Century Angel Kids Insurance How much can a child spend on college or marriage

The exact number is difficult to determine, because the actual dividend is uncertain.

Customers can refer to the data in the proposal, but only for reference.

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.

This is stated in the insurance policy. If you are not sure, you can ask your insurance broker.

Specifically, you need to refer to the Recommendation before you can see the data.

Please call the insurance company's customer service for ** consultation.

Ping An Century Angel Children's Endowment Insurance is a whole-life insurance for both of them, that is, the insurance contract is equal to the life of the insured. 20 years refers to a payment cycle, not the expiration of the insurance contract, after 20 years, the principal cannot be recovered, only the survival and dividends generated by the policy can be received. If you choose to surrender the policy, you can only surrender the cash value of the policy, which will cause a corresponding loss to the customer.

In a long-term life insurance contract, the insurance company usually needs to deposit a certain amount of liability reserve in order to fulfill its contractual obligations, and when the insured requests to terminate or surrender the policy for any reason during the validity period of the insurance, the insurance company will return the balance of the liability reserve minus the cancellation deduction to the insured according to the regulations, and this part of the amount is the cash value of the policy.

The policyholder should bring the policy, ID card, and bank card to the insurance company's customer service center to handle the surrender.

Normal Surrender: Surrender beyond the cooling-off period is considered as normal surrender. Normal surrender generally requires the policyholder to submit an application for termination, and the life insurance company shall refund the cash value of the policy within 30 days from the date of receipt of the application.

The cash value of a policy is the amount of money that can be returned in the event of termination or surrender of the life insurance contract.

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

Pay. Ping An of China launched a children's insurance with a high lifetime survival benefit and high death protection after adulthood.

According to the latest market research, children's insurance ranks third among the various insurance needs of urban residents in China, after health insurance and pension insurance, and children's accidents, health and education are the top concerns of parents. On July 31 last year, Ping An of China launched the Century Angel Children's Insurance (Participating) to provide children with lifelong care in Gyeongju with a unique high survival pension and high death protection after adulthood, resolving the above three major problems and solving problems for parents.

Liu Zhijian, assistant to the general manager of Ping An Life, told reporters that the product is a return-type dividend insurance, and children aged 0-17 can purchase the insurance, with a minimum premium of 5,000 yuan, and a survival fund of 12% of the basic sum insured will be returned every three years, and additional dividends will be enjoyed; When the child reaches adulthood, he or she will also receive a death benefit that is three times the basic sum assured, providing lifelong protection for the child. This insurance can choose from four long-term payment options: 10 years, 15 years, 20 years and up to 18 years old, which is very suitable for families with children.

Insurance must be bought from children, the smaller it is, the cheaper it is, and the higher the income; And this is also the biggest and most meaningful courtesy to give to the child in his life, even if your child is 80 years old in the future, you are gone, he can still get money from the insurance company, and the moment he receives the money, he knows that the money is given by his parents; As long as the child is there, even if you are no longer on earth, he can feel your love; No matter how much money you have, it is not as important as the health of children, and no matter what you invest in, this money is not as stable as children's insurance;

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