Next, the senior sister will take buying education insurance for a 3-year-old child as an example and analyze it with everyone.
You know, education fund is also an annuity insurance. If there are parents who don't know much about annuity insurance, you can poke this article: Is annuity insurance good? Is there anything to pay attention to? Do you have any good products?
In essence, education gold insurance is a kind of plan made by parents in advance for their children's future education, which provides financial security for their children's important education stages such as junior high school and university. Of course, some education insurance is not limited to children's future education, and some guarantee the provision of wedding money and venture capital.
Different from daily consumption and other expenses, it will be greatly affected by inflation and other factors. Children's education expenditure is a rigid expenditure. It is suggested that it would be better to make preparations in advance, so that there can be corresponding education funds at any time when needed. Therefore, it is necessary to buy an education insurance for children as soon as possible when economic conditions permit.
Parents who want to know more about education fund insurance and still have questions about it, please read this article: Parents must read: Is it necessary to buy education fund insurance? How to choose the right product?
There are many kinds of education insurance in the market, and different education insurance also has its own characteristics. How should I choose? Senior, I'll give you two tricks!
1. Let's look at the payment time and collection method of education fund insurance. Because education fund insurance mainly provides economic security for the important stage of children's future education, the payment time of insurance fund must match the children's education stage; As for the collection method, it depends on everyone's willingness to insure and choose as needed.
2. Look at the benefits of education fund insurance. Considering that education fund insurance is reserved for children's future, the inflationary impact in the middle can't be ignored. Therefore, the higher the income from education insurance, the better. Please refer to IRR as an indicator.
For parents who want to buy education insurance for their children, this article should not be missed: the latest! The eight education grants with the highest rate of return in 2022 are coming ~
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