Hello! My child is 9 years old this year, and he plans to buy Ping An s Wisdom Star a year and say t

The specific recommendations for insuring your child are as follows:

1.When buying insurance for your child, you should first consider whether the adult is adequately protected, and don't put the cart before the horse.

2.Don't ignore local insurance policies, such as whether there is medical coverage for the elderly and the young.

2.Children's insurance, based on the basis of protection, then talk about education funds.

3.In terms of protection, accidents, critical illnesses, and medical treatment must be considered.

4.There are three types of children's insurance in the market: dividend, universal and investment-linked, and it is recommended to choose the first two.

5. Insurance planning, do what you can, don't deviate from the reality of affordability, then it is not insurance. Best, solve whatever you can? Don't aim for a one-step solution.

6.Remember the additional exemptions!!

6.Buying insurance for your children, don't plan too much for a rainy day, and plan your life, which is very unrealistic. Treat it rationally and do what you can. You can set short-term, medium-term, and long-term financial goals, but if you don't ask for them all, reverse the order, and it will be a mess and a waste of money.

7.First of all, we must clearly understand the above needs and rules, and then select a qualified ** person, which is very important and very important, and then choose an insurance company.

It is recommended to communicate with ** people in detail and verify with multiple parties, after all, face-to-face communication is the most practical and effective way.

Specific: Mandatory payment for 10 years, after 10 years, you can receive it, you can receive it at one time, or you can receive it in batches, the specific situation, but the need at that time.

Remember to attach a double waiver. Communicate with ** people, you can.

Xueba talks about insurance, focusing on insurance evaluation! When buying children's insurance, you must know this comparison table:"Super Complete! The top 136 children's critical illness insurance in China are ranked

Generally speaking, you will receive the money at the end of the period. It seems that you don't know much about this product, so I'll analyze it for you in detail

Wisdom Star is a children's insurance company under Ping An, which is an insurance specifically for children.

Let's first take a brief look at universal insurance. It is a kind of financial management + protection insurance, and the main insurance is generally financial management.

Generally, ** people will claim that the protection of this type of product is almost perfect, which can not only provide support such as education funds, wedding funds, pensions, etc., but also provide universal insurance for critical illness, death, accidents, etc. It should be noted that universal insurance is not as versatile as you think, and you will understand after reading this article on digging into wisdom stars:"After reading the number of items deducted by Ping An [Wisdom Star], you will know whose wisdom it is".

We don't blow it or black, but evaluate it objectively:

Let's talk about the financial management aspect of Wisdom Star first.

It accrues interest on the money that the customer deposits each year into the policy account. At present, most of the products on the market are in this way, and customers can get a part of the amount every year, which is okay.

However, fees are deducted every time you deposit. The first five years are %, respectively, and from the 6th year, 5% is deducted each year.

At the same time, its guaranteed interest is not high.

Let's talk about his guarantees.

The basic benefit of the death benefit is $100,000 plus the policy account value, as for the policy account value, it depends on your insurance contract. The most important critical illness benefit of health protection is only 80,000 yuan, and its sum assured is still used together with the death benefit of the main insurance, in other words, once I make a claim for critical illness, the basic sum assured of the main insurance is only the remaining 20,000 yuan.

All in all, unless you really like Ping'an, it is generally not recommended to buy Wisdom Star, which is not cost-effective. If you mainly want to buy insurance for your children, it is recommended that you buy health insurance such as critical illness insurance before purchasing financial insurance. I have screened some cost-effective and worthwhile children's critical illness insurance products, and you can collect what you need:

"The Best Children's Critical Illness Insurance to Buy in 2020".

That's all I have for the issue, I hope it will be useful to you!

Summary. Hello dear, I'm glad to answer for you, the smart star starts to pay at the age of one, 6000 per year, 15 years, 26 years old can receive 2000 per year in ordinary high schools, and colleges and universities can receive 12000. The amount of the pro-safe smart star is determined by the bachelor's degree system, and the amount received by different bachelor's degrees is different, and the ordinary high school can receive 2,000 yuan per year.

We follow the low-grade income (mid-range interest rate (high-end interest rate (6%), and see how much money can be expected to be obtained from surrender: 1. Low-grade interest rate: death benefit 10,000, critical illness insurance amount of 290,000, surrender can receive 87,103 yuan; 2. Mid-range interest rate:

The death benefit is 10,000 yuan, the critical illness insurance amount is 290,000 yuan, and the surrender policy can receive 108,990 yuan; 3. High-grade interest rate: death benefit of 10,000 yuan, critical illness insurance amount of 290,000 yuan, and 123792 yuan can be received when surrendered.

