Healthy and worry-free c juvenile lifelong critical illness insurance. It is the cheapest to buy at the age of zero, which is about four times more than the insurance premium. It is not annuity insurance, and there is no such thing as dividends and full payment. However, after the insured died of illness or accident at the age of 18, he can get the coverage of 100%. Critical illness insurance is a must for everyone, and this product is good.