Core Viewpoint - The article discusses the financial anxiety parents face regarding the costs of raising children, particularly focusing on education expenses and the role of education endowment insurance in alleviating this concern [1][2]. Group 1: Child-Rearing Costs - The average cost of raising a child aged 0-17 in China is approximately 485,000 yuan, while the cost from birth to university graduation averages around 627,000 yuan [1]. - Education expenses are highlighted as a significant and unavoidable part of child-rearing costs, categorized as "rigid expenses" that require careful financial planning [2]. Group 2: Education Endowment Insurance - Education endowment insurance is defined as a type of annuity insurance that provides financial support for children's education at various stages of their development [3]. - The coverage of education endowment insurance products varies, often including not only funds for undergraduate and graduate education but also for entrepreneurial and marriage expenses after entering the workforce [3].