Mind sharing your reasons for buying and paying so much for PA .... and yet not having medical card or CI insurance 

wow that a lot 

got cash value for it?

interesting...how do you know you have enough to cover all liabilities? 

he's a fortune teller
he knows if something unfortunate happens to him it would be from a result of an accident
so yes he has covered all his liabilities or rather risks...

2m liquid asset which is creditor proof?
That's good!

Good job for your bro..dividend should be around 200k per year XD..
make sure you do a will since you have no insurance coverage...

Insurance is about financial issue only.

There is no such thing I buy insurance for you, means I love you.
or
I buy life insurance for my kids, mean I love them.

Love your kids, then take god care of your kids, give then good education, give them good guidance, work hard and prudent in spending so that can save enough for kids education.

You can buy 100 million life insurance for your kids, or you can give 100 million cash to your kids, but one never take care of your kids, guidance to them, it is not a love.
End of story.

If one want to associate insurance with love, it is individual view.
But I will never buy this view, as I am stupid that and cannot understand money/insurance = love.
You buy insurance for your family or dependant is because of financial responsibility only.
Ya, may be I am too stupid that I don't buy too many insurance. 

This is my first time hear that life insurance better than bank return. 
Life insurance is not endowment plan, it is for protection not for saving.

As I reiterated before, if one has too much money to burn, that's fine.
But for those need to work in budget one, which most middle class people, and for single with no dependant (financially), life insurance (pure life protection) is not the priority at all. CI, Medical are more priority and important.