Definitely cheaper buying term insurance from them.

all agents will definitely tell u that you need a medical insurance. its better to realize yourself whether your can take the financial risk or not. i know of some that can risk 20~30k for medical expenses (spare cash allocated for medical emergency). everything beyond that is the risk they cannot take anymore. yea, so ask yourself should anything happen, how much risk you can take. true enough, we can go government hospital, still you need spare cash in case you cannot work anymore due to the need of resting during the period of treatment