Which is better, Wisdom Star Children s Universal Insurance or Pacific Children s Insurance?

Wisdom Star has been discontinued, and the first similar product is Ping An's Zhiduoxing.

There is no good or bad insurance product, only that is more suitable for you, you have to choose the product form according to your own needs, life insurance health protection products, if you do not consider the exemption from liability, it is recommended to choose the universal account as the education fund savings, but the universal account must be a universal account that does not charge any fees, otherwise the cost is too great.

The purchase of insurance should first pay attention to the professionalism and integrity of the people, and then consider a suitable product, because there is an insurance law to protect the interests of users, so finally consider the insurance company.

Hello, it's a pleasure to serve you! Wisdom Star has been upgraded to Smart Star, breaking the limitation of 100,000 children's main insurance of the Insurance Regulatory Commission, according to customer needs, the main insurance is 150,000 to 1.5 million, and the critical illness is 120,000 to 500,000.

Pacific All kinds of red additional juvenile wisdom limited investment, receive every year, enjoy a lifetime of blessings every year, premium return, flexible options, fund security, longevity, university education, entrepreneurial marriage leave, children's future worry-free, pension, receive for life, enjoy the quality of life in old age, dividend compound interest, resist inflation, and share professional business results.

Pacific Xiaowei is here to help.

Hello! You can learn about Taikang.

Is it? There will be a lot of surprises!

There is no good or bad product, only the one that suits you is the best.

Xueba talks about insurance, focusing on insurance evaluation! Before buying children's insurance, it is recommended that you take a look at this comparison table:"Comparison Table of 136 Popular Children's Critical Illness Insurance in China".

Wisdom Star is a children's insurance from Ping An, which is a universal insurance.

First of all, let's talk about what is universal insurance. It is a kind of financial management + protection insurance, and the main insurance is generally financial management.

In the ** population, this kind of protection covers everything, which can not only provide support such as education funds, wedding funds, pensions, etc., but also provide universal insurance for critical illness, death, accidents, etc. But the universal risk is really not a panacea, you will know it after reading this article analyzing the wisdom star:"When you don't know, how much money did Ping An [Wisdom Star] deduct from you".

We don't blow it or black, but evaluate it objectively:

First of all, let's take a look at the content of Wisdom Star Financial Management.

It accrues interest on the money that the customer deposits each year into the policy account. In this way, the customer can earn a part of the money every year, which is still possible.

However, fees are deducted every time you deposit. The first five years are %, respectively, and from the 6th year, 5% is deducted each year.

At the same time, its guaranteed interest is not high.

Let's talk about his guarantees.

The basic benefit of the death benefit is 100,000 yuan plus the policy account value, and the specific policy account value depends on the insurance contract you purchased. The most important critical illness benefit for health protection is only 80,000 yuan of the sum insured, and it is shared with the death benefit of the main insurance, which means that after you make a claim for critical illness, you will only have the basic sum assured of the main insurance of 20,000 yuan.

Therefore, I don't particularly recommend that you buy the insurance of Wisdom Star, which is not cost-effective. If you mainly want to buy insurance for your children, it is best to buy all the health protection insurance such as critical illness insurance and medical insurance, and then buy financial insurance. Here are some critical illness insurance products suitable for children, which are relatively cost-effective, and those who are interested can take a look

"Great deal! Top 10 Value Children's Critical Illness Insurance in 2020

Hello! Wisdom Star Insurance Education Reserve and flexible collection. The education fund needs to be planned in advance, and the time for receiving the wisdom star is flexible and the amount is independent. You can take a look at the specific function introduction of Wisdom Star (, listing the protection content and insurance strategy of this insurance and the suitable group!)

When the child is 15-17 years old, he or she will receive 4,000 yuan per year as a high school education fund, and 18-21 years old will receive 10,000 yuan a year as a university education fund, and a total of 60,000 yuan can be received.

Hope it helps!

What kind of insurance is Wisdom Star Children's Universal Insurance?

Ping An Wisdom Star Education Fund Insurance Plan consists of Ping An Wisdom Star Whole Life Insurance (Universal), Ping An Wisdom Star Advance Payment Critical Illness Insurance, Ping An Worry-Free Accidental Injury Medical Insurance (a) or (b), Ping An Worry-Free Waiver Critical Illness Insurance (b), and Ping An Worry-Free Waiver Critical Illness Insurance (c).

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). The age of application must be 0 years old (refers to a baby who has been born for 28 days and has been discharged from the hospital in good health) to 17 years old.

Fixed-term payment of 5000 and below, minimum payment of 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 if the premium is not paid after the expiration of the deferred payment period, the policy will become invalid.

1. The insurance is only valid when it is under insurance. That is, with personal protection and critical illness protection, it is impossible to withdraw the cash value, and if you take it, there is no protection.

2. After 10 years of payment, there is no need to pay again, if the policy is surrendered, the cash value will be increased. If you don't take it, the amount in the account will be deducted from the annual protection cost, and as long as there is money in the account, you will always have personal protection and critical illness protection.

3. Because there is payment, there is money in the account, and the cost of security can be maintained, so there is security.

4. It can be understood that the value in the account generates interest to maintain the cost of protection.

5. After a hundred years, the benefits obtained are 100,000 personal guarantees and dividends.

Hello, Wisdom Star is a universal insurance that has been discontinued. Xueba has evaluated other alternative products:The 10 most worthwhile children's insurance points!

The main insurance liability of Wisdom Star is multiple protections, and the amount of insurance can be adjusted: the basic amount of insurance for the main insurance is 100,000 yuan, and the basic amount of insurance for critical illness is 80,000 yuan. At the same time, it has the function of premium waiver, and within the agreed waiver insurance period of 15 years, when the policyholder unfortunately dies, becomes disabled or has a critical illness agreed in the contract, and the child unfortunately has a critical illness as agreed in the contract, the remaining premium will be paid by Ping An Company, and the protection will remain unchanged.

