Do you need to pay attention to the size of the insurance company when buying insurance? Poke the link and get the answer immediately ~
Below, focus on an education fund that is worth buying!
It is the dream future education fund of Hengan Standard Life.
This product can be bought for children aged 30 days to 12 years, and the guarantee period is until the child is 22 years old.
After insurance, during the period of children 18-2 1 year-old, that is, during the university period, you can receive 100% of the insured amount every year as survival insurance money; When the child is 22 years old, he can receive a certain percentage of the premium paid in one lump sum.
The specific payment ratio of maturity payment depends on the age of the child at the time of insurance, as follows:
①0-2 years old: 150% of the premium paid; 3-5 years old: 130% of the premium paid;
②6-8 years old: 1 10% of the premium paid; 9- 12 years old: 100% of the premium paid.
If the child dies unfortunately or is permanently disabled during the protection period, the death/permanent disability payment shall be paid according to the greater of the paid premium minus the generated survival payment and cash value.
The product also supports rights and interests such as policy loans and insurance deductions, so that the invested funds also have certain flexibility.
Take a 0-year-old boy as an example. I chose to pay 66,000 yuan every year for three years, and calculated its IRR, which was as high as 3.90 1%, very close to 4%, and performed very well!
Generally speaking, the dream future education fund is very suitable for insuring children. If you miss the education fund every day, don't miss it again ~
Buy insurance and find centralized insurance! The whole network has the same number, search attention! We will help you buy the right insurance with professional knowledge and professional, objective and neutral attitude!