The following sister will give you an in-depth evaluation! The following article can help you get familiar with education fund insurance in advance. If you don't know, let's take a look:
Parents must read: Is it necessary to buy education fund insurance? How to choose the right product? 》
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. You can have a look first:
As an annuity for children's education, senior sister thinks this product is still worth buying:
1. Humanized collection time of survival insurance money
It can be seen from the terms of Dehuagu's future children's education annuity insurance that the insured can start to receive survival insurance from the age of 18. Receive the basic insurance amount every year, and then continue to receive the insured of 2 1 year old.
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.
Everyone is at home, and the time period stipulated in the clause is also the time for the children at home to go to college. The annual tuition and miscellaneous fees, plus various expenses, is a considerable expenditure. If you get this amount of insurance, it will just cover the children's tuition and fees and daily living expenses.
2. Rich responsibilities can be attached.
Additional insurance universal account, high school education fund and insurance exemption liability are the differences between Dehua Gu's future children's education fund annuity insurance and other insurances, which are set up to enrich the insured's protection options.
The universal account in the above-mentioned additional content is equivalent to an additional income channel, which has great possibility in bringing more income to the insured.
In fact, the high school education fund has included the key education stages of children in the scope of protection. For children, ensuring key education is to protect their rights and interests. Therefore, for the benefit of children, the insured should choose to attach this responsibility.
In Dehua's future children's education annuity insurance, worry-free exemption is also a very satisfactory guarantee. If the insured suffers from a serious illness, or is found dead, completely disabled, or other situations that threaten personal safety, all premiums can be cancelled to ensure that the contract will continue to be valid during the contract period. Adults don't have to worry, children's basic protection will not be lost because of the loss of adults' personal safety.
This product also has many obvious loopholes.
Mandatory binding universal account
The above-mentioned compulsory bundling means that the insured must agree to attach a universal account when insuring Dehuagu's future children's education annuity insurance, but the income of the universal account is unknown, so the disadvantage is obvious, and the income of the insured will not be very high at that time.
But some annuity insurance allows the insured to choose whether to buy a universal account. For example, this year's annuity insurance is characterized by good returns and good protection.
"Taikang has the real income exposure of annuity insurance in a year. How much can it earn in a year?" 》
For example, the insurance that needs to be bound to a universal account: Dehua an Gu Jincai's future children's education gold annuity insurance is not very humanized.
It takes a long time to withdraw funds.
Dehua's future children's education pension annuity insurance is very comprehensive in this regard, although it receives annuities during children's college years.
However, if you have already purchased this insurance, you must wait until the child 18 years old to receive the first annuity. At the same time, if the insured has received the four-year education fund, it will take four to six years to receive the full annuity.
The disadvantage is that the funds are idle for a long time, and this kind of insurance is not suitable for people who have other financial plans in the short term.
Second, is Dehua Gu's future children's educational income high?
What do you care most about buying financial insurance? This should be the income situation.
First, let's look at the insurance example in the chart. What is presented to you now is the income of Dehuagu'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.
As can be seen from the figure, the yield of this product is positive before the policy 14 years. The fixed time to receive the annuity is 18-2 1 year of the policy, and the income during this period is the highest. Its highest internal rate of return is not very high, only 2.2%, which is really not enough.
Take the well-known wealth management insurance products as an example. In the seventh year, the income of this policy has already appeared before, and the income is very high between 18 and 2 1 year, which can reach 2.78%. Now you can see that the rate of return only represents part of the present, not the considerable income in the later period!
Under the unified contrast, it is unnecessary to introduce which is good and which is bad.
3. Is Dehua an Gu Jincai Future Children's Education Fund worth buying for children?
On the whole, the price-performance ratio of Jincai's future children's education endowment insurance (dividend-paying type) is still relatively high. It provides survival insurance, death insurance and expiration insurance, and the coverage is relatively rich.
In addition, its additional responsibilities are also very rich. The payment method is more flexible. So if it meets everyone's safety needs, it is still worth buying.
Of course, in addition to the cost-effective Jincai future children's education gold annuity insurance (dividend-paying), here is an education fund for everyone, which is worth buying. Friends in need can refer to:
Evaluation of 8 education funds with the highest rate of return in 2023! 》
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