It is necessary to buy a baby education fund, because it is safe, has the function of compulsory savings, has the function of premium exemption, and can obtain income. The earlier you buy the premium, the cheaper it is, and it can be used for special purposes, which can be used for future pension and to convey love and responsibility, as follows:

1. Safety: The baby education fund insurance is underwritten by insurance companies and supervised by CBRC, which is safe and reliable.

2. It has the compulsory saving function: the baby education gold insurance needs to pay the premium in the early stage, and the education annuity can only be paid after the insured lives safely to the agreed age, which has the compulsory saving function.

3. There is a premium exemption function: most of the baby education gold insurance provides premium exemption liability, such as the exemption liability of the insured. If it is agreed that the insured has an accident as stipulated in the insurance contract, the remaining premium may not be paid further, but the protection is still effective.

4. Earnable income: Most baby education insurance can also be attached to a universal account, and the insured can put the annuity and idle funds into the universal account to compound interest and increase value, thus obtaining more income.

5. The earlier you buy the premium, the cheaper it is: Generally speaking, the younger you are, the cheaper the premium you need to pay.

6. It can be used for special purposes: the baby education fund insurance can pay an education annuity when the insured lives safely to 18, 20 and 22 years old (subject to the insurance contract), and prepare an education fund for the insured.

7. It can be used for future pension: some baby education gold insurance can be guaranteed for life, and the income is relatively stable, which can lock in long-term interest rates for pension.

8. Passing on love and responsibility: buying education fund insurance for the baby and setting the baby as the insured reflects the parents' intention to plan their children's education life in advance, which can make the children feel the care of their parents.

It should be noted that the baby education fund insurance lacks basic protection such as diseases and accidents. Therefore, it is recommended to provide health insurance such as medical insurance, critical illness insurance and accident insurance for the baby. If you have spare money in your hand, consider giving your baby education insurance. It will be better.