Ms. Yang’s son is now 6 months old. She wants to buy insurance for her annual payment of 2000-4000 yuan. She hopes to get serious illness, accident, medical care, etc. It is best to attach an education insurance, mainly to protect By the age of 25 or 30, the payment period is expected to be around ten years.
Insured for children, mainly for critical illness protection and education, can be used for long-term investment and financial planning if economic conditions permit. The 0-year-old baby is very suitable for any planning, young age and low rate.
It is recommended to choose Corning's regular 100,000 insured amount (annual premium 1290 yuan) + Xue Ping Insurance (80 yuan per year) + Fulu baby who does not accumulate risk insurance amount as a way of saving education.
From April 1 this year, the maximum death insurance for minors cannot exceed 100,000. After the insurance for the 100,000-guaranteed Corning regular severe illness insurance, parents can prepare education for their children according to their own needs.
Through insurance to solve the education fund, the effect of compulsory savings and special funds can be realized. If it is an exemption clause, it is the best choice. After the insured loses the ability to work, the remaining premiums do not have to be paid, but The child’s insurance continues to be valid and the money is received as usual.
The order of insurance should be accident insurance, medical care, serious illness, and investment and wealth management. Premium control is best at 15%-20% of annual income, and the amount of protection is 5-10 times your annual income. It is also important to choose a responsible agent and a strong insurance company.
The birth of each child adds a touch of color to this colorful world, and is undoubtedly the brightest in his parents' eyes! With the baby, many people will think of buying insurance for their baby, but in the face of a dazzling array of insurance products, they feel that they can't start.