Hello! When buying children's education insurance, parents need to pay attention to the premium exemption function, be careful of liquidity risk, take out insurance as soon as possible, and abide by the principle of "parents before children". The following is a detailed description:

1. When purchasing the main insurance, you should also purchase premium-free additional insurance. In this way, in case the insured encounters risks such as illness, accidental death, high disability, etc., and cannot 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 are inconvenient, and it can still provide the children with the cost of future education.

2. The defect of education fund insurance is poor liquidity, and the premium is usually high. Once the capital is invested, it is necessary to pay the premium to the insurance company regularly according to the contract, which is a long-term investment, so we must be careful of liquidity risk.

3. Insurance as soon as possible. If you have decided to buy education insurance for your children, the sooner the better, the smaller the better, because education insurance is a dividend-paying savings insurance. The longer you save it, the more benefits you get in the later period, and the better it is for the insured.

4. Abide by the principle of "parents come before children". Because, as the economic pillar of the family, the health and survival of parents are directly related to the survival of the family. If the parents' main source of income is suddenly interrupted, the children will lose financial support. Therefore, we should fully protect their accidents, medical care, major diseases and life insurance. The annual premium paid for children should not exceed that of parents. If you can't take care of both, adults should be the main ones.