How to distribute dividends in the children s education fund

Hello. There are two ways to pay dividends:

One is the American dividend, that is, according to the cash value stated in the insurance contract when you apply for insurance, the characteristics of this dividend are that you can receive the annual dividend in cash, you can also submit the premium or you can buy the increase insurance, or you can take the annual dividend as a cumulative interest, and receive it in a lump sum when you need to receive it. The insurance company will pay dividends to customers at the rate of 70% of the distributable surplus every year.

There is also a British dividend, that is, according to the amount of insurance when you apply for insurance, the characteristic of such dividends is that you cannot receive dividends, but can only increase the amount of insurance on the basis of the basic insurance amount, that is, the amount of insurance increases, which is commonly known as the insurance that will grow up. This kind of dividend is relatively high, and the dividend base is relatively high, and there are more people to receive later, and at the same time, in addition to the annual dividend according to the insured amount, the British dividend policy also has a final dividend. The final dividend is an additional dividend given by the company at the end of the insurance period or the death of the insured.

According to the British dividend insurance product, the insurance company will pay 70% of the distributable surplus to the customer as a dividend every year, and at the same time, it will also give the customer a dividend of 70% of the undistributed surplus in the future (i.e. the final dividend).

Depending on what dividends are taken by the insurance you purchase, each insurance company will have a different dividend plan.

Dividend distribution method:1Cash Dividend Method (American Dividend) 2Example of Incremental Dividend Method (English Dividend): Is Participating Insurance Risky? Could it be that the insurance company didn't make any money and didn't even return my principal?

Answer: Two parts of the income of the participating insurance: 1

Fixed income, which is received on a contractual basis. 2.Floating dividends, insurance companies take at least 70% of the profits to dividends, theoretically it can be zero, but in practice every company has it, the relatively low level is 3%.

Rest assured, the CIRC pays close attention to the dividend interest rate of each company, and once it is very low, there will be measures.

Dividend insurance is risk-free, the insured amount is fixed, there is a fixed income at maturity, only the dividend is not fixed, which is determined according to the company's operating conditions. However, our company's dividends have been leading in the industry for more than 10 consecutive years.

First of all, if you take the question of the subject, you can buy a dividend-paying children's education fund. For those who are not familiar with education fund insurance, you can read this article first in order to better understand the following:A must-read for parents:

Is it necessary to buy education insurance? How to choose the right product?

Nowadays, the cost of raising children is getting higher and higher, especially when it comes to the cost of education. Configuring education insurance for children and planning for education funds in advance can well avoid regrets for children's education due to insufficient funds. Therefore, it makes perfect sense to have an education insurance policy for your child.

However, it is worth noting that the dividend part of the participating children's education insurance is directly related to the actual operation of the insurance company's dividend insurance business, but we cannot advance the actual operation situation, so the amount of dividends is not certain, nor can we guarantee that we will be able to obtain considerable returns. At this point, you must weigh it carefully before applying for insurance to see if it is acceptable before making a decision.

Finally, the senior sister reminds everyone that before configuring education insurance for children, it is best to equip children with protection insurance such as critical illness insurance and medical insurance. Because the protection function of education insurance is weak, it cannot well transfer the economic losses caused by risks such as diseases. Parents who are not sure how to allocate insurance for their children can refer to this article:

In-depth article - how to buy insurance for children? Netizens shouted: Why did you only see it nowHope!

Arnold answered:

Hello! Children's education is a big investment, going to elementary school, junior high school, high school, university, and even studying abroad, the economic investment during this period is not a small burden on an ordinary family. In this regard, Xiaonuo recommends that you purchase the Guardian Future Education Annuity Insurance (Participating) Plan, which can not only receive 8 consecutive years of education funds, but also protect 30 critical illnesses, and the remaining premiums can be waived for critical illnesses, and there are additional dividends to resist inflation.

Education is a top priority in a child's development. However, rising tuition fees have put a lot of pressure on parents. Therefore, if the financial conditions allow, it is necessary to take out children's education participating insurance for children.

One of the major functions of children's education participating insurance is compulsory savings, with a partial protection function and a small part of the value preservation function. Therefore, parents should regard education dividend insurance as a means of compulsory savings, rather than simply as an investment tool. When parents buy, they can compare which insurance product has higher protection and better income when the cost and term of the two products are the same, which is often referred to as cost-effective.

As a general rule, the total cost of premiums for the whole family should not exceed 10% of the household income.

At present, most of the children's education participating insurance provided by insurance companies on the market are both comprehensive insurance, that is, whether the insured survives or dies during the insurance period, he can get the insurance money paid by the insurance company, so the protection cost of the policy needs to be considered when considering the income of the insurance. In addition, because the interest rate on bank deposits has been raised recently, the income of the policy may not be ideal, in this case, if you buy children's education insurance, you should give priority to the product with the dividend function, so that even if the market interest rate is adjusted or fluctuates, the insurance company can flexibly adjust the dividend of the insurance to ensure the maximum interests of customers.

Finally, parents are reminded that although most children's education participating insurance plans have some protection functions, such as illness protection or accident protection. But the protection is relatively small. Therefore, parents should not be less basic before investing in the education dividend guarantee for their children.

With the continuous improvement of people's awareness of insurance, more and more parents choose to buy insurance for their children, among which children's participating insurance has received widespread attention. In order to improve the overall protection of your 3-year-old child, it is necessary to enroll them in the appropriate child participating insurance in a timely manner. Is Child Participating Insurance Reliable.

