1. Guarantee education
In the case of serious illness or death, the insured is exempt from paying the follow-up premium, which is paid by the insurance company, and the children can receive the money to complete their education.
When a child suffers from a serious illness and loses a serious illness, the premium is exempted and the subsequent premium insurance company pays. The payment for serious illness does not affect the value of the account, and the child can still receive money to complete the education.
Education insurance fully considers that children are vulnerable groups and possible risks, and it is the most humanized of all insurances.
2. It can be matched with serious illness and medical insurance.
Universal insurance can supplement medical insurance, and daily ailments can be reimbursed. It can be combined with the current million medical insurance, reimbursement of major disease treatment expenses, additional critical illness insurance, and early payment of agreed diseases.
3. You can get part of the account value.
Children don't have universal insurance when they go to school. It can be partially obtained from the beginning of insurance, but it is not conducive to the accumulation of universal account value in the early stage. It is not because the funds are tight that it is not recommended to receive it too early.
4. The insurance premium can be deferred.
Wisdom Star can pay the premium 10 years later, and the payment pressure is relatively small.
Extended data:
Every insurance product is not absolutely good or bad, and it needs to be combined with family situation.
Different products have their own characteristics, and there is no difference between good and bad. The key is to suit yourself, and what suits you is the best. It will be very troublesome to choose products without knowing your own needs, and it is difficult to choose the right one. Buying insurance is the same as buying other things. First of all, you need to know what you need, and then find the right product according to your own needs. The probability of buying the wrong one is much smaller. Buying insurance should vary from person to person, according to one's ability.
For example, children's insurance is relatively simple to consider, mainly health insurance and serious illness hospitalization accidents. On this basis, education insurance is considered.
Wisdom Star is universal insurance, and education fund, marriage fund and pension fund are recommended by the agent, which will not be stated in the contract, and you need to receive them according to the balance of the universal insurance account. This money can't be taken out at one time, but it will be taken out by children at a certain age.
The biggest and only advantage of this kind of insurance is that the amount of life insurance and the part transferred to the universal account can be flexibly adjusted. Agents may exaggerate and mislead when recommending because the yield of this product is relatively limited. Recently, the China Insurance Regulatory Commission strictly ordered the removal of a number of universal insurance products.
The definition of universal insurance is to take out a sum of money every year, part of which is used to pay the initial expenses, part of which is used to buy protection, and the rest is left in the account to earn interest. Later, if the money in your account is not enough to pay the security, you may face the possibility of lifelong payment.
The policy value of universal insurance is floating and cannot be accurately predicted. At that time, the specific policy value shall be subject to the actual amount.
You can make an estimate by referring to the demonstration data in the plan and the monthly settlement interest rate announcement of universal insurance before.
For details, please consult the agent or call the official hotline of Ping An at 955 1 1.
The official website of China Ping An Life Insurance Company of China Insurance Company-Ping An Wisdom Star Education Gold Insurance Plan