Which is better to buy children s education insurance?

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What insurance should I buy for my child?

This problem has made many parents think hard, 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!

After the child is registered, it is necessary to handle the neonatal medical insurance (urban and rural residents' medical insurance) as soon as possible, whether it is a major illness or a minor illness, the basic medical insurance is particularly important, which is the basic security welfare given by the state, and it must be handled well.

Second, after running medical insurance, it is necessary to consider fully configuring commercial insurance, and it is recommended to give priority to critical illness insurance + medical insurance + accident insurance.

First of all, critical illness insurance, which provides a relatively long period of protection. Secondly, critical illness insurance is paid directly in cash after getting sick, in addition to solving the best expenses, it can also solve many follow-up hidden problems, such as children who delay their studies because of illness, and even some subsequent life losses, 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 solve these problems.

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, the sum insured is 10,000 yuan, and the annual premium is only one or two hundred yuan, which is very cost-effective.

Finally, to configure an accident insurance, it is very cheap for children to buy accident insurance, 200,000 yuan insurance is only 60 or 70 yuan per year, which can fully protect the child's accidental death, disability and medical expenses caused by accidents, 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 it has been clearly stated in the manuscript, I will not say too much here.

According to the idea I gave you to configure insurance, if it is for the child to configure regular protection, 1000 yuan per year can be done, if you buy lifelong protection, it is only two or three thousand per year, not expensive, and very useful.

That's all for me"Which is better to buy children's education insurance? "All of them, I hope it helps you! Hope!

Heian Century Angel or Century Celestial Jiao!

The education fund can be used as a safe respect, and the education fund and pension are both.

Hello, the purchase of children's education insurance needs to be based on the actual protection of the child and the family's economic ability and other conditions to a comprehensive analysis, only to buy the right child education insurance is the best education insurance, you can according to the actual situation of the child and the family to the insurance company to compare and choose, you can also refer to this link.

With the continuous improvement of our living standards, more and more people have begun to worry about their children's future education, and want to make a compulsory savings for their children's future education.

So how do we choose the right education fund product? You can take a look at this: "Prepare education funds for children, win at the starting line!" 》

The children's education fund is a medium- and long-term savings, save money now, and take it out when the child goes to college, that is, prepare the child for the future in advance.

Parents and friends may not know much about educationHear what insurance experts have to say for decadesHow to give your child a certain future? - A Complete Guide to Education Funds

Before buying education funds for children, you must give priority to equipping your children with protection insurance, such as children's medical insurance, medical insurance, critical illness insurance, and accident insurance.

If you have a budget, consider buying education money for your children.

Then of course, we all want to buy the best education fund for our children, but we must be clear that we must buy education funds according to our own needs, and only those that suit us are the best.

1. Clarify the purpose of buying education fundsThis determines the cost of our education.

How much do I have to pay?

How long do I have to get it?

If it is to study abroad, should we consider waiting for our children to go to college and be able to withdraw hundreds of thousands of tuition fees at a time?

If it is just to make the child's college life more comfortable, is it better to have tens of thousands of yuan to pay tuition fees every year during the four years of college, and also have a sum of money after graduation to let the child prepare for the graduate school entrance examination with peace of mind?

Clarify our needs first, and then decide what kind of education money to buy.

2. Determine your own economic plan

What is my maximum budget? What is the minimum budget?

What is the minimum amount of money I need to claim? How much is it preferable?

Which product can meet your needs as much as possible with the smallest possible budget?

Take Ms. Wang as an example:

Here's what she wants.

Payment: 3-5 years, 2-50,000 yuan per year.

Withdraw money: When the child is 22 years old, take out 500,000 yuan at one time and give it to the child to study abroad for graduate school or entrepreneurship.

Her purpose is to let her children have a little capital in the future when they want to work hard, so that they can break through and fight for a future.

All in all, we need to make a good judgment about our actual situation and future expectations, and then choose products that meet our expectations.

There are many types of education insurance on the market, and they can be divided into three categories.

The first is pure education insurance, which mainly provides the education expenses of children in junior high school, high school and university, generally in the form of additional insurance.

The second is the education fund insurance that can be returned fixedly, and the returned education money can be used as a child's education expenses at a certain stage during junior high school, high school and college, and some products will also provide children with survival funds such as entrepreneurship and marriage.

The third is the current popular investment-type education insurance, such as universal insurance or even investment insurance, which is to save education funds for children in the form of investment and financial management, which has certain risks.

Because education insurance takes into account the characteristics of savings and protection, children's education insurance can not only solve the problem of children's education expenses, but also provide children with certain protection on the basis of education savings. Provide your child with educational protection to help protect your child from the risks of accidents and health diseases.

To buy education insurance for children, parents should first make a budget for the premium expenditure according to the family's economic conditions, and the premium expenditure for the child insurance should be controlled at 10%-20% of the family premium expenditure.

The second is to improve the child's basic personal security before buying education insurance for the child, the importance of education in today's society is increasing, but the child's health problem is always in the first place, so it is better to improve the basic protection before purchasing education insurance.

Finally, when buying insurance products, you need to choose products according to your own conditions, do not blindly buy or follow the trend to buy, insurance is related to the future life of the insured, so you must be cautious.

