Not only can the insured pay a certain amount of education money on schedule after a certain age, but also can provide the insured with the advantages of accidental injury or illness death and exemption from death or high disability premium.
However, the education fund can not be withdrawn in advance in the short term, and the liquidity of funds is poor. Early surrender may lose the principal, which is also the place where many people criticize. If you want to know more about the education fund, you can read here: "Do you have the education fund ready for the best for your children?" 》
Dividend insurance premium is relatively high, there is a certain interest guarantee, and there is a chance to get dividends.
Dividends are not fixed, and the level of dividends is directly related to the operating conditions of insurance companies. Insurance companies share investment risks and operating results with customers. Theoretically, it is possible that the dividend will be zero.
The dividend of dividend insurance is the amount that the policy holder gets from the distributable surplus of the insurance company.
The dividend of dividend insurance comes from the distributable surplus generated by the insurance company's dead interest, interest spread and handling fee interest.
Generally speaking, education fund insurance usually has both protection and savings functions, which can provide the insured with certain funds, compensation for accidental injury or death due to illness and exemption from death or high disability premium, but the liquidity of funds is poor.
The premium of dividend insurance is high, and customers bear certain investment risks, and the income depends on the operating conditions of insurance companies. If the operation is not good, the loss of the insured will be relatively large.