What insurance should we get for our babies? What are the key points we need to look for when comes to buying insurance?

For me I choose to seek advise from an independent financial consultant that represents policies from many insurance companies. So that I can see a better and non bias comparison among all the policies in the market. My financial consultant also tailor an insurance plan for my family and kids based on our financial ability and needs. Thus, I strongly encourage you to look for an independent advisor. Try to avoid any ILP (investment linked policy) insurance as the money you can get back is not guaranteed.