Is the education and marriage insurance paid by children reliable?

Xueba said that insurance only helps families who really want to buy insurance for their 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 will help you.

How to buy insurance for your child

This question has stumped many parents, so let's sort out the methods and ideas for buying insurance for children! Configure from these three aspects:

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

Newborn medical insurance can be handled immediately after the child is registered, whether it is a major illness or a minor illness, the basic medical insurance is particularly important, so it is necessary to handle the medical insurance for the child.

Second, on the premise of handling medical insurance, you can start to consider commercial insurance, and critical illness insurance + medical insurance + accident insurance needs to be given priority.

First of all, critical illness insurance, which provides a relatively long period of protection. In addition, critical illness insurance can pay a large amount of cash directly after getting sick, which can not only solve the problem of medical expenses, but also solve many additional expenses caused by illness, such as the delay in study caused by medical treatment and some losses in subsequent life, which require a lot of cash to make up. Buying a pure protection critical illness insurance can solve these problems.

Look at 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, as long as one or two hundred yuan a year, you can buy an insurance amount of 10,000 yuan, which is very cost-effective.

Finally, let's talk about accident insurance, it is very cheap for children to buy accident insurance, as long as it is sixty or seventy yuan a year, you can buy 200,000 yuan of protection, you don't see that it costs a lot, but in fact, the protection is quite extensive, accidental death, disability, accidental medical liability are within the scope of protection, and the cost performance is quite high.

Third, what are the insurance policies that are not recommended for children?

Don't choose life insurance for your child, and try not to choose critical illness insurance with both liabilities. 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 about 1,000 yuan per 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"Is the education and marriage insurance paid by children reliable? "All of them, I hope it helps you! Hope!

The Insurance Law stipulates that a company that operates life insurance is not allowed to go bankrupt directly, and if it does not operate well, it will be taken over by an insurance company designated by the state.

Which insurance company did you buy it from? Insurance liability is reliable if you have these.

Yes, what products to buy.

In order to help families avoid this economic risk, it is necessary to insure their children as soon as possible with a marriage insurance policy. What are the options for buying children's education and marriage insurance online?

For example, there are two kinds of children's education and marriage insurance, which are exclusive to jujube return and products that take into account critical illness protection, you can choose according to the specific insurance details of your child, and you need to pay attention to the following points before applying for insurance:

1.For most families, the expenses required for their children's college and adult years are larger, so the choice of education insurance for children must focus on the financial protection of these stages.

2.There are two types of education insurance for life and non-life, and it is not practical to plan for your child's life protection too early, so it is recommended that you choose the latter.

3.The earlier the education insurance, the better, the earlier the insurance time, the more education funds accumulated, the less annual contributions, and the earlier the protection. To apply for a suitable education wedding insurance online, you must choose the right insurance platform, which is an e-commerce platform that provides professional education wedding insurance, and you are welcome to compare and buy.

Sunshine Journey Education Fund Insurance Plan (Participating Type) Coverage Content: *Junior High School, High School, University Education Fund Optional*Death Benefit*Unique High-Incidence Illness - Minimum Monthly Cost of Insurance Protection: 100 Yuan Growth Sunshine Children's Insurance (Type A) (Participating Type) Coverage Content:

University Education Benefit, Postgraduate Benefit, Founding Benefit, Wedding Benefit*Death Benefit*Minimum Monthly Expenses of Premium Waiver Benefit: $100.

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

Wedding insurance is a kind of savings insurance, which is no different from general savings and dividend insurance, the average annual savings rate of return of this type of insurance is between 3% and 4%, and the annual premium is about 15-20% of the annual income is more appropriate!

The marriage type of insurance belongs to the wealth management type insurance. After all, there are many types of this kind of insurance, and all major insurance companies have them. The company's financial products are the best, this kind of products mainly depends on the company's income, the current number of years of leakage, you can search for the insurance company's income ranking in the future, in recent years, Ping An's income has been ranked first.

Marriage insurance is that parents insure their children when they are young, and they insure them with a sum of money every year, which is returned when the child reaches the age of 22! Wedding insurance is actually a wedding payment, which is more than staring at the current children's insurance, whether you are married or not, this money can be received.

Is it reliable to pay 20,000 yuan a year and pay 5 years of education marriage insurance?

Hello, I am happy to serve you and make the following answers for you: it is reliable to pay 5 years of education and marriage insurance, but it is necessary to pay attention to the following points: 1. To choose the insurance products of the insurance company, the insurance company is required to have a good reputation, the insurance cost is reasonable, the coverage is comprehensive, and the service quality is high.

