1. How much is the education gold insurance paid every year?
? Education fund insurance is a kind of financial insurance and a way of fund planning. Therefore, when investing in education fund insurance, we must combine the actual situation of our family and comprehensively consider the premium input. For example, children's future education planning, studying abroad, public or private, family cash flow, after all, education gold insurance is not suitable for a short-term income product, we should consider long-term investment.
Second, what should I pay attention to when applying for education insurance?
1. Define the purchase type.
Education fund insurance is usually divided into life insurance and non-life insurance. Life-long type can be used as education fund for children during school and pension after retirement, and the guarantee period is long, so its premium is naturally higher. Non-lifelong type only provides educational financial support for children. As for how to choose, it can be screened according to the family economic situation and their own needs.
2. Pay attention to the exemption clause
Some education insurance products contain exemption clauses, which means that if the insured loses the ability to pay premiums, children can still get education protection.
3. Guarantee before education
The essence of insurance is to avoid economic losses caused by uncertain risks. Many parents spend a lot of money to buy education insurance for their children, but ignore accident insurance and medical insurance, which is putting the cart before the horse. After all, children's education is based on good physical conditions.
4. Pay attention to liquidity risk
Education fund insurance is long-term, regular and compulsory. If you surrender your insurance midway, your parents will bear certain losses.
The sooner you buy it, the better.
The earlier you buy education insurance products, the longer the insurance period, the lower the premium after sharing, and parents will not have great economic pressure.
More insurance questions can be consulted by telephone.
Pre-sales product consultation: 400-880-3633
After-sales service: 95362
Extended data:
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