1, from the perspective of insurance companies

Universal Insurance Education Fund is jointly launched by Alipay Ant Insurance and Taikang Life Insurance, and is underwritten by Taikang Life Insurance. Taikang Life Insurance was established with the approval of the head office of China Bank, and is also supervised by China Insurance Regulatory Commission. Taikang Life Insurance ranked among the top ten life insurance companies in China in 20 18, so there is no need to worry about the safety of its products.

2. Judging from the expected income of insurance.

The expected income of the national insurance education fund is basically determined. When the insured is 18, 19, 20, 2 1 year old, he can receive 8% of the insured amount every year, and 68% of the insured amount when he is 22 years old.

3. Universal education fund is a kind of education annuity insurance, which can provide the insured with education fund during college, and the expected income is certain. However, this product does not provide other guarantees. It is recommended to provide children with security insurance first, and then take out education insurance.

Extended data:

The national insurance education fund is divided into:

I. Pension annuity:

1. If the insured is male, the pension age is 60.

2. If the insured is a woman, the age of receiving a pension is 55.

Second, the annuity can be paid annually or monthly, and the money received is different:

1. If it is collected annually, the annual amount is the basic insurance amount.

2. For monthly payment, the monthly payment is 8.4% of the basic insured amount.

For example, women invest 100 yuan every month until they are 55 years old. If paid annually, the fixed annual income after 55 years is 1 1348 yuan. If you get a monthly salary, you can get 953.27 yuan per month after 55 years old, one year 1 1439.24 yuan, which is 9 1.24 yuan more than the annual salary.

Third, the protection of death:

If the insured dies unfortunately due to illness, accident or natural reasons, the insurance company will pay the insurance money as a product of lifelong protection for the whole people. The collection of death insurance money is divided into three situations:

1. If the insurance company dies before receiving the pension, the insurance company will pay the highest premium or cash value! (Generally, the premium paid will be greater than the cash value, and the cash value will be higher with the passage of time, and it will be very low in the early stage).

I started to receive a pension, but I died within 20 policy years. Then the insurance company will pay the death insurance by subtracting the difference between the pension that should be paid by 20 policies and the pension that I have already received.

3. After receiving the pension for 20 years, the insurance company will not pay the death insurance.