For newborn you may need a pram that can goes all the way down and your wife is right to have a pram that can change from back to front. Pls remember to test before you buy. Not all pram that can change to front view is good.
For sterilizer, i perfer to have those that can sterilizer other acc as well type. As in teething toy and etc... you may need a big one that can sterilizer at least 4 btl at a time.
For insurance i cant help you as those was done by my hubby. Hope this few info helps.