In addition to protecting children from the risks of illness, disability, death and other risks that children may encounter in the process of growth, this kind of insurance can also be used to share various expenses such as children's education, marriage, and entrepreneurship, so it is necessary and reliable to buy children's dividend insurance for children. If you are worried that the child participating insurance you purchased is unreliable, then it is recommended to buy it through the formal insurance platform as much as possible, through the purchase of child participating insurance not only has a large choice, but also enjoys the whole process of assisting in the claim settlement service in the later claim, so once you buy it will have no worries. Before applying for insurance, you need to pay attention to the following points:

1.Children's participating insurance covers a wide range, mainly including endowment, education, death protection, etc., and policyholders must choose corresponding products according to their own needs.

2.Since the rate of return of children's dividend insurance cannot be fixed and quantified in advance, the demo interest rate of the product is only used as a reference, so the policyholder needs to know more about the intended insurance company, including the company's operation, industry evaluation, past dividend level, investment and management style, professional degree of people, company service level, etc.

3.The policyholder should choose the appropriate payment method and future dividend payment method according to the current and future cash flow needs. At present, there are two main ways to pay dividends, one is cash dividends and the other is the sum assured dividend.

If you are not in a hurry to withdraw the dividends, you can choose the insured amount of the participating product to increase the amount insured; If you have a need for cash, you can choose cash dividend products, which are more flexible. To buy child participating insurance for your 3-year-old child, you need to choose a professional insurance platform. It is the largest insurance e-commerce platform in the country, which will provide you with more insurance options.

Sunshine Journey Education Benefit Plan (Participating Type) Coverage Content: *Junior High School, High School and University Education Benefit Optional*Death Benefit*Unique High Incidence Illness - The minimum monthly cost of insurance sickness protection is 100 yuan.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Hello! Children's education dividend insurance actually refers to the education fund insurance of the split type of red, which focuses on compulsory savings, and has a partial protection function and a small part of the value preservation function. In addition, if parents insure their children with children's education participating insurance, when the market interest rate is adjusted or fluctuates, the insurance company can flexibly adjust the dividends through the insurance to ensure the best interests of customers.

Relevant professionals can be consulted.

Dividends are dividends paid by joint-stock companies to investors every year according to a certain percentage of the ** share in the profits. It is the return on investment of listed companies to shareholders. Dividends are a way of earning shareholders by withdrawing the statutory provident fund, community chest and other items according to the regulations.

Usually, shareholders will continue to invest in the company after receiving dividends to achieve compound interest.

Participating insurance not only takes into account the protection function, but also can resist inflation to a certain extent, killing two birds with one stone, and is popular with many families. At present, many insurance companies have launched children's dividend education funds to protect children's education while enjoying dividends.

1. First of all, according to the age and education of the child, choose the insurance amount and the return time of the education fund.

2. Most children's education insurance includes protection responsibilities such as illness and hospitalization, and parents can choose products according to the specific needs of their children. It is best to include university education funds, further education funds, and financial support during entrepreneurship or marriage, and at the same time have a premium waiver function, which can protect children to 25 years old, receive money for 7 consecutive years, and include dividend functions, an insurance, and multiple incomes.

3. Finally, it is reminded that the dividends of children's dividend education funds are uncertain, cannot be fixed and quantified, and should be determined according to the operating conditions of the insurance company. The demo interest rate of the product can only be used as a reference, so parents need to analyze the interested insurance companies and products to understand the company's creditworthiness, operation, dividend level, service level and other relevant information.

If necessary, we are willing to help you complete the application and make a suitable plan.

Hello, I am the first person of Ping An Insurance Company, to buy education funds for children, the main thing is to 1, choose a company, the strength of the company means that the level of dividends will continue to be stable if the company is good! 2. Choose a good person, the design of each policy is designed by the person through your purpose of purchasing this insurance, then choose a good person, who will design your insurance plan for you intimately and take care of the policy for you on a regular basis. An insurance policy is to accompany the child's growth for a lifetime, so it is very important to choose a good person!

3. Choose products, about products, there is no best, only the most suitable! Ping An dividends education funds, recommend Xinli or Xinxiang + high school education + university education fund combination or Century Angel.

Learn more about Yes or 18604425229

What are the classifications of education insurance? From the perspective of product warranty period, it is mainly divided into life-long type and non-life-long type.

1. Non-lifelong education fund insurance.

Generally, it belongs to the real "special funds" type of education insurance products, that is to say, in the return of insurance money, it is completely determined for the child's education stage, usually in the child enters high school, into the university two important time nodes to begin to return the funds every year, to the child's college graduation or entrepreneurship stage one-time return of a fee and account value, to help children in each important stage of education can get a stable financial support.

2. Life-long education insurance.

Lifetime education insurance will take into account the changes in a person's life, and will involve all aspects of the child's life at all stages of life. Education insurance is only one of the issues to consider.

At present, most children's education insurance also adds various types of children's medical and accident insurance, which can solve children's worries and arrange protection matters while planning for future education needs. In addition to providing protection for children, it can also provide a premium waiver function, which can be waived when the parent has a critical illness or dies, and can still meet the education reserve plan.

Hello, who else knows about these problems except insurance professionals? In fact, financial insurance, can not help us make money, can only ensure that today's 100,000 yuan to the next 10 years, 20 years later there is now the purchasing power, the second point is forced savings, the rate of return of each insurance company is about the same, there is not much difference, each product of the insurance company is strictly reviewed by the Insurance Regulatory Commission to be listed in the country, in short, no matter how it is calculated, no matter how it is returned, financial insurance can only protect our money from being lost, to resist inflation, But it is absolutely safe, if you choose an insurance company with a little strength, you can only say that the dividend will be a little more, thank you.