Education fund insurance is an insurance aimed at preparing education fund for children, and it is a kind of savings insurance, which has both compulsory saving function and certain guarantee function. Buying education funds for children is very reliable because:

1. Mandatory savings for special purposes. After children go through compulsory education, families need to bear the expenses of high school, university and further education. Buying education fund insurance to prepare education fund for children can force savings and ensure that children's education expenses are not misappropriated. Moreover, the education fund accumulated in the end generally far exceeds the investment of insurance premium, which is very cost-effective.

2. Give consideration to security and be free of premium. In addition to receiving education funds, buying education fund insurance can also give consideration to the protection function and increase the protection for children's health and accidents. You can also add a premium exemption function. Once the insured's parents encounter serious illness, death and other contractual situations, they can be exempted from paying subsequent premiums, and their children can continue to receive education funds.

However, when buying education insurance for children, we should pay attention to:

1. Follow the principle of education before guarantee. Before buying education funds, children should have basic serious illness insurance, medical insurance and accident insurance to fully protect their personal health. On this basis, buy education funds for children;

2. According to the family's actual situation and children's education planning, the premium should be within an affordable range to avoid excessive premium pressure and affect other family expenses;

The sooner you insure the education fund, the better. Generally speaking, the younger the child, the lower the premium and the more cost-effective;

4. When applying for insurance, we should not only consider its saving function, but also give consideration to its security function, and flexibly use additional risks to deal with risks such as illness, disability and death that may occur in the future.