The following opinions are for reference:
First, the products of commercial insurance companies are all approved by the CIRC, and the contents are similar, so you don't have to bother to choose an insurance company. The State Council is in charge. Be sure to report in time when you are in danger. There should be no problem.
Second, insurance is a long-term plan, and it is generally appropriate to plan 10%~ 15% of personal income. The order is:
1, accident insurance: accidental injury, accidental medical treatment (low rate, high security, low risk)
2, health insurance: major illness, hospitalization peace of mind (by age, the older the higher the rate)
3. Endowment insurance: It can be considered later. Its rate is relatively fixed, mainly depending on how much protection you want.
4. Life insurance: that is, death insurance, which can be left to the heir.
If you have a family, you should consider who is the main source of family income and give the most insurance to those who earn the most.