Today, Senior Sister will take a look at Jincai Future Children's Education Gold Annuity Insurance (dividend-sharing type) with everyone to see if it is really that good.
Before the evaluation, the seniors prepared an article about the choice of education funds. Parents and friends are advised to browse:
Parents must read: Is it necessary to buy education fund insurance? How to choose the right product? 》
1. What is the guarantee content of Gu Future Children's Education Fund in Dehua?
Senior spent energy to make a wonderful gold product map for future children's education. You can have a look first:
As a children's education annuity, senior sister thinks there are still many places to take:
Advantages: 1 Humanized collection time of survival insurance money.
Dehua's Gu Future Children's Education Pension Annuity Insurance stipulates that the insured can receive it from the age of 18. The insured can receive the basic insurance amount every year until reaching 2 1.
Take the insurance scheme in the chart as an example, the insured can receive 10000 yuan every year, totaling 40,000 yuan for four years.
As we all know, this time is when children go to college, and the expenses at this time of year are not small, such as tuition and miscellaneous fees and various expenses. With this money, children can just subsidize tuition and fees and living expenses.
Advantage 2. Rich responsibilities can be attached.
Dehua's future children's education fund annuity insurance can supplement the senior high school education fund and insurance exemption, so that the insured can have more choices in the choice of protection.
The high school education fund is an additional responsibility to include the key education stage of the child in the scope of protection, and the insured chooses the project, so that the child can be fully guaranteed at this school stage.
Worry-free exemption is an ideal guarantee in Dehuagu's future children's education pension annuity insurance. When the insured suffers from serious illness or death and is totally disabled, the policy premium is exempted and the contract is still valid. Children's protection will not be lost because of adults' accidents.
However, the shortcomings of this product are also obvious.
Disadvantage 1. Force binding of common accounts.
When insuring Dehuagu's future children's education annuity insurance, the universal account must also be attached. At present, the income of universal account is still uncertain, which leads to the insured's income is not guaranteed.
Part of the annuity insurance can be freely selected by the insured whether to attach a universal account. For example, this year's annuity insurance has more flexible income.
"Taikang has the real income exposure of annuity insurance in a year. How much can it earn in a year?" 》
It is difficult for some people to accept Dehua's compulsory binding universal account for future children's education pension and annuity insurance.
Disadvantage two. It takes a long time to withdraw funds.
Although Dehua's Gu Future Children's Education Pension Insurance will not receive this annuity insurance in primary schools, junior high schools and senior high schools, it is indeed a bit comprehensive when children go to school.
As long as this product is insured, the first annuity can only be collected when the child reaches the age of 18, and it will take another four or even six years after receiving the four-year education fund.
This product is not suitable for people who need to spend it on other investment projects in a short time, or who need to spend it in a short time, because it takes a long time to get the money out.
Second, is Dehua Gu's future children's educational income high?
Let's take a look at the income issue that everyone is most concerned about when buying financial insurance.
Senior sister demonstrated the income of Dehua Gu Jincai's future children's education pension annuity insurance with insurance examples in the chart:
When doesn't count, I really don't know. After a calculation, I realized that the yield of Dehua's future children's education pension annuity insurance was simply unbearable.
We can see from the chart that the product yield should reach a positive number until 14 of the policy. In the year when the annuity is fixed (that is, the policy number. 18-2 1), the income has really reached its peak. However, this highest internal rate of return is only 2.2%, which is simply not available.
Seven-year-old blessing is a hot financial insurance product in this period. The yield of the policy in the seventh year is positive, and the internal rate of return ranges from 18 to 2 1 as high as 2.78%. This is not counting the more impressive rate of return in the later period!
After such a comparison, I think everyone already knows which is better and which is worse.
3. Is Dehua an Gu Jincai Future Children's Education Fund worth buying for children?
On the whole, Jincai's future children's education endowment insurance (dividend-paying insurance) is rich in security responsibilities, but it is not worth buying because of the shortcomings of mandatory binding of universal accounts, long time for fund withdrawal, low income and low cost performance.
For friends who are looking for more comprehensive and practical insurance, Senior Sister still suggests comparing other products. Senior sister has sorted out a lot of value for money to ensure a solid education fund. You can choose the best one here:
Evaluation of 8 education funds with the highest rate of return in 2023! 》
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