Life classification:
1. Accident insurance (generally consumer, with low premium, high guarantee and high accident probability)
2. Hospitalization due to illness (generally consumption type, low premium, high security and high accident probability)
3. Major diseases (generally savings type, with high premium, high security and large unexpected expenses).
4. Education fund (savings type, saving some money for children to establish an education fund every year)
5. Pension and financial insurance (savings type, saving some money every year to plan for future pension, the earlier you prepare, the easier it is).