投保不足，
或者过度、重疊投保……
投保是以防您先走一步，您的家人可能须承担您的财务责任与债务。
*财务与责任都有一个期限而不是终身的
*要保障有期限的财务责任与债务，您需要的是有期保险，而不是终身保险
*有期比终身保费可低至90%
1.0 Medishield
1.1 Intergrated Shield Plan IP~premium by cpf
1.2 Rider~premium by cash
2.0 Disability/ Eldershield~premium by cpf
2.1 Rider~premium by cpf or cash?
3.0 Term insurance~till age 65
4.0 Total Permanent Disability~till age 65
5.0 Personal accident
*Rider to add above 3,4&5 ~reduce premium
6.0 Early Critical illnesses~till age 65~70
6.1 *Survival period ~ go for 7 days instead of 28/30days
ps: 住院保险？
