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 funds for junior high school, senior high school and university, but also the after-work venture fund, marriage fund and even retirement pension fund. 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.

Insurance advice

1, pay attention to safety before education. Many parents spend a lot of money to buy education insurance for their children, but don't buy or ignore accident insurance and medical insurance, which puts the cart before the horse.

2. Ask about the scope of the exemption clause. When buying the main insurance, you should also buy premium-free additional insurance. In this way, if parents cannot continue to pay premiums for some reason, the protection for their children will continue to be effective.

3. Pay attention to liquidity risk when buying education fund insurance. The defect of education fund insurance is poor liquidity and high premium. Once the capital is invested, it is necessary to pay the insurance premium to the insurance company regularly according to the contract, which is a long-term investment.

4. When buying education insurance, we should take into account the security function to cope with the risks of illness, disability and death that may occur in future children;

5. Parents should skillfully use the combination when buying education insurance for their children, that is, use education insurance for education planning before the fourth grade of primary school, and use the combination of "education insurance+education savings" after the fourth grade of primary school.

6. Education fund insurance has the function of insurance protection, which can provide protection for the insured and the insured in terms of illness, accidental injury and high disability.

7. Once the insured suffers from diseases, accidental death, high disability and other risks, and can no longer continue the children's education fund reserve plan, the insurance company will waive the insurance premium that the insured should pay in the future, which is equivalent to the insurance company paying the insurance premium for the insured, but the original rights and interests of the policy remain unchanged, and can still provide the children with the cost of future education.

Insurance standard

First, the education fund account should be earmarked, long-term reserves, and steadily increase in value. In addition, because there are many possibilities for children's future education, the education fund needs to be flexible, and customers can decide the time and amount of the education fund by themselves.

Second, the guarantee is flexible and adjustable. Peace and happiness are parents' greatest expectations for their children. In the long life of children, the insurance protection of education funds needs to be adjusted according to the risks of children in different life stages. Children's insurance with adjustable coverage and flexible coverage can meet children's personalized life needs.

Third, the education fund insurance premium can be exempted.

Love for children is unshakable and uninterrupted. If the insured or the insured has personal risks, it will have a great impact on the family economy, and it is likely that the child's insurance plan will not be completed on time and with good quality.

If premium-free products are attached, when the insured dies or suffers from disability, serious illness or serious illness as agreed in the contract, the remaining premium will be paid by the insurance company to ensure the realization of love for children.