term or whole life / ILP?

if term + needn't go checkup or can use my yearly medical checkup from SJMC (mah fan to specially go do for insurance ), i'd sign up

i've 3 death insurances that pays out double if death by accident - all at $500K basic death payout only
coz $500K is the max without me running around to do medical checkup

yup - UforLife, i think i was one of those few that signed-up early with UforLife heheh
missed out on all the goodies/freebies offered to the later customers 

good lar, $1M - poke me ar if possible (can ar?)
so i can DUMP the donkey Public Mutual Group Life, thus can totally be rid of PM funds (need to hold its mutual funds coz to buy their PM-AIA or PM-LonPac must hold a % of value based on the insurance premium)
urgh.. complicated for my simple brain 
wait ar - drink kopi / get caffeinated first and i'll try to understand again...
failing which.. NEXT!