Children's dividend insurance can be divided into investment type and guarantee type according to functions.

Most investment dividend-paying types only provide total disability protection or personal death protection, and cannot attach various health insurance or major illness protection, so the protection function is weak.

Children's guaranteed dividend insurance is mainly an ordinary life insurance product with dividend function, such as children's regular dividend insurance and old-age security. This kind of insurance guarantees a lot, and dividend is only a subsidiary function. Guaranteed children's dividend type, not only returns the survival money in a fixed way, but also has the death protection of total disability and fixed insurance amount, and will also pay dividends every year. Guaranteed dividend insurance can usually be used as the main insurance, together with critical illness insurance, accident insurance and health insurance, to form a perfect protection plan. What are the accident insurance for accidental medical treatment? Which is more secure? Which is more worth buying? Let's take a look at some good accident insurance recommendations. Top 20 quality accident insurance in 2020!

To sum up, the function of children's dividend insurance can be divided into two categories: investment and protection. The guarantee function of investment type is slightly weak, and the guaranteed dividend is only as an additional benefit. What kinds of critical illness insurance for children are available? Which are cost-effective? Which is the most worth buying? Let's take a look at 10 the inventory of children's critical illness insurance sold by major insurance companies.

Two, parents should also pay attention to the following issues when insuring dividend education insurance for their children:

1, pay attention to expenses

Parents should pay attention to the cost when buying education insurance for their children. Generally, the overall premium expenditure of a family should account for 15% to 20% of the family income, while the premium expenditure of children should account for 10% to 20% of the overall premium. If the cost is too high, it will bring financial pressure to the family, which is not good.

2. Pay attention to the payment term

Parents should buy dividend-paying education insurance for their children, and be careful not to pay it for too long. Because the protection needed at different stages of life is different, children's insurance is only provided at a relatively young stage. When children grow up, they should choose appropriate insurance, so the payment period is generally as flexible as possible.

3. Be careful of liquidity risk.

Education fund insurance is a regular deposit and withdrawal. Once the funds are invested, they can't be taken out until the appointed time. So the liquidity is poor. If you surrender halfway, you have to bear certain losses. Parents must make good financial arrangements before taking out insurance. So if you buy the wrong insurance, do you want to surrender it? If you surrender, why don't you lose money? Can I return the wrong insurance? How much can I refund if I surrender? How to surrender in full?

The sooner you buy, the better.

The sooner parents buy dividend-paying education insurance for their children, the better. On the one hand, you can enjoy a longer guarantee period, on the other hand, you can get better benefits. It is difficult for children above 12 to take out education fund insurance.

Third, how to reasonably purchase education insurance?

1. Parents should remember not to buy education insurance blindly, but to buy it reasonably according to their needs. Insurance experts remind parents that how to buy education insurance for their children can be determined according to different stages and different schemes. Parents can make a budget for their children's junior high school, senior high school and university expenses before buying education fund insurance, so that the education fund insurance will not be insufficient and the education fund will not exceed a lot.

In addition, parents should plan ahead. Does the child have any plans to go abroad in the future? If you really plan to do this, then when you do education fund insurance, the cost of going abroad should also be included, because parents all know that the cost of going abroad is very high, and education fund insurance is a kind of insurance with strong pertinence. Earmarking, the more you pay, the more you naturally get.

In any case, the most basic condition for reasonable purchase of education insurance is family income. Don't affect the quality of life of your family by buying education insurance. And before buying education insurance, we should also consider whether we have bought insurance for our children, such as accident insurance and health insurance. After all, children need protective insurance more, because children will get sick and have accidents, and no one can predict, so they should be fully prepared; Before children have insurance, parents' insurance should be improved first.