Hello! I want to buy health and education insurance for my five-month-old child. My annual income is 40,000 yuan, and I will be insured for 10 to 15 years every year. How to buy it is appropriate?

Hello, friend, nice to meet you. 1. Insurance mainly guarantees family cash flow. Because big talents need protection most, and children need financial support most. If you adults, especially the breadwinners at home, are not fully protected, I suggest that you consider your adults getting full accident, serious illness and life insurance first, and then your children. 2. For babies, it is recommended to improve the most basic medical insurance or rural cooperative medical care first. Tens of dollars a year, more practical. Then consider buying a commercial insurance supplement for the baby. 3. To choose children's insurance for your baby, it is suggested to consider the accident, accidental medical care and hospitalization insurance of your child first, then critical illness insurance (children must leave leukemia in the critical illness insurance), and finally consider the children's education fund reserve. 4. For many families whose funds are not particularly abundant, especially when adults' own pensions have not been reserved enough, it is really unnecessary to consider the issue of children's pension. Therefore, when buying insurance for children, the insurance period should be 25 years old, which can better meet the needs of children's education funds. 5. There are two ways to prepare the education fund. One way is to reserve funds for education expenditure, such as children's education fund insurance. The education fund is returned every year from the age of 15 until the age of 25. This can ensure that the education fund is earmarked. Another way is to buy a long-term return dividend insurance for children, which can receive dividends and survival funds for a long time to meet the needs of education funds and marriage funds. 6. Buy insurance for children, and the insurance premium shall not exceed 10% of the insured's annual income. I hope my advice can help you. The situation of the customer's baby who signed the bill before is very similar to yours. You can refer to my situation, and the specific premium and insurance amount can be adjusted according to your specific situation. Please contact QQ or telephone for details, and I will work out a suitable protection scheme for you. Sincerely wish: Good luck and all the best in the Year of the Loong! Reference: PICC Life Insurance "Fujin Wanjia" children's lifelong protection ... "PICC Life Insurance Jin Chaoyang" children's comprehensive protection. ...