Hello: It is suggested that both husband and wife need to supplement a term life insurance and critical illness insurance as a guarantee for future family income. The child is still very young, and the growth in the next 20 years needs the guarantee of parents' income. 20-year term life insurance is a supplement to consumption. Children's education suggestions can be saved for children's future education and marriage planning through the combination of special education fund insurance and fixed fund investment, which can take into account the combination of security and income! As for the education gold insurance, we can refer to the "Growing Sunshine" children's education plan of Xinhua Life Insurance to ensure that all children receive it before the age of 28. 18-2 1 period, supplement the four-year university education fund, the 25-year-old career fund and the 28-year-old marriage fund!