Is it worth investing in dividend insurance? Critical illness insurance is divided into dividend insurance, and investment protection is correct. The classification of education fund insurance is mainly divided into life-long type and non-life type from the perspective of product guarantee period. Non-lifelong education fund insurance generally belongs to the real "earmarked" education fund product, that is to say, the return of insurance money depends entirely on the children's education stage. Usually, every year, the funds will be returned at two important time points when the child enters high school and university, and then the fees and account value will be returned at one time when the child graduates from university or starts a business, so as to help the child get a stable financial support at every important education stage. However, lifelong children's insurance will take into account the changes of a person's life, and education fund is only one of the considerations.