Xueba says insurance, focusing on product evaluation! There are a lot of people who are consulting about the content of the education fund, if this is the case, I will tell you about the concept of the education fund and what education funds are recommended to buy, and the doubts about the education fund have not been solved? This article will definitely help you:

Is Education Worth Buying? Which education funds are recommended to buy? 》

Education is a type of financial insurance, its advantages are:

Low risk and high security

Stable returns

However, there are some shortcomings in the education fund:

Low yields。Scheduled earnings up to 3 4% and can't make a lot of money;

Poor liquidity。Pay on time every year, and the lock-in period is as long as more than ten years.

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

The predetermined interest rate is higher

This is also the attractive part of the education fund: it can not only increase the existing funds, but also ensure the future education of the child. The higher the predetermined interest rate of the product, the higher the actual rate of return will be

How to increase your yield? Choose a one-time lump sum payment, and it is better to pay it early.

Matching education gaps

The period of time when the education fund can be paid should coincide with the period at which the education is spent the most.

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.

Hello! At present, there are two main types of children's education insurance on the market, one is the traditional product, which is more targeted and has a lower premium, which is the basic education insurance; The other is the dividend type, which is fixed every two or three years with a return and dividends for education, but the premium is relatively high. Therefore, if your family has an average financial level, you can consider traditional insurance; If you have a good household income, you can choose a participating product.

It is better to choose education fund and universal insurance for children's education insurance.

1. Universal insurance, all kinds of insurance amounts can be used, the income is guaranteed, and the normal subcutaneous limbs are higher than the bank's crack handicap. Can be withdrawn at the time of hunger.

2. All insurance companies have education funds, generally paid in 5 years, paid in 10 years, paid to 15 years old, the premium requirements are a little higher, there are fixed income and dividends, and the overall is a little better than universal income, but there is no universal flexibility, you can't withdraw money in the middle, you can only take a little dividend (what you earn is dividends, and it is best to take it last).

Please add a detailed explanation.

First of all, it is very necessary to buy education insurance for children, and it is also a very good "foresight". But if you want to buy the right education insurance for your child, you can't just choose a random insurance product; It is recommended that parents must be clear about their children's insurance needs for education insurance before applying for insurance, and it will be easier to choose the right education insurance product according to their actual needs.

Next, the senior sister will take the example of buying education insurance for her child, and discuss it with you! Before starting, if parents have any questions about insurance knowledge, you may wish to click on this article to take a lookUltra-complete!

Everything you need to know about insurance is here

Generally speaking, the education insurance on the market is mainly based on annuity insurance, and the protection period can be long or short, and the long can be insured for decades, or even for life; The shorter option may be until the insured person turns 25 or the insured person turns 30.

Here, it is recommended that parents choose the appropriate protection period for their children according to their own financial situation, for example, if the family financial situation is average, it is a good choice to protect the insured until the age of 25 or 30.

However, no matter what kind of insurance period, it can at least provide a certain amount of financial security for the child's junior high school, high school, college and other important stages; For children, it is undoubtedly an extra guarantee and help.

Therefore, it is very necessary to buy an education insurance for your child.

Considering that the actual situation of each child is different, the same insurance plan may not be suitable for everyone, so the following senior sister will tell you two precautions for buying education insurance:

1.Before buying education insurance for your child, you must first configure your child with protection insurance such as critical illness insurance and medical insurance, after all, good health is more important than everything.

2.Invest your child in education insurance as early as possible, in short, the sooner the better; Because the sooner you insure your child, the sooner you can enjoy the corresponding protection.

Finally, if there are parents who want to buy education insurance for their children, this article is worth referencing:Latest! The 8 education fund reviews with the highest yields in 2022 are hereHope!

In fact, when buying education insurance for children, it is most important to choose products according to their own protection needs, after all, each education fund product can provide different protection, and the premiums are also different, do not follow the trend of insurance; At present, the products on the market, such as Hengan Standard Jinzhi Qihang Education Annuity Insurance (Internet) and Evergrande Splendid Future Education Annuity Insurance, are all good.

Parents must read: Is it necessary to buy education insurance? How to choose the right product?

Next, the senior sister will introduce to you an education fund suitable for 3-year-old children, which is from Hengan Standard Life's Jinzhi Qihang Education Golden Annuity Insurance (Internet)! Without further ado, let's go straight to the picture above:

1.There are abundant options for protection and payment periods

Jinzhi Qihang Education Golden Annuity Insurance (Internet) has two versions to choose from until the age of 25 and 30 years old, and parents can choose flexibly according to their own protection needs when insuring their children.

In addition, the payment period of Jinzhi Qihang Education Annuity Insurance (Internet) is still relatively flexible, there are single payment, 3 5 10 years payment these options can be selected, you can choose the appropriate payment period according to your own economic situation when you apply for insurance.

How to choose the payment period so that you will not lose?

2.Guaranteed content analysis

According to the terms, Jinzhi Qihang Education Golden Annuity Insurance (Internet) is an education insurance specifically for college and further study expenses, which is relatively simple and can give greater financial support to children in the process of receiving college and further education.

At the end of the insurance period, the insured is still alive, and there is a maturity insurance payment available, which will give the child longer and stronger support, whether it is for the child to start his own business, start a family, or save a considerable wealth for the future, it is no problem.

Is Hengan Standard Golden Wisdom Sailing Education Golden Annuity Insurance worth buying? These points must be notedHope!