It is not easy to buy a suitable education. Insurance consultants who have been insured for more than ten years teach you to choose the most suitable education fund → "Should I buy an education fund?" How to choose the appropriate education fund? 》
1, pay attention to safety before education. Many parents spend a lot of money to buy education insurance for their children, but don't buy or ignore accident insurance and medical insurance, which puts the cart before the horse.
2. Ask about the scope of the exemption clause. When buying the main insurance, you should also buy premium-free additional insurance. In this way, if parents cannot continue to pay premiums for some reason, the protection for their children will continue to be effective.
3. Pay attention to liquidity risk when buying education fund insurance. The defect of education fund insurance is poor liquidity and high premium. Once the capital is invested, it is necessary to pay the insurance premium to the insurance company regularly according to the contract, which is a long-term investment.
4. When buying education insurance, we should consider the protection function to cope with the risks of illness, disability and death that may occur in future children.
5. Parents should skillfully use the combination when buying education insurance for their children, that is, use education insurance for education planning before the fourth grade of primary school, and use the combination of "education insurance+education savings" after the fourth grade of primary school.
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