If your salary is the financial support for your family, if you accidentally collapse and have no income temporarily, will your family's life immediately be in trouble?
If so, then you really need to plan your risk protection well and fully.
Then look at your family, partner, children, and even cats and dogs. If something suddenly happens, do you have the margin and space to deal with it immediately?
If not, please remember to purchase appropriate medical and protection policies so that when something happens, the entire family will not collapse at once.
But if your income and asset allocation are already stable and strong, then insurance may be just an auxiliary tool for risk transfer. It does not need to occupy too much cash flow, and you can invest the funds in other areas that you are more familiar with to achieve benefits.
After all, the essence of insurance is not a tool to get rich. Its existence is to prevent you from falling because of one thing.
Of course, if we are talking about the overall planning of "stable cash flow", that is another set of logic and configuration method!
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