actually the basic of insurance is depend on you. you can fix an amount of installment every month or annualy then the agent will do a quote base on your commitment figure. is actually a mix and max game for insurance. is depend on what you need and what you want. if you want protection, pay more on medical and life, if saving, pay more on saving. as long as does not exceed you expected commitment per month. if you really want to know more detail, you can call me at 017-3282011 to fax u the quotation and explain to you more detail. coz it is difficult to explain through here.