What kind of insurance is more suitable for a 4-year-old boy? Pacific Life's Sunshine Angel and Ping An's Jixingbao.

Hello, I'm glad to be of service to you! Before you buy insurance for your minor children, you may need to understand three things first: protection first, profit second. The most important principle to follow when buying insurance for your children is "protection first, profit second". Nowadays, there are many kinds of insurance on the market, but basically it can be divided into three categories: protection insurance, savings insurance and investment insurance. Because China's current medical insurance system does not fully include children and teenagers into the scope of protection, and children's health is relatively weak, the incidence of high, therefore, in order to protect the child's health and safety, so that the family does not fall into financial difficulties due to the child's illness or accident, in the purchase of insurance for their children, first of all, you should buy a protection type of insurance for the child, such as health care insurance, accident insurance, followed by education savings insurance, and then consider a savings insurance for the child, under the conditions of the spare capacity, and then consider the child to buy insurance for the child. If you have the spare capacity, then consider buying insurance with investment function for your children.　It is worth mentioning that it has become the choice of many parents to utilize the characteristics of some long-term insurance to plan for their children's education fund with savings insurance and to plan a long-term protection for their children. Education funds often require long-term accumulation, as short as 5-8 years and as long as 10-15 years. If it comes to the end, and then temporary preparation, the number of children's education fund, especially the cost of going to college, will often make many parents at a loss when the time comes. Therefore, the earlier you help your child to buy savings-type insurance, the more conducive to easy accumulation of education funds.　　Precisely because of the importance of children's education fund, in the process of preparing for children's education fund, we should pay extra attention to the stability, safety and risk avoidance of capital accumulation, and try to choose the accumulation method that has fixed income and guarantees the safety of funds. For example, Taiping Life's "Fortune Life" is such a two-participating insurance product, and its insurance responsibilities include survival insurance, death insurance, and life insurance. As a long-term insurance and financial products, under the premise of ensuring the safety of funds, value preservation and appreciation, and planning for the cash flow of life, it is particularly suitable for parents to buy for their children, to prepare for the children's long-term stable and sustainable cash flow. It is understood that since the sale of "Lucky Life" in 2008, 80% of the policies have been taken out by parents for their children. Fukushou Lianlian can not only plan for the children's education, but also prepare for marriage, business start-up, pension, etc.; its cumulative interest function can meet the needs of the customer's funds at different stages of life, as long as the customer chooses not to receive the survival benefit, the company's cumulative interest, interest compounded annually, the customer can be phased in the time of need.　For more information, you can contact us by QQ or phone, and I wish you good luck in your work and a happy life!