From the perspective of product warranty period, it is mainly divided into life-long type and non-life type. Non-lifelong education fund insurance generally belongs to the real "earmarked" education fund products.

The return of insurance money depends entirely on the child's education stage. Usually, every year, the funds will be returned at two important time points when the child enters high school and university, and then the fees and account value will be returned at one time when the child graduates from university or starts a business, so as to help the child get a stable financial support at every important education stage.

However, lifelong children's insurance will take into account the changes of a person's life, and education fund is only one of the considerations.

Extended data

The insured objects of the education insurance fund include 0- 17 years old (that is, babies who have been born for 28 days and have been discharged from hospital healthily); Some insurance companies provide education fund insurance for children aged 30 days to 14.

The advantage of education insurance is that it has both savings and security functions. Under normal circumstances, the insured can not only pay a certain amount of education money on schedule after a certain age, but also provide the insured with the advantages of accidental injury or illness death and exemption from death or high disability premium. The disadvantage is that it can not be withdrawn in advance in the short term, and the liquidity of funds is poor. Early surrender may lose the principal.

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