At present, there are about three kinds of children's education insurance. The first kind is simple children's education insurance, which mainly provides financial guarantee for children in the education stage, and the guarantee period will be until the children graduate from college. The second is the education insurance with fixed return, which can be obtained at various stages such as education, marriage and house purchase. The third type is investment and financial management education insurance, which not only provides education funds, but also provides financial management functions to realize policy appreciation.

The purchase of education funds can refer to the following requirements:

1, the earlier the insurance, the better and more cost-effective. Children can be insured after 28 days of birth. The younger they are, the cheaper the premium will be.

2. The payment period should not be too long. Children can choose appropriate insurance when they grow up. When they grow up, they need to rely on their own skills to protect themselves, not their parents for a lifetime.

3, the premium should not be too high, try not to exceed 10% of the family income, and be sure to buy according to the family's economic situation. Otherwise, there is no need to affect our present life in order to buy education insurance.

4. When buying children's insurance, you should also buy additional insurance that the insured is exempt from insurance premium. In this way, in case the parents die or are completely disabled due to some unexpected circumstances and are unable to pay the premium, the insurance company will waive the remaining premium, and this education fund insurance will continue to be effective for the children.

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