What is children's education fund insurance?
Education gold insurance belongs to annuity insurance products. Parents can deposit insurance premiums in advance and receive education funds in the future special education stage of their children. It is similar to depositing a sum of money in the bank and surrendering it halfway, so that parents will not misappropriate funds at will, and the insurance of education funds is more flexible. Parents can also flexibly choose the time and amount of education funds according to their future education plans or expectations. It can be said that it is meaningful to buy education insurance for children. Children's future education expenses are guaranteed.
Advantages of children's education gold insurance
1, education fund insurance can meet all kinds of education funds needed by children in different growth processes, and the collection time is flexible.
2. Education gold insurance can provide many protections such as diseases, accidents and medical care during the growth of children, and provide more comprehensive protection for children. At the same time, the education fund insurance will change with children's growth, living environment and life, and the insurance amount is flexible and adjustable.
3, the premium is worry-free. If the insured is totally disabled due to an accident and suffers from a serious illness, the insurance company can waive the remaining unpaid insurance premium, the policy will remain valid, the protection enjoyed by the children will remain unchanged, and the parents' responsibilities to their children will continue.
4. The dual functions of saving and insurance are realized, which can not only realize the guarantee function of insurance itself, but also have the saving function.
Is there anything to pay attention to when buying education insurance for children? Of course there is.
1, save for a rainy day, the sooner you buy, the better. Unlike other consumption, the education cycle is as long as 20 to 20 years. Education expenditure is the money that parents have to spend constantly, which lacks time flexibility. Children's education should not be neglected because of lack of funds. At this stage, we need to be prepared for a rainy day, so that the funds on hand can keep increasing steadily and reasonably, and avoid the unbearable pressure of children's education expenditure in the university. At the same time, it should also be noted that education fund insurance has restrictions on the age of children. Generally speaking, it is difficult for children above 12 to obtain education fund insurance. You must buy education insurance for your children as soon as possible.
2. Choose cost-effective products for insurance. It is best to choose a cost-effective education fund insurance through comparison. Babies who invest now can get more education funds stably in the future. What needs to be clear is that the purpose of purchasing education funds is not to obtain high short-term returns, but to transfer risks, stabilize children's future education expenses, and realize the preservation and appreciation of education funds.
3. Try to choose products with premium exemption function. Many education fund products have premium exemption function, or can be attached with premium exemption. In case of death due to accident or contract conditions such as illness, you can apply for exemption from the subsequent unpaid premium, and the protection of the child is still valid.
4. Give consideration to the safeguard function. To buy education insurance for children, we should not only pay attention to how much education money we receive, but also attach some health insurance, such as accident insurance and medical insurance, to make the protection of children more comprehensive. Of course, if children have sound basic security, you generally don't need to attach these personal security, so as not to increase the premium and increase the financial pressure of parents.
Finally, the liquidity risk should be clearly defined when insuring the education fund insurance. Don't give up halfway Because the education fund insurance has the function of compulsory savings, and the special fund is special, it is necessary to pay the premium to the insurance company regularly according to the contract, and there will be some losses if you surrender halfway. Therefore, the purchase of education insurance should be psychologically prepared for long-term investment and provide a stable guarantee for children's future education.
Having said that, I think everyone has a certain understanding of the advantages and precautions of children's education insurance. When parents buy education insurance, they can compare different education insurance in the market. There is nothing wrong with giving children more protection, but it should also be combined with the actual situation and cannot be purchased blindly. When you really need it, you will find that the insurance policy has not played your expected role. If you have any questions about insurance, you can search for "Baibaojun" on Baidu. There is a professional insurance consultant team to answer all your questions about insurance.