Reliable. The key is to see which insurance you choose. Ping 'an Children's Dividend Education Gold Insurance includes the old-age security for peace of mind, which can be paid for ten years and collected in twenty years, and the dividend benefits are counted separately. Ping An Jixing's dividend insurance can be paid for ten years, and 30% of the annual premium will be returned to 75 years old in two years, and the dividend benefits will be calculated separately.