What kind of insurance is best for small children

Children's education**I personally think it is best to use universal life insurance for customers.

Education** is actually an investment in investment insurance, and enjoy the protection of two generations at the same time - the policyholder (parent) can be waived in death or disability premiums, ensuring that there is enough money for children to go to school; The insured person's (child) deceased parent will be reimbursed by the insurance benefit.

There are three types of investment insurance: participating insurance, investment-linked insurance and universal life insurance. The investment strategy of participating insurance is conservative, the return is not high, it cannot be accessed at will, and it requires a long investment period.

Investment-linked insurance pursues high returns, investment involves the best market, there is no possibility of loss without a guarantee, the potential return is high and the risk is also very large, and it can be accessed at any time.

Universal life insurance has set up a guaranteed return, mainly investing in treasury bonds, corporate bonds, large bank agreement deposits, etc., with a stable investment strategy and high returns, and can be accessed at any time, which is very flexible.

Because education is generally to prepare for university education, generally only about 20 years of investment period, so ordinary dividend insurance is not suitable for education, and because education requires absolute safety of funds, it is not suitable for high-risk investment insurance to do, the most suitable is universal life insurance. The term of universal life insurance is lifelong, and you can accumulate education funds in the early stage, and you can plan for retirement or medical reserves in the later stage and enjoy lifelong life protection.

The vast majority of my clients choose universal life insurance for education funds, and another important reason is that the initial deduction of universal life insurance is the least among all life insurance, what does this mean? In fact, the benefits of universal insurance to customers are the greatest among all life insurance! It is recommended that you choose universal insurance for children's education.

If necessary, you can send an email to me **, I am a friend of Guangzhou**.

To add: fixed-income insurance products are not suitable for education**, because real income will be damaged by inflation.

There are many types of education insurance, and each company has good products, and the universal life insurance recommended by the colleagues upstairs is also a good choice.

Generally speaking, no matter which company's products are, the rates are similar when the insurance liability is the same, and the pricing of insurance products is strictly monitored, and there will be no cost-effective difference.

The most important thing is not the product itself, but the choice of dutiful people, which is very important, directly related to whether you can buy suitable products and get high-quality follow-up services, it is recommended that the landlord make more efforts in choosing the best people.

Children's education reserves are important, but it is recommended to consider them after planning the basic protection, and the largest proportion of risks are accidents and illnesses, and the need for these two aspects of protection is also the first.

Finally, let's talk about the product, the current education insurance generally protects the expenses of junior high school, high school and university, because of the existence of compulsory education in junior high school and high school, the cost of expenditure is not very much, and it is not recommended to buy it in the case of limited budget. The period of receiving the education allowance is generally four years, and a certain amount is received every year from the age of 18 until the age of 21, and if there is a bonus, a dividend can be received at the age of 21. Education gold products, each company is almost the same, choose excellent people, just make a plan.

China's current bank interest rates are low** and the development is not sound.

Neither endowment insurance nor participating insurance is cost-effective.

It is better to buy less main insurance and more additional insurance.

Education insurance: buy early and buy early, double protection for children and adults;

Critical illness insurance: The smaller the rate, the lower the rate, the cheaper it is.

Then add some columns such as accident insurance, hospitalization insurance and daily hospitalization allowance, which are sufficient.

Hello. I am from Chinese Life Insurance Company.

You have a choice"Fortune Kids''Really

This insurance is beneficial for you and your child.

You can consult your life insurance company for details.

They will be eager to tell you.

We wish you the opportunity to find the right insurance for you.

My mother is from the Chinese Life Insurance Company, and she said to buy it"Fortune Kids""Talented children"It would be better.

You can go to your local life insurance company to enquire.

First of all, it is difficult for children to buy accident insurance. You must be over 16 years old to buy accident insurance.

Accident insurance, medical insurance, critical illness insurance, education insurance, etc.

