The insurance consultant who has insured the education fund for more than ten years teaches you to choose the most suitable education fund → "Should I buy an education fund?" How to choose the appropriate education fund? 》
Basic functions of education insurance:
1, "free of charge" function
The so-called "premium exemption" function means that once the insured's parents encounter misfortune, death or total disability, the insurance company will waive all unpaid premiums and their children can continue to receive protection and assistance.
2, the function of compulsory savings
Parents can choose insurance and quota for their children according to their own expectations and their children's future education level. Once the education insurance plan is established for children, they must deposit the agreed amount every year to ensure that this savings plan can be completed.
3. It has the guarantee function of insurance.
In the event of illness or accidental death and high risk of disability, the insured cannot keep the children's education fund plan and premium, but the rights and interests of the policy remain unchanged, and the children can still be provided with the expenses for future education.
4. It also has the function of financial dividend.
It can resist the influence of inflation and interest rate fluctuation to a certain extent. Generally, it is paid by installment, and the payback period is longer.
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