For individuals, the best guarantee is the combination of social insurance and commercial insurance. Here, I suggest that you improve social insurance first and then commercial insurance according to your actual situation.
Under normal circumstances, the best insurance strategy for personal commercial insurance is to improve accident insurance, health insurance and other types of insurance, and then choose appropriate pension insurance and financial insurance as appropriate supplements.
You can look at the commercial insurance policy (/ulbttivxcedorsr/item/14d8f1f832ca5a76932af21d), which contains some insurance product recommendation and insurance techniques.
I hope my answer is helpful to you!