More realistically, after the age of 50, when applying for commercial insurance, the protection function is of little significance and the cost is high. On the premise that the security function cannot be realized, the financial management function is naturally missing.
So, if you have money, save it for later use. If you don't have much money, save as much as possible for the future from now on.
Whether to buy accident insurance varies from person to person. If necessary, you can buy some card-type accident insurance or official website insurance company's, which is more convenient and cheaper. However, all accident insurance is basically about 64 years old, and customers are no longer allowed to insure. This is the basic agreement of the industry.
Two suggestions on security,
1. Pay attention to social security or other old-age security in the region;
2. Commercial insurance, as far as possible to let children pay attention. As children, it is suitable for people who apply for commercial insurance. Doing enough protection is the biggest responsibility to their family, because all the people in the family need you. This is very realistic.
Personal opinion, for reference only!
Good wishes!