Already have one. Hindi totoong mahal ang insurance, well, depende na lang kung gusto mong magpa insure ng worth millions.. I got myself an insurance and investment before I got pregnant.. 1.7k lang monthly ko. Maliit lang ang value (600k) pero merong investment na kumikita every month na pwede ko ring ma withdraw after 10yrs..600k plus the investment, pwede na rin for starters like me 🙂..