My daughter is almost one year old. I want to buy her insurance as an education fund for going to college. It costs about two thousand yuan a year. What insurance should I buy? First of all, a family should understand the general principles of buying insurance:
1, adults first, children second (parents are children's greatest protection. Buy insurance, don't reverse your priorities. The same is true of the inheritance style. Everyone wants to give more to their children. But only with insurance can we fully protect ourselves, which is the embodiment of loving children. Please remember: parents don't have insurance, and children can't be guaranteed. Buying insurance only for children is the biggest misunderstanding of family insurance in China.
2. Guarantee first, then manage money.
3. The order of insurance is generally accident, life insurance, serious illness, medical care, education or pension.
4. Annual premium expenditure 10- 20% of annual income.
5. There is no need to buy it all at once. Accident insurance can be bought by the whole family. Others should be bought by the family first, and then gradually improved according to economic conditions.
If parents' protection is in place, consider children's insurance. Children's insurance should first consider social security, such as "one old and one young" in Beijing, which is the most basic guarantee and also belongs to the national welfare policy.
In terms of commercial insurance, children's insurance should give priority to accident and medical health insurance. After all, the most essential function of insurance is protection, and children's accidents and medical health should be given priority. As for education and marriage insurance, similar to compulsory savings, the amount of insurance depends on the financial affordability of each family. If you have strong financial ability, you can consider it at the same time.
Insurance, like dressing, must be tailored. It is important to establish a correct insurance concept before buying insurance. As for insurance, there is no good or bad, only suitable and unsuitable. It is easy to fall into a misunderstanding when comparing insurance types at first.
In order to obtain a scientific and reasonable insurance plan, it is suggested that you refer to the above insurance rules, use the "insurance bidding" function of the third-party Life Sky Insurance Intermediate Station (which does not belong to any insurance company and does not sell any insurance products, but is an interactive platform for insurance buyers and sellers), and publish your insurance requirements anonymously according to the set scientific process, so that you can obtain insurance plans customized for you by different agents of major local insurance companies, and make an objective choice without unnecessary interference.
The child is five years old and wants to buy an education fund. The rising cost of education and the relatively concentrated form of high-quality educational resources have made many parents think of handling a suitable education insurance for their children in advance, so as to prepare for their children to enjoy high-quality educational resources in the later period. Therefore, it is necessary to buy education insurance for your five-year-old child in time. I want to buy education fund insurance for my children.
Education fund insurance, also known as children's education insurance, provides corresponding insurance premiums for children's educational needs at different growth stages. Compared with other educational fund reserve methods, it has the function of giving consideration to both security and income, so it is favored by parents at present. Pay attention to the following points before insurance:
1. The earlier the education fund is insured, the better. The earlier the insurance time, the more education funds will be accumulated, the less the annual payment will be, and the earlier the protection will be.
2. Combine the children's actual security needs, comprehensively compare various insurance-related products, and make choices.
3. Our peace. Com provides education fund insurance products. If you plan to insure in Hui Ze. Com, you just need to log on to our website, find the product you like, and click Buy. In addition, you can register as our member for free and enjoy our preferential membership policy. To buy education fund insurance for five-year-old children, you should know the above common sense. In addition, it is important to choose a formal insurance platform. As the largest insurance e-commerce platform in China, Huize.com will strive to provide you with the best insurance scheme and professional products. The coverage of Sunshine Travel Education Fund Protection Plan (dividend-paying type): * Junior high school/senior high school/university education fund is optional * Death fund * Minimum monthly fee for special high-risk diseases-insurance disease protection 100 yuan. 1. The minimum monthly expenses of the education fund protection scheme for growing children are: * growth care fund, maturity insurance fund, death insurance fund * special payment fund * special premium exemption protection is 436 yuan.
My daughter is 3 years old and wants to buy an education fund. I don't know which one suits you. I can see that you have a good sense of insurance. To buy education insurance for your daughter, you must first analyze her current actual situation and understand her family's economic ability. It is a good insurance to buy education fund insurance suitable for your daughter. You can take a look at the Sunshine Tour Education Fund Guarantee Plan or refer to this link:: tieba.baidu./p/
Hello ~ My daughter is one year and two months old. I want to buy her an education fund. Are there any types of education funds with better returns? Thank you for telling me the specific products and whether I recommend them, but you can refer to the following instructions.
After all, children's mobility, accident insurance and medical insurance should be the first to bear the brunt. Then consider the combination of endowment insurance, children's education fund, dividend investment and other products.
Also, it should be noted that adults should buy insurance before children, and adults are the best protection for children. It is meaningless to say that adults have no security and children have no insurance coverage. After all, adults are paying for children.
First of all, the order of buying insurance is: first, we must guarantee products, including 1, consumer (accident insurance, term life insurance, etc. ); 2, cumulative (whole life insurance, endowment assurance, etc. ). Then there is medical insurance (general medical care, critical illness medical insurance, etc. ), pension insurance, children's education fund, dividend-paying product investment, etc.
At the same time, the family purchase order is: 1, the economic pillar; 2. Your lover; 3. Family members without economic income, such as children and the elderly.
Secondly, the principle of buying insurance is to give priority to social security, supplemented by appropriate commercial insurance.
