First of all, commercial insurance is a voluntary principle of buying more and getting less, not buying or not buying.
Secondly, for insurance, it depends on the actual situation of my family.
The order of buying insurance is: first, we must guarantee products, including 1 and consumer products (accident insurance, term life insurance, etc. ); 2, cumulative (whole life insurance, endowment assurance, etc. ). Then there is medical insurance (general medical care, critical illness medical insurance, etc. ), pension insurance, children's education fund, dividend-paying product investment, etc.
At the same time, the family purchase order is: 1, the economic pillar; 2. Your lover; 3. Family members without economic income, such as children and the elderly.
But after you buy commercial insurance, it may affect your minimum living allowance.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.