I. Information classification of education annuity insurance products.
1, non-life type
This kind of product has the characteristics of earmarking, which is specially set up for children's education fund. Life-long products have relatively low premiums and are suitable for most ordinary working families. Mainly in high school, college and above, children can start to receive education funds, and children can receive insurance money in one lump sum after graduation from college.
2. Lifelong type
Obviously, such products will protect children's lives, including children's financial needs at all stages of life, such as school, entrepreneurship, marriage and pension. The corresponding premium is naturally much higher, which is suitable for high-income families to make life plans for their children.
Second, the purchase instructions of education annuity insurance
1. Plan as early as possible to avoid missing the insurance period.
Generally, the education annuity insurance in the market is not accepted for people over the age of 13. Interested parents must plan ahead in time. In addition, if you buy education annuity insurance as soon as possible, you can enjoy a longer payment period and reduce the pressure of paying insurance premiums, and the earlier you buy, the lower the insurance premiums.
2. Analyze the family situation and choose products according to actual needs.
It is suggested that parents should make a rough analysis of family income and children's future education expenditure before purchasing education annuity insurance, and predict the approximate time and amount of large capital expenditure in the process of children's growth.
3. Clear exemption clauses to protect personal rights and interests.
Accidents will happen. None of us have the ability to predict risks, so when buying products, we should know whether the products have premium exemption clauses and specific implementation conditions. Choose products with premium exemption clauses. When parents encounter misfortune, they can not only waive the follow-up premium, but also will not interrupt their children's protection plan.
4. Basic guarantee comes first, and education guarantee comes second.
Health is the capital of revolution. Before buying education annuity insurance for children, first complete accident insurance and health medical insurance, and give priority to protecting children's health.
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