2. Ask about the scope of the exemption clause. When buying the main insurance, you should also buy premium-free additional insurance. In this way, if parents cannot continue to pay premiums for some reason, the protection for their children will continue to be effective.
3. Pay attention to liquidity risk when buying education fund insurance. The defect of education fund insurance is poor liquidity and high premium. Once the capital is invested, it is necessary to pay the insurance premium to the insurance company regularly according to the contract, which is a long-term investment.
4. When buying education insurance, we should take into account the security function to cope with the risks of illness, disability and death that may occur in future children;
5. Parents should skillfully use the combination when buying education insurance for their children, that is, use education insurance for education planning before the fourth grade of primary school, and use the combination of "education insurance+education savings" after the fourth grade of primary school.
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Benefits of children's education insurance
1, bringing multiple guarantees to children: children of all ages should be guaranteed. After being insured, it can not only help parents to reduce the pressure of education, but also part of the insurance premium exemption can guarantee the interests of children, bring additional protection and let parents have no worries.
2. Family education funds guarantee: education funds accompany children throughout the school year, and it is difficult for most families to separate education funds from family expenses. Once the cost is not controlled, it is likely to misappropriate education funds, which will bring certain risks to children's education. After purchasing the education fund, the children's education funds can be guaranteed and earmarked, and the children's education expenses at all stages of their lives can be prepared in advance to simplify family finances.
3. Dividends for family financial management: Education fund insurance is generally paid continuously. When children reach a certain age, they can receive a certain amount of education money, and the amount of dividends they receive is generally higher than the accumulated insurance premium, so it is a kind of financial investment to some extent, which brings certain benefits to the insured families.
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