Education insurance, investment insurance, who is more suita

In general, you may wish to pay more attention to some traditional education insurance for special funds. If you have certain economic ability and risk tolerance, you can pay more attention to investment insurance for children's education gold reserves. Traditional education insurance: special-purpose but lack of value-added suitable types: The average level of households For many, insured education insurance is mainly to force the accumulation of education costs, so that children can not afford to pay for education when they study, the insurance company first developed The pure education gold insurance can actually achieve this purpose-specific purpose, providing education costs for junior high, high school and college, such as life insurance for children (A) and insurance for children's music. Advantages: The premium burden is relatively light. Compared with some insurance-related insurances that include health insurance or extend the insurance payment period to the stage of marriage and employment, the pure education insurance premium burden is relatively light. Taking the average wage of employees in 2007 as an example of about 30,000, the annual premium for insurance for education insurance can be between 1500 and 3000. Disadvantages: lack of value-added Low risk determines the low return of pure education annuity insurance. At present, the annual rate of return on education annuity insurance is generally around 2.5%, which is even less than savings. For example, the child education insurance (A) of Life Insurance, the child of 0 pays 15 years, the annual premium is 1744, and the insurance amount is 20,000. A total of 24,000 education funds will be received in the future, and the total premium paid will be 26,160. Investment-linked insurance plan: High profitability and flexibility Suitable Type: Have certain economic ability and risk tolerance, and pursue higher education income. In view of the current lack of investment return on traditional education policies, some insurance companies have recently developed and sold some investment-linked insurance plans for children's education gold reserves, which can be fully enriched while enjoying investment income based on their own risk tolerance. Educational funds reserve. Advantages: The income is not capped. The income of the investment-linked insurance “does not guarantee the bottom is not capped”, and the cash value of the policy is completely determined according to the actual investment yield. For example, Ms. Li is insured this year for her newly born daughter, “Children Wealth Investment Link Insurance”, paying 10,000 annual premiums (including 2500 basic insurance premiums), basic insurance amount 50,000, and paying additional insurance every two years. The fee is 16,000, 5 additional times, and the total payment is 10 years. Ms. Li paid a total of 180,000 premiums, calculated according to 5% of medium income. In the ninth year of insurance, the personal account value has reached 183,361, which exceeded the total premium paid by the plan in advance. When her daughter went to high school, she had already invested in the insurance account. There are 266,189 education gold reserves, and 18 college education reserves. In addition to the opportunity to achieve higher returns, another major advantage of investing in education for investment insurance is flexibility. Parents can increase the premium or adjust the amount of insurance at any time within the prescribed scope according to their own circumstances. The largest investment in the type of investment insurance for children's education is different from the most common investment-linked products on the market. It is basically a period-paying product, especially during the period of stock oscillations, which can minimize the investment cost. Disadvantages: high returns without guarantees are inevitably corresponding to high risks. The income from investment-linked insurance is not fixed but not guaranteed. The investment risk is 100% borne by individuals. In the first quarter of this year, the “shared-type” account fell more than 20%, some have Close to 30%. The decline in the value of the investment-linked insurance account may affect the amount of the payment that can be obtained. Need to be reminded that the investment account and the protection account of the investment-linked insurance are sub-account management, and the reduction of investment income will not affect the minimum insurance liability of the policy. For example, if the insured amount is 50,000, after the death and total disability, no matter how much the value in the investment account drops, at least 50,000 can be paid.