A child, three and a half years old, wants to buy an education fund and medical insurance. What kind of insurance is good and cost-effective? Ask for recommendation!

Hello, it's my pleasure to serve you! Parents may need to know three things before buying insurance for their minor children: security first and income second. To buy insurance for children, the important principle should be "guarantee first, income second". There are many types of insurance on the market now, but they can basically be divided into three types: guarantee insurance, savings insurance and investment insurance. Because China's current medical insurance system does not fully cover children, and children are weak and have a high incidence rate, in order to protect children's health and safety, so that families will not fall into financial difficulties because of children's illness or accidents, when buying insurance for children, we should first buy insurance for children, such as medical insurance and accidental injury insurance, followed by education savings insurance, and then consider buying insurance with investment function for children when we have spare time. It is worth mentioning that it has become the choice of many parents to use the characteristics of some long-term insurance to plan their children's education funds and plan a long-term guarantee for their children. Education subsidies often need to be accumulated for a long time, ranging from 5-8 years to 10- 15 years. If things come to an end and temporary preparations are made, the amount of children's education funds, especially the cost of going to college, will often make many parents feel at a loss. Therefore, the sooner you help your child buy savings insurance, the easier it is to accumulate education funds. It is precisely because of the importance of children's education fund that in the process of preparing education fund for children, we should pay special attention to the stability, safety and risk avoidance of fund accumulation, and try our best to choose the accumulation method of fixed income to ensure the safety of funds. For example, Taiping Life's "Fushou Lianlian" is such a dividend insurance product, and its insurance liabilities include survival insurance, death insurance and birthday insurance. As a long-term insurance wealth management product, it can preserve and increase the value and plan the cash flow of life on the premise of ensuring the safety of funds, which is especially suitable for parents to buy for their children and prepare long-term stable and continuous cash flow for their children. It is understood that "Fushou Lianlian" has been sold since 2008, and 80% of the policies are insured by parents for their children. Fushou Lianlian can not only make plans for children's education funds, but also prepare marriage funds, venture funds and pensions. Its cumulative interest-bearing function can meet the capital needs of customers in different life stages. As long as the customer chooses not to receive the survival fund, the company will accumulate interest and compound interest on it every year, and the customer can receive it in installments when needed. For details, please contact QQ or telephone. I wish you a smooth work and a happy life!