2. It is necessary to understand the coverage of insurance products and the insurance company's claim process, so that in the event of an insured accident, you can apply for a claim in time. 3. Check the insurance contract regularly to ensure the accuracy of the content of the insurance contract and the reasonableness of the insurance cost. 4. Check the financial statements of the insurance company regularly to ensure that the financial status of the insurance company is good, so that in the event of an insured accident, you can apply for claims in time.

5. Check the service quality of the insurance company regularly to ensure that the insurance company can provide high-quality services, so that in the event of an insured accident, it can apply for claims in time. Personal tip: When buying an insurance product, you should read the insurance contract carefully to understand the coverage of the insurance product and the claim process of Luming Insurance Company, so that you can apply for a claim in time in the event of an insured event.

Hello! There will be a lot of children's education insurance in each insurance company, just to see which one is suitable for your baby, this has to be based on your family situation, the best one is suitable.

Hope it helps!

I recommend a product to you, "China Life Ruixin Insurance Participating Type (2013 Edition)" to your satisfaction!

If you want to get a high yield, don't buy insurance.

Education is a process of accumulation, and the so-called higher returns are irrational and not suitable.

As long as it is an insurance product, the protection function must be considered first, otherwise, it is meaningless to consider anything else.

Rational treatment of returns, all expectations, inconclusive, once you say fixed income, you don't have to look forward to it.

Be sure to attach an exemption.

The amount of the premium depends on the actual situation.

However, the payment period is an accumulation process, and of course, there are advantages to a longer time.

It cannot be equated with simple savings. Money flows in and out of the bank freely, and the education fund is earmarked for special purposes and accumulated. Banks certainly can't accumulate pensions and education funds.

Friend, it's good that you have a habit of making fixed deposits. What I want to tell you is that insurance is not an investment, it can be said that insurance has a lower return than any investment channel, and if you want to get a high return from insurance, that is, the risk occurs during the payment period. Insurance is about protecting against unknown risks and paying for them.

Insurance is not counted.

The maximum purchase of insurance is 20% of the total household income, generally between 10% and 15%.

Protect the adults first, then the children. Because the most basic thing for children is their parents.

Order of purchase of insurance: accident, medical treatment, critical illness, education, pension, and financial management.

What are the benefits of buying children's wedding insurance, mainly as follows:

1. It can ensure the smooth completion of children's studies.

Children's marriage insurance has the characteristics of compulsory savings, and parents must deposit a fixed amount of money in the insurance company at an agreed time every year, and can only withdraw the insurance money when they can receive it. When the insured reaches the age of 16 (i.e., the age at which he or she can enter high school under normal circumstances), he or she can start to receive high school education fees for 3 years; When you reach the age of 18, you will start to receive university education fees for 4 years; When the child reaches the age of 22, the insurance company pays the dowry according to the agreement, and the amount of the payment is based on the amount paid.

2. Basic insurance protection.

Buying children's marriage insurance can also protect children from illness and accidents. If the insured is disabled or dies due to an accident during the insurance period, the insurance company will pay part or all of the insurance benefits according to the regulations.

3. Premium waiver function.

If the insured, i.e., the parent, dies or becomes disabled due to illness or accident and is unable to continue to pay for the child, the insurance company will waive the remaining unpaid premiums, and the insured, i.e., the child, can still receive the protection they deserve, and the insurance company will still bear the agreed insurance liability.

Education and marriage insurance is a children's insurance product tailored for children, which can bring certain protection to children's education, entrepreneurship and marriage, and parents can handle it for their children. Moreover, the sooner you buy this insurance, the better, so that your child can get the relevant protection as soon as possible. However, parents need to pay attention to the following when insuring their children:

1. You should choose some plans with additional exemption functions, because the payment period is generally longer, and the interests of the child can be guaranteed in case of risk or accident during the payment period. Take the worry out of your parents.

2. The age in the insurance policy should be filled in according to the age of the year, and the health status column must be filled in according to the facts.

Third, after the successful insurance properly keep the insurance policy, the policy is the only proof to participate in the insurance, but also an important basis for receiving insurance money or surrendering in the future, once lost, should notify the insurance company in time, and go through the procedures for a new policy.

Fourth, do a good job of insurance planning, do what you can, and don't deviate from the reality of affordability. Don't go for it all at once, it's better to work it out gradually.

Arnold answered:

Hello! If you want to buy children's wedding insurance, it is recommended that the insurance you buy for your children should have a dividend function, because it can resist the risk of inflation. When buying insurance, you need to find a more suitable insurance company, and the choice of insurance company can be based on the business conditions of the insurance company and the word of mouth.

In addition, when buying wedding insurance, it is best to choose insurance with premium waiver function, which can prevent the protection of children from being affected when the parents lose their ability to pay.