Hi guys, what insurance plans is best for a woman at 40 yrs old with 02 kids age 17 and 13?

Should she get term insurance till 99yrs for herself and ILP insurance for her 2 kids? What add ons do you recommend?

Their whole family members do not know anything about medical insurance and only goes to govt hospital and so far no issue with payments saying its affordable and maybe because they are bumi. How best to explain this insurance things with them?

Thanks in advance guys