Huaxia Xiaodangjia Children's Annuity Insurance is very popular on the Internet. I heard that it is very cost-effective. Many friends are also asking, is the price-performance ratio of Huaxia Xiaodangjia Children's Annuity Insurance really that high?

Is it really worth buying?

Today, I will take you to analyze this Huaxia Xiaodangjia children’s annuity insurance to see if it is as good as I heard!

Before we start, my senior has prepared a popular science article about annuity insurance. You might as well open it and read it first: "Is Annuity Insurance Good?"

Are there any pitfalls?

What are some good products?

》1. The contents of Huaxia Xiaodangjia Children’s Annuity Insurance are disclosed!

Without further ado, I would like to present the product protection chart of Huaxia Xiaodangjia Children’s Annuity Insurance: 1. Flexible payment method. The payment method of Huaxia Xiaodangjia Children’s Annuity Insurance is relatively flexible.

You can choose to pay the premium in lump sum or in installments: 3 years, 5 years or 10 years.

If parents do not want to bear too much premium pressure every year, they may wish to choose the longest payment period.

Some friends who are new to insurance may not know what single payment means. You can click below to find out more: "What does single payment mean?"

what is the benefit?

》However, many children's annuity insurances on the market can pay premiums over a maximum of 15 or 20 years. Compared with Huaxia Xiaodangjia children's annuity insurance, they can bring higher insurance leverage to consumers and share more premiums every year.

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2. Education and care benefits will be paid for many years. Huaxia Xiaodangjia Children’s Annuity Insurance can pay 10% of the premiums paid as education and care benefits every year when the insured reaches the age of 18-24. If he is safe and sound during this period,

Receive insurance benefits for 7 years.

There are many children's annuity insurances with educational annuities, but generally they only pay from the age of 18 to the age of 22. In comparison, the Huaxia Xiaodangjia children's annuity insurance provides two more years.

According to normal circumstances, children aged 18-22 are the golden age for receiving college education. Most ordinary children's annuity insurance can only reduce the burden at this stage, while the education and care funds of Huaxia Xiaodangjia children's annuity insurance are allowed to be received

24 years old.

To put it bluntly, even if their children choose to attend graduate school or study abroad after graduating from college, parents do not have to worry about funding for their education.

Even if children directly join the workforce after graduation, they are supported in continuing to receive education and care subsidies before the age of 25 (not included). This money can just relieve their initial expenses in work.

3. Provide the policyholder with exemption from liability. In simple terms, policyholder exemption means that if the policyholder encounters an agreed insured event and complies with the provisions of the contract, the insurance company will no longer charge the remaining premium of the policy, and the insurance will not expire.

Huaxia Xiaodangjia Children's Annuity Insurance just sets up this insurance liability, and the scope of exemption includes accidental death or total disability.

Generally speaking, even if parents suddenly encounter misfortune, Huaxia Xiaodangjiajia Annuity Insurance can continue to protect the growth of their children. At least their future college expenses are guaranteed.

2. Is Huaxia Xiaodangjia Children’s Annuity Insurance worth buying?

1. The guarantee period is single. Huaxia Xiaodangjia Children’s Annuity Insurance is actually a lifetime product. Compared with regular annuity insurance, the price will be higher and it has certain requirements on consumers’ economic conditions. Some working-class people may not be able to afford this insurance.

payment insurance.

In order to cater to market needs, some insurance companies have launched annuity insurance products that can provide term and lifetime protection. People with different income levels can use them to provide protection, which is more flexible in comparison.

2. Policy rights and interests. The less talked about policy rights and interests, to put it bluntly, means that in addition to the protection provided by the product, consumers can also obtain certain rights and interests through the policy.

Although Huaxia Xiaodangjia Children's Annuity Insurance also has policy rights, it only has two types: policy pledge loan and automatic advance payment, which is somewhat insufficient.