Having children is the joy of boundless happiness of parents. But with that comes the heart of how to best care for and protect your child from this worrying life. Now, with the desire to develop in the best conditions and with the best health care, many parents have come to life insurance through the practical value that it brings. Life insurance is the best financial solution because of its versatility and comprehensive protection, whereby both parents save money and save money for their children. your future.
It is easy for parents to add life insurance for children under 6 years of age because: Parents know that infancy to age 6 is an important stage in the development of the baby, the baby is fragile from the body to the soul. Children in this age have immune system, resistance is weak so they are more susceptible to respiratory infections, helminthiasis, diarrhea, skin diseases ... Baby may be sick at any time, can have many diseases at the same time and very expensive hospital fees, so should always prepare the financial reserve. Parents also understand that although children under 6 have free health insurance but limited coverage and services. While the health of the baby can not wait, but need to take care of the fastest, best service to not be affected later. And life insurance is a way for parents to create conditions for their children to receive the best services whenever they are sick, illness, problem solving, periodic health checkups and cost reduction. ... And parents are clearer than anyone else, the journey is still very long, not only need to take good care but also to accumulate the path of learning, later career. On the other hand, risk is low but still increasing. Increased traffic accidents, theft of life or irreversible injury to many. This is also a time of severe disease outbreaks: food poisoning, environmental pollution, work pressure ... causing more and more people infected. The rate of cancer soars, causing great losses for the sick family and society. We do not know who is at risk, and when. Unfortunately, one day, parents are at risk, then life insurance will be a friend to protect and accompany children as adults. Taking life insurance is a way to protect your child's future, providing additional livelihoods if the risk arises, as Harish Mishra has said: "It is not for someone to leave, but to join. life insurance for our loved ones need to continue living. Life insurance for children under six is a very necessary step that parents should consider. Thanks to the help of insurance services, the children will always receive the best care conditions in health, education, is developed in both good and mental. Providing solid foundation for children in the future, but also helping parents get some financial support. Pay attention when buying life insurance for children under 6 years old Participating in child life insurance is essential and urgent. However, parents should consider the following to choose the right product: Age of participation: With life insurance, the sooner you join, the less expensive you will be and the more likely you will be to get involved, as early as possible, and if you have plans, consider taking Feeding your baby in the womb. Participation Benefits: In addition to basic benefits such as financial security when risk occurs, saving money for your child's college education, a reasonable fee can be made for parents to opt-in. Supplementary products for more comprehensive protection of the child even if the parents are unfortunate at risk such as: Waiver fee for the insured, life support expenses ... Fees: When buying insurance for children, parents need to choose monthly premiums that are appropriate for their financial situation, avoiding "broken" in the middle of the road. How much to pay is usually 5- 10% of regular income. In addition, parents need to include the risk of not paying the fee, if you can not pay the fee, can extend and maintain the contract or pay 10 million later not pay enough 10 million more Is that money covered? Another way to charge premiums is to estimate how much you and your family are going to need to insure the money and deduce the cost. But many people will get confused by who wants as much as possible but the time to charge too highWaist is.
Time to pay: Depending on the purpose for which each family chooses different payment periods. For the purpose of selecting a premium payment period, parents need to pay attention to the level of protection provided by paying a 10 year lifetime premium of up to 99 years of age, which is naturally better than paying a 15-year premium but protecting only 70 years old. Beneficiary: is the individual or organization designated by the policy holder to receive the sum insured under the policy in this case children. Face value of protection: The main function of life insurance is to protect the financial when the risk occurs. Therefore, it is necessary to consider the amount that BHNT Company pays to the customer when the risk occurs (face value protection). It is true that the face value of protection is always proportional to the premium: the higher the premium, the higher the protection. However, you should not choose protection value too high, at this time you will be very tired because the fee exceeds the financial ability, should not choose protection value too low, because the amount is too low will not be enough. Solve problems if the risk occurs. This is important when buying life insurance for your baby. Here are some things to keep in mind when selecting a baby insurance product and to minimize the time spent learning, comparing and selecting, here are the list available for parents to easily select the best product:
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