1. Non-lifelong education fund insurance
Non-lifelong education fund insurance is a special education fund insurance product. Its refund of insurance money is really for children's education. The return of education funds generally starts from two important time points: children's high school and college. Wait until the child finishes college or is ready to start a business, and then pay the fees and the value in the education fund account in one lump sum. Let children get a sum of money at every stage of education, and at the same time reduce the burden on parents. In terms of children's education savings, the funds are earmarked for special purposes, which can guarantee children's education expenditure in junior high schools, senior high schools and universities. However, due to its short insurance period, the longest can not exceed the child's 30 years old, insurance companies will consider the safety of funds, and the low income will be lower than similar wealth management products. Non-lifelong education subsidy is more suitable for middle-income families.
2. Lifelong education fund insurance
Life-long education gold insurance is to protect life, run through children's lives, and let children feel the care of their parents at all times. Lifelong education grants are generally returned every few years. Children can be used as education funds when they are young, and they can be used as venture capital or marriage funds when they are adults. When the children are older, they can transfer their pensions to reduce the burden. Lifelong education fund is more suitable for high-income families. Because the insurance period is long, we should not only consider the children's education expenses, but also consider the children's future pension problems.
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