im 27yo aircraft maintenance engineer in the airforce (govt servant), my wife 24 yo housewife, my kid 13 months old. all non smoker.

appreciate if someone can quote me life policy for my wife and i, and edu policy for my kid. if possible, i want something that can complement my existing healthcare benefits as a govt officer with 1st class R&B at govt hospitals.

budget 600 monthly for the three of us, minimum savings and investment cos i already have saver scheme at >10% yearly, maximum medical and PA. pls also advise how to maximize tax relief for life insurance and kids education relief? ptptn via sspn-i offers kids saver tax relief up to 6k yearly, will consider to put in extra if i claim that from the kid's plan?

reach me at edwardlcy@gmail.com ...thanks.