Third, the insurance follows the principle of "high loss first", that is, if the frequency of risk accidents is not high but serious losses are caused, priority will be given to payment.
The insurance cost is generally about 65,438+00-20% of the annual income, and it is better not to exceed 20%, that is, 65,438+000% of the assets are preserved with 65,438+000% of the funds.
Here, I know that in this industry, there are three words that are "brand in life", "safe talents" and "Xinhua products"
Finally, we should pay attention to the principles of insurance:
(1) Buy medical treatment first, then health care, and then insurance. Health can ensure that customers have everything.
(2) Buying insurance pays less attention to words than contracts. Life insurance is generally a medium-and long-term contract. If you buy it, it will become a lifelong happiness, otherwise it will have a great impact.
(3) Insurance products need to have the function of maintaining and increasing value. With the improvement of living standards, inflation must be curbed.
(4) to buy insurance, we must first protect the head of the family. If the main wealth creator in the family is not guaranteed, what is the premium? Living expenses? Family expenses are not guaranteed.
I want to buy education insurance for my daughter. Your income is not high. I suggest you buy an accident insurance for yourself and your husband. Remember, it's very cheap, about 1000 a year.
Remember, the function of insurance is protection, not profit, so there is absolutely no need to buy any financial insurance, hehe, as far as I know, it's all insurance companies bluffing.
You can make a fixed investment in the bank, and the income should be higher than the so-called education fund.
I hope my answer can help you!
I want to buy an education fund for my daughter so that she can go to college. My daughter is 2 years old this year, and I don't know which one suits you. A suitable education fund first needs to know your daughter's current security situation, whether it is necessary to simply apply for education insurance, or whether it is urgent to consider other security, so that education and other security can be comprehensive. Second, you need to know your financial ability clearly. The higher the insured amount, the better, because the higher the insured amount, the more expensive the premium, which is likely to affect the normal life of the family. Here is a reference link for you:: tieba.baidu./p/3727748335 (which education insurance is suitable)
My daughter is one year old. Should I wean her and give her complementary food? If the baby has three meals a day normally, give her a glass of milk before going to bed, and let other people in the family take the baby out to play more a few days before weaning, so that she can sleep well at night when she is tired of playing! And don't let the baby see you before going to bed! Let the baby's father or someone else put her to sleep!
This is how I weaned my baby! And my baby doesn't breastfeed during the day, but usually eats before going to bed at night! I wonder if your baby is like this! If it is, break it my way, and it will definitely break! Because my baby is very sticky to me!
If your baby still eats milk during the day, then cut off the milk during the day and give it to the child completely!
In the first few days of weaning, children will definitely cry if they don't adapt. Don't be soft-hearted Look at the poor soft-hearted children and let them eat! That's not easy to break!
In the weaning period, if the milk swells, don't suck it with a breast pump, let the milk hold itself! If you suck with a breast pump, * * * will sag!
My son is seven years old. I want to buy him an education fund. I don't know how to choose the right fund. First of all, I want to set my own investment goals and investment period, evaluate my risk tolerance, and determine whether I am a conservative, steady or enterprising investor. Secondly, carefully and comprehensively evaluate many indicators of each fund, such as income performance over the years, the ability and quality of fund managers and researchers, the risk control means and investment style of fund management companies. And choose excellent fund varieties suitable for their own risk preferences to invest; Finally, please track the funds you invest in and adjust your financial portfolio according to the performance of the funds, your own financial situation and income targets.
You can click:: fund.cmbchina./ to find out which fund is more suitable for you, or please screen the funds according to the risk tolerance and related requirements through the funds on the home page.
You can refer to China Merchants Bank Five-Star Select Fund (:fund.cmbchina./fundpages/openfund/openfundfilter.aspx? Filter =00000050).
Hello, my child is 9 years old and I'm going to buy her an education fund. Please design a plan, thank you! When the guarantee is done, we will talk about education subsidies.
My personal suggestions are as follows:
1. To buy insurance for children, we must first consider whether adults have enough protection, and don't put the cart before the horse.
2. Don't ignore local insurance policies, such as whether there is medical security for the old and the young.
2. Children's insurance, and then talk about education funds on the basis of security.
3. In terms of security, accidents, serious illness and medical care must be considered.
There are three kinds of children's insurance in the market: dividend-sharing, universal and investment-linked. It is recommended to choose the first two.
5, insurance planning, do what you can, don't be divorced from the actual affordability, it is not insurance. It is best to solve whatever can be solved. Don't pursue one-step solution, solve it step by step.
6. Remember the additional exemption!
6. It is unrealistic to buy insurance for children. Don't make too much preparations and plan your life. Treat it rationally and do what you can. You can set short-term, medium-term and long-term financial goals, but don't pursue perfection, reverse the order, and waste money.
7. It is very important to clearly understand the above requirements and rules, and then choose a qualified agent. It is also important to choose an insurance company.
8. I am the agent of Ping An, and I personally recommend the insurance that I pay attention to: Ping An Wisdom Star Children's Universal Insurance. If the guarantee has been done, you can consider the dividend insurance of Ping An Jixing. It is said that the sale will be suspended in the near future.
It is suggested to communicate with the agent in detail and verify it in many ways. After all, face-to-face communication is the most practical and effective way.
If necessary, you can also call the customer service phone of the insurance company for verification.
Good wishes!