1.Accident insurance: children grow up lively and active, bumps and bumps are inevitable, now many families like to have pets, cats and dogs are likely to encounter, so a few cents a day of accident insurance can solve the cost of reimbursement caused by these accidents, try to choose an accident insurance that can include accident medical treatment beyond the scope of social security reimbursement.

2.Medical insurance: children are young, weak immunity, if there are health problems need to seek medical expenses, the cost of medical treatment is also the family's expenses that have to be spent, generally including outpatient medical insurance ** slightly more expensive, pure hospitalization is relatively cheap, depending on their needs to choose.

3.Critical illness insurance, also known as health insurance, is mainly to solve the problem that people may suffer from critical illness in their lifetime (high cost, long illness, may cause a major blow to the family economy) insurance, once it meets the requirements will be directly paid in cash, this is basically the family just needs, the child is generally smaller, the physical condition is good, the underwriting barrier is small, the underwriting probability is high, and the premium is cheaper, depending on the product benefits, company choice, protection period, different protection amounts, or according to their own budget comprehensive evaluation choice.

4.Education insurance, this is the child's growth in the determination of expenditure, in addition to the compulsory education stage, education expenses need to be paid by themselves, children eugenics to be more preferential, hope that the son will become a dragon and phoenix is the hope of every parent, so for the child as soon as possible to prepare a future education ** is not only the hope of the parents' life but also the motivation for the child's financial quotient cultivation and learning, the earlier the preparation, the easier, the more the cost, depending on the family situation.

5.To tell the truth, family insurance planning is best for the whole family to plan, in a sense, parents are actually the biggest protection for children, only parents are safe and healthy, can continue to create wealth for children, children's lives are guaranteed, so the insurance configuration has a principle, under the condition of limited conditions, first protect adults and then children, but accidents, critical illness is just needed by adults and children, is a necessary insurance for life.

The above suggestions are for reference.

Before buying insurance for your child, first check whether the adult has a good protection, if not, then please buy a protection insurance for the adult first. Because the child's premium is borne by the adult, if the adult once out of the insurance, the child's premium will be a problem, even if some insurance companies now have a premium waiver function, but when the child uses this money, it is also how many years this year can be used, it is better for the adult to buy another accident insurance, one or two hundred yuan can reach more than 100,000 yuan of insurance compensation, and it is an adult who can use the child immediately, that is to say, as long as there is an adult, will find a way to make money for the child, In other words, the presence of an adult is the greatest insurance for children. If the adult has a good protection, and the economy allows, you can choose a fixed deposit and fixed withdrawal dividend type insurance for your child, in short, you can not buy insurance blindly, you must live within your means.

Once the insurance you buy is not suitable for you, it will not reflect the meaning of buying insurance, and there will be losses if you want to surrender the insurance.

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

Look at the local social security policy, if the medical care and other aspects are good, buy some education funds for the child, plus an accident medical treatment.

If the social security policy is not very good, add another hospitalization. Accident insurance and critical illness insurance are not of much benefit to the child.

See what you want to protect your child? There are education insurance, critical illness insurance, and dividend insurance. can meet different needs.

Go to the local Chinese Life to learn about the relevant insurance** and other content.

Children's resistance is poor, buy insurance is to avoid risks, children may grow up with diseases, accidents may also occur, so in order to avoid these risks, children should buy protection.

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-term, and long-term financial goals, but if you don't ask for them all, reverse the order, and it will be a mess and a waste of money.

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.

Since you can ask such a question, then prove that ours has no effect on you, in other words, you will not easily believe our words, then you should be sincere and seriously study the terms of the insurance.

Here I need to remind you that although the insurance contract is very thick, don't be afraid, most of them are the general terms of the country, this part of the content as long as you pay attention to the refusal, open the insurance contract, find the insurance liability, read every word in detail, you will understand this insurance, what kind of protection will you bring after you buy it. If it is critical illness insurance, be sure to find the definition of critical illness in the insurance contract, you don't need to read all the critical illnesses, you just need to find a similar illness that your family members are suffering from, and see if its insurance liability meets your requirements.