The child is 9 months old, the last Ping An Smart Star, 6,000 yuan a year, 15 years, how about this insurance? I bought a Ping An Smart Star, pay 6000 a year, can I return all the money when I pay it?

Hello dear, I'm glad to answer for you, the smart star starts to pay at the age of one, 6000 per year, 15 years, 26 years old can receive 2000 per year in ordinary high schools, and colleges and universities can receive 12000. The amount of the pro-safe smart star is determined by the bachelor's degree system, and the amount received by different bachelor's degrees is different, and the ordinary high school can receive 2,000 yuan per year. We look at how much money we can expect to get from surrendering the policy according to the low-end income (mid-range interest rate (high-end interest rate (6%)

1. Low-grade interest rate: death benefit of 10,000 yuan, critical illness insurance amount of 290,000 yuan, surrender of 87,103 yuan; 2. Mid-range interest rate: death benefit of 10,000 yuan, critical illness insurance amount of 290,000 yuan, surrender can receive 108,990 yuan; 3. High-grade interest rate:

The death benefit is 10,000 yuan, the critical illness insurance amount is 290,000 yuan, and the surrender policy can receive 123792 yuan.

If you are in high school, you can get as much as you can get when you get married at the age of 26.

Dear, you can probably get 123792

How much Wisdom Star Insurance can receive after 15 years depends on how much you have saved and how many years you have saved, as well as the cash value on the insurance contract.

When buying insurance for your child, you should be guided by the right principles. Many friends do not know what kind of insurance they have purchased after buying it. Mint Bao teaches everyone how to choose insurance for children, poke here:

What kind of insurance is suitable for children? Which is the best deal? How to buy?

1. The details of the insurance types of Ping An Children's Smart Star Insurance are as follows:

1. Ping An Wisdom Whole Life Insurance (Universal): The sum insured is 100,000 yuan (guaranteed for life), and the annual payment is 5,000 yuan.

2. Additional Wisdom Star pays critical illness in advance: the insured amount is 80,000 yuan (guaranteed for life).

3. Additional worry-free accident Shanghai medical treatment: the reimbursement amount is 10,000 yuan per year (insured to 65 years old).

4. Waiver of premium B (insurance adult): 15 years of insurance payment.

5. Waiver of premium C (child): 15 years of insurance payment.

2. The insurance liability of Ping An Children's Wisdom Star Insurance is as follows:

Income: High school education fund: 4,000 yuan per year * 3 years = 10,000 yuan.

University education fund: 10,000 years * 4 = 10,000 yuan (the total amount of accumulated education fund is 60,000 yuan, and the remaining 10,000 yuan is in the account).

Wedding money: a one-time payment of 10,000 yuan.

Daily interest, monthly compound interest, the remaining value of the reserve pension: 60 years old: 10,000 yuan into 130,000 yuan (in the case of wedding money).

If you want to know more about insurance, you can consult Mint Insurance, which has strict consultant screening standards, full life cycle services, farewell to the traditional sales-oriented model, and a professional and perfect content system to assist in high-quality decision-making.

Take the 0-year-old baby's Lifelong Safety Wisdom Star Protection Plan as an example:

Let's say you save $583 per month and $7,000 per year for your baby.

Your baby will enjoy the following nine benefits:

1 Life protection: After the policy is effective, you can enjoy life protection of 100,000 yuan for life. After the age of 18, you can rise to 500,000!

2 Critical Illness Benefit: 90 days after the policy is in force, you will enjoy 80,000 yuan of critical illness benefit for life. After the age of 18, it can rise to 400,000!

3 Accident Medical Benefit: After the policy takes effect, the medical expenses arising from cat scratches, dog scratches or bumps, etc., can be reimbursed 100% between 100 and 10,000 (except for self-payment) until the baby is 64 years old.

4 High School Education Pension Account 6000 per year

5 University Education Grant Account 15,000 per year

6. Wedding money account: 28 years old to receive a wedding payment of 50,000 yuan.

7. Pension account: 60 years old receive 1500 per month to life as a pension supplementary account.

9 Enjoy the exemption function :

Waiver 1: If the baby suffers from a critical illness during the payment period, the premiums for subsequent installments will be waived and the insurance liability will continue to be valid.

Waiver 2: If an adult suffers from a critical illness during the payment period, the premiums for subsequent instalments will be waived and the insurance liability will continue to be valid.

