After reading your requirements, I feel that you are very insurance-conscious, but you may not know much about insurance.
Let's start with accident insurance. In fact, the so-called accident insurance does not include the accidental medical treatment and hospitalization expenses you mentioned. Accidental injury insurance is a kind of consumer insurance that pays the insurance premium according to the proportion of your injury after you are accidentally injured. As for the medical expenses and hospitalization expenses caused by your accidental injury, accidental injury insurance is not responsible. The premium of accidental injury insurance is extremely low, generally speaking, it is only one or two hundred yuan 1 year. The amount of insurance depends on your occupation. The risk of teachers is relatively small, and the amount of insurance should be relatively high. The specific amount of insurance depends on the specific rate table of each company, but there will be no obvious difference, and you are not free to choose and determine.
If you want insurance that can cover your medical expenses and hospitalization expenses, you should buy health insurance instead of accident insurance. In fact, teachers' medical insurance is much richer than the average person. Personally, I don't think you need to buy medical expense insurance, because medical expense insurance usually requires the insurance company to take over after you run out of social security. So personally, I don't think you need to buy such insurance. My suggestion is that you can buy a critical illness insurance with hospitalization allowance, which is enough.
Let's talk about term life insurance. You can't ask for a 30-year term life insurance. Because term life insurance is generally 1 year, if you want to cover it for 30 years, you must renew it regularly. The price of term life insurance is also very low, which belongs to the cheapest insurance such as accidental injury insurance, and the insured amount is high, but it will not be refunded until something happens.
Considering that your annual income is relatively high and stable, and the protection is relatively broad and deep, I suggest you buy another medium-and long-term dividend-paying double life insurance with premium exemption. This kind of insurance is similar to a large amount of long-term continuous savings, and the income will not be too high, which is better than saving in the bank. You should have children. I suggest you take your child as the insured, yourself as the insured and your wife as the beneficiary. This insurance can be used as a supplementary pension for your husband and wife in the future, or as an education or marriage fund for your children, or as a medical fund for your parents. I have been exposed to an insurance product before, with the payment period of 15 years and the insurance period of 20 years. After 20 years, you can take out the benefits provided by this policy with interest at one time. As for whether it is used as a children's education fund or your pension, it is up to you. Of course, you can also choose to divide the insurance into two parts. Short time, as a children's education fund; Longer, as your supplementary pension and parents' medical insurance. This kind of insurance is the mainstream at present, and many terms are similar. Just to remind you, don't trust the bonus demonstration given by the salesman. That's just a reference and has no legal effect.
To sum up, it is suggested that you take your child as the insured and purchase dividend-paying double life insurance with additional premium exemption as your child education fund and your supplementary pension; Buy term life insurance and accident insurance, and in case you really have something, the protection of these two insurances is relatively high; Buy a critical illness insurance with hospitalization allowance to further reduce the medical burden.
Thirdly, you can also buy a term life insurance and accident insurance for your parents; Your wife can basically buy according to your situation.
However, it is expensive to buy so much insurance, especially dividend insurance. Because I don't know the financial situation of your family, I can't analyze it in detail. As far as you are concerned, the design premium is 10%- 15% of the annual income, and the maximum is not more than 20%, so as not to be overburdened.
You can contact me if you have any questions. Good luck!