yea, agree with all the comments above. u need ur own insurance on top of what ur company offers. get ur agent to do a quotation for u. ignore what u have from the company.

dont waste ur time with bank's insurance. u wont get any agent servicing u. u have to service ur own policy. true story, my friend has a policy with a bank. he has colon cancer and can barely walk or talk after discharge from hospital. he has to go all the way to the bank in that condition to submit documents for claims.

lastly, get a trusted agent. u can ask ur friends to recommend u one.

my 2 cents... cheers

This post has been edited by hey_there: Oct 25 2013, 02:37 PM