1, Strengthen risk management: The couple should first improve their social security pension insurance. They are now participating in the urban and rural cooperative medical care, and during the age of 35-40, they can consider supplementing critical illness insurance; In terms of commercial insurance, apart from accidental injury insurance, term life insurance has low cost and relatively high protection, which is also suitable for families with relatively low income. The couple can choose a protection period of 20 years and a protection amount of 200,000 yuan each; After the child turns three, school student personal insurance can be purchased.