Insurance coverage planning

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Clarify my insurance approach. General information only, not a recommendation; the policy terms govern. Household: {{household}}; existing coverage: {{existing}}; budget: {{budget}}. (1) Rank who most needs coverage — the income earner first, not the child; (2) list four basic categories and the logic for coverage amounts, without naming products; (3) identify my most likely coverage gap; (4) which types are poor value at my stage and can wait; (5) five questions to confirm when reading any policy — exclusions, waiting period, renewability, health disclosure, claim conditions.

帮我理清保险配置思路（一般性信息，不构成投保建议，具体以条款为准）。家庭情况：{{家庭情况}}；已有保障：{{已有保险}}；预算：{{预算}}。请：1) 按「谁最需要保」排序——先保家庭经济支柱，不是先保孩子；2) 列出四类基础保障及各自的保额参考逻辑（不是具体产品）；3) 指出我现在最可能存在的保障缺口；4) 说明哪些险种在我这个阶段性价比低、可以先不买；5) 给五个看合同时必须确认的问题（免责、等待期、续保、健康告知、理赔条件）。