Some questions cross parents' minds but remain unspoken. This is one of them. Not because they are pessimistic, but because facing it means acknowledging something uncomfortable: your child's future depends largely on your ability to keep working. That is not always within your control.
The question nobody asks aloud, but everyone asks themselves
When a child starts school, parents think about fees, uniforms and books. Very few think about what would happen if, halfway through that journey, they could no longer pay.
It is not a pleasant thought. But it is necessary. A child's education does not last one year — it lasts more than a decade. Many things can change during those years.
What situations can interrupt a child's education?
You do not need to imagine the worst. Several situations, some more common than they seem, can leave a family unable to pay for their children's education:
If the person supporting the household financially dies, income disappears suddenly. Without a prior plan, the child's education is the first thing affected.
A serious illness can leave a parent unable to work for months or permanently. Medical expenses accumulate while income falls or disappears.
Although this situation is not directly covered by the insurance, it illustrates an important point: continuity in education depends on the household's financial stability.
An accident that limits the ability to work can suddenly change a family's circumstances, without time to prepare.
What happens in practice
When a family loses its main source of income, priorities change immediately. Basic needs come first: food, housing and health. Education — with all its costs — takes second place.
Many talented children, eager to learn and with their whole lives ahead, have had to stop studying because their family could no longer pay. Not because they wanted to leave. Not because the school was poor. Not because the child lacked ability. But because the adult supporting everything was no longer there or could no longer provide.
This can be avoided by making a decision before anything happens.
A parent cannot guarantee they will always be there. But they can guarantee that, whatever happens, their child finishes what they start.
What is Education Insurance and how does it work?
VidaSEguros EG's Education Insurance is a life insurance policy designed to protect continuity in your child's education. Here is how it works: while you are able to contribute, you pay a fixed monthly premium. If you die during the policy term, your family receives the sum insured — the money needed for your child to continue studying without interruption.
It is not a bank product. It is not savings you can withdraw whenever you wish. It is a guarantee: that your efforts today protect your child's future tomorrow, even if you are not there to see it.
- You choose the sum insured according to your family's needs
- The monthly premium is fixed from day one and does not increase over the years
- VidaSEguros EG is the only authorised life insurer in Equatorial Guinea
- The first consultation and advice are completely free
- You can calculate your premium in seconds using our online calculator
Have you ensured your child can finish?
Enrolling your child is the first step. Ensuring they can finish is the second — and it is the step most parents forget until it is too late.
The new school year starts in September. Every month without cover is a month in which your family is unprotected. Call VidaSEguros EG today — the consultation is free and non-binding.
