Educational deposits in banks are active deposits, which are sometimes forgotten or have insufficient motivation to save. In fact, saving an insurance company is equivalent to compulsory saving. If you don't pay the premium or surrender, the premium you pay will suffer.

When there is an economic property dispute with others, the bank deposit is the subject of compulsory execution by the court, and there is no dispute. There will be flexibility in the implementation of the policy, leaving room for not implementing it.

Savings can be withdrawn in advance at any time, with good liquidity. Education insurance cannot be withdrawn in advance before it expires, and the liquidity of funds is poor. Early surrender may lead to loss of principal.

The income of non-dividend education insurance is roughly equal to that of bank deposits, while the income of dividend education insurance is slightly lower than that of bank deposits.