First, abide by the principle of "being near before being far, being urgent before being slow". Risks that are easy to occur in childhood should be insured first, and risks that are far away from children should be insured later. There is no need to buy it all at once, because insurance is also a kind of consumption, which will change according to the specific situation.

Pay attention to safety before education. Many parents spend a lot of money to buy education insurance for their children, but don't buy or ignore accident insurance.

Third, protect adults first, and then protect children. Children are given priority in insurance, but adults themselves are ignored. This is the most serious misunderstanding. Adults are the economic pillar of the family and the best "umbrella" for children. If you only buy insurance for children and adults don't buy it themselves, then when an adult has an accident, the family is likely to get into trouble.

Fourth, the insurance period should not be too long. You can concentrate before your child is underage, and when your child grows up, you can choose the insurance that suits you, but the protection period can be relatively long.