The purpose of insurance is to ensure that the family's future life will not be affected by the occurrence of risk events. If we want to ensure that the goal of education savings can be achieved in any case, it can only be achieved through insurance, but not every insurance product is suitable.

To choose insurance products scientifically, we must do the following, which can also be used as a reference principle for choosing insurance.

1. Budget, equivalent to the original education savings plan, does not increase or decrease the budget, but saves in another way to achieve the two purposes of security and education savings.

2. If you get it, you can use it to pay tuition while studying. If you need money urgently, you'd better withdraw it flexibly.

3. Critical illness protection. In case of major risks, it needs 65,438+200,000 yuan, and insurance can provide compensation. And after compensation, we must be able to continue to provide education funds.

4. The applicant is exempted. In case of serious illness or parents' death, it means that you can't continue to save money. Even if you only save 65438+ 10,000 yuan, the insurance will still provide 65438+ 10,000 yuan for education.

5. Warranty period, at least for children and adults. It is best to give children lifelong protection, and then save the cost of buying insurance after the demand for protection increases greatly.

6. Income is not a function that insurance must achieve, but it is best to fight inflation.

7. Function: In addition to education, it is best to provide financial assistance at all stages of a child's life, such as getting married, starting a family, and providing for the elderly.

As far as Ping An Xinxiang's products are concerned, the warranty period is 20 years, and they can be retired at the age of 265,438+0, and it was 65,438+08 when they were in college, so it is a bit late to receive them as an education fund.

However, serious illness can be added as a guarantee. As long as the insured amount is sufficient, the principle of Article 3 can be met, but if the contract is terminated after compensation, education funds cannot be provided.

In terms of income, investment-linked insurance is the highest, followed by universal insurance, and dividend insurance is similar to deposit in a bank.

During the guarantee period, this insurance covers 20 years, but it is not a lifetime guarantee.

The following are recommended schemes for reference.

For example, monthly deposit in 450 yuan provides two functions: financial management and security. Assume that a total of RMB 654.38+million was deposited in 18, and about RMB150,000 can be withdrawn from the wealth management account by 18. No more money will be saved, but the interest will continue to increase, about 300,000 at the age of 30, 600,000 at the age of 40 and1.20,000 at the age of 50.

If there are risks, additional compensation will be made, and the above amount can still be withdrawn to meet the educational needs.

1. Compensation for serious illness is 65438+ ten thousand.

2. After the parents died of serious illness, there is no need to pay any more. The insurance company will deposit the education fund until the child is 22 years old, thus ensuring education.

3. Death10-500,000.

4. Hospitalization reimbursement, accidental medical treatment, hospitalization allowance, operation allowance, burns, etc.