In response to the above demand, major insurance companies have designed corresponding education fund insurance products, such as China Merchants Renhe Life Insurance's Little Champion Education Fund. My senior also received several private letters about evaluating this product.
So strike while the iron is hot, and then, senior sister will evaluate this education fund.
If you want to know more about investment promotion and the small champion education fund, you may wish to look at another evaluation of your senior sister:
"Is the income of China Merchants Renhe Small Champion Education Fund high? An article reveals the secret! 》
1. What is the performance of investment promotion and small champion education annuity insurance?
Let's not talk about anything else. Senior, this meeting will send parents and friends a protection map of the investment promotion small champion education fund:
It is not difficult to see from the figure that there are not many insurance conditions and protection contents of China Merchants Renhe Small Champion Education Fund.
However, don't be careless just because it looks simple. After careful analysis, the senior saw a place worthy of attention!
1, less policy rights.
Mainly for policy rights and interests. At present, the rights and interests provided by China Merchants Renhe Small Champion Education Fund include policy loans and additional insurance.
Although these two rights and interests are practical for the insured, it can be fully understood from the richness of policy rights and interests that China Merchants Renhe Small Champion Education Fund is not particularly competitive.
After all, in addition to these two items, there are other rights and interests of the same type of products on the market, such as insurance reduction, automatic premium payment, and reduced payment.
Because of the limitation of space, senior sister and everyone will take reduction and settlement as an example to briefly explain its function.
Reducing the amount of equity is to pay off the rest of the premium only by the cash value of the insured amount, and the insured amount will also be reduced.
If the insured does not want to continue to pay, but the loss of surrender is great, then it is appropriate to choose this right at this time.
2. No general account is provided.
Some parents buy education annuity insurance for their children in order to use the insurance money to reduce the economic burden brought by education expenses or living expenses, so the most concerned about is definitely the income.
Universal account is closely related to income, and this account can increase the value of money.
If the insured is not in a hurry to withdraw the annuity, he can put the idle annuity into the universal account, and then the funds that enter the account will realize the second appreciation at a certain interest rate.
Therefore, with the help of universal account, you can enjoy more considerable income from annuity insurance products.
Unfortunately, China Merchants Renhe Xiaozhuangyuan Education Fund did not provide universal accounts to consumers.
If you value this point, you may wish to consider the bright and wise annuity insurance that can be attached to the universal account of Everbright Yongming Zenglibao (exclusive edition), and the benefits are very considerable:
"Guangming Huixuan pension annuity has a high income? The answer is in the text ... "
However, investment promotion funds are not without advantages. Here are its advantages.
3. Low insurance threshold
The insurance threshold for investment promotion and the small champion education fund made the senior sister can't help but praise. The minimum payment is only 10 yuan.
You know, the minimum insurance requirements for many educational gold products on sale are several hundred yuan and several thousand yuan.
Comparatively speaking, China Merchants Renhe Small Champion Education Fund is really caring for people with insurance needs but average economic conditions.
The investment promotion small champion education fund allows the insured to make good use of the rights and interests of additional insurance, and parents and friends can increase their investment at any time in light of their own economic changes.
It is particularly worth mentioning that insurance only needs 1 yuan. In daily life, you can invest in Yu 'ebao or change, which greatly facilitates the operation of the insured.
2. Is it worth buying investment promotion and small champion education annuity insurance?
In view of the above, investors and the small champion education fund can not be called perfect products, which have both shortcomings and advantages. For example, although there is no universal account in terms of policy rights, the insurance threshold is not high, which is very caring for people with average economic conditions.
There are many excellent educational gold products on the market. Sister Xue suggested that you should not rush to insure, so you might as well compare several models.
"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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