Question 1: I don't know your local national policy, so I can't answer it. Your parents can still buy commercial insurance at this age, but they can't buy critical illness insurance when they are over 50. Parents can be advised to take out a critical illness insurance to ensure that they are 80 years old and pay for ten years. According to your parents' age, the basic coverage is 65,438+10,000, and the critical illness insurance will be reduced to more than 7,000/person/year. If you still want to buy old-age insurance, you have to pay 65438, which is very stressful. In fact, considering the situation of your whole family, you can buy a critical illness insurance for your parents, and now I will buy you an accident insurance. You are the main economic pillar of your future life. Other suggestions for dividend financing investment: After you take out pure protection function insurance, you still have spare capacity and money to consider. Manual, please adopt.