Need help here, I am quite clueless when it comes to insurance although I know it's important.
Can anyone of you especially from this A*A company help to digest and explain each of my plan and how should I use them?

Most importantly, is it sufficient for a mid 20s single fresh graduates?

I remember my agent told me he help me to subscribe for 2 plans:

1. *-LifeLink
He mentioned that it is the critical illness (36 types) and medical card for me. Not sure how to check R&B and other details here. What I don't understand is why all the [Covered Member, Correspondence Person, Covered, Policy Owner, Payor] is my name here.
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2. Twin P*
He mentioned this is the Accidental part where I'm given an amount of money if I were to meet accident. Is that correct? On the web application, the client tab shows nothing, my name not indicated here at all.
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Question:
a. Did I pay too much for my insurance?
b. Is it sufficient for me?
c. Should I swap to conventional insurance instead of ILP since I can play stock myself?
d. What else is not covered here?