Don't buy from single insurer agents, usually they will tell you everything good only. Buy from independent financial consultants, they compare for you. Be smart, money goes a long way than to feed those single company agents. Money can be spent on kids or yourself than those single company agents

I am currently with a financial brokerage firm. You definitely can save cost on insurance. Paying less for the same coverage will help you save loads of money in a long run.

I am very lucky my sister is in this field of work, as she is very insightful to advice me the right policies to buy

Yes, doing our homework on this really helps inn deciding and I also consult with my family and friends on this

Buy from independent agents, don't buy from prudential and Great eastern. Usually blood suckers

Coz I never understand their T&Cs...my insurance is either from employer or enhanced from cpf

I will do but unfortunately it's already from the company so we just need to accept it

I do my due diligence work and consult several advisors for well-rounded opinions

Of course, do research or at least get recommendations from friends and family.

definitely a lot of research is done to ensure i get the right benefits