Why do you want to buy children's education fund insurance for the star product "Guarding the future dividend education fund", which has received money for 8 consecutive years and paid dividends every year and has four times the insurance coverage for major diseases?
At present, many parents don't know much about the purchase of children's education funds. They think that they are all savings, so it is better to deposit them in the bank, and the money deposited in the bank can be taken out for other purposes at any time. In fact, this idea is wrong. It is precisely because the money in the bank can be withdrawn at any time that the children's education funds cannot be guaranteed stably. If you encounter some difficulties and take out the savings originally used for education, you may not be able to take out so much money when your child needs education. Buying children's education insurance is actually a kind of compulsory savings, and you can't surrender it at will. Surrender in the middle will lose more premiums and play a mandatory role. In addition, the deposit in the bank will be affected by inflation, and the current bank interest often can't offset the speed of price increase, but buying children's education fund insurance can fight inflation well, so buying children's education fund insurance to save education funds for children should be put on the agenda by parents. So if you buy the wrong insurance, do you want to surrender it? If you surrender, why don't you lose money? Can I return the wrong insurance? How much can I refund if I surrender? How to surrender in full?
How to plan children's education fund
Now parents think it is enough to buy an education fund insurance for their children. However, if you want to use insurance to build a perfect protection plan for your children, you need to have a certain understanding of insurance products, carefully plan your children's educational needs, and then choose your children's education fund according to the comparison results.
When planning children's education fund, we should plan what kind of education children will receive in the future. Because of the different education received, it is necessary to prepare different amounts of children's education funds. For example, the educational expenses required for going to high school and university are different, and the expenses required for going to university in China and studying abroad are also different.
When determining the payment method of children's education fund, try to choose the way of paying children's education fund every year. Although it may be necessary to pay more premiums every year, it is not necessary for the insured to have so much money at one time, which reduces the financial pressure on parents. This way is more like bank mortgage and car loan. Although the interest may be higher, it can be divided into longer periods. In addition, most of the current children's education insurance has the function of premium exemption. When a parent dies, is completely disabled or suffers from a serious illness due to an accident, the insurance company can waive the residual premium, and the policy will remain valid, and the protection enjoyed by the children will remain unchanged. 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
Generally speaking, children now have bought children's medical insurance. These public insurances can meet the medical expenses of most children, but they are powerless to protect major diseases. Therefore, it is necessary to add accident medical insurance and serious illness insurance when buying insurance for children's education, because the premium of additional insurance has great flexibility and can be adjusted every year. Therefore, it is a very good choice to supplement children's health protection in the form of additional insurance.
The insurance plan for children's education+serious illness+minor illness 3 is in 1, and the protection is more comprehensive.