20 17-06-23 15:05
The WeChat group added by Sister Cat is really varied. Recently, a treasure mother dragged the cat sister to the WeChat business group. Sister cat thought it was very interesting when she went in. Besides selling goods, they also talked about buying insurance for their children.
I read the chat record, which is amazing. From accident insurance, critical illness insurance to education insurance, they all want to buy for their children buy buy. Sister cat has a deep understanding, and her parents are very anxious. They should consider whether the children's future education expenditure is sufficient, regardless of the cost, and hope to give the best to their children.
But in the final analysis, children's medical insurance is a national welfare, which can cover most hospitalization expenses. For example, the reimbursement rate of designated first-class hospitals in 200 yuan is 90%, and that of designated second-class hospitals in 500 yuan is 85%. Ordinary families are enough, and families with the ability can properly configure accident insurance and critical illness insurance.
Today, Sister Cat focuses on discussing with you whether education fund insurance is worth buying.
Sister cat's answer is: no!
Education fund insurance has become a kind of education insurance focusing on savings and security. Parents regularly pay relevant premiums and then help their children receive education funds at the appointed time. Most of them do not exceed 65,438+00 years, in the form of annuity insurance and old-age security.
This kind of insurance attracts parents, not only because the selling point of some of its publicity is always to seize the hearts of parents.
For example, it is mandatory to save future education funds for children (children can receive good education in the future); Some will also attach accident insurance and critical illness insurance; The premium can be waived (parents are unfortunate, and children can still complete their studies); There are refunds at different times. ......
Seeing the advantages of so many products, Ma Bao must have paid for them without saying anything.
Wait, paying is cheating!
Everything should be analyzed rationally. Next, let's look at a product case of an insurance website.
Ms. Li successfully insured a children's education fund protection plan for her 2-year-old son, and chose a guarantee amount of 50,000 yuan. For the accidental injury medical insurance attached to this product, she chose a quota of 20,000 yuan.
Sister cat feels very tired when she looks at this watch above. The lady insured her son when he was 2 years old, and didn't get the education grant for the first time until the child 15.
CPI has been rising. Will the money still be valuable after more than ten years?
According to the inflation level in China in the past, the purchasing power of 10000 yuan in the future is likely to be very low.
After reading the detailed terms of this insurance, I found that there are still many disadvantages.
1. The income is generally too low to guarantee dividends.
After opening the detailed terms of this insurance, Sister Cat found that it said "the policy dividend is not guaranteed".
Sister Cat asked a salesman, but she couldn't guarantee the normal income. The pricing interest rate of dividend insurance is generally around 2.5%-3%. If the business is not very good, it is likely to be very low, with an annual interest rate of 2: 00, which is too bad.
Therefore, no matter how the salesman shows you how high the interest is, it is useless. Who can predict what will happen in ten years?
Asset allocation is crucial, and education insurance is still too small.
Because the education fund is to be used later, Sister Cat suggested not to invest in varieties with too high risks, such as stocks or partial stocks and hybrid funds.
Parents can buy 3-year or 5-year treasury bonds, or put them in the money fund, so that the income will be higher than this dividend insurance, but parents should have a compulsory saving attitude towards this part of the funds.
2. Poor liquidity, loss of principal due to surrender midway.
Many people choose education fund insurance for compulsory savings, which can be done, but your education savings are very fluid, and you will cry when you are in a hurry to use money.
Let's look at the original case. The lady insured the education fund for her children at the age of 2, and paid the fee for the first time at the age of 15- 17, which means that after 17 years, she still can't get the money for the time being.
Sister Cat read the procedures and risks of terminating the contract, and the insurance company will write "You will suffer certain losses if you terminate the contract after the hesitation period".
Now that you have bought this product, you must also abide by its rules. You can't get the money back, or you will face losses.
3. The additional exemption function of the insured is only additional term life insurance.
Education fund insurance will have an additional exemption function, which can be said to have certain advantages. When parents encounter misfortune, they are still exempt from the remaining insurance fees, which can give their children a stable happiness and can still go to school.
However, that amount is still not high, just to ensure that children will go to school in the future.
It is best for parents not to take out education fund insurance, but to directly allocate a term life insurance for themselves, with a coverage of 500,000 yuan for 20 years, so that even if there is a risk, the children's education fund can be extended and the coverage is sufficient.
4. The education fund insurance payment is too high.
Education gold insurance should be bought when children are very young (0-3 years old), and it costs about10.6 thousand to 20 thousand a year, which is quite high.
Sister Cat, considering that many newly-married families are under great mortgage pressure at this time, if they don't make a good plan, they are likely to default.
In addition, prices are rising, and the money you paid in the early stage is very valuable, but the money you paid in the later stage is actually too low. Instead of buying this kind of insurance, it is better to manage your finances well, increase your income and do your own asset allocation before entering middle age.