Is it better for a 15 year old girl to insure Ping An Wisdom Star or Ping An Children s Guardian Sta

The 15-year-old girl is on the older side, and neither of these plans are suitable. Moreover, Wisdom Star is universal insurance, and universal insurance is an insurance product for lifelong consumption. 50% of the handling fee will be deducted for the first year, 25% for the second year, and 15% for the third year.

In addition, the protection cost of the main insurance and additional insurance will be deducted every year, and the more money will be deducted as you get older. Therefore, its payment period is not fixed. Unlike other insurance products, the figure of 10 or 20 years of payment is stated.

The number of years written in the contract is "lifelong" or "unlimited". Because the cost is deducted from the account every day, if the principal deducted is gone, you will be asked to pay again, and then deduct it again. So pay money for a lifetime.

There is no income, and the monthly interest is deducted from the cost.

Anyway, it is certain that if you buy either of these two at the age of 15, it cannot be used as an education fund, but only as a long-term guarantee and reserve. If you agree with this, then decide which one to buy.

Wisdom Star is a universal insurance, and the benefits will be linked to age, annual deduction and account balance. Guardian Star is a lifelong insurance, if you simply say a slap, the protection effectiveness of the guardian star serious illness is the highest among all children's insurance, plus the annual fixed return and the return of the principal of the main insurance at the age of 60, I feel that this cost performance is better than that of Wisdom Star.

Hello! Wisdom and Guardian are both insurance for children's protection and education funds, and 15 years old is not suitable. It is recommended to improve the protection type and financial management type to supplement.

There is no insurance product that is good, you need to read the terms of the insurance carefully and compare them to find one that is more suitable for you.

15 years old is a little older, let's do some protection and financial management!

That's good to give back.

Ping An Smart Star is a product of Ping An in July last year, which has flexible and adjustable product features, which can help children enjoy life in a worry-free future, and also better meet the needs of children at different stages of life.

Ping An Children's Smart Star products have the following characteristics:

Life security: 120,000 yuan of personal insurance from the age of 18. Coverage can be adjusted up.

Wedding money account: about 48,000 yuan for 28 years old (education fund has been received).

Pension account: about 130,000 yuan for 60 years old (education money has been received, marriage money has not been received).

Exemption 1:If the insured suffers a critical illness for the first time during the payment period, the premiums for subsequent installments will be waived, and the insurance liability will continue to be valid.

Waiver 2:During the premium payment period, if the insured suffers an accident, severe disability or the first occurrence of a critical illness, the insurance liability will continue to be valid after the premiums will be waived.

A child's future is a beautiful picture, and in a child's long life, insurance protection needs to be adjusted according to the risks of the child's different life stages. Children's insurance with adjustable and flexible coverage can meet the individualized life needs of children. Ping An Smart Star is a universal insurance product, and the amount of annual payment and how many years are determined by the customer, and the time and amount of the policy value are also determined by the customer.

It is equivalent to opening a special universal account for the baby, but this account has more comprehensive protection functions than the ordinary savings account, which is the best choice for the baby to plan a better life.

Hello dear, 1The reason why this product is a universal insurance product is mainly because this product has met the basic requirements of life insurance, and it will also have a certain medical protection effect. 2.

At present, the mainstream life insurance on the market is aimed at young and middle-aged people after the age of 20, and there are relatively few types of life insurance suitable for children. 3.This type of insurance product is very flexible, which can not only protect the health of children, but also play a certain role in financial support.

For those families with relatively good economic conditions, it is a good choice to formulate this insurance product for their children. Ping An Wisdom Star Whole Life Insurance (Universal) Issue age: 0 years old (refers to babies who have been born for 28 days and have been discharged from the hospital in good health) to 17 years old.

We know that many people will reasonably plan their assets for insurance and wealth management, and this kind of insurance product with a financial nature can perfectly meet this point. On the whole, this product is mainly to provide basic protection for children. 1.

Insurance rules: The same policyholder can only apply for one insurance for the same insured; The basic sum insured is 8-100,000 yuan (can only be sold to children with a risk insurance amount less than or equal to 20,000 yuan). 2.

Insurance period: 5000 and below, minimum 10 years; If the payment is more than 5,000, you need to pay 50,000 yuan, otherwise you will be given a two-year deferred payment period, and the fee will not be paid after the expiration of the deferred payment period. 3.

Payment method: the period payment shall not be less than 4,000 yuan; The period payment of 7,000 yuan (inclusive) or more can be added. Period of Insurance:

Lifelong. Insurance liability: In the event of the death of the insured, we will pay the "death insurance benefit" according to the insured amount at the time of death, and the main insurance contract will be terminated.

The death benefit paid includes the account value of the policy at the time of death. 4.Additional Features:

Top-up premiums, deferred premium payment, partial payment. Additional Insurance: Ping An Wisdom Star Early Payment Critical Illness Insurance, Ping An Additional Worry-Free Waiver Term Life Insurance (a), Ping An Additional Worry-Free Waiver Critical Illness Insurance (b), Ping An Additional Worry-Free Waiver Critical Illness Insurance (c).

Both are safe insurance.

The difference is that the guardian star is a dividend insurance, and the wisdom star is a universal insurance, and the two are different types of product forms and are not comparable.

The protection function of the guardian star is very strong, with both protection and dividends, but the premium standard is very high.

Wisdom Star is more flexible and transparent, and the premium standard is close to the people, which is suitable for the general choice of the public.

Of course, customers need to choose according to their actual situation and rational expectations for the future.

The specific recommendations for insuring your child are as follows:

1.When buying insurance for your child, you should first consider whether the adult is adequately protected, and don't put the cart before the horse.

2.Don't ignore local insurance policies, such as whether there is medical coverage for the elderly and the young.

2.Children's insurance, based on the basis of protection, then talk about education funds.

3.In terms of protection, accidents, critical illnesses, and medical treatment must be considered.

4.There are three types of children's insurance in the market: dividend, universal and investment-linked, and it is recommended to choose the first two.

5. Insurance planning, do what you can, don't deviate from the reality of affordability, then it is not insurance. Best, solve whatever you can? Don't aim for a one-step solution.

6.Remember the additional exemptions!!

6.Buying insurance for your children, don't plan too much for a rainy day, and plan your life, which is very unrealistic. Treat it rationally and do what you can. You can set short-term, medium-, and long-term financial goals, but if you don't ask for them all, and if you reverse the order, it will be a mess and a waste of money.

Wealth. 7.First of all, we must clearly understand the above needs and rules, and then select a qualified ** person, which is very important and very important, and then choose an insurance company.

It is recommended to communicate with ** people in detail and verify with multiple parties, after all, face-to-face communication is the most practical and effective way. Best wishes!

Please pay attention to the Xincheng Yue Growth Plan:) The first single in the baby's life, 10 years early for 20 years, and the premium paid will be returned as an education fund at maturity. In 20 years, 43 kinds of serious illnesses have been covered, 10 kinds of children's serious illnesses have been doubled, injuries outside the hood, 10 times the compensation for campus accidents, hospitalization allowance for serious illnesses, ordinary hospitalization allowances, medical reimbursement for accidental injuries...Comprehensive care for growth....The policyholder and the insured are double exempted to ensure that the mission can be achieved!

Children's million sum assured, exclusive in the industry!