Anxious friends can also collect this article first: Is it worth buying to invest and promote CIGNA Education Fund-Cherish Baby A Education Annuity Insurance Product Plan?

First, submit the protection map of the education annuity insurance product plan of Cherish Baby A:

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As can be seen from the figure, Cherish Baby A education annuity product plan includes main insurance and additional insurance. The age of the insured is 28 days after birth-13 years old, which can last until the policy anniversary date of the insured's 25 years old. There are three options for the payment period, namely 3/5/ 10 years old.

If you don't know which payment cycle to choose, you can read this article: How to choose the payment cycle without losing money?

However, this insurance plan still has many shortcomings. For example, the payment of overdue insurance money is not enough. According to the product scheme of Baby A Education Annuity, if the insured survives until the insurance period of the main contract expires and the contract is valid, the insurance company will pay 50% of the basic insured amount, which is not good enough compared with those products of the same type whose payment ratio can reach 80% or even 100%. After all, if they are two products,

In addition, the education annuity of this insurance plan is only paid at 10% of the basic insurance amount, which is really not enough. We should know that some education annuities in the market will pay education annuities according to different education stages, and the payment ratio of each education stage is also different. For example, high school education annuities pay 20% of the basic insurance amount, and university education annuities pay 30% of the basic insurance amount.

However, the Baobao A education annuity insurance product plan not only failed to pay in installments, but also only paid 10%, which was not generous enough.

Generally speaking, the protection of Cherish Baby's A-type education annuity insurance product plan is not enough. Senior sister suggested that you can learn more about other products, starting with the best.

Here, Sister Xue also prepared a list of educational gold products with high cost performance for everyone. Friends in need can have a look: the latest! The eight education grants with the highest rate of return in 2022 are coming ~

Hope to adopt!

The same number on the whole network: Xueba said insurance, welcome to search!