Before the child grows up, in different ways There are many fathers and mothers who are working hard to save up for school fees 。 While some families are saving in dedicated accounts and managing funds, the main one is still "Student Financial Insurance" Right. By accumulating money monthly, you can get a lump sum of money when you need it.
Therefore, this time, from among various student financial insurances, This time, I would like to introduce the six types of student insurance offered by Aflac, Mitsui Sumitomo Aioi Life, Fukoku Life, Tokio Marine & Nichido Life, and Meiji Yasuda Life in a ranking 。
In this article, we will discuss the
- What is the recommended ranking of student insurance?
- I compared the return rate and insurance premiums!
Let's take a look at.
table of contents
- 1 What is the recommended ranking of student insurance?
- 2 I compared the return rate and insurance premiums!
- 2.1 Meiji Yasuda Life Tsumitate Scholarship
- 2.2 FUKOKU LIFE's "Mirai no Tsubasa" S-type (step type)
- 2.3 Fukoku Life's "Mirai no Tsubasa" J-type (jump type)
- 2.4 Aflac's Dreaming Children's School Insurance
- 2.5 Children's Insurance
- 2.6 Children's insurance with interest dividends every 5 years (1 million yen plan)
- 3 Click here for insurance-related articles
- 4 Summary
What is the recommended ranking of student insurance?
Student finance insurance is an insurance policy that allows you to pay for tuition when you enter high school or university, or when you start working as a new member of society. Some of them accumulate exactly what you pay for, while others Some get you back more than you pay 。 The details vary depending on the age of the payer and the target person, the period of payment, etc., but you want to choose a more affordable student finance insurance.
In general, It is said that the tuition fee for one child is about 10 million yen 。 However, if you choose an all-private school, The cumulative cost can be as high as 20 million yen. ！ In addition to saving systematically, student insurance that can be saved regularly on a monthly basis will be a great help.
The student finance insurance we examined this time is as follows.
- Aflac: Aflac's Dreaming Children's Student Insurance
- MSI Aioi Life: Children's insurance plan with interest dividends every 5 years 1 million yen
- Fukoku Life: Fukoku Life's "Mirai no Tsubasa" J-type
- Fukoku Life: Fukoku Life's "Mirai no Tsubasa" S-type
- Tokio Marine & Nichido Life: Children's Insurance
- Meiji Yasuda Life: Meiji Yasuda Life Tsumitate Scholarship
This time, based on the information obtained from the official websites of each insurance, we compared the return rate and the total amount received. In the form of comprehensively advantageous student financial insurance at the top I will introduce it. Let's take a look at which student insurance is the best deal if you join under the same conditions.
I compared the return rate and insurance premiums!
Let's take a look at the student finance insurance, starting with the ones at the top of the rankings. This time The comparison is made when the contractor is a man in his 30s and the age of the child is 0 years old 。
The insurance period and the total amount received are different for each, so please check the numbers in the table in detail.
Meiji Yasuda Life Tsumitate Scholarship
・Official name: Meiji Yasuda Life Tsumitate School Fund
・Company: Meiji Yasuda Life Insurance
・Total payment: Approximately 1,921,230 yen
・Monthly insurance premium: 15,910 yen (for the payment period of 15 years old and the maturity age of 21 years old)
・ Insurance premium payment period: 10 years old / 15 years old / lump sum
・Total amount received: 2,000,000 yen
→ receive congratulatory money at the age of 18, 19, and 20, and maturity insurance money at the age of 21.
・ Return rate: 104.1% (109.0% in the case of lump sum payment)
・Insurance period: Up to 15 years old
・Prenatal enrollment: Available from 140 days before the expected date of birth
FUKOKU LIFE's "Mirai no Tsubasa" S-type (step type)
・Official name: Fukoku Life's "Mirai no Tsubasa" S type (step type)
・Company: Fukoku Life Insurance
・Total payment: 2,074,680 yen
・Monthly insurance premium: 10,170 yen
・Insurance premium payment period: Up to 17 years old
・Total amount received: 2,100,000 yen
→ Receive congratulatory money at the time of kindergarten, elementary school, junior high school, high school, university, and adulthood, and maturity insurance money at the age of 22
・Return rate: 101.2%
・Insurance period: Up to 22 years old
・Prenatal enrollment: Available from 140 days before the expected date of birth
Fukoku Life's "Mirai no Tsubasa" J-type (jump type)
・Official name: Fukoku Life's "Mirai no Tsubasa" J-type (jump type)
・Company: Fukoku Life Insurance
・Total payment: 1,961,256 yen
・Monthly insurance premium: 9,614 yen
・Insurance premium payment period: Up to 17 years old
・Total amount received: 2,000,000 yen
→ receive congratulatory money at the time of university and maturity congratulatory money at the age of 22
・Return rate: 101.9%
・Insurance period: Up to 22 years old
・Prenatal enrollment: Available from 140 days before the expected date of birth
Aflac's Dreaming Children's School Insurance
・Official name: Aflac's Dreaming Children's School Financial Insurance
・Company: Aflac
・Total payment: 3,116,880 yen
・Monthly insurance premium: 14,430 yen
・Insurance premium payment period: Up to 18 years old
・Total amount received: 3,000,000 yen
→ Receive it in your first year of high school, first year of university, second year of university, third year of university, and fourth year of university.
・Return rate: 96.2%
・Insurance period: Up to 18 years old
・Prenatal enrollment: Available from 140 days before the expected date of birth
Children's Insurance
・Official name: Children's Insurance
・Company: Tokio Marine & Nichido Life Insurance
・Total payment: 2,344,896 yen
・Monthly insurance premium: 10,856 yen
・Insurance premium payment period: Up to 18 years old
・Total amount received: 2,000,000 yen
→ Receive it at elementary school, junior high school, high school, and at the age of 18
・Return rate: 85.2%
・Insurance period: Up to 22 years old
・Prenatal enrollment: Yes
