Children's education fund is embodied in insurance, which is generally divided into two ways: one is education fund guarantee. Mainly through the protection of parents, so as to protect the children's education funds, that is to say, the insurance costs are on parents, and the amount of an education fund is counted as the family's insurance amount, so that when an adult has an accident, the children can get a sum of money, which should be enough to meet the children's growth and education rights. Children's education savings can be saved through their parents' work or other means, such as fixed investment, in order to ensure the correct savings. Another way is joint life insurance, which can protect the education of children while protecting adults. If an adult has an accident, not only will the premium be exempted, but the child can continue to receive the education fund. The second is the education fund savings. In traditional insurance, almost every company has this product, and the money is deposited in the insurance company and collected at maturity to ensure that children go to school. This method has two advantages: free of premium and earmarking. But the disadvantage is that: 1, the cost is high: because how much money you want to receive at maturity basically determines how much money you want to pay now, and the premium expenditure of a family is limited, so the protection of parents may not be solved after saving this education fund. 2. Low income: If there is a dividend, it can partially resist inflation, because the money must be saved for at least ten years. If there is no dividend, it will only be used for special purposes, and the exemption is of little significance. At present, the maximum predetermined interest rate of such products does not exceed 2.5%. As for the exemption, it can be completely solved by fixing the life. Let's see a case clearly: customer A is the economic pillar of the family and feels that he is young and doesn't need insurance. I insured an education fund for my son, paying 7000 yuan a year, without buying any insurance. Two years later, Mr. A had an accident and left his family. What should I do? Of course, there is no compensation. The education fund that can be exempted will not be collected until the child 18 years old. You can think about it. What will this family do in the future? Similarly, client B is also the backbone of the family. He listened to his agent and bought himself 400,000 life insurance, 300,000 accidents and a total of 6,300 premiums. He only spent 700 yuan to buy his son basic protection such as accident, hospitalization and serious illness, and the total family premium was 7,000 yuan. Two years later, B also left his family because of a car accident, so his family will get at least 700,000 insurance money, which should make up for his loss to a great extent.