i have a dilemma, i took XX life insurance pay for RM200 per month ( starting 2007) this cover only if i'm dead ... and if i live up till 2027 , i'll most likely get around 40K++ . If i got illness , the insurance only cover me RM50.00 ( ), now i am confuse :-

1. should i stop this insurance (75% only can be claim)
, took another insurance which cover medical ....
am going 30 next year
2. still pursue this insurance and get another medical insurannce that can
cover me for medical purposes .. RM50 per night??? sound ridiculous

* i took life insurance policy , only after 4 years can terminate the contract and get 75% back