My daughter is almost 5 years old, and I plan to buy her an education insurance

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How to buy insurance for your child

First, you must apply for the country's medical insurance!

Neonatal medical insurance (medical insurance for urban and rural residents) is the basic national insurance, and the child should be handled immediately as soon as he is born, whether it is a major illness or a minor illness, the basic medical insurance is particularly important, which is why medical insurance is called the first type of national insurance.

Second, in addition to the basic insurance of national medical insurance, commercial insurance should also be considered, and critical illness insurance + medical insurance + accident insurance should be given priority.

First of all, critical illness insurance, which provides a relatively long period of protection. In addition, critical illness insurance can directly pay a large amount of cash after getting sick, in addition to solving the best expenses, it can also solve many hidden problems caused by illness, such as delaying homework because of illness, all need money, after all, as the saying goes, money is not everything, but no money is absolutely impossible. Buying a pure protection critical illness insurance can just solve these problems in the future.

Let's talk about medical insurance, which can be used to reimburse the medical expenses of children's usual medical treatment, for example, with a 0 deductible hospitalization medical insurance, with an annual premium of 1,200 yuan, you can buy an insurance amount of 10,000 yuan, which is very practical.

Finally, let's talk about accident insurance, it is very cheap for children to buy accident insurance, 200,000 yuan per year is only sixty or seventy yuan, don't look at the cost is not much, but there is a lot of protection. Accidental death, disability and accidental medical liability of the child can be covered, and it is very cost-effective.

Third, what insurance should not be bought for children?

Don't buy life insurance for your children, and try not to choose critical illness insurance with both. I know the specific reasons in this articleHow to buy insurance for your child without being cheated? This guide tells you!

has been introduced in detail, because there is already a detailed analysis in the manuscript, so I won't spend too much space here.

According to the idea I gave you to configure insurance, if it is for the child to configure regular protection, you can get it for a thousand yuan a year, if you buy lifelong protection, it is only two or three thousand per year, which is very cost-effective.

That's all for me"My daughter is almost 5 years old, and I plan to buy her an education insurance"All of them, I hope it helps you! Hope!

I think the education insurance of China Merchants Cigna is good, and this year I bought its baby Qihang education fund product for my son, and he can receive money at the age of 15, and he can receive it until he is 25 years old. In addition, there is a critical illness benefit, and the remaining premium can be waived if the agreed critical illness occurs during the policy term.

Jilingtai two songs, the second (Zhang Hu).

Education is a type of pension insurance that prepares children for their future education**. There are countless education funds on the market, how to buy the right one? Share this year's latest education fund evaluation information for your reference before buying:

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

We have all heard that no matter how hard you are, you can't be miserable for your children, and no matter how poor you are, you can't be poor in education. This is a necessary thing: plan ahead for your child's education.

Is it necessary to buy education funds for children? If you're in a hurry, you can read this article directly::Parents must read:

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

After comparison, there are the following conclusions:

1. The highest flexibility: Kangtai Life's universal insurance.

The payment method of national insurance is highly flexible, you can choose to pay weekly or monthly, and you can add insurance at any time during the payment process. However, its IRR yield is only, and the level of these four can only be regarded as ordinary.

2. The highest rate of return: Xinmei is up every day.

The flexibility of daily upward is not as good as universal insurance, but the yield is the highest among the four. Moreover, it is worth noting that the predetermined interest rate of Xinmei Mutual has reached every day, and it is currently the product with the highest predetermined interest rate.

In fact, the essence of education is annuity insurance, which is an annuity that supports education expenses, in addition to the above four education annuity insurance, there are other annuity insurance worth buying can also be regarded as an option.

Products such as education funds have low protection functions and are not recommended as a protection option for children's growth. If you really want to buy it, you should also consider it after configuring a protective insurance product for yourself and your children.

5-year-old children should generally have school insurance, it has accident and hospitalization protection, and at the same time, whether there is urban residents' medical insurance or NCMS medical insurance, because these are the most basic medical insurance, there must be!

With the above basic medical protection, it is better to buy some additional commercial insurance critical illness insurance and rebate financial products! Ant Sakura Kei.

