How much does education insurance pay in total, and how much does education insurance generally cost

Hello! The biggest advantage of buying education insurance for children in advance is that it can be mandatory to reserve education funds for children, and education insurance is the most professional of all education fund reserve tools, it can not only reserve education funds for children in stages, but also take into account certain basic personal accident and health protection functions, and at the same time can be attached to the insurance exemption function, if you purchase education insurance with additional insurance exemption function in advance, In the event that the child's guardian is unable to continue to pay the premiums due to accident or illness, the policy can continue to be valid to ensure that the child can complete his or her studies normally.

The annual premium of education insurance generally starts from 3,000 yuan, and can reach up to 100,000 yuan a year. Generally speaking, the higher the education insurance premium, the higher the amount of compensation, but it is important to remind everyone that it is best not to put a lot of pressure on the original family life because of the premium.

An insurance consultant who has been in the industry for more than ten years will teach you how to choose the most suitable education fundShould I buy education money? How to choose the most suitable education fund? 》

Basic Functions of Education Insurance:

1. "Premium Waiver" function

The so-called "premium waiver" function means that once the insured parent suffers misfortune, death or total disability, the insurance company will waive all outstanding premiums, and the children can continue to be protected and supported.

2. The function of compulsory savings

Parents can choose the type and amount of insurance for their children according to their expectations and the level of education of their children in the future, and once they have established an education insurance plan for their children, they must deposit an agreed amount every year to ensure that the savings plan will be completed.

3. It has the guarantee function of insurance

In the event of illness or accidental death and high disability, the policyholder will not be able to save the child's education fund and premiums, and the rights and interests that the policy should have enjoyed remain unchanged, and the child can still be provided with the cost of future education.

4. At the same time, it also has the function of financial dividends

Able to resist the effects of inflation and interest rate fluctuations to a certain extent. It is generally paid in multiple installments and has a relatively long payback period.

Mint Insurance is an insurance consulting platform, the platform butler provides one-to-one full service before and after insurance, and responds to your needs in a timely manner.

The question of how much money you need to pay for children's education insurance in a year mainly depends on the age of the child, the payment period of the product, the scope of coverage, the amount of insurance and other factors. Under normal circumstances, children's education insurance only costs a few hundred yuan per month, that is, only a few thousand yuan a year. However, children's education insurance is a long-term insurance, which has been paid for more than ten years, and the accumulated premiums are higher.

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

The annual premium of education insurance generally starts at 3,000 yuan, and the annual payment for low-grade insurance is about 6,000 yuan; The mid-range annual payment is about 12,000 yuan; The annual premium of high-end can reach 100,000 yuan. However, the higher the annual premium for education insurance, the better, and it is best not to put a lot of pressure on the original family life because of the premium.

Basic features: 1. The special fund is destroyed and destroyed.

Yu Pei should set up a special account for children's education, just like a personal pension account is used for retirement planning; The housing provident fund account is used for house purchase planning, and only in this way can it be used for special purposes.

2. There is no time elasticity.

Children are required to attend school at a certain age (e.g., elementary school at around the age of 7 and university at the age of 18) and cannot be postponed because there is not enough tuition.

3. There is no fee flexibility.

The basic tuition fee for each stage is relatively fixed and these fees are the same for each student.

4. The total cost of holding the sliding posture is long, and the total cost is huge.

The total amount of continuous education expenses for children from childhood to adulthood for nearly 20 years may be more than the cost of buying a house.

5. Phased high expenditure.

For example, in college education, the average child is 20,000 yuan per year, and it is 80,000 yuan in 4 years; The total cost of studying abroad is more than 300,000 yuan. These fees have a short payment period and high payment costs, which require advance financial preparation.

6. The gap between the additional costs is large, and it is necessary to prepare sufficiently.

The children's qualifications are different, and the related costs of the whole education process vary greatly, so it is better to prepare more than less. <>

Hello! Whether it is cost-effective to buy education insurance depends on whether you are suitable for buying education funds.

