1. What is an education grant?
? Education fund, also called education annuity insurance, is an insurance for the purpose of preparing education fund for children. Establish a special education fund account for children to reserve regularly, and give certain financial support to children in special education stages such as high schools and universities.
The insured object of education gold insurance is generally 0-13-year-old teenagers, and different products have different age requirements for the insured. Products are mainly divided into two categories: lifelong type and non-lifelong type.
Education fund insurance is a kind of annuity insurance with guaranteed term, and it is a kind of annuity insurance. Education fund insurance is biased towards the special purpose of education fund and provides good education guarantee for children and adolescents.
? Education is a cause with high cost and continuous expenditure. Therefore, in order to give children comprehensive protection, it is necessary for parents to plan ahead.
Second, what are the benefits of the education fund?
1, special fund is special
Once you have purchased the children's education insurance, you can't get the insurance money until the time agreed in the contract. Therefore, the education funds paid by insurance companies can be used to specifically protect children's learning, which has the characteristics of earmarking.
2. Forced storage
Many parents are ahead of their consumption consciousness and it is easy to save money. Once the education fund insurance is insured, parents need to pay the insurance premium at a fixed time every year until the payment is due. Therefore, education fund insurance can help parents save enough education funds.
3. Consider other safeguards.
There are not only pure education insurance in the market, but also some comprehensive education insurance with other guarantees. For example, China Merchants Cigna's Baby A-type education annuity insurance product plan can provide high education expenses for children, as well as basic protection such as accident protection and major illness protection (see insurance clauses for details). As the Olympic champion Yang Wei's choice for children, the guarantee is very comprehensive.
4. Insurance premium exemption
The exemption of the insured means that if the parents who are the insured unfortunately die or are completely disabled, according to the insurance clauses, the unpaid insurance premium can be reduced and exempted, and the children can continue to be protected. This is a very humanized education fund insurance choice. Parents can buy education fund insurance exempted by policy holders for their children, which can reduce the impact of accidents on their children's education and effectively guarantee their success.
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