Good work back there! Let's welcome people to V3.

In the insurance brochure will state all the exclusion part already. Caveat emptor applies.

Should be able to. Bring the policy and brochure to proof.

Let's just be real. Any insurance, it will have some similarity. What you need is a good servicing agent and he will try his best to instruct anything when claim issue comes. Take note that most insurance company are good but they usually get negative ratings at Facebook.

I don't know much about that but the clients of insurance must also know that this is a risk management company in another term. Don't expect much from returns unless you buy normal savings plan only.