If you want to know if you are suitable for education insurance, you can click to make an appointment for 1-to-1 insurance planning service.

Navy Paula. An attentive insurance broker will provide you with professional advice.

Generally speaking, the earlier the education fund is bought, the sooner the child enjoys the protection, and the age limit of the education fund is generally 30 days - 17 years old.

There are two reasons to buy an education grant:

1. Deal with deposit risks.

Some families are not very good at managing their finances, and sometimes because of certain things, they will spend their savings for many years, and they have no savings when facing their children's education.

Buying an education fund can avoid this from happening, because the education fund has the effect of forcing savings, and this money can help you in the case of education money, and reduce the pressure at that time.

2. Deal with investment risks.

Educational metals play a role in low-risk, low-return financial management. If you buy an education fund, it will not affect the cost of your child's education because of the failure of investment in other aspects.

If you have all the other protection insurance plans and have a spare amount of money that you don't need for a long time, it is worth buying an education fund. On the contrary, if you buy education funds first or cannot meet the long-term education premiums, there is no need to buy education funds.

Deep Blue Jun still suggests that the protection insurance should be fully configured first, and then consider this kind of financial insurance.

The education fund is not measured by whether it is cost-effective or not, it has different effects on different families, so there is no need to buy the education fund. Education insurance, also known as children's education insurance, is for the purpose of preparing children for education, with the role of compulsory savings and a certain protective effect, and the children at home can be called "gold swallowing beasts" in the education stage, and will spend a lot of money, so there are children at home or plan to have children, it is very necessary to buy education funds.

Now the society is constantly developing, the academic qualifications, quality and skills are getting higher and higher, the cost of primary and secondary school may not be very high, after all, there is the country's compulsory education support, but the cost of extracurricular education is high, if their children go to high school and the poor grades can not keep up, want to take an ordinary undergraduate exam is a little difficult, at this time children in order to catch up with the pace of classmates, extracurricular cram schools are indispensable, and cram schools are very expensive, it is possible to spend thousands of yuan a month. In addition to grades, want children to have a skill, extracurricular interest classes are indispensable, ask a teacher to spend thousands of dollars, wait for the university, the school's education costs are coming, public schools a year tuition thousands, private tens of thousands, in addition to the child's living expenses, a month of lower expenses have to 1500, so that a comprehensive calculation, you know that the child's education needs a huge amount of money, in order to let the child not stagnate at a certain stage, the cost of education needs parents to save a sum of money to stabilize expenditure, Parents who are not particularly strong in self-control want to deposit money in the bank, combined with the cases around me basically can't save, if you use money to buy savings insurance, the flow of funds is weak, and the child can not take it out in time when he needs money.

There is an age limit for education funds, generally speaking, it is difficult to purchase education insurance after the children are eleven or twelve years old.

If you want to buy an education** but don't know how to plan it, it is advisable to consult a relevant professional with their assistance to avoid mistakes.

Whether it is cost-effective to buy education insurance depends on which product it is and the content of the protection provided. Because the content of the protection provided by different education fund products may be different, it is necessary to look at the specific content of the insurance before proceeding to the next step of analysis.

If you don't know what education fund to buy, it is recommended to learn about "Jinzhi Qihang Education Annuity Insurance (Internet)". The information about this product, the senior sister has been sorted out in this article, and friends in need can click here to receive: Is Hengan Standard Jinzhi Qihang Education Golden Annuity Insurance worth buying?

These points must be noted.

In order to facilitate everyone's understanding, let's introduce this product below.

Let's take a look at its security map first:

1. The payment period is flexible.

As can be seen from the figure above, the payment period of Jinzhi Qihang Education Golden Annuity Insurance (Internet) is relatively flexible, which not only supports single payment, but also sets up 3 different annual payment periods.

Considering that parents have to bear both the financial expenses of the family and the education fund for their children, it is more appropriate to choose a longer payment period if they are worried about financial pressure.

