Hi, hope can get some advice. I'm 45. Already have a investment linked medical card (manulife) AL 320k, no lifetime limit till 100yo. Paying $410/mth. Would like to get medical insurance for wife (37yo) and daughter (2.5yo).
1. Should I get a family plan (ie on top of my current plan)? Or individual insurance for wife & daughter? Or one of those mother+child policy?
2. If I get a family plan, should I cancel my current one?
3. Is it better to get from same company, or different company? (Been hearing AIA, prudential and allianz better?)
4. Getting irritated every 6 months or so I get a letter from manulife asking to top up quite significant sum saying my investment plan may not cover future premium. Shouldn't it be investment market goes up and down, and the amount in investment would have been calculated to be enough when I bought, which is only 4 years ago?

Thanks in advance for any info, advice and insights.