1, China Life Xinyu Children's Annuity Insurance (dividend type)
China Life Xinyu Children's Annuity Insurance (dividend-paying type) is specially designed for children. Through the combination of special survival fund and annuity, children are guaranteed to thrive. Through the combination of education insurance and entrepreneurship insurance, children can focus on moving forward and be carefree in the critical period of their lives.
At the same time, this product is rooted in the child's childhood. Throughout the child's life, whether it is the care money after old age or the annuity received every year, it will be taken care of like your love for the child. Xinyu children, come for love, light up the road of life and harvest the golden future.
2. Children's National Life Insurance Product Portfolio (Exclusive Edition)
Children's National Life Insurance (Exclusive Edition) is an innovative children's insurance product portfolio launched by China Renshou. The insurance product portfolio covers major diseases, specific diseases, childhood diseases, death, premium exemption and many other functions. It can build a comprehensive risk barrier for children and escort their healthy growth.
3. Child Life Insurance Product Portfolio (Extreme Edition)
The product portfolio covers major diseases, specific diseases, childhood diseases, death, premium exemption and the conversion of death insurance benefits into annuity benefits. With China Life, the whole family is happy.
4. China Life's products for students and children.
China Life's series of products for students and children provide children with comprehensive protection against serious illness, accidents and death, as well as outpatient expenses, hospitalization expenses, supplementary medical care and deferred payment.
Extended data:
Buy child insurance
When choosing insurance for infants or preschool children, we should not only pay attention to ensuring as comprehensive as possible, but also abide by the following five principles:
1. Insurance order: adults first, children later.
In a family, parents are the mainstay of the family economy. Only when parents' health and stable economic income are guaranteed, the protection of children is not empty talk. The annual premium paid for children should not exceed that of parents. If you can't take care of both, you should give priority to adults.
Both husband and wife still have financial strength after purchasing appropriate insurance. They should first consider buying medical expenses and accident insurance for their children. If the economy permits, you can also consider taking out savings insurance and education savings insurance. Buying endowment insurance for children should be the last consideration. Of course, the earlier you buy, the lower the cost.
2. Payment period: not too long.
For insurance products purchased by parents for their children, the payment period can be concentrated before the child is underage. When he grows up, he can choose the insurance that suits him.
3. Warranty period: not too long.
It should be noted that as parents, children's insurance coverage does not need to be so high. The scientific method is to buy some accident insurance, medical insurance, children's critical illness insurance and education funds for children.
4. Don't exceed the insured amount.
Children's insurance with death as the compensation condition, such as term life insurance and accident insurance, shall not exceed 65,438+10,000 yuan, and the excess shall be deemed invalid. The upper limit of insurance coverage is 654.38+10,000 yuan, which is a hard rule made by the CIRC to prevent moral hazard.
Don't forget to buy additional insurance exemption.
During the contract period, if the insured has an accident or loses the ability to pay for any reason, the unpaid premium can be exempted, and the insurance protection for the insured is still effective.
China Life Insurance-Children Insurance