I have worked for a life insurance company, and my personal opinion is that insurance should be purchased, not for children, but for the breadwinner of the family.

Unless your family has a lot of money, so much that even after all the investments have been made, you still have a lot, or you have no self-control at all and spend the money randomly, then you should buy education insurance and pension insurance for your children.

\x0d\The reasons: 1. What is the purpose of buying insurance for your children? If it is to save money for college, then you might as well make some relatively stable investments, such as buying treasury bonds and funds. The income will not be higher than that of insurance.

No matter how small it is, and it is relatively stable, it will definitely pay off.

\x0d\2 If it is to prevent risks, then the parents are the children's support, the parents' income is the source, and the children rely on this to live. We must guard against the parents, so that the children benefit.

If you buy it for your child, and the child gets sick or dies, the parents will benefit. So for parents, if the child dies, do you still care whether you have any money to compensate?

\x0d\3 If you want to buy medical insurance, there are very few medical insurances for children at this stage. They are generally critical illness insurance. To put it bluntly, they only cover serious illnesses that cannot be cured. One is how many

Will a child get this disease? Secondly, according to our previous company’s compensation case, leukemia is more common. If this is the reason, it is better to save a copy of the umbilical cord blood for the child when he is born. For this disease

For me, this is a priceless treasure. No matter how much money the insurance company gives you, you can't buy it. Expectant mothers especially need to inquire about it.