It's good that you have such consciousness now. In fact, buying an education fund allows us to take out the money smoothly when our children go to school.

For example, if a child goes to college, we have to pay tens of thousands, but at that time, it may be a lot to pay tens of thousands at a time, but we must pay it. Insurance education fund can solve this problem. Now you can save a sum of money for your child every year, and the child can take it out smoothly when he goes to school, and he must buy it for life, because after taking out the money, he can still take it later, or keep the marriage fund and venture fund, which are all a lot of money.

Don't buy term insurance. For example, when we are 20, we will take out our money. In fact, we can take it out for life, but it will be gone after we take it out regularly. At that time, we still have to buy insurance, but we can't buy such benefits at that time, and we are not sure what will happen in the future. It will definitely be expensive.

As you said, buying a fund is risky, but insurance is not. You must buy dividend insurance. Universal insurance is not suitable.

The income of dividend insurance is very stable and high, because there is fixed interest, which is equal to the fixed interest and floating interest of bank demand deposits. This can adjust the interest rate. Dividends are always higher than bank interest. Although uncertain, the stable development of the company can guarantee the income.

If you say 300~ 1000 per month, this is very high. In fact, this money is also for children. If you invest more, you will get more income in the future. This is also based on family circumstances. Another advantage of insurance is tax avoidance, and the income will be high in the future, but if it is higher, you don't have to pay taxes, and there are many benefits of forcing debts.

I'm from Pacific Life, and I recommend "Hong Xin Life" to you, which is also aimed at the education fund. It can be said that it is very cost-effective. If the family conditions are relatively good, more than 5 years 1 year is enough, 1 year is more than 6000 years, and more than 20 years are more than 3000 years. These are all family units, and insurance is a long-term and stable income.

Now that the network is transparent, you can check it online.

You have the need to buy insurance now. I suggest you find more salesmen to design the scheme after analyzing your family in detail. 2~3 salesmen can consult, each is different. Buying dividend insurance depends on the company first, and then on the fixed investment. Small companies will give root red high marks, so you only look at fixed income.

If you have any other questions, you can consult in detail or contact me in person.

I use my major to answer your questions, and I am happy to help.

Li Yang, Senior Business Director of Pacific Life Dalian Branch