《人一生中需要的6张保单》 The 6 most important policies in life

《人一生中需要的6张保单》

The 6 most important policies in life

第五张保单：少儿教育金 生小孩

Fifth policy: Education fund

结婚后，昔日的单身贵族开始面临对家庭的责任；生育小孩之后，子女的教育问题更是提上了主要日程。而教育费用的支出是一项刚性支出，有固定的时间限制，孩子18岁要上大学，一般我们会提前准备好教育基金，而不会对孩子说：“对不起，你可不可以晚两年再读？”

Everyone faces financial pressure once get married. The pressure is especially high when you have your first kid. An education fund is the top priority concern of everything. You have limited time to get the fund prepared for your children. Your children much get to college or university at their age of 18. Regardless, we must get the fund ready as parents would never tell the children to defer the studies.

准备教育金的方式有两种。一种是教育费用预留基金。举例说，在小孩1岁～20岁，每年交4500元，20岁可以返还12万元，以此保证专款专用。另一种方式是买一份万能寿险，存取灵活，可以做大额的教育储备金。

There are different ways to prepare the education fund. For example, during the children age 1-20, save a certain amount yearly and by end of the period you get back a big lump sum for the purpose. Another popular way is to get a multi-purpose savings policy that allow flexible savings and withdrawal for your education purpose.