Hi Sifu

Just got a quote from Allianz for policy below:

CI 300K
Life 100K
PA 100K
R & B 200
Medical 1.5m(Annual limit) Lifetime limit unlimited.
waiver of premium

Age 26, M, non-smoker, Class 1.

Premium is RM350 /month, coverage period 31 years.

1. Should i increase my premium to extend the coverage period?

2. Any area i can improve?

3. For Rm350/month can i get much better coverage from other insurance company?

Background: single, no debt, annual income around 70k-90k.