Below, the senior sister will come to learn about the content of education dividend insurance with you.
Before the lecture officially started, the seniors prepared a small gift for everyone. Interested friends can poke this:
Super full! Everything you want to know about insurance is here.
1. Analysis of Education Annuity Insurance
To put it bluntly, the main purpose of education annuity insurance is to give children a sum of insurance money in different education stages (such as junior high school and university) in the future.
Usually, the education annuity insurance has the characteristics of earmarking, no time and cost flexibility, long duration, huge total cost and high installment expenditure, which well corresponds to the children's education process; It is really necessary for parents to prepare an education annuity insurance for their children in advance when the economic situation allows.
Different from the education annuity insurance (dividend-paying type), this kind of products will have uncertain dividend income. The education annuity insurance is a rainy day for children's future education, so it still has a certain positive effect on resisting the influence of inflation.
If parents have questions about education annuity insurance, I believe this article will definitely help you: Parents must read: Is it necessary to buy education annuity insurance? How to choose the right product?
2. Matters needing attention in purchasing education annuity insurance
Through the above, I think parents have a certain understanding of education annuity insurance, so for parents who want to buy education annuity insurance for their children, senior sister will give you two points of attention.
(1) Before buying education annuity insurance, it is recommended to provide children with insurance such as critical illness insurance and millions of medical insurance, because good health is everything.
(2) Under the condition of ensuring that the education fund guarantee meets the demand, it is suggested to give priority to the education fund products with higher returns (refer to IRR). After all, this is planning for the children's future, and the inflation factor must not be ignored.
Finally, for parents who pursue high-yield education annuity insurance, please refer to this article: Latest! The eight education grants with the highest rate of return in 2022 are coming ~
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