Should I get an educational insurance?

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I consider geting an educational insurance for my child a good move to prepare for his future but pre need companies in the Philippines go bankcrupt left and right. Should I still get an educational insurance? Here are a few links about the situation of educational insurance companies in the Philippines: http://www.pcij.org/blog/?p=872 http://www.yehey.com/finance/level3.aspx?id=75444 http://www.nenepimentel.org/news/20060518_Plan_holders.asp