At present, the juvenile education fund insurance sold in the market includes not only the education funds for junior high school, high school and university, but also the start-up fund after work, marriage fund and retirement pension. From the perspective of product warranty period, it is mainly divided into lifelong and non-lifelong. Non-lifelong education insurance is generally a truly special education fund product, which means that the return of insurance money depends entirely on the children's education stage. Usually, the funds will be returned every year from the two important points when children enter high school and college, and the fees and account value will be returned again when children graduate from college or start a business, so as to help children get stable financial support at the important stage of education. However, life-long children's insurance takes into account the changes in life.