When will I be able to get paid for my education insurance?

Education insurance is a kind of insurance with a savings nature, and if you want to receive money, you generally need to wait for the child who is the insured to become an adult.

It is not easy to buy a good education fund, and an insurance consultant who has been in the industry for more than ten years will teach you to choose the most suitable education fundShould I buy education money? How to choose the most suitable education fund? 》

As for the specific age, it depends on the terms and conditions of the product. After all, there are many education insurance products, and the regulations may vary for different products. If you want to know how old you can receive money for the education insurance you have purchased, you can check the insurance contract.

According to the market situation, most of the non-lifelong education insurance products on the market will start to return the insurance money when the insured enters high school or college, and will generally return it again when the child graduates from college or starts a business. Because the return of insurance money at such a time node is just enough for children to obtain stable financial support at an important stage of education.

As for lifelong education insurance products, because they will take into account growth and changes, they will usually be returned every few years, not only when the insured is young, they can receive money for education, but when they are old, they can also convert this money into a pension.

Mint Insurance helps customers solve their worries through a series of post-warranty value-added services such as policy trusteeship, claims assistance, and legal consultation. The high-quality service of the whole insurance process polished by Mint Insurance can truly save customers time, worry and effort in all aspects of insurance.

As far as I know, education insurance is generally paid for when children go to college, that is, after the age of 18.

Education insurance money, also known as education fund, is insurance for the purpose of preparing children for education**. Education insurance is a type of savings insurance, which not only has the role of compulsory savings but also has a certain guarantee function. Education insurance benefits are provided according to the educational needs of children at different stages of growth.

If you want to buy education insurance, you can consult Crystal Insurance, their education plan is to give children stable happiness and help relieve the pressure of parenting.

The full coverage of the four major plans of life is as follows:

1. Security planning: to care for the health of the whole family, he has a 1-to-1 customized family security plan;

2. Education fund planning: give children stable happiness and help relieve the pressure of parenting;

3. Pension planning: worry-free pension, and have money every year to maintain a young and decent life;

4. Asset allocation planning: smooth investment and financial management risks and make family finances healthier.

Mercury Insurance is an Internet insurance service brand under Golden Axe Group. They hold an insurance license issued by the China Banking and Insurance Regulatory Commission (CBIRC) and are committed to providing one-stop protection planning services to their customers.

Arnold answers: Hello!

The question of when you can receive the insurance money depends on the terms of the education insurance and the insurance contract you signed with the insurance company, and there is no unified answer. Taking the company's Guardian Future Education Annuity Insurance as an example, children from the age of 18 to 21 can receive 30,000 yuan of college education every year; Children between the ages of 22 and 24 can receive a further education fund of 60,000 yuan per year; When the child is 25 years old, he can receive a one-time maturity insurance benefit of 100,000 yuan.

There are several ways to receive education insurance:

1. From the date of payment, a certain amount will be returned every few years.

2. It will be returned annually from a specific point in time, such as from the time the child enters high school or college.

3. A one-time return at the agreed point in time, such as entering a university or graduating from a university, the details are subject to the terms of the insurance contract.

Extended Information:1Education insurance, also known as education fund insurance, children's education insurance, and children's education insurance, is insurance for the purpose of preparing children for education.

Education insurance is a type of savings insurance, which not only has the role of compulsory savings, but also has a certain protection function. There are mainly simple education funds, no guarantees, additional children's accident insurance after a certain period of deposit, and support for WeChat deposit at any time, etc., but the withdrawal period is the child's adulthood.

2.As a special type of children's insurance, various insurance companies provide professional children's education insurance products. From the perspective of the protection period of specific insurance products, education insurance is mainly divided into lifelong and non-lifelong types.

Among them, non-lifelong education insurance is generally a real "earmarked" type of education fund products. That is to say, in terms of the return of insurance money, it is completely determined for the child's education stage, usually when the child enters high school and university, the annual return of funds, to the child's graduation from college or entrepreneurship stage of a one-time return of a fee and account value, to help children in each important stage of education can get a stable financial support.

3.Life-long children's education insurance usually takes into account the changes in a person's life, it is returned every few years, caring for the child's life, and it can be used as an education fund when the child is young, and can be converted into a pension when he is old.

Share the long-term business results of the insurance company and ensure the inheritance of family wealth.

The love for children is unshakable and unbreakable. If the policyholder or the insured has a personal envy risk, it will have a significant impact on the family's finances, and it is likely that the child's insurance plan will not be completed on time and in good quality.

Operating environment: mobile phone model OPPO R15

Summary. 5. Select the policy and follow the system prompts.

2. Log in as an individual;

3. Click [Insurance] - Personal Life Insurance - Policy Change Service - Capital Wealth Management - Partial Collection of Policy Value];

4. Enter the amount to be claimed;

6. After the verification is completed, you can withdraw the money.

How to receive the education fund of Ping An Insurance.

1.**And log in to the Ping An Gold Butler app; 2.Click [Policy Service] on the homepage of the Golden Butler app; 3.Click [All] in the common service area; 4.Click [Partial Collection] under the fund management category;

5. Select the policy and follow the system prompts. Of course, the policyholder can also log in to the official ** of Ping An One Account to receive it, and the collection process is as follows: 1. Search in the search engine and enter the official ** of "Ping An One Account"; 2. Log in as an individual; 3. Click [Insurance] - Personal Life Insurance - Policy Change Service - Capital Wealth Management - Partial Collection of Policy Value]; 4. Enter the amount to be claimed; 5. Customers with advanced authority enter the verification code for verification, and customers with non-advanced authority go to Ping An Gold Butler for verification; 6. After the verification is completed, you can withdraw the money.

