How to plan for children s education insurance?

According to experts, the current education reserve fund mainly adopts the following methods: education savings, regular investment and insurance, and parents can choose different investment portfolios according to the use of funds. At present, there are many parents who choose children's education insurance, on the one hand, they can provide education support for children of different ages; On the other hand, it can provide risk protection for the policyholder to prevent the interruption of the insurance fund reserve due to disease or accident risks.

According to experts, when buying children's education insurance, the first thing to pay attention to is whether the policyholder exemption is provided. Secondly, it depends on whether it can meet parents' expectations for their children's education fund reserves, including the age and amount of funds. It is understood that according to the current level of consumption, a family needs at least 200,000-300,000 yuan to train a child to become a talent - from kindergarten to university.

If you go abroad for further study after graduating from university, you need to prepare an extra 1 million yuan. In the face of high tuition fees, many parents of ordinary families are discouraged. Therefore, many experts remind that for families who have the idea of sending their children to study abroad, they must"Prepare from the lenient, prepare from the early"。

Now studying abroad has become fashionable"Study abroad fever"In the middle of the post-80s and post-90s, many parents want to send their children abroad, but they are concerned about the high tuition fees, but Xiao Ming's mother is an exception.

Xiao Ming's mother heard the term children's education insurance by chance when Xiao Ming was still in kindergarten, and she didn't know what it was for at that time. The salesman of the insurance company recommended children's education insurance to her**, and Xiao Ming's mother started to apply for insurance at the age of seven until Xiao Ming graduated from university. By the time Xiao Ming graduated and applied to stay in the United States, the insurance** had already returned enough tuition and living expenses for Xiao Ming's two years of study, and the neighbors praised Xiao Ming's mother for her vision.

It is actually very simple to buy insurance in advance, that is, to buy insurance first, receive education later, and buy the corresponding education insurance before the child enters school. So when exactly should you get an insurance policy? Generally, it can be purchased for the child one month after the birth of the child (28 days), but generally speaking, the education fund insurance mainly protects the child's high school and university education, and it is not necessary to apply for insurance so early, and the specific insurance time can be determined according to the specific situation of the family.

Improve other protections first. Strictly speaking, children's education insurance has certain financial attributes, and the purchase of insurance for children should follow the principle of protection before financial management, so before purchasing education insurance for children, you should insure accident insurance, health insurance and other protection insurance for children. Choose the right education insurance product.

There are also different types of education insurance, in terms of coverage, some only cover a certain stage of education, such as high school; Some are able to provide for the child's entire educational experience; And there are some that not only include education funds, but also start-up funds and wedding funds. The choice of education fund insurance should be based on the specific planning of the family's situation.

To purchase education insurance for your child, you should choose to pay the premium periodically, and the choice of the amount of insurance should be based on the ability to ensure that the child receives a stable education, and then decide how much premium to pay according to the amount insured, if the premium is too high, you can choose to reduce it appropriately.

However, it is important to pay attention to the premium waiver clause when applying for insurance, which is particularly important for education insurance, because the significance of the premium waiver is that if the policyholder is unable to pay the premium due to an accident or critical illness during the payment period, the insurance company will waive the remaining premium, but the insurance contract is still valid. Children's education insurance is equivalent to compulsory savings, but it is earmarked, so it can effectively provide protection for children's education.

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.

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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.

From the perspective of product warranty period, it is mainly divided into life-long type and non-life-long type. Non-lifelong education insurance is generally a real "earmarked" type of education fund products.

In terms of the late return of the insurance money, it is completely determined for the child's education stage, usually when the child enters high school and enters the university, the annual return of the funds will begin, and the one-time return of a fee and account value will be returned to the child's college graduation or entrepreneurship stage, so as to help the child get a stable financial support at each important stage of education.

However, whole life children's insurance will take into account the changes in a person's life, and education is only one of the considerations.

Education is a type of pension insurance that prepares children in advance for future education expenses. There are too many insurance companies that sell education funds, but which ones are the best education funds that do not step on the pit? This is the latest education fund evaluation information for your reference before you buy:

"Evaluation of the 8 Education Funds with the Highest Yield in 2020! 》

Education insurance can be divided into lifelong and non-lifelong types in terms of product protection period.

The lifelong education fund will take into account the changes in a person's life, usually every few years, and care for the child's life. When children are young, they can be used as education funds, and when they are old, they can be converted into pensions, share the long-term operating results of insurance companies, and ensure the inheritance of family wealth.

It is characterized by high premiums and is more suitable for high-income families.

Non-lifelong education funds] generally belong to the real "earmarked" type of education products, that is, in the return of insurance money, it is completely determined by the child's education stage, I will talk about it in detail below.

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. There is value in planning ahead for your child's future education.

Education funds require people to save and have the characteristics of stable income. The benefit is that you don't have to worry about the bad impact of ups and downs, you can lock in long-term gains for at least 20 years, and you have high security.