Does the child have social health insurance? If not, it is recommended to improve the child's social medical insurance first, give the child a basic medical protection, and then consider commercial insurance, social security is the foundation, commercial insurance as a supplement, both are indispensable.

The order of insurance for children's science is: critical illness, hospitalization, accidental injury, and education fund.

To buy insurance for minors, the main choice is to buy commercial insurance such as student insurance, accident comprehensive insurance, and lifelong or term health insurance. If the child is too young, some insurance products you want to buy for your child may be restricted by some policy regulations, so you can buy a little less health insurance for your child first, and if possible, you can add a hospital allowance insurance or hospital medical insurance.

In addition, you can also consider buying a children's hospitalization mutual aid fund (about 40-50 yuan per year) for your child at the social security bureau or neighborhood office, so that the child's protection in terms of medical insurance will be improved. When your child is a little older, buy him some insurance that suits his needs.

The former saying was: life, old age, sickness, death! Today, it should be rewritten: life, sickness, old age, death! The biggest risk in life is accidents and illnesses, and I hope everyone can be happy and healthy until they are old!

In the Healthy Family Ode, you should buy insurance for the breadwinner first, then the children and the elderly. Before buying insurance for your child, check to see if your coverage is well established!

The order of insurance purchased is accidental injury, medical treatment, critical illness, then dividends, education insurance, etc.

Buying insurance is about 20% of your annual income.

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

With the improvement of living standards, parents pay more and more attention to various things for their children's growth and want to give them the best. Education insurance is a type of insurance that provides education insurance for children, and is a certain educational guarantee for children at different stages of growth. Today, my dad and everyone will analyze how about education insurance, whether it is worth buying.

1. Is education insurance worth buying?

Education fund is a kind of savings insurance, the purpose of which is to prepare children for education**, so it has the role of compulsory savings, but also has a certain protection function.

There are many types of education insurance, and there are two main types according to the duration of coverage, namely long-term and short-term.

The long-term type can be used not only as an education fund, but also as a pension for the child's future.

The short-term type, on the other hand, is more pure, and is generally aimed at the adolescent and childhood periods, and is used for the expenses of the education stage.

Compared with bank savings, education fund insurance has certain advantages, and education funds can save a sum of education** for children according to the plan, and at the same time get a guarantee.

Therefore, the dad thinks that the education fund is worth buying.

If the family can afford it, buying for your child as soon as possible can help you plan ahead.

2. What should I pay attention to when buying education funds?

1.Protect before you manage your finances.

One of the most important principles of buying insurance is that protection comes first.

Before you consider purchasing education insurance, you must first have medical, critical illness and accident protection.

Some parents do not hesitate to spend a lot of money to buy education funds for their children, but they ignore the basic protection and put the cart before the horse in the function of insurance, which is not advisable for the father.

2.Adults before children.

When it comes to becoming parents, parents tend to focus on their children.

However, parents are the best umbrella for their children, and if parents don't have insurance when they need it, what will happen to their children's future?

Therefore, no matter what the budget is, you should first equip yourself with protection, and then gradually configure it for your children.

3.Premium waiver.

When choosing education insurance, you should pay attention to whether the product has a premium waiver liability, and if so, Daddy recommends adding it.

In this case, if the parent is unable to renew the fee for some reason, it will not affect the child's protection.

4.Be aware of liquidity risk.

Education insurance has a natural flaw, that is, it is relatively illiquid, unlike bank savings that can be deposited and withdrawn.

Moreover, the premium of education is generally relatively high, and once insured, you need to pay the premium regularly according to the contract.

Therefore, education is suitable for long-term investment, and it is necessary to be prepared to continue to invest.

Therefore, when choosing an education fund product, you not only need to consider the rate of return, see the terms of the product, but also combine the family situation and budget to allocate appropriately.

5.The sooner you buy, the better.

Allocate education funds when children are still young, which means that the guarantee period is relatively long, and if the cycle is long, you can save in advance to reduce the pressure of paying fees.

Especially for long-term education funds, the sooner you buy them, the better the returns.

