Traditional education annuity insurance how it actually has two major advantages

Now a lot of parents are very worried about their children's education costs, always afraid that they will not have the ability to pay for the child's tuition fees, which affects the child's education, so a lot of insurance companies have launched a traditional education annuity insurance, the purpose is to give parents to solve this problem, so for the traditional education annuity insurance do you understand? What are the advantages? Insurance companies which is strong, I just happened to organize the relevant content, I hope it will help you: the latest list! The top ten insurance companies in the country

What is traditional education annuity insurance

This is a dedicated insurance, only for the child to provide education money, not for other purposes, for the child to provide junior high school, high school, college education costs, so that parents do not have to worry about the cost of their children's education. What are the children's major illness and critical illness insurance with good coverage? Which ones are cost-effective? Which is the most worthwhile to buy? Let's take a look at the top 10 insurance companies hot selling children's major illnesses and critical illnesses insurance inventory

Traditional education annuity insurance advantages

1, dedicated, mandatory savings

Traditional education annuity insurance, the establishment of a special account for the child, dedicated to the child's education, just like what we usually said, the pension, specifically for retirement. It's like what we usually call a pension, dedicated to old age; like a provident fund, dedicated to buying a house. Parents know that the child's education costs are not low, so you have to save for your child's education, but in the usual time to save for education, it is always unable to save, today you want to buy a TV, tomorrow you want to buy an air conditioner, unknowingly the money is spent, the education fund is no longer available. If you buy a traditional education annuity insurance for your child, the education fund will not have to worry about, but also to help parents to save money, because once this insurance is established, you need to pay the premiums on time every year, do not pay, can only be withdrawn, the withdrawal of the policy will have financial losses. So if you buy the wrong insurance, do you want to surrender, surrender how to surrender to not lose money? Buy the wrong insurance can be refunded? How much money can be refunded? How to surrender the full amount of insurance?

2, cultivate the child "in peace and security" mentality

Nowadays, most of the children under the protection of parents, already do not know what is a "disaster", that there is no accident in the world will happen, think everything will be very smooth, in fact, in the parents of the purchase of education. In fact, when parents buy education insurance, the child should know that the future is a lot of unknown changes, there may be parents will be sick, there may be their own illness, once these unexpected circumstances, may lead to not have enough money to spend on education costs, so the child should have "peace of mind" mentality, no matter what age they are. No matter what age they are, they should plan for the future and not just live in the present.

Buying a traditional education annuity insurance pay attention to a few things

1, to add the premium waiver function

What is "premium waiver", it means that when the insured person because of some circumstances lead to the death or total disability, unable to pay the rest of the premiums, the insurance company through the premium waiver function. When the insured person is unable to pay the remaining premiums due to death or total disability, the insurance company will waive the remaining premiums through the premium waiver function, so that the protection of the insurance for the child still exists. Why do we need to add this function? Because this insurance is a long-term investment, need to pay premiums for a long time, and as the insured person is the child's parents, there is no guarantee that in the payment of premiums during this period of time will not occur death or total disability, in case it really occurs, at least this insurance can still provide protection for the child, so that the child still have money to go to school, so that the parents can really do without worrying about the future.

2, the premium should not be too high

How much the premium is paid, it is necessary to combine the family's economic situation, according to the parents' income, and the parents' income can not be guaranteed to remain unchanged forever, and perhaps the parents' income in two years there will be some changes, so in the payment of this insurance at the beginning of the premium should not be too high, so as not to the parents in the future in the event that the income of the parents to become less, so that they do not have to be helpless, the phenomenon of not being able to pay the premiums. The company's website is a good place to find out more about the company's services, and it's a great place to start.

As an example, Xiao Li worked in a state-owned enterprise, before the company's efficiency is quite good, Xiao Li's monthly salary is 6,000 yuan, so at the beginning of the Xiao Li combined with their own salaries, to buy a traditional education annuity insurance for children, the annual premiums need to pay 7,000 yuan, just after three years, that is, now, Xiao Li is the company's efficiency is getting worse and worse, facing the closure of the state, Xiao Li is now only able to buy a traditional education annuity insurance, the annual premiums need to pay 7,000 yuan. The state, Li now can only get 1,000 yuan a month of minimum living security benefits, and the face of the child's annual premium of 7,000 yuan, Li feel the pressure is very big.

3, taking into account the function of protection

Parents can not just focus on the child's education, but should pay more attention to the child's health problems, the child will be sick, there will be an accident, regardless of the occurrence of diseases or accidents, may require a large sum of money to support, so parents in the purchase of traditional education annuity insurance for children, additional accident insurance and health care insurance and other protection types of insurance, to give the child's personal a protection. the child's person a protection.

Combined with the above introduction, I believe we have a certain understanding of the traditional education annuity insurance, in the purchase of this insurance, parents should know three things: try to add a premium waiver function, the premium should not be too high, and take into account the function of protection.