Hello,

So, Unker's eldest 20s now, premium $200 coverage $1Mil. No change, so the message is Buyer Beware, do you due diligence on the policy.

Why Unker so into insurance. Based on my personal experience with colleagues, friends, own parents...
Unker has already footed>> $100K in donations/duty as a superior, colleague, friend, son, etc.

1. MNC Engineer - cancer. The hospitalization and annual leave used up. Gone into unpaid leave.

2. Colleagues Father - long term disease. He's a Penang Manager, only 1 father, fight lah...private hospital. Bill was > $200K.

3. Colleagues Mother - dementia. Colleague low level, nursing home till the old lady passed away.

4. My own operation....now Unker working for Company w/o insurance coverage. $60K including all the follow-up treatment. Paid thru own insurance.

5. Few years ago my own father - HCU, @ $3K/day. Every couple of days, hospital calls up Auntie to top up. Auntie tu-lan bring whole sling back of $10, $50 for them to count.

6. Friend a sup. Fall down bathroom n passed away. Wife not working, and a special needs child.

So to the youngling, when a person is down on luck n poor,...whether you have a $100k now or 20 years later, is still life-saving...don't look down on the amount.

Remember :
Money is an evil Dictator to the Needy; but a greater Slave to the Rich. So, use it wisely to help yourself, family, others where logical.
Similar with  Insurance. Once you really need it, likely already too late!