In general, education insurance is a good educational financial management tool, but we must not ignore basic insurance such as health insurance, accident insurance and other types of insurance, only when the protection is done, we have enough financial resources to consider buying financial insurance.

Should I buy education insurance?

It depends on how much you pay in a year, and how many years you pay in total.

Take the products of Hong Kong insurance companies as an example, starting from 2,000 US dollars, the amount is as you like, and most parents choose to pay 10,000 US dollars a year for 5 years.

If you follow the above payment method, then you can withdraw $10,000 every year when the child is 20-24 years old and goes to college, and then withdraw $50,000 as a wedding fee when the child is 31 years old, and then withdraw $10,000 every year during the 30 years when the child is 56-85 years old, and finally withdraw $10,000 at once when the child is 100 years old. This is segmented extraction.

Or the child can withdraw $10,000 at the age of 56 or $10,000 at the age of 86.

In short, children of any age, can be extracted at will, there are formulas that can be pulled out, here I can't describe them one by one, if you are interested, you can ask me, and I will answer for you in detail.

Compared with the insurance premiums in the mainland, the annual payment is estimated to be about the same, but the income varies greatly. The education fund in the mainland is even worse than that of banks in the mainland.

If you have an investment method with a stable income of more than 3% every year, and you are not a moonlight family and can reasonably arrange your future life, it is necessary to buy children's education insurance, because the insurance income is so much, and it is not as suspenseful as the salesman said. If you don't have these two conditions, then you can choose the universal account education insurance with no handling fee, and the additional withdrawal with a handling fee will be charged a 2% handling fee, which is not as good as the former and is not flexible. The specific type of insurance can be privately messaged.

【Abstract】The child has been a safe winner of the century, but he still feels that it is a little insufficient, and plans to take about 1,000 yuan per month as an education fund. The income should be greater than that of a 5-year fixed term. The expert replied that the premium can be added in the Century Winner or the dividend insurance is selected and the fixed return is fixed.

Consultation content: The child has a safe century winner, but he still feels a little insufficient, and plans to take about 1,000 per month as an education fund. The income should be greater than that of a 5-year fixed term.

Beijing Ping An Life Wang Ying has two choices according to your ideas, one is to enjoy the investment income in the century winner who has purchased the premium so far, and the other is to choose the participating insurance, the kind of fixed return, the return plus dividends, and the long-term income will be greater than the bank deposit. Because the investment channels of insurance are all national infrastructure and other low-risk projects, the income fluctuation is very stable.

Beijing Ping An Life Zhu Wenkui has been the winner of Ping An's century, if you don't feel enough, you can consider Ping An's century talents, with the current situation of the capital market, it is the right time to intervene in investment-linked insurance, and the education fund for children can be in the form of monthly deposits, similar to **fixed investment, but save yourself the process of choosing and comparing in hundreds**. However, it must be made clear that it is impossible for all wealth management products to give promises higher than the bank deposit interest rate, which is expressly prohibited by the national financial regulatory authorities. Shaoyang Taiping Life Liu Xiaolin.

It is recommended to choose Taiping Life's wealth fixed investment annuity insurance, with an investment period of 5 years, 15-year maturity repayment of principal + increased dividends, and 5% annuity every year.

Beijing Ping An Life Shen ShanFirst of all, congratulations on your purchase of Century Winner, because it is really good. As for the idea that you want to supplement your education fund, it is also recommended that you understand investment-linked insurance according to your risk tolerance, and if you give it for a long enough time (10-15 years), it will definitely bring you an objective return!

Beijing Sun Lianchuang** Li Yingjie can consider investment-linked insurance, regular and fixed amounts, choose to invest in experienced companies, stable accounts, 10 to 15 years of income is still good! Beijing Xinhua Life Insurance Zhou Yi The main use of the education fund products is exempted from liability, which is the most important, the income of the company's education fund products are similar, the income depends on the dividend method and the company's operating conditions, the difference between cash dividends and insured dividends in the final dividend, please understand the difference between these two types of dividends. Beijing Mingya Brokerage Guo Kai has no problem with income exceeding the bank's 5-year regular, and the education fund plan needs to meet the following points in addition to profitability:

Safe, inflation-proof, with policyholder premium waiver protection.