Although education insurance has compulsory savings, its own premium is relatively expensive and its liquidity is relatively poor, so consumers must pay attention to skills when purchasing, so as not to regret it. Children are the treasures of the family. Only when it is well protected can parents feel at ease. This guide is the most comprehensive guide to children's insurance: don't buy insurance next time, which is specially written for Ma Baobao.

(1) Choose the guarantee period according to the economic situation.

Children's education insurance in the market can be divided into long-term and life-long insurance. Parents naturally want to give their children the best protection, but considering practical factors, parents are advised to choose product types according to their own economic situation.

If the economic conditions are average, it is recommended to choose to ensure that your child graduates from college. If the economic conditions are strong, children can naturally get lifelong protection, so they can also receive pensions and birthday payments when they are old.

(2) The budget should be based on safety.

Every family's insurance plan needs to be reasonable Although children's education is very important, consumers should not expect the education fund to make big money because of the poor liquidity of children's education insurance. Considering the risk needs of children, mainly serious illness and accidents, parents are advised to provide education insurance on the premise of improving the basic protection of children's serious illness insurance and accidental injury insurance.

(3) There are doorways to surrender the premium.

Children's education insurance can be surrendered when children's education reaches a certain stage. But at present, the products on the market often have restrictions on the ratio of extraction time and money. It is suggested that consumers choose education insurance that can decide the time and amount of withdrawal independently, which is more secure.