Please ensure your total insurance/takaful contribution is not more than 10% of salary. This is what I followed from the financial planner.

Regarding the insurance for baby, cross check again with your budget, it's good to have medical card for baby if you have the budget. If your budget is tight, maybe you should take the stand alone medical card without any ILP or any rider attached.

Focus on the annual limit instead of lifetime limit.

You can get as low as 130 for the stand alone medical card for baby.

This post has been edited by seventwo: Oct 18 2019, 11:32 AM