Hello.

First of all, I suggest you indicate which city you are in, so that local business colleagues can help you and avoid receiving many invalid replies.

I don't know which company and insurance you are talking about. According to the information you provided, the annualized rate of return is only a little more than 1%. I don't know if there is any dividend.

Besides, let me tell you something. Generally speaking, the income of special education insurance is not very high. If dividends are added, it is about one to two percentage points higher than the bank interest rate. This is a relatively normal rate of return, and it is also a basic direction when designing this kind of insurance.

Personally, I think this insurance is not very good.

Furthermore, I want to tell you a related news: On May 65, 438+0, 1965, according to the data released by the China Insurance Regulatory Commission, the net profit of the whole industry in the first quarter of this year was1803 million yuan, and the net profit of the three insurance giants of life insurance, Ping An and Pacific Insurance was 176.44 yuan, accounting for about 98% of the total profit of the whole industry.

So if it is the insurance of other companies, the rate of return can be imagined.

China Pacific Life Insurance, as one of the three "national prefix" life insurance companies, has stable operation, excellent performance, strong strength and reliable reputation. Moreover, many guarantees of our company are also in the leading position in the industry, with comprehensive guarantees, excellent terms, low rates, convenient and fast claims settlement and high return on investment.

At the same time, in 2008 and 2009, China Pacific won the honorary title of "Top Ten Comprehensive Strength of Beijing Insurance Industry" in succession, ranking first (see Beijing News for details).

On 20 10 65438+ 10/0/8, China Quality Miles Promotion Association announced the results of an unannounced visit to the service quality of Pacific Insurance customers: after field investigation on the service quality of Pacific Life 1 1 service agency window, the overall evaluation of the company's service quality was Grade A, and the qualified rate reached/kloc. China Pacific Insurance was awarded "Excellent Member of China Quality Miles". So far, Pacific Property & Casualty has been among the best in the unannounced visits to the window service quality of the property & casualty insurance industry for 8 consecutive years.

If you are considering buying insurance for your baby, it will be fine 30 days after the baby is born.

Choose insurance for children, focusing on the following aspects:

Consider social security first.

For example, Beijing's "one old and one small", as long as 50 yuan every year, the protection is more comprehensive. If the baby is not registered in Beijing, contact the local social security department to see if there is similar insurance.

Secondly, make up for it in commercial insurance.

Major illness protection: this is the most basic protection, just in case. Just like a goalkeeper in a football match, you can live without it for a long time, but you can't live without it.

Accidental injury protection: children are young and have weak self-control ability. Occasions are common. If you have an extra pet at home, the risk of accidents will be higher. And my company's accidental injury protection, 0 free compensation, 100% reimbursement, is the only choice for the baby to avoid accidental injury.

Hospitalization reimbursement: Children are young and have weak self-resistance, so hospitalization is inevitable. To put it mildly, hospitals are like robbing money now, and this should also be considered.

Finally, look at your own financial ability. If conditions permit, you can consider buying an education insurance for your baby.

If you don't consider the education marriage fee, the above guarantee will cost around 2000 per year, so you should choose a better insurance.

At the same time, I suggest you consider protecting you and your lover. After all, you are the biggest reliance of children.

I hope my answer can help you.