With children's growth and physical growth, health risks will be greatly reduced. At this stage, parents can concentrate on using children's insurance and start to reserve baby insurance education funds for their children. Children's education expenditure has always accounted for an important part of the total family expenditure. Many parents have begun to accept their children's college education or long-term plans to go abroad for further study.

Education fund reserve is also an important function of children's insurance. Compared with the bank's simple savings plan, the main advantage of education fund children's insurance is that it reserves a complete education fund for children and also provides a guarantee for children. In the medium and long term, "free premium" has a unique economic guarantee. As the main payer, parents should consider buying premium exemption to ensure that their children's insurance will continue to be effective once it happens.

Many parents are buying all kinds of insurance for their children, but it is not necessary, and the benefits will be many years later. According to our own conditions, we use the extra money to invest in children, on the one hand, to manage money, on the other hand, to give children a guarantee. Normal medical insurance countries have introduced children's insurance, and there is no need to insure.

Other accident insurance and education funds are all disguised financial management. Some young couples who don't save money are also good ways for them to save money. In a word, buying insurance is better than not buying insurance, because the advantages outweigh the disadvantages.