Hello! It seems that you still attach great importance to children's education. In fact, preparation is the best at this time. There are many kinds of education funds in the market. At present, it is more suitable for you to recommend Xinhua to grow up happy children. As you said, you can prepare about 3,000 yuan a year and get lucky money every year until 18 years old, 6,000 yuan+bonus every year during college, 24,000 yuan+bonus for four years, 65,438 yuan+02,000 yuan+bonus for marriage, 40,000 yuan+bonus+final bonus for retirement, from insurance to 60 years old. However, it is reasonable to suggest that 10-20% of the total family income should be borne by insurance premiums. For example, when he is 0 years old, he pays 6800 yuan to protect 50,000 yuan every year, and the income growth account receives 2% of the first premium every year to 17 years old, which is 2448 yuan. University education grant: 18-2 1 year (50,000 yuan+accumulated bonus) ×30%×4 years, at least 60,000 yuan; Wedding money: 25 years old (50,000 yuan+accumulated dividend insurance amount) ×60%, at least 30,000 yuan; If you die before the age of 18, the current price of the premium paid is greater than the basic insurance amount+the current price of the accumulated dividend insurance amount+the final dividend; If 18 died unfortunately, it shall be refunded (50,000 yuan+accumulated bonus insurance amount) ×500%+ final bonus, at least 250,000 yuan. If the insured dies of illness or is totally disabled within one year after the contract comes into effect due to an accident, and his age is between 20 and 60 years old, the renewal premium will be exempted: when he is 60 years old, he will receive (50,000 yuan+accumulated bonus insurance amount) ×200%+ termination bonus, at least 6,543,800 yuan.