The starting point of buying any insurance is to look how much can you pay per month / how much can you pay per year.

Many people makes the mistake of listening to agent budgets, not your budget. If you can afford only RM100 a month, then go and find insurance that tailors a RM100 budget for you. You may not get all the benefits listed, but you will have at least cover.

If you can't afford it, you can't afford it. Don't be scared by the agents into buying something that is over your budget. Yes, many have been swayed by the scare tactic line of a lot of agents, only to lapse after they couldn't afford the premium. It is what it is.

Lastly, any agent that come to you and say for this sum of money you can get bla bla bla instead of asking you questions like whats your budget and all are those you do need to avoid.