One is universal wealth management insurance, which gains income by increasing the value of universal account through the insurance annuity of the main insurance. The future education funds will be collected from the universal account, and the amount and time of collection are relatively free. The future income of universal account is uncertain, but there is a minimum income guarantee. The minimum guaranteed interest rate of universal account of each insurance company is different from the actual settlement interest rate, so the purchase of such insurance products needs comprehensive consideration.
The other is special education fund insurance, which is mainly based on university education fund. Determine the amount and time of receiving the education fund when applying for insurance (from 18 to 2 1 1). The pricing interest rate of this product is fixed. How much and how long to pay when you insure it. It has high compulsory savings, and the future collection time and amount are also determined. It can't be advanced, so it is safe and secure, which is relatively less flexible than universal insurance.
These two types of products have their own characteristics. The planning of education funds can consider the following factors: When do children need money? What is the current expected investment? What are the risks you can bear and the expected returns? Then choose the right product according to the family situation.
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