1. This one too many liao. However in my limited experience and advertising I would give these 3 companies a higher priority: Prudential, AIA, Great Eastern.

2. When I bought my insurance 2 years ago, all of it nearly offers the same coverage. Of course I only took into consideration the 3 I mentioned above.

3. AGE is a very strong determinant factor for the monthly premium. The younger you buy insurance, the monthly payment is less for the same coverage. Another thing is woman's insurance is always higher.

4. Wow..trap? Just get assurance from the insurance agent that he/she gives you an alternative contact person if he/she suddenly decides to stop insurance. Normally all these insurance ppl have gangs.

5. For me I would choose someone whom my beneficiary can contact. AS mentioned, it is for easier dealings.

Are there any insurance package that can cover someone who becomes paralyzed/unable to work after an accident?

I have talked to a couple of insurance agent, but none is able to give me a good answer on this. Most insurance covers only a loss of something such as limbs, fingers, leg, 32 illnesses but what about a vegetative state?

One insurance agent even told me that me that since someone in a vegetative state does not lose anything, they wont get anything.