1. What is an education grant?
? Education fund insurance is an insurance that provides certain education funds for children at different stages of education. Parents can insure their children when they are babies, and start to collect them when the education cost is high, such as high school, university, graduate school and other stages, so that they can receive education funds from insurance companies every year, and use this money to protect their children's education expenses.
Second, what are the benefits of education fund insurance?
1, special fund is special
Once you have purchased the children's education insurance, you can't get the insurance money until the time agreed in the contract. Therefore, the education funds paid by insurance companies can be used to specifically protect children's learning, which has the characteristics of earmarking.
2. Forced storage
Many parents are ahead of their consumption consciousness and it is easy to save money. Once the education fund insurance is insured, parents need to pay the insurance premium at a fixed time every year until the payment is due. Therefore, education fund insurance can help parents save enough education funds.
3. Consider other safeguards.
There are not only pure education insurance in the market, but also some comprehensive education insurance with other guarantees. For example, China Merchants Cigna's Baby A-type education annuity insurance product plan can provide high education expenses for children, as well as basic protection such as accident protection and major illness protection (see insurance clauses for details). As the Olympic champion Yang Wei's choice for children, the guarantee is very comprehensive.
4. Insurance premium exemption
The exemption of the insured means that if the parents who are the insured unfortunately die or are completely disabled, according to the insurance clauses, the unpaid insurance premium can be reduced and exempted, and the children can continue to be protected. This is a very humanized education fund insurance choice. Parents can buy education fund insurance exempted by policy holders for their children, which can reduce the impact of accidents on their children's education and effectively guarantee their success.
Third, how to buy an education fund?
The guarantee of education funds is very flexible, and parents can make personalized choices according to their children's education plans. The insured amount can be roughly estimated according to the children's educational requirements and education level, and the collection time can be determined according to the time when parents want to get educational financial support.
As for the guarantee time, if you only care about your child's education, you can choose a regular period, such as until your child graduates from college or goes to graduate school. However, if the family's economic situation is relatively good and you want to realize the old-age security by purchasing children's education insurance, you can choose to keep it for life and then convert it into a pension when you are old.
More insurance questions can be consulted by telephone.
Pre-sales product consultation: 400-880-3633
After-sales service: 95362
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