Which is better for children's fund education insurance?
Children's fund education insurance is to provide corresponding insurance funds for children's educational needs at different stages of growth. At present, the children's education insurance sold in the market includes the education funds of junior high schools, senior high schools and universities. Children's education fund mainly recommends the combination of fixed investment and education insurance. The fluctuation risk of fixed investment is greater than education insurance, and of course its income range and income opportunity are also greater than insurance. Children's education fund can save money and can be based on fixed investment.
Which is better for children's fund education insurance? Parents are advised to choose CIGNA to protect their children's education fund in the future. Its main advantages include: 65,438+0. Not only the education fund, but also 30 kinds of serious diseases: 400% of the basic insurance fund can be accumulated (18-2 1 30% of the age, 60% of the age of 22-24 and 65% of the age of 25). 2. Major diseases can also be exempted from payment of residual insurance: if the insured dies, is completely disabled or suffers from major diseases during the payment period, it can be exempted from payment of residual insurance. 3. Pay dividends every year, which not only preserves the value, but also increases the value: 400% of the basic insurance amount is guaranteed and you can enjoy dividends every year. 4. Receive money for 8 years in a row, and the minimum payment period is 3 years: it can be guaranteed that you can receive insurance money for 8 years in a row until you are 25 years old, 18-25 years old, which is earmarked for special purposes and gives children a longer guarantee. 5. Insurance policies can be used for loans: in case of emergency, insurance policies can also be used for loans, up to 80% of the insured cash value.
On the types of children's fund education insurance
The types of children's fund education insurance mainly include: the first type is risk protection, which is designed for children's diseases and accidental injuries that are prone to occur during their growth, and mainly provides risk protection for children's diseases and accidental injuries. This type of insurance pays a small premium, but provides high insurance. The second is education savings, which aims to cope with the large expenditure of children's future education expenses. When the child reaches the age or time limit agreed in the contract, he can get the corresponding survival. This kind of insurance has the dual functions of saving and ensuring. At the same time, parents should first ask about the scope of the exemption clause. When buying the main insurance, you should also buy additional insurance with premium exemption, so as to ensure that the protection for children will continue to be effective if parents cannot continue to pay premiums for some reasons.
The above is a detailed introduction to "Children's Fund Education Insurance". Parents can choose insurance according to their children's actual situation. At the same time, children's fund education insurance also allows children to fully enjoy some of the protection it brings.