Generally speaking, parents can go to the bank to buy education savings, and the income from the bank's children's education products is relatively stable. In addition, parents can also go to the funds purchased by securities companies to invest in education savings. The last channel is to buy education savings insurance products from insurance companies. The yield of the education fund deposit insurance product is relatively average, but it belongs to the security product other than savings.
First, the purchase of children's education insurance has the following functions.
1. Reserve an education security fund for children in the future: buying education fund insurance for children can resist inflation to a certain extent and provide expenses for children to go to college in the future.
2. Education fund insurance has the protection function of insurance: it can provide protection for the insured and the insured against diseases and accidents. Once something goes wrong, it can't provide funds for children's education, and there are insurance companies.
3. Education fund insurance also has a saving function: parents can choose insurance for their children's future education expenses according to their family's economic situation. Once the plan of education fund insurance is established, it is a long-term savings and an insurance for children's future.
Second, the protection of children's fund insurance is mainly medical care and education.
1. It is suggested to improve the community children's medical insurance first, and the general minor illness medical care can be supplemented appropriately according to the welfare status of adults (whether there is a follow-up reimbursement for the baby), which can basically solve the baby's minor illness medical problem. At the same time, because the baby is lively and active, accidental injuries, burns, scalds, and bumps in cats and dogs are inevitable; Due to environmental pollution, decoration pollution and food safety problems, the incidence of major diseases among minors is getting higher and higher, and infants who seek medical treatment unexpectedly and children with major diseases should be supplemented in time.
2. In terms of education reserve, there are currently two types of insurance for education savings: traditional education annuity insurance, such as 15 years old (usually high school age), which is collected every year until the end of college graduation. There are also people who receive insurance money until they are 25 years old, as their own study abroad money or wedding money, so the insurance amount is fixed and the protection is clear. At present, the hot universal insurance or investment-linked insurance in the market takes the form of investment appreciation as the reserve for future education, which is mainly reflected in three kinds of flexibility: flexible payment, flexible guarantee and flexible withdrawal. Generally speaking, the investment effect of long-term continuous payment is not good, of course, its income opportunity may be greater than the traditional education annuity insurance.