The children's education fund is for children. The dividend income of the child before adulthood can be dominated by the guardian, but after the child reaches adulthood, you can change the dividend account with the child and directly change it to the child's name. There are two kinds of beneficiaries of dividend-paying education funds. The beneficiary of the dividend is the child himself, and the name of the beneficiary you refer to is your name, which belongs to the beneficiary of the death pension after the death of the child. You are the insured and the beneficiary is designated by you. The money is yours when the child is here, and it is yours when the child is not. Your ex-wife can only control dividends for a short time until the child reaches adulthood. It is recommended not to surrender. If you surrender according to the cash value, your loss will be great!