It is recommended to buy sickness insurance for your child first, and then consider income insurance, such as annuity dividend insurance, which is the education fund and pension that the salesman tells you you can do for your child. The annual premium paid by a family should be about 65,438+00% of the family's. If your family is in good financial condition, family members don't like investment in funds and stocks, and want to ensure a stable income, then you can invest 20% of your annual income in insurance. I don't recommend any more, because insurance is protection, so we can't let protection become a burden, can we? As for what to buy, you can look at several products. If you don't know them, you can find someone who knows insurance and is more reliable as a staff member to help you.