18 years old, 22 years old, 25 years old, paying back the money is called education fund insurance. Education fund insurance, with a certain saving nature, can be used to provide insurance for children and reserve education funds or marriage and start-up funds for the future. Such insurance products usually have both protection and savings functions. Generally speaking, the withdrawal period of this kind of education gold insurance can only be taken out after the child reaches adulthood, that is, on the condition that the insured survives, the insurance money is paid every year, every six months, every quarter or every month until the insurance contract expires. The definition of insurance can be divided into narrow sense and broad sense: broad sense insurance: no matter what form of insurance, it can be summarized as follows: insurance is an act of gathering many units and individuals with similar risks to provide insurance economic security to a few members who suffer economic losses due to the occurrence of such risk accidents in the form of reasonable risk sharing; Narrow sense insurance: what people usually call insurance is narrow sense insurance, that is, commercial insurance. According to the People's Republic of China (PRC) Insurance Law of the Chinese government website, the term "insurance" as mentioned in this law refers to the commercial insurance behavior in which the insured pays the insurance premium to the insurer according to the contract, and the insurer bears the liability for compensation for property losses caused by accidents agreed in the contract, or when the insured dies, suffers from disability, illness or reaches the age and time limit agreed in the contract.