Children's education fund is an annuity insurance, which is the insurance to prepare your own education fund for your children in advance. What should we pay attention to when configuring children's education insurance?
1. Guarantee first, then finance.
Some parents spend a lot of money to buy education funds for their children, but ignore the basic guarantee and put the function of insurance before the horse. Senior sister thinks it is not advisable.
Because children are mainly faced with the risks of diseases and accidents during their growth, it is necessary to build a good health security system for children before considering buying education insurance. Senior sister suggested that children's primary insurance should be: children's medical insurance+critical illness insurance+medical insurance+accident insurance. There may be many parents who are worried about whether there will be claims conflicts when multiple insurances are bought together. Not really. The specific explanation is as follows: What is the difference between critical illness insurance, medical insurance, accident insurance and life insurance? Will there be conflicts when making claims?
2. Choose the guarantee period according to the economic situation.
Children's education insurance in the market is divided into non-life insurance and life insurance. Parents naturally want to give their children the best protection, but considering practical factors, it is recommended that you choose the product type according to your own economic situation. If the economic conditions are average, it is recommended to choose to ensure that your child graduates from college. If the economic conditions are strong, children can naturally get lifelong protection, so they can also receive pensions and birthday payments when they are old.
If you want to configure non-life insurance, then China Merchants Renhe Small Champion Education Insurance is very good. This product covers death insurance, survival insurance and expiration insurance, and can guarantee the insured for 2 1 year.
If parents are interested in insurance and want to know more about investment promotion and small champion education insurance, you can read this article: Are investment promotion and small champion education funds profitable? An article reveals the secret!
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