Children's marriage insurance is an insurance business established by insurance companies to help parents raise education and marriage expenses for their children. It has the dual nature of insurance and savings. This kind of insurance can cover education insurance alone or both. The insurance period is generally 3 to 20 years according to the age of the insurer or the agreement between the insured and the insurance company.

The advantage of children's marriage insurance is that when the insured reaches a certain age, the insurance company will begin to pay the education funds of high schools and universities according to the contract. When the insured reaches the age of marriage, the insurance company will pay the wedding money according to the agreement, and the payment amount will vary according to the delivery amount. In addition, when the insured is disabled or unfortunately dies due to an accident during the insurance period, the insurance company will also pay part or all of the insurance money according to the regulations. When the applicant, that is, the parents, dies, the insured can be taken care of to avoid paying the unexpired insurance premium, but the agreed insurance liability is still fully borne by the insurance company.

How to buy child marriage insurance?

Children's marriage insurance is often tied to education insurance. There is no absolute marriage insurance. It is equivalent to a savings, and the interest rate is relatively high, which is based on marriage. You can buy education insurance with extra wedding money to give your children this protection.

First of all, when buying insurance for women's wedding leave, it is best to consider the protection of serious illness. If the child is unfortunately suffering from a serious illness after the waiting period, as long as the education fund you bought includes these serious illness guarantees, you can get compensation according to the regulations, and you can also reduce some burdens for the family.

Secondly, combined with children's actual security needs, a comprehensive comparison of various insurance-related products to choose. For most parents, the cost of their children's college education and the cost of their children's early adulthood are often higher, so parents may wish to focus on the university education fund when buying education insurance for their children.

Third, choose insurance products with exemption clauses. Because the exemption clause in children's insurance stipulates that if the insured has an accident or loses the ability to pay for some reason during the contract period, the unpaid premium can be exempted, and the insurance protection for the insured is still effective, which is a unique advantage that bank deposits and stock funds do not have.

Finally, according to your family's economic situation, you can choose the period before your child is a minor as the payment period, so that your child can choose the appropriate insurance for himself according to his own needs when he is an adult.