The most important thing to buy an education fund is the rate of return, not the insurance company.

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Below, I will recommend an education fund that is worth buying!

It is the dream future education fund of Hengan Standard Life.

This product can be purchased for children aged from 30 days to 12 years, and the guarantee period is until the child is 22 years old.

After insurance, you can receive 100% of the insured amount as survival insurance every year during your child's 18-2 1 year old, that is, when you go to college; When the child is 22 years old, he can receive a certain percentage of the premium at one time.

The specific proportion of payment due depends on the age of the child at the time of insurance, as follows:

①0-2 years old: 150% of the premium paid; 3-5 years old: 130% of the premium paid;

②6-8 years old: 1 10% of the premium paid; 9- 12 years old: 100% of the premium paid.

If the child dies or is permanently disabled during the protection period, the death/permanent disability payment shall be paid according to the larger of the insurance premium paid minus the generated survival fund and cash value.

The product also supports rights and interests such as policy loans and insurance relief, so that the invested funds also have certain flexibility.

Take a 0-year-old boy as an example. I chose to pay 66,000 yuan every year for three years, and calculated its IRR. The IRR is as high as 3.90 1%, which is very close to 4%, and the performance is very good!

Generally speaking, the dream future education fund is very suitable for insuring children. If you miss the education fund every day, don't miss it again ~

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