[Abstract] Wang and his wife have their own insurance. They are now preparing to purchase child insurance for their 1-year-old children, paying attention to their protection in critical illness, education and medical care, and caring for their children's growth. It is recommended to insure the future of AIA Gold.
Original Author: Shanghai International Assurance Wu Chengming
Insured's information: Wang Xiaoyou, a 1-year-old child, has an average monthly income of 0 yuan, focusing on major illness insurance, child education, other medical insurance.
Mr. Wang, 30 years old, has a stable job with his wife and has a lovely son of 1 year old. Both husband and wife have a good sense of insurance, buy insurance at the beginning of their work, and gradually increase insurance as their income rises.
But the insurance for the baby son has not been determined.
One is because children's major illness insurance often contains the responsibility of death, can not exceed 100,000, or need to be attached to the main insurance, can not be purchased separately.
Second, because the general return rate of education gold products in the market is too low, the guaranteed part is not much more than the money paid, but simply uses the uncertain dividend to attract attention. For this reason, Mr. Wang also read a lot of insurance content, knowing that dividends are generally distributed using cash value as the base, so during the early payment period, dividends will be few.
So hesitated and still didn't buy it.