1. Non-lifelong education insurance generally belongs to the real "earmarked" education fund product. This is based on children's education stage. When the children go to high school and college, they will start to return the funds every year, and then return a fee and account value when they graduate from college or start a business.
2. Life-long children's education gold insurance usually takes into account the changes in a person's life and returns it every few years to give care to the children's life. Children can be used as education funds when they are young, and can be converted into pensions when they are old, sharing the long-term operating results of insurance companies and ensuring the inheritance of family wealth.
Extended data:
Basic functions of Ping An Insurance Education Fund:
1, "premium exemption" function: The so-called "premium exemption" function means that once the insured's parents encounter misfortune, death or total disability, the insurance company will waive all unpaid premiums and their children can continue to receive protection and assistance.
2. The role of compulsory savings: Parents can choose the type and amount of insurance for their children according to their own expectations and their children's future education level. Once the education insurance plan is established for children, they must deposit the agreed amount every year to ensure that this savings plan can be completed.
3. It has insurance protection function: once the insured has risks such as illness or accidental death, high disability, etc., the children's education fund plan and premium cannot be retained, but the original rights and interests of the policy remain unchanged, and the future education expenses can still be provided for the children.
4. At the same time, it also has the function of financial dividend: it can resist the influence of inflation and interest rate fluctuation to a certain extent. Generally, it is paid by installment, and the payback period is longer.
China Economic Net-Ping An Yu Ying Annuity Life Insurance Clause
Baidu encyclopedia-education insurance