But it's worth noting that universal insuranceNot for everyonePurchase. Take this Ping An Wisdom Star as an example:

1.The main insurance is universal insurance, and the part of the settlement interest rate that exceeds the minimum guaranteed interest rate is uncertain;

2.The return on investment above the minimum guaranteed interest rate is uncertain and the actual policy account benefit may be lower than the illustrative benefit level;

3.There is an agreement to add insurance benefits;

Compared with universal insurance, parents should configure these insurances for their children:What insurance should children buy? A must-see for parents!

It is even more noteworthy that before the child is insuredParents should pay attention to the following:

1.Remember the principle of "adults first, children second"!

For children, the protection of insurance is far less powerful than that of parents. Parents are in good health, and all accidents and illnesses have a solid backing. If the parents fall, the family will become a source of water, not to mention the health and illness of the children, and it will be difficult to maintain a normal life.

2.The sooner you buy, the more cost-effective.

Generally speaking, the younger the child, the cheaper the payment and the sooner the child will be covered.

That's all for me"A detailed explanation of Ping An Wisdom Star Children's Universal Insurance? "All of them, I hope it helps you!

Hope!

Xueba said that insurance, only help parents who want to buy the right insurance for their children! This year, the comparison table of 136 best-selling children's critical illness insurance has been updatedand click Claim Now.

What insurance should I buy for my child?

This problem has always been a problem that stumps tens of millions of parents, today let's take a good look at how to buy insurance for children so as not to be pitted! Keep these three tips in mind:

First, health insurance is essential, and so are children!

After the child has a household registration, he can go to apply for neonatal medical insurance (medical insurance for urban and rural residents), whether it is a major illness or a minor illness, the basic medical insurance is particularly important, which is why medical insurance is called the first type of national insurance.

Second, commercial insurance gives priority to critical illness insurance + medical insurance + accident insurance.

First of all, critical illness insurance, choosing it can provide us with a longer 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 other associated problems, such as falling behind because of illness, or some irreparable losses in subsequent life, all of which require a lot of cash to make up. Buying a pure protection critical illness insurance can just solve these problems in the future.

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, with an annual premium of one or two hundred yuan, you can buy an insurance amount of 10,000 yuan, which is very cost-effective.

Finally, to configure an accident insurance, children's accident insurance is very cheap, 200,000 yuan per year, only sixty or seventy yuan, can protect the child's accidental death, accidental disability and accidental medical liability, very cost-effective.

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 articleTeach you how to buy insurance for your child!

There has been a detailed introduction in , so I won't go into too much detail here.

According to the above insurance ideas, if you are configuring regular protection for your child, you can configure it for 1,000 yuan per year, and if you buy lifelong protection, it is only two or three thousand per year, which is very cost-effective.

That's all for me"A detailed explanation of Ping An Wisdom Star Children's Universal Insurance? "All of them, I hope it helps you! Hope!

Wisdom Star has been discontinued, and the alternative product is Wisdom Star.

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.

Critical illness protection of 60,000 is obviously insufficient (the significance of health insurance is not in medical expenses, but in the compensation for the decline in income and living standards brought by children's critical illness to the family) so we must try to make the child's critical illness protection adequate when the child is young and the premium is low. As for the investment income part of universal insurance, it is the icing on the cake. I hope you will endorse this philosophy

This is how it can be understood. However, the specific plan sum insured can be changed according to the actual situation.

Equal emphasis is placed on education guarantees.

At the same time, in order to allow children to obtain a sustainable and good education, we must also deal with the risks in life.

Coverage is flexible and adjustable.

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.

Premiums can be waived.

The love for children is unshakable and cannot be broken. If the policyholder or the insured person has a personal risk, it will have a significant impact on the family's finances and may result in the child's insurance plan not being completed. However, if the product is attached with a premium waiver, regardless of the death of the policyholder, the occurrence of total disability or critical illness agreed in the contract after the waiting period, or the critical illness agreed in the contract after the waiting period of the child, the remaining insurance premiums during the waiver insurance period can be exempted to ensure that the love for the child is realized.

Ping An Wisdom Star Education Fund Insurance Plan consists of Ping An Wisdom Star Whole Life Insurance (Universal), Ping An Wisdom Star Advance Payment Critical Illness Insurance, Ping An Supplementary Worry-Free Accidental Injury Medical Insurance (a) or (b), Ping An Supplementary Worry-Free Waiver Critical Illness Insurance (b, 2014), and Ping An Supplementary Worry-Free Waiver Critical Illness Insurance (C).

Program Features Educational Reserve Flexible Collection.

Multiple benefits The sum insured can be adjusted.

Premium waiver for hassle-free payment.

Example of insurance Mr. Wang, administrative manager of an enterprise (Class I occupation), 30 years old, happy to have a precious son (no social security). Hoping to prepare an education fund for Guoguo in advance and deal with his future life risks, so that the child can grow up carefree and enjoy a better future, he carefully selected and purchased the Ping An Wisdom Star Education Fund Insurance Plan for Guoguo.

He chose to pay for 15 years, with an annual premium of 7,000 yuan, and the insurance details are as follows:

Ping An Wisdom Star Whole Life Insurance (Universal) The basic sum insured is 100,000 yuan, which is adjusted to 10,000 yuan from the age of 60.

Ping An Additional Wisdom Star pays critical illness insurance in advance, with a basic sum insured of 80,000 yuan, which will be adjusted to 10,000 yuan from the age of 60.

Ping An Additional Worry-Free Accidental Injury Medical Insurance (a) The basic sum insured is 20,000 yuan, continuous.