Experts advise your husband and wife to know everything about serious illness+accident+hospitalization. The baby's suggestion is that if you know the next auspicious year or Zhuang Yuanhong, you must add an exemption ... Consultation content: both husband and wife have social security, and the son is only 40 days old. We mainly want to consider the children's education fund, and only want Pacific insurance. The annual household income is 800,000 to 65,438+10,000. Ask experts from Taiping Life Insurance to help design the insurance scheme. Consultation User: Butterfly (Shenzhen) Expert Answer: Shenzhen Pacific Life Liu Lei first thanks you for your support and concern for our Pacific Insurance Company. Thanks ~! Both husband and wife have social security, but I suggest you supplement some commercial insurance, because you are the most direct insurance for your baby. Consider taking out education insurance for your baby. Your opinion is clear. There is an insurance that integrates education, venture capital, marriage and old-age care. Lifelong guarantee. Twenty years ago, it was 8% of the insured amount every two years, and after 20 years, it was 5% of the insured amount every year until life. Specific details still need your detailed information to design a suitable insurance. Because the insurance that suits you is the best. Just like we wear clothes, what kind of people wear what size clothes can fit us. Sun Xiaomin, Shenzhen Pacific Life, first of all, thank you for your trust and support to CPIC. But the one-year-old climb you mentioned has been discontinued. It is recommended that your husband and wife know about serious illness+accident+hospitalization. The baby's suggestion is to know that the next auspicious year or Zhuangyuanhong must be exempted! It is suggested that the total premium should not exceed 10%-20% of the annual income. The age of your husband and wife also needs to be added. Shenzhen Pacific Life Thank you for your trust in CPIC. Many colleagues of CPIC may not have seen your information, and I believe we will provide you with satisfactory suggestions and solutions. According to the information you provided, because your family doesn't have any bank loans at present, the elderly also use you to pay for the old-age care temporarily, so the burden is relatively light. I believe you have a clear understanding of commercial insurance. Since your husband and wife have social security, what needs to be supplemented is critical illness insurance+accident insurance (additional medical care for accidental injuries)+term life insurance+endowment insurance, and the baby should also consider critical illness insurance+accidental injuries (additional medical care)+education fund. By the way, did the baby go to Shenzhen Children's Medical Insurance? Meng Fengfeng of Nanjing Pacific Life Insurance is an adult before his children, and providing for the aged is only a big problem in life. And health, children's education. It is recommended to insure yourself first. Adults are the best protection for children. You can choose serious illness, medical care and accident. Child protection is the top priority. If the education fund belongs to the savings type, you can add the high school education fund and the university education fund, and the premium is exempted.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.