Product name: Hengan standard dream future university education gold annuity insurance

Insurance age: more than 30 days-12 years old

Insurance period: until the beneficiary reaches the age of 22.

Payment method: one-time payment, three-year payment and five-year payment.

Minimum premium: 50,000 for sexual intercourse and 20,000 for installment.

Second, product advantages

Financial funds for university education

-When children 18 to 2 1 year old, they can receive the basic insurance amount of life insurance policy as the university education fund every year. Plan your child's life in advance, don't worry about training fees, and live in peace of mind.

Store your ideals and care about the future.

-On the anniversary of the policy, children who have reached the age of 22 can also receive a maximum of 65,438+0.50% of the premium paid, and the funds for culture, education, entrepreneurship and marriage are guaranteed.

Clear profit and peace of mind.

-This product is a traditional annuity insurance product with clear insurance value; In addition, the product also has the protection of children's death and total disability.

Is the profit of Hengan's dream of future university education high? The age requirement of Hengan Dream Future University Education Fund is 0- 12 years old, and it is guaranteed to be 22 years old. However, the threshold for starting investment is a bit high, with an annual payment of at least 20,000 and a wholesale payment of at least 50,000. Then there is the profit stage that everyone cares about. At the level of receiving dividend insurance, the agreed survival fund is divided into survival fund and maturity fund during the period of 18-2 1, which is almost the age of going to college and is also a relatively high education expenditure.

The insurance standard is 0-year-old male, with an annual payment of 65,438+million and a payment of 3 years. First look at the value of the policy. The insured is 8 years old, and the policy value is 30073 1 yuan, which exceeds the premium paid to complete the profit. But if you surrender at this time, the yield will be lower. Until the insured 18~2 1 year-old, the children can receive 50020 yuan every year, and the education fund will be more than 200,000 yuan in four years;

After the end of the 22-year-old guarantee, the children can also receive 450,000 yuan in one lump sum, totaling more than 650,000 yuan, which is 2. 16 times of the premium paid, and the IRR reaches 4. 108%! In the future, when children have this large sum of money for cultural education, parents will feel much more at ease. The high income of Hengan Dream Future University Education Fund is introduced in detail. Please read the following:

What should I pay attention to when insuring education funds? For parents who need to buy education funds for their children, the wet nurse here asks some common questions to prevent parents from stepping on thunder.

1, physical and mental health protection first, then consider education grant.

Before giving children cultural and educational protection, we should give priority to the protection of physical and mental health, such as critical illness insurance, medical insurance and accident insurance. Why do you say that? Because the invasion of disease is always invisible, and the active nature of children is accompanied by unexpected. Therefore, before buying commercial insurance for children's education, nurses still suggest that Ma Bao Baoda should provide children with guaranteed insurance first. Physical and mental health is important ~

2. Pay attention to the age of insurance

For the insurance of children's education fund, the insurance age of most new products is required to be below 18, and some may be lower, possibly below 10. Therefore, you must pay attention to this age requirement when you apply for insurance. And the sooner you insure your child, the less it costs.

3. Exempt from extra insurance premium

The meaning of premium exemption is interpreted as that the insured has done something during the premium payment period, such as death, serious illness and so on. , so as to exempt all unpaid premiums, the insured does not need to pay again, and the insured still enjoys protection. Therefore, if the education fund chosen by parents is free of premium, the nurse suggests that it should be extra.

Generally speaking, Hengan Dream Future University Education Fund is a very good education fund commodity with high income and strong purpose, which can meet the economic requirements of children in the higher education stage.