Be careful about how you should buy insurance for your children

Xueba says insurance, focusing on product evaluation! There are many people who inquire about the content of the education fund, since everyone has the same doubts, then I will tell you what the education fund is, what a good education fund looks like, 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? 》

Protect before you manage your finances. I have listed the advantages and disadvantages of the education fund below, so you can take a look at it in detail.

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

High security and low risk

Earnings have not changed much

However, there are also some drawbacks to the education grant:

Low yields。The maximum predetermined income is 3 4%, which can only make a small amount of money;

Poor liquidity。The lock-in period is as long as more than ten years, and you need to pay on time year after year.

An education fund worth buying is excellent? Let me explain

The predetermined interest rate is higher

The purpose of buying education funds is to ensure that the current money can be fixed and valued, and in the future, the education that is still there can be guaranteed. The higher the predetermined interest rate of the product, the higher the actual rate of return will be。A one-time single payment, the sooner the better, this is the secret to increasing the rate of return.

Matching education gaps

The amount of time you will receive money in the future should correspond to the time when you need to spend the most money on education.

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.

What are the recommended education funds in the market? This information has screened out the content of the education fund evaluation with the highest yield on the market, which can be referred to before buying:"Evaluation of the 8 Education Funds with the Highest Yield in 2020! 》Hope!

Xueba says insurance, only recommend insurance that is really useful for children! This year, the comparison table of 136 hot-selling critical illness insurance for minors has been updated, click to claim now, I believe it can help you.

What insurance should I buy for my child?First, take care of the medical insurance first!

After the child is born, as long as the household registration is registered, you can immediately apply for neonatal medical insurance (urban and rural residents' medical insurance), whether it is a major illness or a minor illness, the basic medical insurance is particularly important, so this must be handled for the child.

Second, the three types of commercial insurance, critical illness insurance + medical insurance + accident insurance, should be configured together after handling medical insurance.

Start with critical illness insurance, which provides coverage for a long time (up to a lifetime). In addition, critical illness insurance can directly pay a large amount of cash after getting sick, which can not only solve the problem of medical expenses, but also solve many hidden problems in the future, such as children who delay their studies due to illness, and even some subsequent life losses, all need money, and all need money to solve these troubles. Buying a pure protection critical illness insurance can solve these problems.

In addition, medical insurance can be used to reimburse the medical expenses of children's usual medical treatment, for example, with a 0 deductible hospitalization medical insurance, the insurance amount of 10,000 yuan is only 1,200 yuan per year, which is very practical.

Finally, accident insurance, children's accident insurance is very cheap, as long as it is sixty or seventy yuan a year, you can buy 200,000 yuan of protection, which can protect the child's accidental death, accidental disability and accidental medical liability, which is quite cost-effective.

Third, don't buy both types of insurance for your child!

Don't choose life insurance for your child, and try not to consider critical illness insurance with both liabilities attached. The specific reasons I know are in this answerHow to buy child insurance without being cheated? You'll know when you see it!

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 configure regular protection for your child, you can get it for about 1,000 yuan per year, and if you buy lifelong protection, it is only two or three thousand per year, which is low and real.

That's all for me"How do I buy education insurance for my child? "

The high tuition fees make many parents prepare a future education fund for their children in advance. There are two aspects to pay attention to when buying education insurance:

1.Whether the payment period is during the child's education. Most education insurance insurance stipulates that the payment period covers 3 years of high school and 4 years of college, and the child is not up to 25 years old.

It is often seen that consumers buy education insurance for their children, but they take out lifelong financial insurance, and the education fund becomes the child's pension.

2.Be sure to also take out a premium waiver rider. Prevent accidents from adults affecting children's future education.

This rider** is very cheap, and when an adult dies, becomes disabled or becomes seriously ill due to an accident, the insurance company will waive the unpaid premiums and the benefits remain unchanged, which ensures that the child's future education will not be affected by adults.

What kind of education do you want your baby to receive? How much money do I need to prepare?

What are the existing financial management methods for families?

These must be clear first, in order to better establish a long-term education fund reserve plan for the baby.

The education fund reserve can be divided into two needs to be set aside separately.

Rigid demand – the necessary tuition fee for schooling.

You can reserve flexible demand through financial instruments with high security such as bank savings and education insurance - tutoring classes, tutoring, key school sponsorship fees, study abroad and other expenses can be used to reserve high-yield financial instruments such as fixed investment, investment-linked insurance, etc.

Beijing life insurance planner, if necessary, can help you analyze it specifically!

Community medical care and student insurance must be enrolled!

Education insurance is for high school and college preparation, and you can prepare it according to the current level of expenditure, and then save it for many years according to the age of your child, and estimate the annual income.

Now there are many education insurances, such as the Hongyun children's insurance dividend type of Chinese Life.

It is not recommended to save financial management, like the kind that returns money once every two years and three years, and returns the principal at the age of 75.

Hope it helps!

The baby should be given an old and a small social welfare insurance, which is a commercial insurance within 90 days mainly to supplement the deficiencies in the welfare insurance, such as the medical expenses when the child will crawl and walk if there is a bump, if the baby needs to be hospitalized after the baby is sick, and if there is a major illness, these are the first things for our parents to consider.

