depends on which phase of life and what u are expecting for the
future
coverage is important, especially medical expenses these days
are unimaginable
just get the most premium shield rider plan if u can afford it
and if u have dependents u oso need to make sure they are taken
care of (at least have MONEY) in case u are unable to work, or u go
be with g0d
savings is important as well (no matter what, u still have a sum
in future..... whether for retirement or for 环游世界 or to throw them
down a building...... is up to u at tt time)
if u have spare cash u can consider investments
loh......
be very sure u know what and how much u are covered for
everything
read all the damn fine print
even if it takes u hours and half the sh!t u dont understand, ASK
the FC (tts what he/she is being paid for).... relli clarify
everything before u sign or decide not to sign
dont have to succumb to FC's upsell and cross-sell
of cos they wanna sell u everything
but most important is you yourself find out what u have, what u
need, what u want, what u expect, what u can get back
compare with other insurance companies. dont rush or dont just
listen to one.
or scared troublesome and just blindly agree to everything and
sign