Can Zhixing Insurance give 15 enough money?

Yes, Ping An Wisdom Star is a universal insurance designed for teenagers and children (it has been discontinued at present). As a universal insurance, Wisdom Star has the characteristics of flexible access. /kloc-after 0/5 years of payment, you can withdraw money in one lump sum if necessary. At this time, the accumulated value in 15 has basically equal to or exceeded the principal, and it has also been guaranteed in 15, so it is a good choice to withdraw the principal. Ping An Wisdom Star can receive the principal after paying 15 years. I can go to Ping An Insurance Company with the relevant contract. However, it is stipulated in the insurance that I can only receive annuity insurance according to the contract if the insured is over 60 years old. And if you withdraw the money in advance, it will be regarded as surrender. Please pay attention to the insurance regulations before collecting it.

However, as a combined product sold offline, the main risks of this product are life insurance, additional critical illness insurance and accidental medical insurance. This product also has death+critical illness insurance+accident protection. As a life insurance, its guarantee effect is not outstanding; As an investment product, its income has no advantage.

Insurance limit: According to laws and regulations, the death of children aged 0- 10 shall not exceed 200,000, and the death of children aged1-17 shall not exceed 500,000. In other words, even if the insurance premium is cheaper than that of adults, due to the limitation of insurance coverage, it is of little significance and cannot resist inflation. Suppose that in whole life insurance, the basic insurance coverage is 200,000 yuan at the age of 0, and the child dies at the age of 75. According to the future average inflation rate, the current 1 000 yuan may be equal to 485 1 yuan in ten years, that is, less than 5000 yuan. Ten years later, this 200,000 yuan will be reduced by half to 654.38 million yuan. At the age of 75, this 200,000 won't be enough. Whole life insurance generally didn't need it before he came of age; Therefore, children don't need to buy life insurance too early, but at present, the whole life insurance market has two forms for children, one is to attach serious illness; The other is insurance financing, insurance financing. You need to choose according to your needs.