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What is education fund insurance? What are the classifications?
Hello, there are two kinds of insurance for education savings:

1 is a traditional education annuity insurance. For example, 18 years old (generally college age) is collected once a year for four consecutive years. There are also 25-year-olds who receive insurance money, so the amount of insurance is fixed and the protection is clear.

2. It is a popular universal insurance or investment-linked insurance in the market at present, with investment appreciation as a reserve for future education. However, there are certain risks and there is no guarantee of value-added. Moreover, the expenses deducted in the first five years are relatively high, which generally requires long-term and continuous paid investment, which may hinder the obvious use. Of course, its income opportunities may be greater than the traditional education annuity insurance.

Pay attention to the following aspects when insuring children with education fund insurance:

First, the cost should not be too high. Children's insurance premiums should be based on the family's economic situation and should not be blindly compared. Generally speaking, children's insurance expenses should account for 10%-20% of the total family income.

Second, the payment period should not be too long. For children, it is not recommended to buy products with a long warranty period. Generally speaking, choosing education fund insurance to protect children at the age of 25 can meet their educational fund needs.

Third, the guarantee is as comprehensive as possible. It is recommended to choose comprehensive insurance covering major diseases, accidental injuries and accidental medical treatment. Let the children get the most comprehensive care.

Fourth, pay attention to choose insurance with premium exemption function. Children can still be protected in case of accidental death or loss of ability to pay of adults.

I can't give a more specific answer because I don't know your specific situation. Insurance suitable for children is the best insurance.

There are many specific insurance methods. You can choose to go directly to the insurance company for consultation and purchase, or you can choose to compare and purchase on the online insurance platform. I hope it helps you.