Children's Day, buying insurance for children is put on the agenda by many parents. Most parents can't wait to buy all kinds of children's insurance products, and build a tight-fashioned "safety net" for their children's growth. As everyone knows, as the pillar of the family economy, parents should first buy insurance for themselves.
Misunderstanding 1: There is no insurance for the child. "If the parents are unhappy when the child is underage, what should I pay for the child's living expenses and tuition?" Yang Jing, a branch child insurance expert, told the reporter that he bought the insurance for the child. There is no guarantee, this is the biggest misunderstanding.
The child buys insurance for the child, and the mood can be understood, but the method is wrong. Because the child's insurance is subject to continuous payment, if there is no insurance that can be exempted from liability with the adult or the adult does not have insurance, if the illness or death fails to work, then the child's insurance payment is likely to be interrupted, resulting in at least half of the loss.
When purchasing a child's insurance, you should also remember to choose the additional premium waiver feature. Premium exemption, as the name suggests, in certain circumstances, the insured can no longer pay the follow-up premium, but the insurance contract is still valid, the most common is the "significant illness premium exemption" or "death or total disability premium exemption".
Myth 2: Don't buy insurance for children. Just one of the "three generations of rich" Zhang Mingle children do not know, in order to discuss the insurance for him, my mother and father almost hit. His father thinks that there is money in the family, and he can't spend it in his life. Just keep it for him.
Insurance, that is the small amount of money that the average family can calculate. However, the mother has a very different attitude: only insurance is reserved for children. It is difficult to determine the future direction of cash, and it may become a car, consumer goods or other, and may be "successful" in the middle.
Yang Jing told reporters that after solving the problems of major illness and education money, families with good economic conditions can purchase additional insurance for life-long dividends, such as dividends, which can avoid taxation and avoid future The division of the property of the child before marriage.
Buy suitable insurance for your child. How do you plan and purchase insurance for your child? The reporter learned that there are only three types of insurance for children: child medical care, health insurance, education insurance, and investment insurance. Usually before the child 18, the child's death insurance is required to be less than 100,000, so the child can not buy a high death and serious illness protection, the amount of insurance is about 200,000 or so. Secondly, it is necessary to use investment-based insurance such as savings and dividends to lock up some high school, university, and study abroad education funds for children.
How much is it reasonable to deposit each year? Insurance planner Yang Jing told reporters that children from 0 to college graduated at the most basic education cost of more than 700,000. If you study abroad after university, you must reach more than 1.6 million. A family can save the child's targeted savings at least 2,500 per month to complete the child's basic education. It is recommended that the child's high school, college, and tuition fees for studying abroad be about half of the insurance, and the rest will be realized with education savings and fixed investment funds. .
North Vice-President Fang Zhinan told reporters that the annual average premium for children's insurance purchased is not as good as possible. The average annual premium generally accounts for 15% to 20% of the family, which will not bring too much pressure on the family finances.