18 years old, 22 years old and 25 years old are generally called education fund insurance or annuity insurance. Education fund insurance is a kind of insurance aimed at preparing education fund for children, which has both saving function and certain security function, and the withdrawal period is generally for children to reach adulthood. Annuity insurance is generally based on the survival of the insured, and the premium is paid on an annual, semi-annual, quarterly or monthly basis until the insured dies or the insurance contract expires.

Education fund insurance and annuity insurance have their own advantages and disadvantages, and the insured and the insured can choose insurance according to their actual needs.