education funds. Children can still receive education funds according to the agreement at that time when they study in the future, and they will not lose the opportunity to study because of adults. It can ensure the completion of the reserve of education funds. And it's not cost-effective to have no insurance. As long as this policy can really solve the problem you want to solve, it is the right policy for you.

Question 2: What are the benefits of education fund insurance? This kind of insurance is the insurance with the worst meaning. It is not so much savings as insurance. After careful calculation, it is not as good as bank deposit. If you give the premium to the insurance company, the salesman will take part of the commission and the management fee will be taken away. The rest will be saved for a few years and then become an education fund. Therefore, I am most opposed to participating in this kind of insurance. There is also a children's venture fund, which is bullshit.

Question 3: What kind of education fund insurance should I buy? The income is always in direct proportion to the risk, so it must be avoided! Child protection: Accidents, medical care and serious illnesses can solve your worries by several hundred yuan a year, mainly considering you. Because you have to pay for the protection of your children, you must first ensure your health and stable income.

To buy insurance scientifically, you must have adults before you have children; Insurance (accident, medical care, serious illness, etc.) should be provided before investment (pension, education, financial management, etc.). Especially at your age, accident insurance must be considered. There are many factors that need to be considered when purchasing insurance reasonably: age, gender, annual income, annual expenditure, annual balance, current security, loan, investment (stocks, funds, bonds, real estate, etc.). So don't let these uncertain factors affect our future quality of life. Be sure to think carefully, because insurance claims are directly linked to age. The older you get, the higher the cost and the shorter the guarantee time. In addition, scientifically planning insurance means controlling the annual insurance coverage at 65,438+05-20% of the annual household income, and the life insurance coverage should be 5-65,438+00 times of your annual income, so as to avoid potential risks reasonably.

Question 4: What is an education fund? What are the functions? Education fund insurance, also known as children's education insurance, provides corresponding insurance premiums for children's educational needs at different growth stages. At present, the children's education fund insurance sold in the market includes not only the education fund for junior high school, senior high school and university, but also the start-up fund after work, marriage fund and even retirement pension. The emergence of children's education insurance enables insured children to reserve a sum of money at every specific stage of their lives, which reduces the financial burden of parents and fully reflects their care for their children.

As a special type of children's insurance, various insurance companies provide professional children's education insurance products. Children's education fund insurance can be divided into life insurance and non-life insurance according to the guarantee period of specific insurance products.

Question 5: How many types of Ping An Insurance Education Fund are there?

Ping An Insurance's education funds are mainly Wisdom Star and Century Tianjiao!

There are two main types of education grants:

First, the traditional education annuity insurance, such as 18 years old (generally the age of going to college) began to receive it every year and ended for four consecutive years. There are also people who receive insurance benefits at the age of 25, so the amount of insurance is fixed and the protection is clear.

At present, the hot universal insurance or joint venture insurance in the market takes the form of investment appreciation as the reserve of future education, but there are certain risks and there is no guarantee of how much appreciation!

If you choose an education fund, I suggest you choose it according to the specific situation of your children and family!

Question 6: How old is education fund insurance suitable for children? How much is it every year? The specific suggestions for insuring children are as follows:

1. To buy insurance for children, we must first consider whether adults have enough protection, and don't put the cart before the horse.

2. Don't ignore local insurance policies, such as whether there is medical security for the old and the young.

2. Children's insurance, and then talk about education funds on the basis of security.

3. In terms of security, accidents, serious illness and medical care must be considered.

There are three kinds of children's insurance in the market: dividend-sharing, universal and investment-linked. It is recommended to choose the first two.

5, insurance planning, do what you can, don't be divorced from the actual affordability, it is not insurance. It is best to solve whatever can be solved. Don't pursue one-step solution, solve it step by step.

6. Remember the additional exemption! !

6. It is unrealistic to buy insurance for children. Don't make too much preparations and plan your life. Treat it rationally and do what you can. You can set short-term, medium-term and long-term financial goals, but don't pursue perfection, reverse the order, and waste money.

7. It is very important to clearly understand the above requirements and rules, and then choose a qualified agent, and then choose an insurance company.

It is suggested to communicate with the agent in detail and verify it in many ways. After all, face-to-face communication is the most practical and effective way.

If necessary, you can also call the customer service phone of the insurance company for verification.

Question 7: How is the children's education fund education fund insurance introduced? Hello, education fund insurance is to deposit an education fund for children on schedule in advance for future high school, college or going abroad. Ensure long-term safe and stable appreciation.

Question 8: What about Ping An Insurance Education Fund? Hello!

Mainly depends on your personal needs. The brand of Ping 'an is still good. But that doesn't mean its products are suitable for your children. For children's insurance, I suggest you consider the following aspects.

The best affordable package, you might as well consider this: a card-type children's insurance card+an exclusive education fund guarantee, the former guarantees basic accidents, medical care, serious illness and other projects, and the latter specifically guarantees education projects.

As for the purchase channel of commercial insurance, you can directly consult the insurance company, or you can compare and choose specific insurance products on the corresponding online insurance platform.

Question 9: What is an education fund? Detailed, how to get it back? Education savings are handled by students in non-compulsory education stage. Is to prepare for high school, college and graduate students. You can open an account in the bank with your ID card. You can apply for three times in three stages: high school, university and postgraduate. You can only deposit 20 thousand at a time. You must have an admission notice or certificate from your school to enjoy interest tax. Now you are a sophomore, you can apply for a two-year time deposit or lump-sum withdrawal. When it expires, you can go to the school to open a certificate, and all banks can handle it.

This answer was changed to 1: 58: 1 1 by the respondent on March 23rd, 2006.

This answer was modified by the respondent on March 23rd, 2006 +06: 59: 19.

This answer was modified by the respondent on March 23rd, 2006 +06: 59: 3 1.

This answer was revised by the respondent on March 23rd, 2006 +07: 04: 08.

This answer was revised by the respondent on March 23rd, 2006 17: 04: 30.

Question 10: What's the difference between education fund and insurance? Since you are asking about the difference, let me analyze it with you.

First of all, in terms of function, both of them can basically meet children's needs for education. From this point of view, there is no difference, because both are based on capital preservation and safety, so the income will not be too high, because the risk is small.

The investment function of the fund is undoubtedly stronger than insurance. Fixed investment can make the income average and obtain a stable return on investment. If the market picks up, the income will be more obvious, which is more favorable than insurance from the perspective of return on investment.

The function of insurance is to transfer risks. Although insurance is not bad in investment, its main function is to transfer the risks of the insured (that is, parents). For example, I have insured an education fund insurance (including exemption clauses) for my children. If I have an accidental disability or serious illness (such as malignant tumor) or even die within ten or twenty years, the rest of the expenses will be paid by the insurance company for me, and the education fund for my children will not be affected.

I suggest that you can use both methods, on the one hand, you can enjoy the stable and sustained income of the fund, on the other hand, you can transfer risks in advance.