> My husband and I are in the unit to work. Monthly income of a total of three thousand dollars more. Son three years old and 4 months. My husband and I have to buy insurance would like to buy his son an education fund insurance annual premium in three thousand yuan mercy. detailed insurance, various insurance companies have the basic, all classes of insurance education savings, mainly divided into two categories: one is the traditional education annuity, like 18 years old (usually college spring) began to receive an annual, four-year end, and another to 25 years of age, to receive insurance money, such insurance to receive a fixed amount of money to ensure a clear 2, is the market is hotter universal insurance, or investment linked insurance, which is generally a life insurance and portfolio investment accounts, life insurance part of the payment period are generally life-long protection period (like one-year warranty for one year is equivalent to payment, that is a symbol of protection on this point there is no loss at any time terminate the problem), but the life insurance part of the very small proportion of large investment account may be used (focus, if spring is greater, the higher the cost of life insurance protection, so the response to reduce the proportion of the investment account, so we generally do not recommend buying the larger universal spring risk), while the investment account can be disposed of policyholders can receive can be added so that the pattern for the intended use and very flexible-bodied, many parents give yourself such a universal insurance coverage to a particular stage of the child (such as universities, marriage, etc.) to receive all at once, or part of the collection, while their use as a retirement investment can continue to prepare, very flexible. focusing on the universal insurance have some investment risk, said the security of their low income, refers only to the investment account, and The initial fee paid after deducting the premium to remnant left before entering the investment accounts (net of investment account should also regularly part of the protection of life insurance costs, management fees), especially the first five years less a relatively high initial costs, such as basic premium the first year, the initial fee of up to 50%, year by year down to 5% of the sixth year, is the sixth year is useful to start investing, are generally at least ten years continuous investment before paying off or paying huge fees, far more than the basic pay (basic pay because more than a small part of the initial fee, so the actual proportion of the investment account is big). In short, time-consuming to pay more long-term payment of money between the greater was the more valuable here I can only help you sort things out, naturally there are many more types of insurance agents who recommend you for the acting, I believe clearly bought their own insurance to buy what is vital. six thousand a year from age 18 until the supply of 8 children Wan mercy of a dozen winners if you vote safely removed after 6000 because the annual payment 12,000 and then pay the minimum age of 18 can be 140 000 at least enough to use this baby has a lifetime guarantee and pension money when another leading qq283769985 hello! recommended reference to Pacific's "Angel growth plans." educational gold, serious illness and medical care. Do not be pushed around like 3,000 people Fudge>