随着80后成长为社会中坚力量，越来越多的80后青年开始扮演起为人父母的角色。但是，孩子给家庭带来喜悦的同时，也带来了压力，超过八成以上的年轻家长们感到抚养孩子的经济压力太大。调查显示，74.7%的人感觉教育支出已是城乡普通家庭的极大负担。中荷人寿相关专家指出，80后夫妻应提早准备教育金。

Along with 80 grow into social force，More and more young began after 80 plays the role of parenthood。but，The child to family brought joy at the same time，Also brought pressure，More than eighty percent of young parents feel raising children economic pressure is too great。survey，74.7% of people feel education spending has urban and rural households is great burden。Hollywood related experts point out that in life，After the 80 couples should prepare JiaoYuJin。

　　中荷人寿相关专家指出，随着如今的教育开销越来越大，孩子的教育问题就更需要年轻的父母提早规划起来，选择一种稳健的理财方式来储备资金。一般情况下，孩子满月后就配置相关功能的保险产品，每年固定缴纳一定保费，即可保障孩子在不同阶段的资金需求。

Hollywood related experts point out that in life，With the education spending more and more now，The child's education problem requires more young parents early planning up，Choose a steady financing to reserve funds。In general，After the full moon child is related to the insurance product configuration function，Every year pay insurance cost must be fixed，Children can guarantee in different stages of the financing needs。

　　上述专家提醒，为防止意外发生时的续保能力，建议父母选择可以具有一定免交功能的险种。即在缴费期间，如果自己因意外或者疾病发生不测身故或残疾，则以后各期的保费全部免收，孩子同样可以获得保障和分红，免除后顾之忧。

The expert reminds，To prevent the accident happened agreed ability，Recommends that parents choose can have certain functions of the coverage。Namely during capture，If because accident or disease his premature death or disability，The future periods premium all exempted，Children can also obtain safeguard and dividends，Exempt from trouble back at home。

　　专家建议，80后年轻家长由于成长环境原因，观念出新，很多人并不希望由于孩子的到来而将自己拴住，降低生活水准。尽早为孩子做好规划、通过保险转移压力风险不失为一项好的选择。另外在抚育子女的过程中不追求奢侈、培养他们良好的习惯及独立的性格，这样既不会委屈了孩子，自己也不会沦为他们的“奴隶”，真正做到让将来的生活“安然无忧”。

Experts suggest，After the 80 young parents because growth environment reasons，New ideas，Many people do not want to because the arrival of their children will be tied down，Lower living standards。For the children do planning as soon as possible、Through the insurance risk transfer is a pressure good choice。Also in the process of supporting children do not pursue a luxury、Cultivate their good habits and independent character，Such both neither can injustice children，Oneself also won't sink to their“slaves”，Really make the life of the future“Enron pillow”。

　　本报记者苗慧

Our correspondent MiaoHui