Consultation netizen: Tuosan (Shenzhen) expert answer: Zhang Weifeng, a child of Wuhan Xincheng Life Insurance 13 years old, has passed the best time to insure education funds. Adults are the best protection for children, and the order of protection is that adults come before children. Yang of Shenzhen Branch of China Ping An Life Insurance Company of China Insurance Company has two ways: First, it can be realized by buying short-term insurance, because your child 13 years old will not go to college for five years. Second: buy a fixed investment fund. China Life Insurance Jin Yue 1. Regarding the order of insurance, the above agents have answered the questions that you should pay attention to in the process of insurance, first adults, then children; Second, the purpose of buying insurance is to get protection. I suggest you consider the protection against accidents and diseases first. As for the education fund you mentioned, children are very old now, and the benefits of children getting university education funds will not be great. I suggest you consider saving some money, or buying financial insurance products such as risk funds and pension for your children, which is still good. Third, it is good to buy insurance in any company, and choose an insurance company that you trust. As long as you have protection products that suit you, because this is the crux of the problem, I still suggest that you refer to the products of several major insurance companies (such as China Life Insurance, Ping An Insurance and Pacific Insurance) and shop around to know which product is more suitable for your needs or priorities.