What is the Children s Education Insurance?

As a special type of children's insurance, each insurance company provides professional children's education insurance products. From the perspective of the protection period of specific insurance products, children's education insurance is mainly divided into lifelong and non-lifelong types. Among them, non-lifelong children's education insurance is generally a real "special fund" type of education fund products.

That is to say, in the return of insurance money, it is completely for the child's education stage, usually when the child enters high school, enter the university two important time nodes to start the annual return of funds, 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. Life-long children's education insurance usually takes into account the changes in a person's life, is returned every few years, cares for the child's life, can be used as education fund when the child is young, can be converted into a pension when he is old, share the long-term business results of the insurance company, and protect the inheritance of family wealth. <>

Children's education insurance is also known as education insurance. Also known as children's education insurance, it provides corresponding insurance benefits for the educational needs of children at different stages of growth. In addition to the education of junior high school, high school and university, the children's education insurance sold in the current market also includes entrepreneurship after joining the work, marriage and even pension after retirement.

"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. The function of compulsory savings Parents can choose the type and amount of insurance for their children according to their own 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. Education Grant Insurance has the function of insurance, which can provide protection for both the insured and the insured in terms of illness and accidental injury, as well as high disability.

Therefore, in the event of illness or accidental death and high disability, the insurance company will waive the premiums payable by the policyholder in the future, and the insurance contract is still valid. At the same time, education insurance also has the function of financial dividends. Able to resist the effects of inflation to a certain extent.

It is generally paid in multiple installments and has a relatively long payback period. There is a large difference in additional costs, so you must be well prepared. Children have different qualifications, and the related costs of the whole education process vary greatly, so it is better to prepare more than less.

There is no fee flexibility. The basic tuition fee for each stage is relatively fixed and these fees are the same for each student. <>

How old is the baby, how much is the budget, when to renew, etc.

Fortune Talent All-round Edition.

One policy, full protection.

Covering education, critical illness, medical treatment, and waiver, it solves the insurance needs of the growth stage in one stop.

Double the collection, intimate protection.

After the death of the policyholder, the growth care fund, education care fund, academic success fund, and family start fund will be doubled.

Grow up and educate for a long time.

3% of the sum insured is paid annually, 30% of the sum insured is paid annually for education and care for 15-24 years old, 30% of the sum insured is paid for academic success at the age of 30, and 100% of the sum insured is paid for starting a family at the age of 30.

The tiger mother chooses a 40,000 main insurance annuity for a 0-year-old boy, and also attaches 400,000 critical illness insurance, with a monthly premium of 1,721 yuan, and a total of 10 years of payment Each policy anniversary (including the expiration period), the child can receive 1,200 yuan of growth care fund;

If the tiger mother dies when the child is 11 years old, the remaining annual growth care fund becomes 2,400 yuan;

Children aged 15-24 can receive 24,000 yuan per year of education and care funds;

When the child is one year old, he can receive an additional 24,000 yuan per year for his or her studies;

If the child unfortunately has leukemia at the age of 20, no invoice is required, and a one-time compensation of 800,000 yuan will be paid after diagnosis;

Under the positive **, the child can survive safely until the 30th anniversary of the policy, and can receive a one-time payment of 80,000 yuan for starting a family.

Issue age. 0-14 years old (0 years old means 28 days old).

Basic sum insured. 10,000-200,000 yuan.

Payment method. Monthly and annual payment.

Payment Period. 10 years · Coverage period.

Up to 30 years old.

Only a small number of senior account managers have the right to sell, and they can directly contact 95511 to 4 to 3 to 9 to report the job number 1657619 to understand in detail.

Xueba says insurance, focusing on product evaluation! Recently, I often meet a lot of people asking about the education fund, since everyone has the same doubts, then I will tell you what the education fund is, what a good education fund looks like If you want to get more dry knowledge about the education fund, you might as well take a look at this article:Is Education Worth Buying?

Which education funds are recommended to buy? 》

Education is a type of financial insurance, and its highlights are:

Low risk and high security

Earnings have not changed much

However, there are also some drawbacks to the education grant:

Low yields。Booking earnings up to 3 4%, did not make a lot of money;

Poor liquidity。You need to pay on time every year for more than 10 years of the lock-in period.

Next, let's talk about the shining points of a good education fund

The predetermined interest rate is higher

The purpose of buying education funds is to ensure that the current money can be fixed and valued, and in the future, the education that is still there can be guaranteed. The higher the predetermined interest rate of the product, the higher the actual rate of return will be。Pay early, and in a lump sum, which is good for increasing your yield.

Matching education gaps

The agreed time for receiving the education allowance should be consistent with the period of high education costs.

For example, if you have a short-term education payment that lasts until your child goes to school, you can start receiving money when your child goes to college.

Summary. Dear, now answer the <> for you

Children's education insurance includes the following: 1. Hongkang Liduoduo increased life insurance: the biggest advantage of this product lies in two points, firstly, the insured amount increases every year, and the return on investment is fast; The second is that the insurance is abundant, with functions such as reducing insurance, reducing the amount of payment, etc., for example, if the child goes to college and other urgent needs for money, you can reduce the insurance, take out a sum of money and spend it first, and the remaining money in the account will not be delayed, and it will continue to grow.

