hi sifu,

current aged 26; male.
my existing plan is pruhealth room board RM200 expired age is 70 aged.

i am thinking to upgrade to pruvalue med.. 1mil & cover up to 80 aged.
because thinking up to 70 aged looks under coverage.

but need to scarifies the NCB (RM300) yearly.

Kindly please advise, should i upgrade or remain?

i'm 27 years old , married. current plan

prudential Medical Card with 20k life + 50k CI
Great estern - CI/Life 100k
Prudential saving plan - 15k life.

My wife policy.

prudential Medical Card with 20k life + 50k CI
AIA Life - 500k life ,pay 20 coverage 70 years old

can sifu advise, shall we top up ? what need to add ?

my parent is going to retire soon.
and no income to continue to pay for insurance.

shall they terminate, or continue to pay insurance by using their saving?

any insurance plan can terminate? only keep the medical card?