For those who are not familiar with education fund insurance, please read this article: Is it necessary to buy education fund insurance? How to choose the right product?
Many people have expressed interest in Cai Ying's baby education annuity insurance (dividend-paying). The following students will give you a detailed introduction to this product, not to mention, directly on the protection map!
1, analysis of insurance rules
The insurance age of Cai Ying Baby Education Annuity Insurance (dividend type) is from 28 days after birth to 10, and its guarantee period is 30 years.
The payment period of this product is 10 years, and there are many similar education insurances in the market. The payment period is flexible and diverse. In addition to the common wholesale payment, it also supports three-year payment, five-year payment and so on.
If you want to know more about the payment cycle of products, then this article must not be missed: How to choose the payment cycle so as not to lose money?
2. Analysis of guarantee responsibility
The protection responsibilities of the gifted baby education annuity insurance (dividend-paying) include the growth care fund, the family establishment fund and the death insurance fund.
During the guarantee period, if the insured has been living, he can receive 15 years' growth care fund and 20% of the basic insurance amount every year. At the age of 30, you can receive 100% of the basic insurance amount at one time. If you die unfortunately during the insurance period, you will pay compensation according to the highest cash value and premium paid.
It is worth noting that as a dividend-paying education annuity insurance, Cai Ying Baby Education Annuity Insurance can provide policy dividends for the insured. However, the specific amount of policy dividend is actually uncertain, sometimes more or less, or even not at all. What if it's just running? Policy dividend? Come on, then you must think about it.
Sister Xue also sent a cost-effective list of education funds. Interested friends can refer to it: the latest! The eight education grants with the highest rate of return in 2023 are coming ~
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