But it doesn't mean that the insurance company will be good. It still depends on the specific products, and then decide which way to plan the education fund after comparison.
I want to buy insurance, but I haven't mastered the basic insurance knowledge yet. Let's take a look at it first: super full! Everything you want to know about insurance is here.
Generally speaking, the way of planning education funds like fixed investment is relatively risky, because its income is difficult to guarantee, and in extreme cases, it may even be lost.
Therefore, if we think that the children's education fund can be given stably at the agreed time, it is not recommended to plan the education fund by means of fixed investment.
In contrast, the security and stability of bank deposits and insurance products are much higher.
Simply speaking, a bank deposit is to deposit a sum of money in the bank and take it out at the appointed time. This money can gain some appreciation in the bank.
However, under the downward trend of interest rates, the interest rate of bank deposits is not as impressive as before. It can only be said that this is a relatively stable way of capital planning, and everyone can choose according to their needs.
Education annuity insurance, on the other hand, can start to collect money on schedule after paying a certain premium and reaching the agreed time limit.
This kind of insurance not only has a certain guarantee ability, but also can be earmarked to solve the problem of children's education funds.
And generally can have a certain income. Traditional education annuity insurance can determine the income of 100% when it is insured.
However, you should pay attention to buying such insurance products: learn this trick and stay away from the 99% pit of annuity insurance.
Incremental whole life insurance is a kind of life insurance product whose insurance amount and cash value will increase year by year, so it has the guarantee function.
Its characteristic is that the current price rises rapidly, and the cash value can often exceed the premium paid before and after the expiration of the payment period, and its income can also be determined at the time of insurance.
If you take this kind of insurance as your children's education fund, you can usually withdraw part or all of the cash value by reducing the insurance or surrendering the insurance, which can be used as your children's education fund.
If you want to know about this kind of insurance, you can look at it: Who can manage money in whole life insurance and who will keep the increase? Is it worth starting with?
But besides considering the certainty of income, it is important to see which way of income is more impressive. If you choose education annuity insurance or increase whole life insurance, you can also compare different products and choose products with better returns.
The above is all my answers to this question, I hope it will help you!
Hope to adopt!
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