Education insurance has both savings and security functions. It can provide sickness, accidental injury and high disability insurance for the insured and the insured. Therefore, in case the insured encounters risks and it is difficult to complete the children's education reserve plan, the insurance company will waive the insurance premium that the insured should pay in the future and provide the children with the cost of future education.

There are two kinds of education insurance, one is regular and the other is dividend. There are two ways to pay dividends, one is American dividend, and the other is British dividend. American dividend is a cash dividend, based on the premium you pay, only the annual dividend. Dividends in Britain are guaranteed dividends, and there are double dividends: annual dividends and final dividends. Cash dividends can be paid in cash. The annual guaranteed dividend is distributed by increasing the insured amount, and the final dividend is distributed by special dividend, survival dividend and pension. For example, taking the insured amount 10000 yuan as an example, the university education fund receives 30% of the insured amount, and the cash dividend is only 3,000 yuan, and the education fund is more than 3,000 yuan. Because the insured amount after dividends is higher than 10000, that is, the effective insured amount exceeds 10000, so you get more education funds. At present, there are several insurance companies that use guaranteed dividends: Xinhua Life Insurance, China Life Insurance, Sino-British Life Insurance and Hengan Standard Life Insurance.

If you want to insure education insurance or dividend education insurance, if you want to insure dividend education insurance, it is best to insure dividend education insurance.

No one can replace the exemption function of insurance companies, only insurance companies have it. Exemption means that once the insured is unable to pay, the insurance company will pay for it and the children will still enjoy protection. The promise of "I can always take care of you as long as you are here" has really come true.

Losing the ability to work means a sharp drop in income. If the premium-free function is attached to the policy, the financial difficulties caused by disability will be avoided, and you don't have to pay the premium, but the policy is still valid, including cash benefits. So free of charge is equivalent to adding another insurance to your policy, which is the humanized function of insurance.

Through education insurance, let the insured know that no matter how much money I earn, I must make compulsory savings, and let the children know that no matter how rich I am, I must take out a small part to prepare for my retreat. It is important to establish the concept of being prepared for danger in times of peace from an early age. This is also a kind of training for financial businessmen.