2. PICC Life Insurance Excellence Jinsheng: This is a good start plan of PICC Life Insurance, which is the form of main insurance annuity + additional universal account, but PICC Life Insurance Excellence Jinsheng and bank deposits are not the same thing, and cannot be deposited and withdrawn at any time, and the money cannot be withdrawn in the first few years, and it will not be able to return to the principal until 7 years later, but the later income is relatively high.

What kind of insurance is available for children's education funds?

Dear, now answer the <> for you

Children's education insurance includes the following: 1. Hongkang Liduoduo increased life insurance: the biggest advantage of this product lies in two points, firstly, the insured amount increases every year, and the return on investment is fast; The second is that the insurance is abundant, with functions such as reducing insurance, reducing the amount of payment, etc., for example, if the child goes to college and other urgent needs for money, you can reduce the insurance, take out a sum of money and spend it first, and the remaining money in the account will not be delayed, and it will continue to grow.

2. PICC Life Insurance Excellence Jinsheng: This is a good start plan of PICC Life Insurance, which is the form of main insurance annuity + additional universal account, but PICC Life Insurance Excellence Jinsheng and bank deposits are not the same thing, and cannot be deposited and withdrawn at any time, and the money cannot be withdrawn in the first few years, and it will not be able to return to the principal until 7 years later, but the later income is relatively high.

Parent-child education** insurance is generally divided into two categories according to the protection time:1Lifetime Children's Education Insurance**

As the name suggests, the insurance period is lifelong, in addition to providing children with the education expenses required for the education stage, after the children enter the society, lifelong children's education ** insurance can also provide financial support for them, such as entrepreneurship funds, wedding funds, pensions. Generally speaking, lifelong children's education** insurance is returned every few years, and because of its long coverage, the premium will be slightly more expensive. 2.

Non-lifelong children's education insurance: generally only for the child's education stage to provide financial support, in the return of insurance money, mainly for children's education to set up, usually in the child to junior high school, high school or college in the more important education stages of the return of education funds, there are special characteristics, once the child no longer goes to school, into the society, the non-lifelong children's education insurance no longer provides financial support.

Hello! There are three types of children's education insurance, one is pure education insurance, the other is insurance for education funds at a certain stage, and the other is education insurance that provides survival insurance for children's marriage leave and entrepreneurship. How to buy children's education insurance?

1. Do what you can.

As far as purchasing an insurance policy is concerned, parents need to do what they can and the premium should not exceed 20% to 30% of the family income, otherwise there will be a greater financial burden.

2. Additional medical treatment.

For newborn babies, average-income families should be medically prepared for the baby. At present, most children's education insurance plans, as well as additional children's medical and accident insurance, can be considered.

3. Hurry up early, not late.

Generally speaking, it is most appropriate for parents to apply for insurance before the age of 5, because the earlier the insurance time, the more education funds accumulate, the lower the annual contributions, and the earlier the protection. For example, if you apply for the same insurance and pay the same amount every year, you will eventually receive twice as much education as you would if you were 6 years old.

4. Premium waiver is important.

Try to buy an education insurance product with a premium waiver clause so that even if the parent loses the ability to pay the premium due to a serious illness or accident during the payment period, the insurance contract will still be valid and the child's expenses for school will still be covered.

5. You don't have to buy whole life insurance.

If you pay the same premium, if you want to have both education and death functions, then the life insurance coverage period is longer, and the amount of education protection will be diluted. Generally, children's education insurance can be insured until the child reaches adulthood, and they can buy insurance according to their own financial strength and needs when they grow up.

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

Children's education funds are reliable, because the insurance contract is protected by law, as long as you understand the content of the contract and the specific benefits, you can buy it with confidence.

If you don't know if it's necessary to buy education funds, you can read this article:Is it necessary to buy education insurance? 》

Education fund is a kind of financial insurance that is highly respected by parents, and it has the following advantages:

Education funds are relatively safe and have a lower risk.

The income from education funds is relatively stable.

If you don't know how much money you can earn, I suggest you take a look at this article:"I don't know the income of education pension insurance, don't buy it blindly!" 》

But there are also some downsides to the education grant:

Low yieldsThe maximum predetermined income is 3 4%, and there is no way to earn much money from the education fund;

Poor liquidityThe education fund must be paid on time every year, and the lock-in period is as long as more than ten years.

What are the points to pay attention to when choosing a good education fund? It's class

The predetermined interest rate is higher

The greatest use of education funds is that they can increase the value of our current funds and ensure the children's future education. The higher the predetermined interest rate of the product, the higher the actual rate of return will bePay early, and in a lump sum, which is good for increasing your yield.

Matching education gaps

The period of high cost of education should coincide with the period when education funds can be paid.

For example, if you just want to ensure that your child goes to college, then choose to pay for a short period of time, and you can receive money for education when your child goes to college.

Are there any advantages and disadvantages of various education fund products? I believe this information will definitely help you choose the education fund of your choice:"Evaluation of the 8 Education Funds with the Highest Yield in 2020! 》

[Written at the end].

I am [Xueba Says Insurance], focusing on objective, professional and neutral insurance evaluation;

I will give you the most professional advice with years of experience in configuring insurance for 10w+ families.