Everyone needs some form of insurance in one way or another. As fresh graduates flock into the financial planning industry due to difficulty in securing a 9-to-5 job, competition is going to be very tight. But pls remember that ultimately that when you purchase a new policy, it should always be done with a certain objective in mind. Not because it makes you feel good that you are buying more, or simply just supporting a friend or relative.
At this point, do you know what is the kind of coverage that you need for yourself or for your family, in terms of Pre-mature Death, Total & Permanent Disability, & Critical Illness respectively? Are you underinsured (which is commonly the case) or overinsured (which is not money-sensible)? Are you paying the right dollar for the right policy? If you have any doubt, pls feel free to contact me for a good financial review.
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