Simply put, what your child needs is simple insurance (non-financial products) for your reference: (in order of importance) 1. Medical insurance (this is hospitalization reimbursement, and it is best to add surgery and hospitalization allowance. However, before work, children's outpatient fees and social insurance cannot be reimbursed, and only a few products of commercial insurance are too expensive. 2. Accident insurance (accidental injury and medical treatment, and accidental hospitalization allowance) 3. Critical illness insurance (no reimbursement, no compensation, one-time or multiple payment for serious illness) is necessary, and the selection principle is the lowest premium and the highest guarantee. It is not recommended that you buy wealth management products, such as universal insurance, dividend insurance or investment-linked insurance. If it is a combination of financial management and security, it is not recommended that you buy it, such as dividend insurance for serious illness. Because this kind of insurance is more expensive and a little opaque. (It is best to use pure financial insurance for financial management) or single insurance, clear and clear. These words are too simple. Insurance products are different from physical products. Even if you have seen two similar products, there is no comparability. At present, there are 500-600 life insurance products in the world. You should choose the right one. I hope you can find a responsible and professional insurance broker to serve you. Now you have to go to Gome or Suning to buy electrical appliances. I'm afraid no family recognizes only one brand of electrical appliances. You need to really consider the baby's risks. If your family income is not high, don't buy insurance more than 10% of your annual income. Paying premiums is to avoid risks, but unreasonable premiums increase the risks of families. Among household income and expenditure, there is no expenditure where the income comes from. The guarantee of income is equally important, and it is also necessary to provide suitable life insurance and health insurance for adults with relatively high family income. The main function of the education fund is compulsory savings, and it is certain that such expenses can pay tuition fees. Maybe you are talking about dividend insurance or endowment insurance, which will not affect all your family expenses, including dealing with accidents. After all, these insurance premiums can't be taken out for decades, so you have to weigh them clearly. Usually an accident will lead to the bankruptcy or even destruction of a family. Supplement: If long-term insurance is needed, critical illness insurance is most needed. Accident insurance is also necessary, but it is generally more than 1 year, and there is no long term.

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