hi , i am 30,
want some recommendations too.

3.5k,4k next year

want life protection, critical illness, accident, medical card, if can without partial premium return (we all have EPF, taking this out should lowers the premium, i think....correct me if i am wrong?)

if too expensive, can also ditch life protection (my dependants epf can take care of themselves, my epf also can take care of them, I dont want to feel like my kids thinking i am a gold mine, waiting me to die.... seen a lot of these case)

but illness, accident, medical card is a need, I dont want to be a burden.