Therefore, most parents want to prepare for their children's future education in advance, so as to configure an education fund insurance.
So what are the better education insurance in the insurance market? Dad prepared a strategy for everyone, "prepare education funds for children and win at the starting line!" 》
First, how to choose the children's education fund insurance?
(1) Select the life type or non-life type.
Non-lifelong children's education fund insurance is mainly aimed at children's expenditure in the education stage. The lifelong children's education fund can be used not only as an education fund, but also as a pension for children when they are old.
(2) Pay attention to liquidity risk
The liquidity of children's education fund insurance is relatively poor. Think carefully when choosing to buy. If we surrender our insurance in the future, it may cause some economic losses.
(3) The sooner you buy, the better.
Buy when children are young, the cycle is longer and the cycle is longer, so you can save in advance and reduce the pressure of payment.
(4) Select the one with safety protection function.
We can try our best to choose an education fund with guarantee function to provide children with disease protection while ensuring their education.
(5) Is there an exemption clause?
If the children's education insurance purchased contains the exemption clause of the insured, if the insured unfortunately has an accident or suffers from the disease agreed in the insurance contract, the subsequent premium will not be paid.
Second, dad's summary
Children's education fund is a necessary and known capital expenditure for children, and the amount is huge. If we can plan ahead. Through the compound interest of time, the future financial pressure will be better alleviated.