<>After the education ** insurance is fully paid, the money can be withdrawn in the following ways:

1.You can bring your education** insurance policy, ID card and bank card to the insurance company's offline service outlets to go through the collection procedures;

2.You can ask the insurance salesman to go through the collection procedures;

3.You can hand over the education insurance policy, a copy of the policyholder's ID card and a copy of the bank card to the insurance salesman, who will handle the collection procedures on his behalf;

4.If a bank card account is provided at the time of application, the insurance company can be asked to directly transfer the money into the bank card account;

<>4.Click on "Partial Claim";

In the "Receiving Money" section, you can see the "Partial Collection", click to enter and select the education ** insurance policy, and fill in the information according to the requirements of the page to receive the hail to receive it.

The above steps are operating in the operating environment:

Phone model: Xiaomi 12

System version: MIUI 13

The premiums paid and the time available for different education insurance are different, so you need to read the terms of the insurance clearly when choosing.

1. Problems that need to be paid attention to when buying education funds.

1. Check whether there is any exemption from liability of the policyholder.

When purchasing education insurance, you must pay attention to whether there is an exemption from the policyholder, whether it is basic liability or additional liability.

Because the child is financially incapacitated, if the parents are unable to continue paying the premiums for some reason, then the policy will lapse.

If the policyholder is exempt from liability, there is no need to worry that the child will not be covered because the parent is unable to pay.

2. First configure the protection of the year-old insurance.

What children need most is protection insurance, and only when the protection is done well, education insurance will play a greater role.

If you can't configure filial piety insurance for your children because you consume too much money to buy annuity insurance, it is a bit of putting the cart before the horse.

3. Plan carefully and give full consideration.

Education Prudent Insurance pays more premiums, and once the policy is surrendered, the loss is relatively large. Therefore, before deciding to buy insurance, you must first make a long-term plan and fully consider it before buying.

Second, the dad summary.

In general, education insurance can indeed play a certain role in children's growth, but the role is not as big as imagined, at most it is icing on the cake.

Dad still thinks that after building a good security system for his children, he should consider configuring education insurance.

How to buy education funds for insurance, Wu or should pay attention to three aspects.

1. Education funds should be reserved as soon as possible, which can reduce the financial burden of families on children's education expenses, and at the same time ensure that children can receive a better education.

2. There should be a clear financial goal, that is, at what age the child needs to spend as education support, when these expenses need to be obtained, etc.

3. Choose an insurance product with an exemption clause. The waiver clause in the children's education insurance stipulates that if the insured has an accident or loses the ability to pay for any reason during the contract period, the unpaid premiums can be waived, and the insurance protection for the insured person is still valid.

Test your anti-risk index, experts will interpret it for you for free!

Education is a type of pension insurance that prepares children in advance for future education expenses. There is a lot of education money on the market, how do we buy it? We start with the characteristics of the education fund.

The education fund has the characteristics of compulsory savings and stable returns. The advantage is that it can lock in long-term gains for at least twenty years in the future, without having to bear the ups and downs, and has high security. However, before allocating education funds, you must ensure that your child's personal security is sufficient, as for why this article tells you the answer:

How to buy insurance for my child? Netizens shouted: Why do you only see it now! 》

Through the compulsory savings function of the education fund, we can start to receive money at a specified time, which can help us to save a sum of money compulsorily, appreciate it steadily, and maintain continuous cash flow income.

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

Low yields

The maximum predetermined income is 3 4%, which shows that the education fund cannot make a lot of money. If you're looking for higher yields, take a look at these 10 products:

New! The 8 education fund reviews with the highest yields in 2021 are here! 》

Poor liquidity。The education fund is locked in for more than 10 years, during which you need to pay on time every year.

How to buy good education insurance? Let me tell you about it

The predetermined interest rate is higherThe greatest use of education funds is that it 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 be. A lump sum is more conducive to increasing your yield.

Matching education gapsThe agreed time before receiving the education allowance should be consistent with the period of high education costs.

For example, if you only want to ensure that your child goes to college, then you can choose a short-term payment to receive money for education at university.

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

[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.

Education insurance is useful because after purchasing education insurance, the insurance company will return the insurance money as scheduled as soon as the time agreed in the contract arrives, and this money can be used for children's further education or entrepreneurial funds. Education insurance is a type of savings insurance, and it also has certain protection functions.

Education insurance products.

1. The education insurance for children usually has the function of premium waiver. "Premium waiver" means that when the parents of the insured child suffer an accident and die, become totally disabled or suffer from a critical illness, the insurance company will approve that the child will not have to pay the remaining premium, the insurance contract will be valid, and the child can still have protection.

2. Generally, the education insurance for children has the function of compulsory savings. Parents can choose the insurance plan and the amount of insurance they need to pay according to their own expectations for their children and the level of education that their children are likely to receive in the future. Once you start your plan, you must deposit the agreed amount every year to ensure that the storage plan runs smoothly.

3. Some education insurance products will have the function of dividends. Children's education insurance can protect against the burden of inflation to some extent. It can be paid in multiple installments, so that the payback period will be relatively longer.

Many education insurance schemes are paid annually or every few years. Some education insurance products are received in a lump sum, and many of the return time is when the child graduates from college or high school.

Other insurance questions can be consulted.

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