Hi, everyone. I'm looking for the best overall value here. Hoping someone could make some recommendations.

1. I'm 29 and a non-smoker.
2. I'm looking for coverage of at least 500K to 1M.
3. I'm deciding between a standalone medical card + term life insurance or a comprehensive life insurance plan. As I'm aware, the first option may not offer cash value, and that's fine with me as long as the overall yearly premium is low. On the other hand, if the premium to obtain cash value is not much higher than the first option, I'm willing to fork out extra.
4. I'm looking for around 20y to 30y coverage, depending on which is more cost-effective (ie perhaps there are discounts offered for longer coverage).
5. The purpose of coverage is to cover mortgage repayments and living expenses.

Of course, if there are better options out there to what I've proposed, I'm more than happy to consider them. Thanks very much.

Thanks for the question! Since much of my work is based online, mobility is not the most crucial (though I'd very much like to keep BOTH my feet)! With so much of our work being done on computers these days, I suppose some form of coverage for hands could be vital. This is something I'm willing to look into. I'm wondering if coverage for TPD is offered separately, or whether it must be added on as a rider?

I've recently come across the fact that certain MRTA packages offer refunds for early settlement of a home loan. This sounds good to me, as MRTA is often much more affordable compared to MLTA, and I can use the excess money for investment purposes.

Meanwhile, I'll probably also be looking for comprehensive medical coverage in addition to MRTA.

What do you all think? Any disadvantages to this option?