Because all other things being equal, the longer the payment period, the less premium is required each year, and the pressure is not so great.

If you don't know which payment period is right to choose, you can also take a look at this article: How to choose the payment period so that you won't lose?

2. Analysis of guarantee content.

The protection content provided by Jinzhi Qihang Education Annuity Insurance (Internet) is very rich, including university education fund, further education fund, death insurance benefit, and maturity insurance benefit.

The period between the ages of 18 and 24 is the period when most children are in college and graduate school, and the income from university education and postgraduate education can be used as a way to spend on children's education.

At the expiration of the insurance period, you can also receive a maturity insurance payment, which can be used as a child's start-up capital or marriage expenses, which is also more appropriate.

The above is all about the problem, in general, the performance of Jinzhi Qihang Education Golden Annuity Insurance (Internet) is still good, and it is worth choosing.

But if you're still not satisfied, you can also take a look at this list compiled by the senior sister, which is all products that are currently performing well: the latest! The 8 education fund reviews with the highest yields in 2023 are here

Therefore, before deciding to buy insurance, you must first make a long-term plan and fully consider it before buying.

To sum up, Daddy suggests that if conditions permit, you can configure it as soon as possible, which means that if the protection period is long and the cycle is long, you can save in advance to reduce the burden of expenses. Especially for long-term education funds, the sooner you buy them, the better the returns.

Education insurance has both savings and protection functions, different insurance companies launched education insurance premium standards are different, how much to pay each year can also be determined according to the policyholder's own needs and economic conditions. It is understood that the annual premium of education insurance generally starts at 3,000 yuan, and the annual payment of low-grade insurance is about 6,000 yuan; The mid-range annual payment is about 12,000 yuan; The annual premium of high-end can reach 100,000 yuan. However, the higher the annual payment of education insurance, the better, and it is best not to cause great pressure on the original family life because of the premium.

Education insurance is to escort education, I think it is still very cost-effective, Ant Insurance is 1,000 yuan a year.

Education pension is a concept in insurance, and its essence is actually an annuity insurance. Is it cost-effective to buy education insurance? The advantages of Ant Million Medical Insurance are still very obvious, for example, his premium is very low, and his premium only needs to be paid about 130 yuan a year.

It is for the education of children at different ages, which needs to be provided**. It mainly depends on what type of education you buy**, and the basic insurance premium is more than 900 yuan.

First of all, it should be reminded that the annual premium standard for children's education insurance products of different insurance companies is different, and it is recommended to consult the insurance company!

Secondly, after parents buy a children's education insurance for their children, they must insist on paying premiums for their children every year, which is the most basic condition, so many parents will continue to compare when choosing children's education insurance for their children, and then decide to buy the right type of insurance. Nowadays, the value of children's education insurance is constantly changing with the scope of its coverage, so be cautious before buying.

Ms. Wang, from Beijing, had made a mistake in the past by purchasing an unsatisfactory children's education insurance for her child. At that time, the child had just turned 5 years old, and Ms. Wang went to the insurance company to buy children's education insurance, because I heard from a friend that it was the most cost-effective to buy children's education insurance when the child was 5 years old, and the children's education insurance also had some medical insurance, which could protect the child's health, which was a good thing to kill two birds with one stone. But later, after the child had an accident, Ms. Wang was ready to go to the insurance company for reimbursement, only to find that the children's education insurance she bought was the cheapest one, and did not include additional medical insurance, etc., because of this, the child's medical expenses and so on could not be reimbursed, Ms. Wang could only blame herself for not seeing the insurance coverage of the children's education insurance clearly, and let herself make a serious mistake.

So, it can be seen from this. The amount of the children's education insurance is determined by the coverage of the chosen plan. Parents need to "think twice" when buying!

When parents buy children's education insurance, they will inevitably pay great attention to the ** of children's education insurance, because the economic conditions of each family are different. Only pay attention to children's education.

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