How to understand the purchase of education funds first?
I believe everyone wants to know what happened to the education fund. First of all, we should pay attention to the following points when purchasing education funds: 1. Do your best. As far as buying insurance policies is concerned, parents need to do what they can, and the premium should not exceed 20% ~ 30% of family income, otherwise there will be a relatively large economic burden. 2. Additional medical care. For newborn children, families with average income should make medical preparations for their children. At present, most children's education insurance can be considered, as well as additional children's medical and accidental injury insurance. 3. catch up early, not late. Generally speaking, it is most appropriate for parents to take out insurance before their children are 5 years old, because the earlier they take out insurance, the more education funds they accumulate, the less they pay each year, and the earlier they are guaranteed. For example, if you buy the same insurance, you have to pay the same fee every year. If you are insured at the age of zero, you will eventually get twice as much education as when you were insured at the age of six. 4. It is very important to be free of premium. Try to buy education fund insurance products with premium exemption clauses, so that even if parents have a serious illness or accident during the payment period and lose the ability to pay premiums, the insurance contract is still valid and the expenses required for their children to go to school can still be guaranteed. For example, China Life Insurance's "Old-age Security, a Talented Child" and Xinhua's "Old-age Security, a Happy Growing Child" mentioned in this article all add the premium exemption function. How about Xinhua Life Insurance? I just sorted out the relevant contents, hoping to help you: how about Xinhua Life Insurance? Do you have any insurance recommendations?
How about China Merchants Cigna Education Fund?
The protection of children's education gold insurance is relatively limited. According to the specific situation of children, we should consider choosing accident insurance, major illness insurance and hospitalization insurance with high additional protection. At the same time, while purchasing the main insurance, we should also purchase premium-free additional insurance, so that the protection for children will continue to be effective if parents cannot continue to pay premiums for some reason. How about China Merchants Cigna Education Fund? China Merchants Cigna guarantees future children's education fund insurance. The main advantages of this insurance are: 1. There are not only education funds, but also 30 kinds of serious diseases: 400% of the basic insurance funds can be accumulated (65,438+08-265,438+30% at the age of 0 and 60% at the age of 22-24 and 25). What are the accident insurance for accidental medical treatment? Which is more secure? Which is more worth buying? Let's take a look at some good accident insurance recommendations. Top 20 quality accident insurance in 2020!
2. Major diseases can also be exempted from payment of residual insurance: if the insured dies, is completely disabled or suffers from major diseases during the payment period, it can be exempted from payment of residual insurance.
3. Pay dividends every year, which not only preserves the value, but also increases the value: 400% of the basic insurance amount is guaranteed and you can enjoy dividends every year.
4. Receive money for 8 years in a row, and the minimum payment period is 3 years: it can be guaranteed that you can receive insurance money for 8 years in a row until you are 25 years old, 18-25 years old, which is earmarked for special purposes and gives children a longer guarantee.
5. Insurance policies can be used for loans: in case of emergency, insurance policies can also be used for loans, up to 80% of the insured cash value.
The above is a detailed introduction to "How about China Merchants CIGNA Education Fund". In short, it is particularly important for parents to buy an investment-promoting CIGNA education fund for their children's future, and at the same time, they should choose products reasonably.