Hello everyone. Need opinion from you guys.

I am a fresh graduate, single and just recently work.
My company is giving 30k annual limit for medical and 70k for term life insurance.

Plus ive taken 100k asb loan with insurance if anything happens to me bank will pay the loan and parents will get the 100k asb cert.

I need ur opinion which one should i take whether an additional medical card or term life or critical illness.
Or should i just buy a medical card only. Is it possible as i heard agent will include all the rider plan.

Ive allocated below 200 for this all this insurance thingy and hope can make it below 150. Living as a fresh graduate with my current salary is quite hard so need to save up.

is this true?

"Beginning next year, insurers will be required to offer pure protection products through a direct channel without commissions, said Bank Negara Governor Datuk Muhammad Ibrahim."

http://www.thestar.com.my/business/busines...irect-says-bnm/

This post has been edited by f-24: Dec 22 2016, 02:25 AM