Everyone enjoys a childlike innocence pension insurance, which not only provides master's degree options, but also can choose the exemption function of the insured independently, which has attracted the attention of many parents.
Sister Xue will share with you the evaluation of this product and help you see if this product has configuration value.
In a hurry, you can click the following link to get the evaluation results:
"Is the childlike children's annuity insurance suitable for everyone? Let me tell you ... "
First, everyone enjoys the innocence of children's annuity insurance.
Look at the product protection chart before the evaluation, which will help you quickly understand what seniors have to say:
According to the information provided by the protection map, we can see that the Innocent Children's Annuity Insurance not only provides education funds, but also provides death and maturity insurance benefits for the insured, and also supports optional policyholders' exemption, which provides an extra guarantee.
The above is just a simple summary of this product by senior sister. Next, the senior sister will introduce you to the insurance content and insurance rules:
1, optional policyholder exemption
The exemption of the insured means that if the insured has an insurance accident agreed in the contract, the insurance company will not charge the premium after the accident, which can transfer the economic pressure of the insured.
The product also provides an optional exemption for the insured. Before the age of 60, if the insured suffers from accidental injury agreed in the contract, resulting in death or total disability, the premium payable in the later period may be exempted. However, it should be noted that the insured and the insured are not allowed to be the same person, otherwise this guarantee content will not work.
2. Adequate insurance premium in the education stage.
This product also covers the guarantee of university education fund and master education fund, and also includes the continuous improvement of children's academic qualifications in the future. The receiving period of education fund covers not only four years of university, but also the guarantee of postgraduate study, so that the funding demand of higher education can be met. Compare this product with similar products that only provide university education funds, and you will find that the protection of this product is more comprehensive.
Parents who want to buy annuity insurance for their children but don't know enough about annuity insurance can read this article:
"Annuity insurance? Is there anything to pay attention to? Do you have any good products? 》
Second, let's start with the precautions before everyone enjoys the childlike innocence annuity insurance.
1, with a narrow age range.
Xinxiang Innocent Children's Annuity Insurance allows people who have been born for 28 days to 12 years old. In other words, minors aged 13~ 17 cannot choose to apply for this product. Compared with similar products whose insurance age range is set from 0 to 17, the insurance age range of this product is much narrower.
2. The insured has no total disability protection.
This product only has death protection, not total disability protection. In fact, in addition to death protection, total disability protection is also more important. There is no complete disability protection. If the insured really had an accident, fortunately, he didn't die, but he was totally disabled. At this time, the insurance company will not pay the insurance premium. All expenses for total disability treatment and follow-up living security shall be paid by the insured and his family. Therefore, if the residual protection is not preserved, the protection of this product is not sufficient.
3. The guarantee period is short.
Innocent children's annuity insurance only guarantees the insured to the corresponding effective date of the policy year corresponding to the age of 25. However, some products on the market can provide protection until the insured is 30 years old. Compared with this kind of products, the warranty period of this product is shorter.
On the whole, the new childlike innocence annuity insurance has some places worth seeing, such as the exemption of optional policyholders and the adequate guarantee of education funds. However, there are also some defects, such as the lack of total disability protection and the narrow age range of insurance. If you want to find a more comprehensive and practical insurance friend, Senior Sister still suggests that you compare other products. Senior sister has compiled a lot of premium and generous education annuity insurance. You can choose the best one:
"The latest! The eight education funds with the highest rate of return in 2022 have been selected ~ "
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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