Hello, Ping An Insurance is a very good insurance brand in China. Good reputation, trustworthy. There is no difference between good and bad insurance, mainly whether it is suitable for the specific needs of specific people. What is suitable is the best. Ping An Children's Wisdom Star is a universal insurance. If the child's protection is sufficient, you can buy insurance. If your child's sense of security is relatively insufficient, it is recommended to give priority to improving the sense of security. According to the actual situation, choose education fund insurance and universal insurance as children's future college education savings. Ping An Wisdom Star Universal Insurance is designed for children born more than 28 days to 18 years old (excluding 18 years old) and has the following characteristics:

First of all, it is a kind of life insurance. Secondly, on this basis, you can add accident insurance, major illness insurance, accidental medical insurance and other insurances.

Second, various types of insurance exemptions such as death exemption premium, disability exemption premium and serious illness exemption premium can be increased, which further broadens the scope of protection on the basis of Ping An's original universal insurance for children and is more in line with the significance and function of life insurance.

Third, as a universal insurance, it has the characteristics of relatively flexible payment, relatively flexible collection and flexible adjustment of insurance coverage.

1, flexible payment. Traditional non-universal insurance, once insured, must continue to pay until the payment period expires, otherwise the policy will be invalid after the payment period of 60 days, and you will not bear any risks before the customer resumes the policy. Under certain conditions, the universal insurance of Wisdom Star does not need to be paid continuously every year, as long as the account value in the policy (it can be simply understood that part of the premium paid by the customer belongs to the money managed by the insurance company, and the ownership and control of this money belongs to the customer) remains valid. Of course, flexible payment also includes the function of adding premiums at any time.

2. Flexible collection. Compared with traditional insurance, universal insurance has greater flexibility in acquisition. Customers can receive the cash value in their accounts as education funds, pension funds and emergency funds when needed, without affecting the security function too much. Because the money belongs to the customer, you don't have to pay it back in the future.

3. The insurance amount can be adjusted. Due to different family responsibilities, people have different security needs in different life cycles. Generally speaking, the demand for security is the highest after marriage and before children's independence, and the demand for security before marriage and after retirement is relatively low. According to this feature, universal insurance can flexibly adjust the insured amount of this type of insurance to meet its protection needs in different periods and obtain better financial benefits.