Through the compulsory savings function of the education fund, we can start to receive money at a specified time, so that we can help us save a sum of money compulsorily, appreciate it steadily, and have a continuous cash flow income when our children are in high school, college, and marriage. So when we were choosing an education grant,Focus on its flexibility and yield。Below I have selected a few representative education funds for comparison:

Overall, the conclusion is this::

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

The payment of national insurance is flexible, which can be paid weekly and monthly, and the insurance can be added at any time in the middle of the payment. However, its IRR yield is only ,In these four paragraphs, the level can only be regarded as ordinary.

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

The flexibility of the daily upward movement is not as good as that of universal insurance, but the yield is the highest of the four. Moreover, the focus here is on the daily upward trend of Xinmei Mutual, and its scheduled interest rate is actually the product with the highest scheduled interest rate at present.

I'm rightFlexibility and high yieldsI have done a detailed evaluation, but because there is too much content, I will not put it here to avoid cumbersomeness, and interested friends can watch:Real Assessments |8 Internet celebrity education fund income competition! Contrast the Truth".

In fact, the essence of education pension is annuity insuranceIn addition to the above four types of education annuity insurance, there are other cost-effective annuity insurance that can also be used as an option to purchase.

I have thoroughly studied the various annuity insurances on the market, and finally summarized this guide to the annuity insurance purchase list:"Top 10 Annuity Insurance Points Worth Buying! 》

There are several types of education funds, such as fixed type, with dividends, additional universal accounts, and so on.

Some people think that the income with dividends is better, but in fact, it is not necessarily, and it depends on luck to get more or less.

How about the universal account that comes with it? You can check out this article:Compound interest? Is the universal account of annuity insurance a sweet and sweet?

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

1.Liquidity risk

The liquidity of education insurance is relatively poor, there is a compulsory savings function, and the premium must be paid on the specified date after the funds are invested, and if the policy is surrendered later, a certain amount of funds will be lost.

2.The sooner the better

If you apply for education funds early, the cycle will be longer, the protection period will be longer, and the income will be better.

3.Take advantage of the protection function of education insurance

Some education insurance plans provide coverage for illness, accidental injury, and severe disability.

Second, the dad summary

In the face of the rigid needs of education, it is indeed a good thing to save a sum of money in the form of forced savings, have a fixed income, and can also resist inflation to a certain extent, and reduce the pressure of taking out a large amount of money at one time.

However, please be sure to buy all the protection insurance for adults and children first, and then consider the education fund, the basic principle of "protection first and financial management later" should not be forgotten.

From the perspective of product warranty period, it is mainly divided into life-long type and non-life-long type. Non-lifelong education insurance is generally a real "earmarked" type of education fund products.

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 college, the annual return of funds will begin, and a one-time return of a fee and account value will be returned to the child's college graduation or entrepreneurship stage, so as to help the child get a stable financial support at each important stage of education.

However, whole life children's insurance will take into account the changes in a person's life, and education is only one of the considerations.

Xueba says insurance, to help you avoid all the pitfalls of buying insurance for your children! This year, the comparison table of 136 hot-selling children's critical illness insurance has been updated, you can click on it to take a look, I hope it can help you.

How to buy insurance for your childThis problem has always been a problem that stumps tens of millions of parents, so let's take a good look at how this problem should be solved! Follow these three criteria::

First, the country's medical insurance must be handled.

Neonatal medical insurance (medical insurance for urban and rural residents) is a national basic insurance, and children should be handled immediately as soon as they are born.

Second, after the medical insurance is handled, you can consider configuring commercial insurance for your child, giving priority to critical illness insurance + medical insurance + accident insurance.

First of all, critical illness insurance, choosing it can provide us with a longer period of protection. In addition, critical illness insurance can directly pay a large amount of cash after getting sick, in addition to solving the ** expenses, it can also solve a lot of additional expenses caused by illness, such as children who miss their studies due to illness, and even some subsequent life losses, which require a lot of cash to make up. Buying a pure protection critical illness insurance can solve these problems.

In addition, medical insurance can be used to reimburse the medical expenses of children's usual medical treatment, for example, with a 0 deductible hospitalization medical insurance, as long as one or two hundred yuan per year, you can buy an insurance amount of 10,000 yuan, which is very practical.

Finally, it is necessary to have an accident insurance, the child's accident insurance is very cheap, 200,000 yuan per year is only sixty or seventy yuan, you don't see that the money is not much, but in fact, the protection is quite extensive, accidental death, disability, accidental medical liability are within the scope of protection, cheap, and useful.

Third, is there any insurance that I should not buy for my child?

Don't choose life insurance for your child, and try not to consider critical illness insurance with both liabilities attached. The specific reasons I know are in this answerWhy is it so hard to buy child insurance? You'll know when you see it!

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 above insurance ideas, if you are configuring regular insurance for your child, you can configure it comprehensively for about 1,000 yuan per year, and if you buy lifelong protection, it is only two or three thousand per year, which is not expensive and very useful.

That's all for me"What are the types of children's education insurance?"