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How to buy insurance for your child

This question has made many parents think hard, today let's take a look at how to buy insurance for their children! Keep these three points in mind:

First, children's medical insurance is essential!

Newborn medical insurance (medical insurance for urban and rural residents) is a national basic insurance, and the child should be handled immediately after birth, whether it is a major illness or a minor illness, the basic medical insurance is particularly important, so this must be handled for the child.

Second, if you plan to buy commercial insurance, critical illness insurance + medical insurance + accident insurance, this is my advice to you.

Start with critical illness insurance, which provides coverage for a long time (up to a lifetime). Secondly, critical illness insurance pays cash directly after getting sick, which can not only solve the problem of medical expenses, but also solve other associated problems, such as falling behind due to illness, or some irreparable losses in subsequent life, which require a lot of cash to make up. Buying a pure protection critical illness insurance can solve these problems.

In addition, medical insurance can be used to reimburse the medical expenses of children's usual medical treatment, for example, a 0 deductible hospitalization medical insurance, with an insurance amount of 10,000 yuan, and an annual premium of one or two hundred yuan, which is very cost-effective.

Finally, let's look at accident insurance, it is very cheap for children to buy accident insurance, and the insurance amount of 20w only needs sixty or seventy yuan per year. Accidental death, disability and accidental medical liability of the child can be covered, and the cost performance is quite high.

Third, is there any insurance that I should not buy for my child?

Don't choose life insurance for your child, and try not to consider critical illness insurance with both liabilities attached. I know the specific reasons in this articleHow do I buy insurance for my child?

has been introduced in detail, because it is very detailed in the manuscript, so I will not waste time here.

According to the above insurance ideas, if you configure regular insurance for your child, you can get it for about 1,000 yuan per year, and if you buy lifelong insurance, it will only be two or three thousand per year, which is cost-effective and practical.

That's all for me"I bought Ping An Children's Wisdom Star Insurance, and I pay 5,000 yuan per year, what is the specific thing about this insurance? What is covered? Whew"All of them, I hope it helps you! Hope!

Ping An Children's universal insurance, including death, critical illness, accidental injury and medical treatment, can be taken, but it will affect the cash value, you can consult the insurance person, reasonable access as education funds or something

This is a **, you will find that the contract he said is not on it! Wait until you pay enough for 15 years. You can't take out the money, and if you take it out, it will be surrendered!

This is a lie, your 10,000 will pay enough for 15 years, if you live to be 60 years old, it means that your current 10,000 don't move, and after 45 years, if you buy it in 2019, the child will be one year old.

You have to wait until you are 60 years old, that is, in 2079, when your child is sick, you will be compensated 1 million for serious illness medical treatment, and 100,000 for your unfortunate death! It's really too pit, I quit, and the sons of the insurance company earned more than 20,000 yuan, anyway, I greet the whole family of the insurance company every day!

I also bought 5,000 two children a year, and I bought it as soon as my brain was hot, I don't know if there is a rebate?

I don't know, I bought it in a daze.

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As an insurance with a dividend-paying nature, Wisdom Star is not comprehensive, and it is not as high as the income of special financial insurance, and the income is only a few thousand yuan after 10 years. I think it's still necessary for me to introduce this product to you in detail

Take "outwitting life" as an example.

Let's take a look at its financial management features first.

The main insurance of this insurance is universal whole life insurance, the main feature is that you are equipped with a universal account, that is, it has to deduct your initial fees and protection costs before starting to calculate interest, the specific increase is uncertain, Ping An will give you a guaranteed interest. What is the concept, the interest rate of Yu Bao is about now.

The specific initial cost and how much the guarantee cost is deducted, this is a little complicated, if you are interested, you can take a look at the original article of my evaluation:Is Ping's [Outwitting Life] Really Worth Buying? 》

Let's talk about its safeguard function.

There is no mild illness in the coverage of critical illness insurance, in other words. For example, if you have chronic kidney dysfunction, the insurance company will not pay a penny, and will not pay you until it becomes end-stage renal disease. Nowadays, critical illness insurance generally includes protection for minor illnesses, and some will also cover moderate illnesses and special illnesses.

Believe it or not:"Comparison Table of 136 Popular Critical Illness Insurance in China".

The water of universal insurance is very deep, if you don't particularly understand, it is not recommended that you buy universal insurance, because universal insurance is not universal. It is recommended that you honestly buy critical illness insurance, life insurance, etc., which are specifically designed for a kind of insurance that protects the reverse.