If you can only pay no more than 2,000 yuan a year, I can design a 50,000-yuan whole life insurance for your baby, with a 200,000-year-old seriously ill child, plus a daily hospitalization allowance of 150 yuan. For boys, the total premium is 1785.5 yuan. For a girl, it is 1.657 yuan. Pay for 20 years, so that the child's disease protection will be available. When the baby reaches the age of 55, 60 or 65, you can convert 50,000 whole life insurance into an annuity. If you can pay the premium of no more than 3,000 yuan per year for your children, I can also design a 50,000 whole life insurance for you, with 200,000 seriously ill children. Daily allowance for hospitalization and hospitalization expenses 150 yuan. The difference is that when a child needs money at the age of 20 or 25, you can take out 40,000 yuan or more of the premium paid before for the child to go to school or do business. Of course this is negligible, but it is more flexible. You can take out some of the money you have paid in the past 20 years, but it will not affect your child's insurance protection and safety. If you want to pay for your child's education, you can add money to this insurance and put it in your child's account, because interest will save you more money to distribute. However, on this basis, I would like to take the liberty to ask, do you have your own insurance? Have you insured yourself against life insurance? Adults keep themselves well, which is the greatest guarantee for children. We insure our children against education or illness. The best we can do is family finance. At the same time, use small money to avoid big risks. What are the most existing risks for children? It's up to you. Your existence is the greatest and safest guarantee for children, isn't it? I am a life insurance planner. If I have time, I might as well make a family financial plan for you. Use 10% of your family income as your family security, what do you say?

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