After having these guarantees, we have to consider the overall income of the family, after having enough funds for the baby to consider the reserve of the education fund, the time of saving the education fund we have to consider, and the time to receive it, the sooner the better, because China is 9 years of compulsory education, so we have been self-funded education since high school, so it is best to receive it from high school.

When considering these, we also need to consider the added value, the more added value, the better, this is the real less money, more work, right? If you want to know more about it, please leave your email, I will send you some information, I hope to have the opportunity to serve you.

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

How to buy insurance for your childFirst, children's medical insurance is essential!

Newborn medical insurance (urban and rural residents' medical insurance) is the national basic insurance, the child should be born immediately handled, whether serious or minor illness, the basic medical insurance is particularly important, this is the basic security benefits given by the state, must be handled well.

Second, after buying medical insurance, you can fully configure critical illness insurance + medical insurance + accident insurance in commercial insurance.

Let's start with critical illness insurance, which provides coverage for as long as possible. Secondly, critical illness insurance is paid directly in cash after getting sick, in addition to being used to treat diseases, it can also solve many hidden problems caused by illness, such as falling behind because of illness, or some irreparable losses in subsequent life, 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.

In addition, medical insurance can be used to reimburse the medical expenses of children's usual medical treatment, for example, a 0 deductible hospitalization medical insurance, with an insurance amount of 10,000 yuan, and an annual premium of one or two hundred yuan, which is very cost-effective.

Finally, let's talk about accident insurance, children's accident insurance is very cheap, and the insurance amount of 20w only needs sixty or seventy yuan per year, which can protect the child's disability, death and medical liability caused by accidents, which is very cost-effective.

Third, is there any insurance that I should not buy for my child?

Don't buy life insurance for your children, and try not to choose critical illness insurance with both. The specific reasons I know are in this answerHow 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 you configure regular protection for your child, you can get it for 1,000 yuan per year, and if you buy lifelong protection, it is only two or three thousand per year, which is quite cost-effective.

That's all for me"What should I pay attention to when buying children's education insurance? "

Hello, education insurance is a type of investment and financial insurance, the purchase of education insurance can effectively save the baby's future education funds in advance, has a corresponding protection effect, suitable for the needs of growing children.

Here are a few things you need to pay attention to when insuring your child:

First, the cost should not be too high. The child's insurance premium should be within the limits of the family's financial situation, and should not be blindly compared. Generally speaking, the child's premium expenditure should be around 10%-20% of the total family income.

2. The payment period should not be too long. For children, it is not recommended to buy products with a long coverage period, generally speaking, choosing an education insurance that covers the child until the child is 25 years old can meet the child's education needs.

Third, the guarantee is as comprehensive as possible. It is recommended to supplement the purchase of medical insurance and accident insurance for the baby, which is a type of protection insurance. Choose a comprehensive insurance plan that includes critical illness, accidental injury, accidental medical treatment, etc., so that your child can receive the most comprehensive care.

Since I don't know your specific situation and can't give a more specific answer, the right insurance for your child is the best insurance, I hope it will be helpful to you.

Looking at the payment period and the age of payment, the general payment period is between 10-20 years, and it is best to receive it at any time, or it can be received at high school, college, or marriage. Moreover, when purchasing children's insurance, it is recommended to add hospitalization and accident medical treatment, because the child's resistance and self-control are poor, and hospitalization and accidents may occur at any time.

Pay attention to whether there is protection, pay according to your own ability, and it is best to have a premium waiver.

Education insurance is a type of insurance that provides education corresponding insurance benefits for children at different stages of growth.

With the improvement of people's quality of life, coupled with the fact that parents attach great importance to their children's education, education insurance has attracted more and more attention.

What should I pay attention to when buying education funds?

1.Protect before you manage your finances

Friends who have read Daddy's article know that there is a very important principle of buying insurance, which is protection first.

Before you consider purchasing education insurance, you must first have medical, critical illness and accident protection.

Some parents do not hesitate to spend a lot of money to buy education funds for their children, but they ignore the basic protection and put the cart before the horse in the function of insurance, which is not advisable for the father.

2.Adults before children

When it comes to becoming parents, parents tend to focus on their children.

However, parents are the best umbrella for their children, and if parents don't have insurance when they need it, what will happen to their children's future?

Therefore, no matter what the budget is, you should first equip yourself with protection, and then gradually configure it for your children.

3.Premium waiver

When choosing education insurance, you should pay attention to whether the product has a premium waiver liability, and if so, Daddy recommends adding it.

In this case, if the parent is unable to renew the fee for some reason, it will not affect the child's protection.

4.Be aware of liquidity risk

Education insurance has a natural flaw, that is, it is relatively illiquid, unlike bank savings that can be deposited and withdrawn.

Moreover, the premium of education is generally relatively high, and once insured, you need to pay the premium regularly according to the contract.

Therefore, education is suitable for long-term investment, and it is necessary to be prepared to continue to invest.

Therefore, when choosing an education fund product, you not only need to consider the rate of return, see the terms of the product, but also combine the family situation and budget to allocate appropriately.

5.The sooner you buy, the better

Allocate education funds when children are still young, which means that the guarantee period is relatively long, and if the cycle is long, you can save in advance to reduce the pressure of paying fees.

Especially for long-term education funds, the sooner you buy them, the better the returns.

The essence of insurance is protection, and we should plan reasonably when buying insurance, first complete basic protection such as health insurance and accident insurance, and then buy education insurance.