Childrens education insurance modern people pay more and more attention to education, so many parents will plan their future education path for their children during their infancy. Everyone hopes that in this increasingly competitive society, we can strive for a capital that can lead to a better life for our children. At this time, education insurance is particularly important. Of course, some parents will ask, is it suitable for children to buy children’s education insurance? Today, I will take you to learn about children’s education insurance .
1. Why buy children’s education insurance
Now, many parents are born in the 1980s and 1990s, and this generation pays more attention to their children’s education than their own parents. Many people will choose various cram schools or interest classes for their children, which is not only to improve the children’s academic performance, but also for the children to have better development in the future.
From birth to university graduation, a child needs at least 200,000 education expenses. If there is a plan to study abroad, the cost will be higher. However, the money parents earn is not only used to pay for education expenses. Family expenses are actually various. If the proportion of education expenses is too large, it is very easy to cause family pressure, and in the event of an accident in family economic expenses, it will also affect education. cost.
This is where education insurance is particularly important. The emergence of education fund insurance is to provide education funds for children . The protection model of education fund insurance is to first establish a special account for children, and then the insured (parent) will pay a certain premium to the special account, and wait until the child has educational needs. receive education benefits.
2. What are the benefits of configuring children’s education insurance
1. Stable and safe
Children’s education fund insurance is an asset management insurance. Once parents establish an education fund protection plan for their children, they need to pay the agreed amount on time every month or every year, which can avoid parents’ irrational consumption leading to children’s education expenses to a certain extent. insufficiency occurs. In other words, children’s education insurance is a stable and safe way to reserve assets.
2. Special funds
Children’s education fund insurance is an insurance product that must not start paying the education fund until the time specified in the contract. This is a very important feature of education fund insurance. It is very effective to ensure that children’s education funds will be paid on time, and there will be no situations such as self-reserve education funds being misappropriated in an emergency.
3. Exemption function
Education fund insurance can usually be additionally exempted, that is, the insured (parent) suffers from a major illness during the payment period, or loses the ability to pay due to accidental death or disability, and subsequent premiums can be exempted, while the education fund insurance contract is still valid. You can continue to enjoy coverage.
Every child is a parent’s treasure. In addition to taking meticulous care of the child in life, parents should also fully consider the child’s future education. Therefore, it is suitable to buy a children’s education insurance for children. Buying a children’s education insurance can allow children to face future education calmly and lay a solid foundation for a better life.
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