If you are not sure which one to buy, you can click on the appointment 1 insurance planning service, and the deep blue insurance _ centralized insurance broker will give you professional advice.
Let's take a concrete look:
1, children's annuity insurance
According to the payment method agreed in the children's annuity insurance, the payment is fixed every year.
When the children agreed in the contract go to high school or college, they begin to change according to the contract.
Step 2 prolong life
I bought an increased whole life insurance and then planned how to reduce the insurance from the insurance policy on a regular basis, so as to pay for the children's education.
When choosing an education fund, you can pay attention to the following points:
1, select lifetime type or non-lifetime type.
Education funds are divided into lifelong children's education funds and non-lifelong children's education funds according to the guarantee period.
Lifelong children's education fund: when children are old, it can be used as both an education fund and a retirement fund. This kind of education is very expensive.
Non-lifelong children's education fund: This kind of education fund mainly aims at children's expenditure in the education stage.
Choosing lifelong or non-lifelong education funds should be based on the actual situation and needs of families.
2. Pay attention to liquidity risk.
Education funds are paid regularly, and the liquidity is relatively poor. In case of surrender, it may cause great economic losses, so this point needs careful consideration.
3. Select the guarantee function
You can also choose an education fund with security function to ensure children's education, and also provide children with disease protection.
4. See if there is any exemption clause.
Exemption, that is, when the insured has an accident or suffers from an illness stipulated in the insurance contract, the subsequent premium does not have to be paid, but the insurance contract is still valid and the protection enjoyed by the insured remains unchanged.
Therefore, when choosing an education fund, we should pay attention to whether there is a premium exemption clause.
Here is the same sentence, it is best to buy insurance before pursuing financial management.