No, there is a product called Dehua an Jincai Future Children's Education Fund. Yesterday, I received a request from a parent and friend backstage, saying that I wanted to see the evaluation about it, and my senior sister would arrange it ~
In the early stage of evaluation, seniors should share with you a guide to the selection of education funds. Parents and friends had better have a look:
Is it necessary to buy education fund insurance? 》
1. What is the guarantee content of Gu Future Children's Education Fund in Dehua?
The senior spent the whole night making the product shape diagram of Jincai Future Children's Education Fund. Let's go and have a look first:
For a children's education annuity, senior sister thinks that this product still has many merits:
1. Humanized collection time of survival insurance money
It is clearly stipulated in Dehua's future children's education gold annuity insurance clause that the insured will have survival insurance money from the age of 18. The insured can get the basic insurance amount every year, and you can get 2 1 year.
According to the insurance scheme in the chart, you can get 1 10,000 yuan in one year, and the insured can get 40,000 yuan in four years.
As we all know, this time is when children go to college, and the annual tuition and miscellaneous fees plus various expenses are also a lot of money. However, if you can get this money every year, then your child will have the tuition and living expenses needed for going to school every year.
2. Rich responsibilities can be attached.
The universal account, high school education fund and insurance exemption liability in Dehuagu's future children's education annuity insurance are its additional risks, which give the insured many choices about protection.
The universal account in the above additional content is equivalent to an additional income channel, which is likely to bring more income to the insured.
The key stage of children's education is also covered by the high school education fund. If the insured chooses to attach this responsibility, the protection for children will be more comprehensive in the future.
Worry-free exemption is also a very practical guarantee provided by Dehua Gu Jincai's future children's education pension annuity insurance. If the insured suffers from serious illness, death or total disability, the policy premium can be exempted and the contract will remain valid. It avoids the situation that children can't be guaranteed after the accident of adults.
Generally speaking, the shortcomings of this product are also particularly obvious.
1. Force universal account binding
Additional universal account is a necessary condition for insuring Dehua Gu Jincai's future children's education pension annuity insurance. Unfortunately, the income of its universal account cannot be accurately judged, so there will be an obvious drawback, fearing that the dividends obtained by the insured at that time will not be guaranteed.
There are various types of annuity insurance. Universal account is not a necessary item for every annuity insurance. Some annuity insurance allows the insured to choose whether to attach a universal account. Not only can you see considerable benefits, but you can also get a good guarantee.
Real income of Taikang annual annuity insurance
It is very unreasonable that Dehua's Gu Jincai's future children's education gold annuity insurance is forced to bind universal accounts.
It takes a long time to withdraw funds.
Although Dehua's Gu future children's education pension annuity insurance sets the annuity collection time at the stage when children go to college, it is really thoughtful.
However, once this product is insured, you must wait until the child 18 years old to receive the first annuity, and if the four-year education fund is used up, it will take four years (or six years) to get the full insurance fund.
It seems that the funds have been idle for a long time. If you have many other financial plans, this insurance is not recommended.
Second, is Dehua Gu's future children's educational income high?
For those who buy financial insurance, income is very important.
Senior, let's take a look at the insurance examples in the chart and demonstrate the benefits of Dehua's Gu Future Children's Education Pension and Annuity Insurance:
It turns out that the yield of Dehuagu's future children's education pension annuity insurance can be so low, which seems to require calculation to find out.
According to the information in the chart, the yield of this product is positive for a long time until the policy 14 years. Annuity can be fixed in the first year of the policy 18-2 1 year, when the income is the highest. But the highest internal rate of return is only 2.2%, which is not attractive enough.
In fact, for the wealth management insurance products that most people are familiar with now, the income of this policy in the seventh year is actually very high. In fact, the internal income of 18 to 2 1 is already very high, which can reach 2.78% compared with other policies. This can only be reflected in the rate of return, which is increasing every year, not to mention the future rate of return!
Compared with the above advantages and disadvantages, which is better, don't need to explain more?
3. Is Dehua an Gu Jincai Future Children's Education Fund worth buying for children?
Generally speaking, Hua 'an Gu Jincai's future children's education pension insurance is rich in responsibility, but it also has some shortcomings, such as mandatory binding of universal accounts and long time to withdraw funds, not to mention its income is really too small.
With the continuous improvement of children's education level, the demand for monetary investment only increases, and the income from Hua 'an Gu Jincai's future children's education gold annuity insurance is obviously not enough to cover children's education fund needs.
It is more beneficial for parents and friends to make plans early. Don't miss this amazing list of education grants:
"202 1 evaluate the eight education funds with the highest rate of return! 》
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