If you are buying insurance for children under the age of 18, most insurance companies on the market now sell products that do not cover the amount of insurance for children under the age of 18, and the compensation is the premium you have paid.

Hope mine will be helpful to you.

1. Children's medical insurance:

It is the welfare of the country, and the basic security is very comprehensive, so we must give priority to the children;

2. Children's accident insurance:

The state stipulates that the accidental death of children aged 0-9 is not more than 200,000, and the accidental death of children aged 110-17 is not more than 500,000, so the accidental death of children is not the most important thing when buying children's accidents, focusing on accidental medical treatment, whether it is 100% reimbursed, whether it can be compensated inside and outside the medical insurance catalog, and whether it is 0 deductible, so that it is the most critical.

For example, children are quirky and lively, so accidents, outpatient and inpatient medical treatment caused by falls, burns, traffic accidents, etc. can be compensated;

3. Million Medical Insurance:

What kind of insurance is good for children to buy, millions of medical insurance is the first choice, this is used for high medical expenses for serious diseases, such as severe hand, foot and mouth, leukemia, etc., to solve the heavy family burden caused by high medical expenses;

4. Children's Critical Illness Insurance:

If the parents have a sufficient budget, they can consider protecting lifelong critical illness insurance, and if the budget is average, there is pressure on car loans and housing loans, they can consider protecting the child until he or she reaches adulthood, and insure the regular children's critical illness insurance for 20 or 30 years.

After all, buying critical illness insurance or other insurance is not a one-step process, but a step-by-step process, and when the child reaches adulthood, or when the child grows up, it is okay to have a good product match.

Hello! There are three types of insurance suitable for children:

1. Children's critical illness insurance.

Critical illness insurance is no stranger to everyone, and those who know a little bit about insurance should know that critical illness insurance covers critical illnesses.

Critical illness is a heavy blow to patients and their families, and reports of poverty due to illness and dispersion of sick families are also endless.

Since children are a special group, compared with adults, some specific critical illnesses are more likely to appear in children, so children's critical illness insurance has added high-incidence critical illnesses to children within the scope of protection.

When a child unfortunately suffers from a critical illness agreed in the contract and meets the conditions for claims, the insurance company will pay a large sum of money in a lump sum, which can be used for subsequent expenses and family living expenses, so as to reduce the financial burden of the family.

Children's critical illness insurance is a solid barrier to children's health protection, and all parents must match their children.

2. Medical insurance.

As one of the main contents of health insurance, medical insurance has always been our first choice when purchasing commercial insurance.

Health issues are a matter of great concern to each of us, and medical insurance, as a powerful health protection, should be something that each of us should have.

In general, children have a relatively high probability of medical accidents, ranging from a common cold to hospitalization for surgery.

Medical insurance is a reimbursement type of insurance, reimbursement of expenses caused by illness, and a wide range of coverage, basically all illness expenses can be reimbursed, in order to give better protection to children's health at the same time can also reduce the financial burden of the family.

Medical insurance is generally not expensive, and you can buy cost-effective products on the market for a few hundred yuan.

3. Accident insurance.

Accident insurance is an insurance specifically for accidents, which can be divided into three types: short-term accident insurance, one-year accident insurance and long-term accident insurance according to the insurance period.

Short-term accident insurance covers a short period of time, such as a ride or a trip, and is suitable for travel.

One-year accident insurance covers for one year, has cheap premiums, and is highly leveraged, making it worth buying.

Long-term accident insurance premiums are more expensive, and the leverage ratio is lower than that of one-year accident insurance.

Accidents are everywhere, and children are a group with a high incidence of accidents, and we must pay attention to this.

Daddy does not recommend everyone to buy life insurance for children, because firstly, children do not bear the main responsibility of the family, and secondly, the amount of life insurance for children on the market is relatively low, which cannot play a role in small and large.

All in all, children's critical illness insurance, medical insurance and accident insurance are what every child should be equipped with, and they can play a role in resisting risks.

Hope daddy's is helpful to you!