Insurance liability:
1. When the insured survives to 18 years old, 50% of the insured amount will be paid as adult insurance money.
2. If the insured reaches the age of 22, the commercial insurance premium shall be paid at 50% of the insured amount.
Three, the insured survives until the age of 25, and pays 50% of the insured amount, and the contract is terminated.
4. If the insured dies before the age of 18 and has paid the premium for more than two years, the cash value of the policy will be refunded; If the premium has not been paid for two years, the premium will be refunded after deducting the handling fee and the contract will be terminated. If the insured dies after the age of 18, the death insurance shall be paid according to the insured amount, and the contract shall be terminated. Guo shou fu xing children's endowment insurance (dividend type)
Insurance age: 30 days-16 years old Insurance period: effective date -30 years old Payment method: wholesale payment or payment to 18 years old.
Introduction: Children who reach the age of 18, 22 or 25 can receive 80% of the basic insurance amount. Children over the age of 30 can receive 60% of the basic insurance amount. Once the insured encounters misfortune or high disability, he can be exempted from paying the insurance premiums for the subsequent periods after the death or high disability of the insured. The insured can receive 50% of the basic insurance amount every year until he reaches the age of 65,438+08, so as to continue his care.
Ping An Insurance Century Starlight (main insurance, dividend type) has an insured age of 0- 13 years old.
Brief introduction: short-term dividend products, all children over 25 years old. The 0-year-old child pays 15 times, 542 yuan is guaranteed 10000 yuan, and the child receives 10000 yuan in one lump sum when he is 25 years old. You can add funds for high school education and university education.
Comments: The time is short, the funds can be recovered quickly, and various types of insurance can be attached, but the income is limited and the dividend is uncertain.
Pacific Insurance Children's Music (main insurance) insurance age is 60 days-15 years old.
Description: There are three short-term products, ABC. Payment is 1 1 time, 14 times and 17 times respectively. There are also three kinds of money, 12, 15, 18 years old. 300 yuan guarantee 1 copy.
Section A-Children aged 65,438+02, 65,438+03 and 65,438+04 each receive an education grant of 233 yuan. 15 years old, 16 years old, 17 years old, paid 349 yuan; Age 18, 19, 20, 2 1, 58 1 Yuan, the contract is terminated.
Paragraph b —— 15, 16, 17 years old children receive 345 yuan, 18, 19, 20, 2 1 year old children receive 1034 yuan.
Paragraph C-Children aged 65,438+08,65,438+09,20,265 and 438+0 receive RMB 65,438+0543 respectively, and the contract is terminated. Comments: The premium is cheap, the time is short, there are three options, there are education funds to receive, and various types of insurance can be attached.
The insured age of Xinhua Life Insurance's parent-child childlike innocence (main insurance) is 60 days-15 years old. Double insurance, double rate
Introduction: Short-term insurance, the first insured-children, the second insured-parents, is a double rate. Besides children, it depends on the age of parents. The older the parents are, the more expensive the insurance premium is. Take a baby of 0 years old and a mother of 28 years old as an example. 400 yuan guarantees one copy, 16, 17, 18 children get 200 yuan, 19, 20, 2 1, 22-year-old children get 400 yuan, and 23-year-old children get 5,000 yuan.
The contract ends. Comments: The premium is relatively cheap and the time is short. An insurance policy can cover two people. Various insurances can be attached. But in the case of double rate, the older the parents are, the more expensive the premium is. Children's insurance coverage is low and there is no guarantee. The education fund is too small.
The insurance age for major diseases (main insurance) of children who have no worries about growing up is 60 days-16 years old. Can be insured separately
Introduction: critical illness insurance, a child who can be bought separately. 0-year-old child 3 1 Yuan Bao 1 10,000 yuan, paid for 25 years. Consumption type, no return. There are 15 major diseases-malignant tumor, chronic renal failure (uremia stage), Kawasaki disease (with coronary artery tumor), progressive spinal muscular atrophy, viral encephalitis, suppurative meningitis, fulminant hepatitis, type I diabetes, aplastic anemia, benign brain tumor, important organ transplantation, severe craniocerebral injury, severe burn, binocular blindness and limb loss.
Comments: You can buy it separately, with 15 major illness protection, but the premium is too expensive, the payment time is long, and the principal is not repaid.
The insurance age of AIA Century Talents (main insurance, no dividend) is 0- 17 years old.
Guide: Non-dividend products will end when the child is 30 years old. Payment is also 18 times, 37 1 yuan insurance 1 ten thousand. When the child reaches the age of 30, he will receive a due payment of 6.5438+0 million yuan. You can attach 18, 19 and 20-year-old senior high school education fund, 2 1, 22, 23, 24-year-old university education fund and 25-year-old marriage fund with lower premiums. Children's accident insurance, medical insurance, major illness insurance and exemption protection can also be added.
