2. There are two main types of education grants: one is the traditional education annuity insurance, such as 18 years old (generally the age of going to college), which starts to be received every year and ends for four consecutive years. There are also people who receive insurance benefits at the age of 25, so the amount of insurance is fixed and the protection is clear. At present, universal insurance or investment-linked insurance, which is hot in the market, is used as a reserve for future education in the form of investment appreciation, but it has certain risks and cannot guarantee the value-added amount.