After the expiration of 5 years, it will be refunded on the refund date. According to Wismai Insurance Network, in the description of China Merchants Cigna Children's Dividend Education Fund, the payment period of children's education gold insurance is 5 years, 8 years, 17, and the purchase period is 5 years. After the expiration of five years, it will arrive at the refund date, and it will arrive at the account within three working days after the refund. China Merchants Cigna Life Insurance Co., Ltd. is a Sino-US joint venture life insurance company featuring health insurance. At present, the shareholders of both parties are CIGNA Group, a fortune 500 company, and China Merchants Bank.