Lift the veil of life insurance education and financial management, and you will understand after reading it.
Education fund insurance is an insurance aimed at preparing education funds for children, and provides corresponding insurance benefits according to the educational needs of children at different growth stages. Facing the dazzling array of educational insurance products and complicated terms of educational insurance products in the market, I will unveil the mystery of life insurance educational wealth management products for you.
1. Insured object
Most of the education fund insurance in the market is mainly aimed at teenagers who arrive at 14 within 30 days. The restrictions on the insured object are mainly aimed at the insured age, which will directly affect the premium and insurance amount. Generally speaking, the older the insured, the higher the premium and the less the insured amount.
2. Payment method
The payment methods of education gold insurance are divided into batch payment and regular payment. Pay all premiums in one lump sum; Installment payment is divided into monthly payment, quarterly payment, semi-annual payment and annual payment according to the insurance contract. The payment period is divided into 3 years, 5 years, 10 years and 15 years, and some insurance agreements can be paid until the corresponding effective date of the policy.
3. Insurance liability
Summarize the insurance products that sell well in the market. The insurance liabilities mainly include education, survival, venture capital, marriage, death and high disability insurance. And some long-term insurance products also have pensions. In addition, in some education insurance currently issued, besides education insurance, children's health and safety are also taken into account, including hospitalization allowance and serious illness insurance. For example, China Merchants Cigna's Baby Sailing Children's Education Gold Insurance (C). What kinds of critical illness insurance for children are available? Which are cost-effective? Which is the most worth buying? Let's take a look at 10 the inventory of children's critical illness insurance sold by major insurance companies.
This paper introduces life insurance education financial products from three aspects: insurance object, payment method and insurance liability, hoping to help parents in need.
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Parents must look at the ranking of educational wealth management products.
With the improvement of people's living standards, the awareness of financial management has increased. Many people have begun to pay attention to family finance. Educational financial products are welcomed by many families in the market. In the latest list of educational wealth management products, China Merchants Cigna's future education annuity plan (dividend-sharing type) won the first place and became the most popular children's educational wealth management product of the year. What is the mystery of the plan to protect the future education annuity insurance (dividend-paying)? Can beat many products to win the championship, let's take a look at it with the article.
The importance of children's education and financial management
Children are the hope of parents. Now many parents want their children to have a bright future. So it is very important to have a reasonable plan for children's education, which reflects the importance of children's education and financial management. In this regard, the following is to introduce the relevant content of children's education and financial management.