1, do what you can?
When buying education insurance, every parent should do what he can, and the proportion of education premium to family annual income should be maintained at 10%~25%, otherwise it will bring certain economic tension to the family. ?
2. Additional medical care?
For the newborn baby, the average family can focus on the child's medical problems, because infants are prone to illness, and the accumulated medical expenses are large and small. At present, some education insurance is attached to children's medical insurance and accidental injury insurance, and parents can consider this kind of insurance. ?
3. Do you catch up early or not?
Generally speaking, parents should buy insurance for their children as soon as possible. The sooner they take out insurance, the more education funds they accumulate, the less they pay each year, and the sooner they can be guaranteed. ?
4. Is premium exemption important?
Parents should try to buy education insurance products with premium exemption clauses, so that children can still be protected when they can't continue to pay premiums in case of accidents or serious illnesses. ?
5. Don't buy whole life insurance?
Paying the same premium, if both education and death functions are required, then the life insurance coverage period will be long and the amount of education protection will be diluted. The general children's education fund insurance can be guaranteed until adulthood. When they grow up, they can buy insurance according to their own economic strength and needs.
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