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Hello, the insurance is not good, only suitable or not. What problem do you want to solve through insurance? Therefore, it is very important to give children a good insurance, and among them, different families also have different practices. First of all, for wealthier families, it is suggested that investment insurance can be considered as a supplementary preparation for education funds. The education fund insurance of each insurance company is collected at a specific time, so it cannot be collected at any time. It costs a lot of money for children to enroll in various cram schools after primary school, so there is a product that can be solved, that is, investment-linked insurance, flexible payment, customers decide the investment time and time, and the policy account is of high value. You can also withdraw money at any time, there is no handling fee, and it will not be too much in advance. Investment-linked insurance investment also has multiple investment accounts, which is equivalent to the institution helping you invest, and you can choose various investment accounts. Compared with the fixed investment of the fund, his income is relatively stable, the risk is relatively low, and there are insurance protection functions that the fund can't do. Secondly, middle-class families, whose family premium budget is less than 3,000 yuan, can consider buying dividend-paying whole life insurance additional life-long critical illness insurance and accidental injury medical insurance for their children. Because the children are young and the insurance premium is low, they can get lifelong major illness protection of about 65438+ 10,000. Compared with the previous health package, this insurance package is not consumption-oriented, and it can get a certain dividend to resist some inflation. However, it should be carefully considered when purchasing such products, because the CIRC has a limit on the insured amount for minors under 18, that is, children before 18. Finally, the lower class families. Families whose children's premium budget is 1 1,000 yuan may consider buying medical insurance for their children. Many companies have health package insurance with low premium, which can play a very good role in supplementing medical insurance. For example, Baokang Insurance of Prudential Life Insurance. Of course, many families are generous in insuring their children. If the annual budget is less than 65,438+0,000, it is recommended to consider comprehensive insurance, including the return of education funds, medical treatment for serious illness, illness and accidental injury. There is also exemption insurance for the insured's major illness. Using insurance to solve the problem of children's education funds may not be so big. It is characterized by stability and continuity and will not be used for other purposes. Children are our future, and education funds cannot be risky.