As the saying goes, no matter how poor you are, you can't be poor in education or suffer from children. In order to make children receive education without barriers, many parents have made plans for education funds early.

No, there is a product recently called Jincai Future Children's Education Fund, which was launched by Dehua Anxin. A parent friend wants to know more about it and see the evaluation. Isn't this already arranged for senior sister ~

Before we begin, Senior Sister presents you with this guide to avoid the annuity insurance pit: "Learn this trick and stay away from the 99% annuity insurance pit".

1. What is the guarantee content of Gu Future Children's Education Fund in Dehua?

Sister Xue made a product form diagram of Jincai Future Children's Education Fund overnight. Let's go and find out first:

As a children's education annuity, senior sister thinks that this product still has many merits:

1. Humanized collection time of survival insurance money

It is mentioned in Dehua Angu's future children's education gold annuity insurance clause that the insured can start to receive survival insurance money from the age of 18. The insured can get the basic guarantee amount every year, and the insured can get 2 1 year.

Take the insurance scheme in the chart as an example, the insured can receive 10000 yuan every year, totaling 40,000 yuan for four years.

As parents know, this is the age when children go to college, and the annual tuition and miscellaneous fees plus various expenses are also a lot of money. If everyone can get this money, children's annual tuition and fees, living expenses and other expenses can be subsidized with it.

2. Rich responsibilities can be attached.

The universal account, high school education fund and insurance exemption liability in Dehuagu's future children's education annuity insurance are its additional risks, which give the insured many choices about protection.

The universal account in the above additional contents is equivalent to an additional income channel, which may bring more benefits to the insured.

High school education grants also cover children in key education stages. If the insured chooses to attach this responsibility, it will bring more comprehensive protection to the children.

Worry-free exemption is also the humanized guarantee of Dehua Gu Jincai's future children's education gold annuity insurance. If the insured suffers from serious illness, death or total disability, the policy premium can be exempted and the contract will remain valid. Children's protection will not be lost because of adults' accidents.

This product also has many obvious loopholes.

Before I started to talk about my shortcomings, my seniors compiled a guide to the choice of education funds for everyone. Parents and friends have a look:

Is it necessary to buy education fund insurance? How to choose? 》

1. It takes a long time to withdraw funds.

Although Dehua's Gu future children's education pension annuity insurance sets the annuity collection time at the stage when children go to college, it is really thoughtful.

However, once this product is insured, you must wait until the child 18 years old to receive the first annuity. At the same time, if the four-year education fund is used up, it will take four years (or six years) to get the full insurance money. The idle period of funds is not short, and it is not recommended for people with other financial plans to take out insurance in the short term.

Second, is Dehua Gu's future children's educational income high?

Presumably, everyone is most concerned about the income when buying financial insurance.

For example, the insurance example in the chart now shows the income of Dehua Gu's future children's education pension annuity insurance:

I didn't know it before, but now, the yield of Dehua's Gu future children's education pension annuity insurance is surprisingly low.

Let's look at this picture. The duration of the policy is as long as 14 years, which makes the product yield positive. In the year of receiving the annuity regularly (i.e. policy number 18-2 1), it was the peak of its income at that time. But its highest internal rate of return is only 2.2%, which is too little.

3. Is Dehua an Gu Jincai Future Children's Education Fund worth buying for children?

From the above, we can know that the most prominent thing about Hua 'an Gu Jincai's future children's education gold annuity insurance is the responsibility of protection, but the mandatory binding of universal accounts and the long time of fund withdrawal are all shortcomings, and the income is really too small.

With the continuous improvement of children's education level, the required capital investment will only increase, and the income from Huaan Gu Jincai's future children's education gold annuity insurance is obviously not enough to cover children's education capital needs.

Parents and friends should make arrangements early, and don't miss this amazing ranking of education funds: "8 education funds with the highest rate of return in 20265438 +0! 》

Write it at the end

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