(1) life insurance or critical illness insurance, there will be premium inversion;
② Past medical history or health factors can easily lead to refusal of insurance, increase of fees or exclusion;
(3) If economic conditions permit, it is recommended to take out term life insurance (return the premium);
Recommended product: Anxinbao.
④ The mode of "Million Medical Insurance+Accident Insurance" can also be adopted, which may be more suitable.