Give children some attentive matters of buying insurance

Give children some attentive matters of buying insurance
The child is crystallization of the love, all parents want to give children good life, so many families have bought the insurance for the child. Then when it is that the child buys insurance, what items should we pay attention to?
While buying the insurance for the child, a lot of parents are not familiar with the way among them. In fact only grasp the following four items.
First - protect adults
A lot of parents think that it insures child first to buy insurance for children, in fact this is wrong, the family should protect parents first while insuring, protect children again. According to this order, once parents meet accident, the child loses the economic source, also can get economical help through the insurance.
Second, exempt clause need to pay attention to
While buying the insurance for children for the child, had better choose the products with exempt clause. It is reported, usually in the insurance for children, the exempt clauses all stipulate, within indentured period, if the insured meets accident or loses the ability of paying the fees for some reasons, can exempt the premium not paid, and the insurance policy coverage to the assured is still effective.
Third, the special fund should be specialized
Confirm the expenses used for buying the insurance, must allocate a fund for its specified purpose. Financing objective reached and already fixed that so can not merely be effective, wait until the child has grown up, this will be a very considerable education money.
Fourth, do things within the limits of one's own resources
The intersection of juvenile and insurance that period buy than grow up, cheap generally usually, too is very much economic, still can let children ensure very in the childhooding. Parents should choose the insurance products according to the real revenue. Family that have lower incomes might as well consider personal insurance kind, the intersection of income and relatively higher family can also choose if insurance of the sharing out bonus type.
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