Comments: Short time and quick return. The premium is cheap, and you can attach any amount of education funds and various insurances at any age. It is AIA's main child insurance.
Gold Growth (main insurance, dividend type) insurance age 0- 17 years old.
Introduction: AIA's new child insurance was launched in the second half of 2006. It is divided into two parts: A: 0-year-old children pay 8 times, with an annual payment of 6,875 yuan and a guarantee of 10000 yuan. B: Pay 12 times, and pay 4,500 yuan per year, and guarantee 10000 yuan. As in the case of item B, children receive cash subsidy after the payment period expires (8 years), with an annual allowance of 1.500 yuan until the child is 40 years old, and when the child is 18 years old and 22 years old, an additional allowance of 1.500 yuan can be obtained. When the child is 55 years old, he can get another 20 thousand yuan pension+accumulated dividends every year, and the contract is over.
Comments: short payment time, faster return, and various types of insurance can be attached. But the annual premium is too expensive and the time is too long. The age of critical illness insurance (additional insurance) is 60 days -45 years. Introduction: AIA introduced critical illness insurance earlier, and both children and adults can be insured. Major diseases 10, 6 diseases and 4 operations. It mainly includes: cancer, stroke, severe viral hepatitis, chronic renal failure, aplastic anemia, acute myocardial infarction, transplantation of important organs (kidney, heart, liver, lung, bone marrow, cornea and pancreas), coronary artery surgery, aortic surgery and heart valve surgery. The premium for 0-year-old children is very cheap: 1 1 Yuan Bao 658.
Comments: It's cheap and economical, but it's an additional risk, and the insurance coverage is not enough.
The insurance age of Hengkang Tianan Small Sun (main insurance dividend type) is 60 days-13 years old, with male and female rates.
Introduction: short-term dividend products, all children over 25 years old. 0-year-old children pay 18 times, and 487 yuan is guaranteed 10000 yuan. The child is 25 years old and receives a one-time dividend of 10000 yuan.
Comments: Short time, quick capital recovery and relatively cheap cost. Various insurances can be attached.
Pacific Antai Insurance Small Sun (main insurance, dividend type) is insured for 30 days-10 year old.
Introduction: Short-term dividend products, children's 25-year-old contract ends. 0 year old boy 1039 yuan, 10000 yuan. 12. When children reach 18, 19, 20, 2 1 year, each person will receive 2,500 yuan, and when they reach the age of 25, they will receive 5,000 yuan+annual dividend.
Comments: short time, quick recovery of funds and short payment time. Various insurances can be attached.
The insurance age of the rising star (main insurance) of Haikang Life Insurance is 30 days-16 years old.
Introduction: short-term products, children's 22-year-old contract ends. 0-year-old boy 1463 yuan 10000 yuan. 16. When the child is 6 years old, the primary school entrance fee 1000 yuan, 12 years old junior high school entrance fee is 2,000 yuan, 15 years old senior high school entrance examination fee is 4,000 yuan, and 18 years old college entrance examination fee is 8,000 yuan. Upon reaching the age of 22, the contract shall be terminated after receiving the due payment of 10000 yuan.
Comments: Time is pressing. There is an entrance fee, and various insurances can be attached. But the premium is expensive.
The insured age of Bao Zhong Kanglian Golden Childhood (main insurance, dividend type) is 30 days-16 years old, with male and female rates.
Introduction: Short-term dividend products, children's 27-year-old contract ends. 0-year-old boy, 447 yuan, 10000 yuan. 18. When the child reaches the age of 19 to 27, he will receive 1000 yuan+bonus every year, and the contract will be terminated.
Comments: Time is pressing. There are education funds available, and various types of insurance can be attached.
Hong Zhong Insurance Vibrant Baby (main insurance, dividend type) is insured at the age of 0- 12, with male and female rates.
Introduction: Actually, it's critical illness insurance, a child in Hong Zhong. Including 20 major diseases and operations. There are two payment methods: A/B and male and female rates. A 0-year-old boy paid 3378 yuan to 65438+ 10000 yuan in 2005, and b paid 255 1 yuan in 2005, and paid 2 1 guarantee 10000 yuan. When children reach 18 years old, they will receive 10000 yuan for university education, and 10500 yuan when they reach 1009 years old. 20 years old, received 1 1000 yuan. 2 1 year-old 1 1500 yuan, 25-year-old 10000 yuan+accumulated dividends.
Comments: Time is short, and it will be over at the age of 25. Including 20 kinds of children's critical illness insurance. Various insurances can be attached.
Some insurance companies don't exist in many places. I suggest you choose some well-known local insurance companies to insure. Personally, China Life Insurance, China Ping An, PICC Life Insurance and Pacific Life Insurance are all good companies.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.