? The insured amount is not as high as possible.
Parents buy education insurance, and the amount insured is not as high as possible. It should be considered in combination with the family's economic level and expectations for children's future education. It is better to control the insured amount at around 300,000. On the one hand, it can get corresponding protection, on the other hand, it will not increase the burden on parents because of paying high premiums.
It is risky to quit early.
Because the education fund insurance has the function of compulsory storage, parents must pay a certain premium every year or every month according to the contract to ensure the implementation of the education fund plan. Moreover, it cannot be withdrawn in advance. If you don't want to insure in the short term, you will lose part of your principal and have poor liquidity. Therefore, when buying this kind of insurance for children, consider the funds that may be used in the future, and don't buy more because the children are older and the premiums are cheap now. In fact, we should set aside some flexible funds in case of emergency.
Warning exemption clause
Most education insurance products on the market have exemption clauses, but the regulations of each insurance company are different. For example, some insurance companies stipulate that as long as the insured dies, they can be exempted from liability. Some insurance companies stipulate that only accidental deaths can be exempted. Some insurance companies stipulate that death or high disability caused by accidents can be exempted. Even, some insurance companies provide children's education insurance without exemption clauses. Therefore, when purchasing such products, you should read the disclaimer in detail, and it is best to include it all. We shouldn't listen to the one-sided words of business people, otherwise something really happened, and we will regret it then. Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China
Children bear the expectations of their parents. Every parent wants their children to succeed in the future. Therefore, they attach great importance to education. Investing in education is not only a little money, but also a heavy burden, especially when school starts, family laughter will be much less. Buying children's education insurance can not only bring education security to children, but also help parents reduce their burden and avoid spending a lot of money at one time. However, when purchasing such products, we must pay attention to the above matters.