Is children’s education insurance worth buying?

Whether children’s education insurance is worth buying is mainly determined by one’s own needs and economic situation. Children's education insurance is generally divided into the following two types:

1. Traditional education annuity insurance: This kind of insurance provides education funds for children in junior high school, college, and high school, and does not have other investment functions. This type of insurance has relatively low premiums and is suitable for people with average financial circumstances.

2. Dividend-sharing education insurance: It uses investment appreciation as a reserve for future education. It not only provides education funds for children, but also has an investment dividend function, which can obtain additional income. This type of insurance has relatively high premiums and is suitable for those with better economic conditions.

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