I suggest you talk to someone independant who has insurance experience who can tell you the hidden terms and condition. Most insurance agents will not tell you that. Just think of insurance agents as someone to answer your questions rather than someone who will tell you everything about the insurance. If you let then answer, they will just say buy more insurance is better.

Reason I buy Insurance: Is to pay to my next of kin if anything should happen to me. To get a lump sum if anything should happen to me and damn it I am still alive!

Buy more insurance is thier standard answer if you already have insurance.

y dun u urself be an insurance agent... buy insurance for urself...
some more much cheaper... haha

this is the most important point in buying insurance. i just bought an insurance from a friend. he is notorious as liar, stealing items and irresponsible. i bought from him coz he and his gf really psycho me to buy. i had sleepless nights, bcoz
my bank signature is very simple and easy to copy, im scared he use my bank details to withdraw additional money.