A treasure mother chatted with her senior sister and wanted to get an annuity insurance product for her children. She asked her senior sister whether the growing sunshine children's education annuity insurance underwritten by Xinhua Life Insurance was worth considering. Sister Xue will explain it to you in detail!
Before the introduction, you can know something about Xinhua Life Insurance Company:
"Xinhua life insurance, ok? The secrets of the company and products are all in this article! 》
1. How about Xinhua Growth Sunshine Children's Education Annuity Insurance?
Let's take a look at the product protection chart of Xinhua Growth Sunshine Children's Education Annuity Insurance:
According to the protection map, this product has set up relatively rich protection content. Next, the senior chooses the key to take you to grasp the general situation.
1. Insurance rules
Senior sister will show you the insurance age and guarantee period of this insurance.
Our common annuity insurance products have relatively low thresholds for insurance age and guarantee period. However, Xinhua Growth Sunshine Children's Education Annuity Insurance belongs to the education annuity insurance, and it is not very tolerant of age and guarantee period.
The insured age ranges from 30 days after birth to 14 years old. The guarantee period is finally 0: 00 on the corresponding day when the insured's 28-year-old policy takes effect.
2. Guarantee content
The coverage mainly includes two items: survival insurance and death insurance. Survival insurance mainly includes pension, high school, university education, career and marriage, which connects several important stages of the insured's growth.
As far as the bride price is concerned, if this insurance is added, the insured will survive at 0: 00 on the effective date of the first policy after the age of 28 and meet the conditions, and the insurance company will pay the insured the basic insurance amount according to the regulations.
Then after the insured gets the insurance money, it can be used as supplementary funds for marriage purposes or used in other aspects.
Similarly, pension, high school, university education and career pension can also provide insurance benefits for the insured in different periods and provide financial supplements. It still sounds very attractive!
For more details about Xinhua Growth Sunshine Children's Education Annuity Insurance, interested friends can click to view it:
"Xinhua Growth Sunshine Children's Education Annuity Insurance (Dividend Type) Is it worth buying? You will know after reading it! 》
Second, is Xinhua Growth Sunshine Children's Education Annuity Insurance worth starting with?
Sister Xue then took everyone to see the policy rights of this product.
This product has three policy benefits: policy dividend, insurance deduction and policy loan.
For example, the policy pays dividends, and the annuity insurance of this product belongs to the dividend type. The insurance company conducts annual accounting for the dividend insurance business of the previous year. If the insurance company's economic situation is relatively good and there is a dividend, the insurance company will make a reasonable dividend according to the actual operation of the dividend insurance business.
If this product is configured, in addition to the insurance premium, we also have the opportunity to get dividends from the insurance company!
However, the policy dividend is fluctuating! In other words, it is not fixed whether dividends can be obtained or how much.
To judge whether an insurance product is worth buying, we should not only look at the unilateral content of this product, but also consider the protection needs of the insured.
After knowing the coverage of this insurance, some parents feel that it is very suitable to insure their children, because its coverage runs through all stages of their children's growth and is particularly useful.
However, it should be noted that it is only an annuity insurance product, and the annuity insurance product does not include health protection.
In other words, once a child unfortunately discovers a major illness during this protection period, then this insurance product will not play any role.
Therefore, senior sister will think so. When considering equipping children with insurance products, first, we must insure insurance products that can protect health. Therefore, it is not too late to set up such education annuity insurance for children after health can be fully guaranteed!
If your children are well protected and your family has enough funds to buy education annuity insurance for their children, Xinhua Growth Sunshine Children's Education Annuity Insurance is still worth buying.
If you want to buy more cost-effective children's annuity insurance, you can consider other products on the market. Sister Xue has compiled a cost-effective education annuity insurance list for your reference before buying:
"The latest! The eight education funds with the highest rate of return in 2022 have been selected ~ "
Write it at the end
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