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Data:2009-12-12 2:34
Mrs. Chang's son, born just want to save education. Insurance experts recommended to Mrs. Chang A, B two products. Mrs. Chang found that two kinds of products, premiums vary widely. If you want to insure 50,000 yuan to buy A product, they have to in 15 years, 12 yuan a day to save her son. B Product A product is only the burden of daily half, only 6 yuan deposit, but the longer payment period of 3 years. Is A product B product must be better than good? Mrs. Chang noted that the original A product concentrate even more on the protection of policyholders, B products have been even more emphasis on taking into account the interests of both insurers and the insured. Both products also have focused on insurance coverage.
Insurance experts say that an insurance policy must be based on their own personal needs, because of the need insured. In general, parents insure their children mainly in the following needs: First, tackle their children's medical expenses, especially in seriously ill medical expenses; 2, raising educational fund; 3 to ensure that children in their parents be able to live a normal life after the accident. In addition, the return on the insurance should also be clear, is to focus on being insured (children), or focus on the protection of the insured (parents) protection.
Experts suggest that as children are advised to purchase insurance to protect the main type. The education-based children's insurance, for example, experts believe that the form of the insurance for their children an education fund, on the one hand the purpose of mandatory savings can be achieved; the other hand, many insurance companies are the education-based children's insurance fund and their children of education the death to protect the design together, compared to a simple savings or investment channels funds to purchase insurance for more children's educational-type layer of support functions.
Precisely because of this, financial experts believe that parents, if only from the "guarantee their children a normal life" perspective, in order to insure their children when the children should not even an "old age" are arranged. Insurance experts believe that after the formation of adults, children, their families, have their own income and accordingly will make its own insurance plan, parents consider their children too much but will add a certain extent, the whole family expenses. Experts suggest that for children to buy insurance, the insurance amount could be considered for the insured's own 5-10 times annual income; premium income for the insured to 10% -20%.
