Protection target: Child 2, parents want to prepare a child's education in advance, but do not know how to choose.
The current education of children's education insurance is mainly divided into two categories:
First, the traditional education annuity insurance, such as 18 (usually the age of college) began to receive each year, for four consecutive years. There are still 25 weeks to receive insurance money, so the amount of insurance received is fixed and the guarantee is clear.
Second, the current hot universal insurance, or investment in joint insurance, investment in value-added as a reserve for future education, but it has certain risks, and can not guarantee the value of the increase, and the first five years of higher deduction costs, generally need Medium- and long-term continuous contribution investment may be effective, and of course the income opportunity may be greater than the traditional education annuity insurance.
The following two aspects should be paid attention to when purchasing education insurance:
First, whether the payment period is during the child's education period. Most of the education gold insurance contract terms include 3 years in high school and 4 years in college, and no more than 25 children at the latest. It is often seen that when a consumer purchases an education insurance for a child, he or she is insured for a lifetime financial insurance, and the education fund becomes a child's pension.
The second must also cover the additional insurance premiums. Prevent accidents of adults from affecting the child's future education. This additional insurance price is very cheap. When an adult suffers from an accident, a disability or a serious illness, the insurance company will waive the premiums that have not been paid, and the protection benefits will remain unchanged. This ensures that the child's future education will not be affected by the adults. .